Best POS and Payment Solutions With No Monthly Fees in 2025

Business owners in 2025 have more choices than ever for point-of-sale and payment systems. Many solutions now cost nothing each month, making it easier for both startups and growing companies to get started without a big investment or ongoing fees. The best POS and payment systems with no monthly fees in 2025 let users accept card or digital payments, manage inventory, and track sales—all without a fixed cost.

These systems work for both retail and restaurant settings, as well as service businesses. Free plans usually include core features like sales tracking and basic reports, though some tools, such as advanced analytics or integrations, may require a paid upgrade. Because every business has unique needs, understanding what each free POS system covers helps owners make the best choice for their situation.

For those searching for a budget-friendly way to manage sales, process payments, and keep operations simple, this article breaks down the top no-monthly-fee POS and payment solutions in 2025. Readers will find straightforward comparisons and honest insights so they can select the right platform without any guesswork.

BLogic Systems

BLogic Systems stands out as a practical choice for businesses that want a reliable point-of-sale solution with no monthly fees. The company offers an all-in-one hybrid POS that works both online and offline, so sales are possible even during internet outages.

Their ZeroPay Program lets users process unlimited credit card transactions while offsetting up to 100% of processing fees. This feature helps businesses keep more of their own money and better manage monthly costs.

Businesses do not have to sign long-term contracts or face high cancellation fees. The signup process moves quickly, and expert support guides each user step by step. Transparent pricing removes surprises by eliminating hidden fees and rate increases.

Key features include:

• No swipe fees or hidden costs
• Same-day funding for faster cash flow
• Custom-built rates and PCI compliance

For businesses searching for a reliable point-of-sale solution that covers both software and payment options, BLogic offers a straightforward and flexible setup. The system suits stores, restaurants, and other small businesses that want fast onboarding and a simple way to manage transactions.

Square POS

Square POS stands out as a strong choice for businesses that want to avoid monthly fees. The basic software plan is free to use with no setup costs, which makes it easy for small shops, cafes, or market stalls to get started.

The first basic card reader comes at no charge, while extra readers start at $10. Businesses can use their phone or tablet with the free app or upgrade to hardware like Square Register or Square Terminal. Hardware options range from $149 for a basic stand to $799 for a full register.

Square POS includes sales tracking, inventory management, and customer profiles. It works for both in-person and online sales. Merchants use one system to run payments, receipts, and staff management.

Extra features—such as loyalty programs, payroll, or marketing tools—come with additional costs. However, many small businesses stick to the free plan until they grow or need more advanced functions.

Payanywhere

Payanywhere provides an all-in-one solution for accepting card payments both in-person and online. The platform does not charge a monthly fee for basic use, which makes it attractive to small businesses and those starting out.

The free mobile card reader connects to smartphones and tablets through the Payanywhere app. Merchants can begin processing card payments without high upfront costs. For in-person transactions, the service charges 2.69% per sale. Keyed-in and virtual terminal transactions have a 3.49% fee plus $0.19 for each payment.

Key Features:

• Accepts credit and debit cards
• Free basic card reader for new users
• Virtual terminal for phone and online orders
• Simple invoicing and payment tracking
• Reporting tools for sales and inventory

Hardware upgrades are available, including smart terminals and receipt printers. These options fit businesses that need more than just mobile processing. Merchants can purchase or rent these devices if they scale up or want advanced features.

Payanywhere stands out for clear pricing and fast next-day deposits. However, inactivity fees may apply after 12 months without processing any payments. Customer support options include phone, email, and live chat, but some users report mixed satisfaction with response times.

eHopper (Free Plan)

eHopper offers a free POS plan designed for small businesses, especially those new to using point-of-sale software. The plan supports one POS terminal and allows users to add up to 50 products with a maximum of 300 transactions per month.

The system provides 100% free credit card processing for eligible users. Merchants can avoid traditional card fees, which helps save money. However, this deal may only apply in certain states, so business owners should confirm eligibility before signing up.

Key features include basic sales management, inventory tracking, and free POS software. Users receive simple tools for ringing up sales, managing items, and keeping track of inventory. eHopper also gives access to customer support at no extra charge.

For those who want to test the system, a free trial is available. No commitment or upfront payment is required at signup. Businesses looking for low operational costs might find eHopper’s free plan helpful for managing sales without extra expenses.

Loyverse POS

Loyverse POS stands out as a free point-of-sale system with no monthly fees. Designed for small businesses, cafes, and retail shops, it includes core features at no cost. There are no required subscriptions or contracts.

Users can track sales, manage inventory, and view customer data with its simple interface. The software supports basic reporting tools, so businesses can analyze sales trends and performance.

Loyverse POS supports multiple payment options through various merchant service providers. Businesses are not locked into one payment processor, which allows them to shop for the best transaction rates.

Feature highlights include:

• Inventory tracking
• Sales analytics
• Multi-user support
• Built-in loyalty program

This system works on mobile devices like tablets or smartphones. It also supports barcode scanning and receipt printing with compatible hardware. Loyverse remains a straightforward choice for business owners who want essential POS functions without extra costs.

Imonggo

Imonggo stands out as a simple POS solution for small and medium-sized businesses. It offers a free plan with no monthly fee, which makes it appealing to start-ups and small shops.

The platform supports both sales and inventory management from a single dashboard. Users can add up to 1,000 products in the free version, which meets the needs of most small retail stores.

Key Features:

• Inventory tracking
• Customer and store management
• Support for multiple payment types, such as credit cards and mobile payments
• Sales and inventory reports
• Promotions, discounts, and membership programs
• Automatic email receipts

Imonggo’s cloud-based design lets users access their account from anywhere with an internet connection. Therefore, they can view sales or update inventory on the go.

The system allows split payments and custom pricing for each store location. Users also gain the ability to filter inventory and print barcodes for products. For new businesses seeking a simple, easy-to-use POS at no cost, Imonggo offers practical tools and straightforward features.

Conclusion

A range of point-of-sale and payment solutions offer solid features with no monthly fees. Free plans often support inventory management, sales reports, and essential checkout tools. They suit small to medium businesses, startups, or those wanting to keep costs low.

Key factors to consider include hardware needs, processing fees, payment types supported, and the level of customer support. Each platform includes its unique mix of strengths and limitations.

Today's business owners find several no-fee POS options that handle both in-person and online sales. The right choice depends on the business model, required integrations, and long-term plans. Small businesses can now access practical tools for growth without ongoing software costs.