Affordable POS: offers and hidden costs compared
A low headline rate does not always mean a low annual cost. Axerve advertises 1% with a €99 terminal, SumUp 1.95% and Nexi 0.99% promotions with a fee. RoxPay charges €0.15 + 0.35%-0.85% IC++ with no fixed monthly fee, so the card mix is visible in the result.
Flat rate versus IC++
| Offer | 1,500€/month | 5,000€/month | 40,000€/month |
|---|---|---|---|
| Axerve 1% | 15€ | 50€ | 400€ |
| SumUp 1.95% | 29€ | 98€ | 780€ |
| RoxPay IC++ | 10-17€ | 33-58€ | 260-460€ |
Estimates use a €50 average ticket and a typical EU consumer card mix.
What makes a POS affordable?
Compare hardware, monthly fees, transaction pricing, extras such as chargebacks and SIMs, and settlement time. A no-fee plan works for occasional volume, but a high percentage becomes expensive as sales grow.
Flat versus IC++
A flat rate hides interchange and scheme fees inside one percentage. IC++ passes those costs through and adds a declared markup. At €40,000 monthly volume, even small percentage differences can exceed €1,200 per year.
Frequently Asked Questions
What is the cheapest POS terminal?
SumUp has a low entry price, but the annual transaction cost matters more than hardware. Compare the full cost at your actual volume.
Does a no-monthly-fee POS mean zero fees?
No. It removes the fixed fee but recovers costs through each transaction. Always check the rate, promotion expiry and extras.
También te puede interesar
Pasarela de Pago Alto Riesgo
Procesamiento de pagos seguro para sectores de alto riesgo con enrutamiento multi-adquirente y protección contra contracargos.
Soluciones de Pago para Pequeñas Empresas
Tarificación IC++ transparente, Smart POS gratuito y activación en 24 horas para pequeñas empresas.
Integraciones de Pago E-commerce
Plugins de un clic para WooCommerce, Magento y PrestaShop con acceso completo a la API.
Optimize your payments today
Model the total cost of your affordable POS with RoxPay at /en/contact.
✓ No monthly fixed costs · ✓ Activation in 24 hours · ✓ Dedicated technical support
