Terminals, POS systems and the hardware around them can be bought outright or financed. Financing spreads the cost, so the equipment decision follows what the counter needs rather than what is in the account this month. Availability is subject to underwriting and approval.
Illustrative diagram of the equipment path. Availability, structure and terms depend on the equipment selected and on approval.
Equipment is chosen around your acceptance mix, your space and the way your staff work — then configured before it ships, so it arrives ready to take payments rather than ready to be set up.
Equipment can be purchased outright or financed, and zero-upfront options are available for qualified merchants. What is available depends on the equipment selected and on underwriting.
Explore POS & HardwareA queue that has to keep moving, and a checkout a new hire can learn in a single shift.
Payment at the table rather than a walk to the register, and reporting that reconciles at close.
Forecourt and store acceptance that reconcile together, on equipment that survives being outside.
Checkout at the chair, tips captured at the point of sale, and nothing that needs a desk.
Payments taken by phone, by link and on site — often with no counter involved at all.
Four stages. The first one takes the longest, and it is the one worth spending time on.
Equipment financing is not a separate relationship bolted onto your processing. The same conversation covers what the counter needs, whether your existing hardware can stay, and how the equipment is paid for — which is why the terminal that arrives suits the pricing program you are actually on.
Availability, structure and terms depend on the equipment selected and on the outcome of a review. Nothing is settled until that review is complete, and any figure discussed before it is an illustration rather than an offer.
Equipment financing is subject to underwriting and approval. Availability, structure and terms depend on the equipment selected and on the review. Nothing here is an offer of credit.
Most merchants end up with a processor, an equipment vendor and a finance company who have never spoken to each other — which is how a terminal arrives that does not suit the pricing program. Here it is one conversation, so the hardware fits the account it will run on.
If the question is about the equipment you already have, the fastest answer comes from someone looking at the make and model.
Talk to SalesOften, yes — and it is the first thing checked. It depends on the make and model, and on whether the unit is locked to your current processor. Replacing hardware that already does the job is the last option rather than the first, and it is worth being cautious with anyone who leads with new equipment before asking what you already run.
It depends on the equipment selected and on the outcome of a review, which is why no figure, factor or monthly payment appears anywhere on this page. Anything quoted before your application has been reviewed is an illustration rather than an offer, and it should be described to you that way.
No. Equipment financing is subject to underwriting and approval, and an application may be approved, declined, or approved on a different structure from the one discussed. Zero-upfront options are available for qualified merchants, which is not the same thing as being available to everyone.
What it is attached to. Equipment financing is tied to a specific asset — the terminals and POS hardware going into your business — and the equipment forms part of the arrangement. The other three routes are not attached to a purchase: working capital is for the running of the business, and term funding and a merchant cash advance are two structures that can carry it.
The practical consequence is that hardware does not have to be wrapped into general capital just to get it onto the counter. Some businesses use both; they remain separate arrangements with separate reviews.
Support runs through the same relationship as your processing rather than through a separate vendor, so a faulty device is one call rather than two. What is covered, and for how long, depends on the equipment and on the arrangement it was supplied under — that is set out at the time rather than assumed.
Yes. A second location, an extra handheld for a busy season, or a replacement for a broken unit is a change to an existing relationship rather than a new search — though additional equipment may need its own review depending on how it is being paid for.
The right equipment, configured.
Restaurant-ready POS, pay-at-table handhelds and equipment with no upfront cost for qualifying merchants. We start with a statement analysis — nothing changes until the numbers make sense.
Promotional terms and eligibility apply. Estimates only. Final pricing requires statement analysis and approval.
