Software costs are only part of the story. Factor in hardware, transaction fees, and set-up costs. Here's a rough estimate for first-year costs:
- Square: Free software + ~$200 hardware + ~$1,500 in transaction fees (assuming $50k in sales) = ~$1,700
- Lightspeed: $89/month = $1,068 + $500 hardware + ~$1,500 transaction fees = ~$3,000
- Cova: Custom, but expect $200+/month + $1,000+ hardware = ~$3,400+
- Shopify POS: $89/month = $1,068 + $300 hardware + ~$1,500 transaction fees = ~$2,868
- Clover: $14.95/month = $180 + $1,000+ hardware (if leased) + ~$1,500 transaction fees = ~$2,680
These are ballpark figures; your actual costs will vary. Always ask for a full price breakdown before signing.





