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.
Questions fréquentes
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.
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