Payment terminals: The complete guide

Payment terminals: The complete guide

Payment terminals: The complete guide

Payment terminals play a key role in the transformation of financial tools, enabling businesses to meet the market's expectations in terms of speed, security and flexibility.

Payment terminals play a key role in the transformation of financial tools, enabling businesses to meet the market's expectations in terms of speed, security and flexibility.

Jul 18, 2025

The digitisation of financial services, the rise of mobile payments and the growth of ecommerce are forcing professionals to adapt and modernise their transaction tools. Payment terminals are playing a key role in this transformation, enabling businesses to meet the market's expectations in terms of speed, security and flexibility. By integrating innovative technologies, they not only facilitate transactions but also improve the customer experience by simplifying the payment process.

Here is a comprehensive and detailed overview of payment terminals. Find out how these devices work, what technologies they incorporate and what types of payment terminals are available. We will also explain how to choose the terminal best suited to your business, taking into account technical, ergonomic and financial criteria.

The digitisation of financial services, the rise of mobile payments and the growth of ecommerce are forcing professionals to adapt and modernise their transaction tools. Payment terminals are playing a key role in this transformation, enabling businesses to meet the market's expectations in terms of speed, security and flexibility. By integrating innovative technologies, they not only facilitate transactions but also improve the customer experience by simplifying the payment process.

Here is a comprehensive and detailed overview of payment terminals. Find out how these devices work, what technologies they incorporate and what types of payment terminals are available. We will also explain how to choose the terminal best suited to your business, taking into account technical, ergonomic and financial criteria.

The digitisation of financial services, the rise of mobile payments and the growth of ecommerce are forcing professionals to adapt and modernise their transaction tools. Payment terminals are playing a key role in this transformation, enabling businesses to meet the market's expectations in terms of speed, security and flexibility. By integrating innovative technologies, they not only facilitate transactions but also improve the customer experience by simplifying the payment process.

Here is a comprehensive and detailed overview of payment terminals. Find out how these devices work, what technologies they incorporate and what types of payment terminals are available. We will also explain how to choose the terminal best suited to your business, taking into account technical, ergonomic and financial criteria.

The digitisation of financial services, the rise of mobile payments and the growth of ecommerce are forcing professionals to adapt and modernise their transaction tools. Payment terminals are playing a key role in this transformation, enabling businesses to meet the market's expectations in terms of speed, security and flexibility. By integrating innovative technologies, they not only facilitate transactions but also improve the customer experience by simplifying the payment process.

Here is a comprehensive and detailed overview of payment terminals. Find out how these devices work, what technologies they incorporate and what types of payment terminals are available. We will also explain how to choose the terminal best suited to your business, taking into account technical, ergonomic and financial criteria.

What is a payment terminal?

A payment terminal, or POS (Point of Sale) terminal, is an electronic device that allows financial transactions to be accepted, processed and secured. Designed to read information contained on a bank card or other payment media, the POS terminal provides the essential link between the merchant and the banking networks. It encrypts data, ensuring the confidentiality and security of the information exchanged during transactions.

Historical and technological developments

Originally, payment terminals were simple fixed devices connected via telephone lines, which only allowed limited transaction processing. Over the years, technological advances have transformed these tools into multifunctional and mobile devices. These developments not only meet the requirements for speed and security, but also pave the way for new forms of commerce, such as smartphone payments and the integration of transaction-related loyalty solutions.

A payment terminal, or POS (Point of Sale) terminal, is an electronic device that allows financial transactions to be accepted, processed and secured. Designed to read information contained on a bank card or other payment media, the POS terminal provides the essential link between the merchant and the banking networks. It encrypts data, ensuring the confidentiality and security of the information exchanged during transactions.

Historical and technological developments

Originally, payment terminals were simple fixed devices connected via telephone lines, which only allowed limited transaction processing. Over the years, technological advances have transformed these tools into multifunctional and mobile devices. These developments not only meet the requirements for speed and security, but also pave the way for new forms of commerce, such as smartphone payments and the integration of transaction-related loyalty solutions.

A payment terminal, or POS (Point of Sale) terminal, is an electronic device that allows financial transactions to be accepted, processed and secured. Designed to read information contained on a bank card or other payment media, the POS terminal provides the essential link between the merchant and the banking networks. It encrypts data, ensuring the confidentiality and security of the information exchanged during transactions.

Historical and technological developments

Originally, payment terminals were simple fixed devices connected via telephone lines, which only allowed limited transaction processing. Over the years, technological advances have transformed these tools into multifunctional and mobile devices. These developments not only meet the requirements for speed and security, but also pave the way for new forms of commerce, such as smartphone payments and the integration of transaction-related loyalty solutions.

A payment terminal, or POS (Point of Sale) terminal, is an electronic device that allows financial transactions to be accepted, processed and secured. Designed to read information contained on a bank card or other payment media, the POS terminal provides the essential link between the merchant and the banking networks. It encrypts data, ensuring the confidentiality and security of the information exchanged during transactions.

Historical and technological developments

Originally, payment terminals were simple fixed devices connected via telephone lines, which only allowed limited transaction processing. Over the years, technological advances have transformed these tools into multifunctional and mobile devices. These developments not only meet the requirements for speed and security, but also pave the way for new forms of commerce, such as smartphone payments and the integration of transaction-related loyalty solutions.

How does a payment terminal work?

A payment terminal operates through a series of carefully orchestrated steps to ensure a secure and fast transaction. When a customer makes a purchase, the merchant initiates the process by entering the amount to be paid on the payment terminal. The customer then presents their card, either by inserting it, swiping it or using contactless technology. The terminal then reads the data contained on the chip or magnetic strip and immediately encrypts it to prevent unauthorised interception. This encrypted data is transmitted to a processing centre, which communicates with the issuing bank to verify the validity of the transaction and the availability of funds. Once authorisation is obtained, the POS terminal displays a confirmation and often prints a receipt.

Technologies integrated into payment terminals

Payment terminals incorporate a range of technologies designed to optimise transaction security and speed. These technologies include:

  • Near Field Communication (NFC): this technology enables fast and intuitive contactless payments and uses advanced encryption protocols to protect sensitive information.

  • QR codes: widely used in mobile payment applications, they offer a simple alternative solution for transactions, particularly in environments where contactless is preferred.

  • Encryption protocols and security standards: the use of standards such as SSL/TLS and compliance with PCI-DSS standards ensure that customer data remains protected throughout the transaction.

A payment terminal operates through a series of carefully orchestrated steps to ensure a secure and fast transaction. When a customer makes a purchase, the merchant initiates the process by entering the amount to be paid on the payment terminal. The customer then presents their card, either by inserting it, swiping it or using contactless technology. The terminal then reads the data contained on the chip or magnetic strip and immediately encrypts it to prevent unauthorised interception. This encrypted data is transmitted to a processing centre, which communicates with the issuing bank to verify the validity of the transaction and the availability of funds. Once authorisation is obtained, the POS terminal displays a confirmation and often prints a receipt.

Technologies integrated into payment terminals

Payment terminals incorporate a range of technologies designed to optimise transaction security and speed. These technologies include:

  • Near Field Communication (NFC): this technology enables fast and intuitive contactless payments and uses advanced encryption protocols to protect sensitive information.

  • QR codes: widely used in mobile payment applications, they offer a simple alternative solution for transactions, particularly in environments where contactless is preferred.

  • Encryption protocols and security standards: the use of standards such as SSL/TLS and compliance with PCI-DSS standards ensure that customer data remains protected throughout the transaction.

A payment terminal operates through a series of carefully orchestrated steps to ensure a secure and fast transaction. When a customer makes a purchase, the merchant initiates the process by entering the amount to be paid on the payment terminal. The customer then presents their card, either by inserting it, swiping it or using contactless technology. The terminal then reads the data contained on the chip or magnetic strip and immediately encrypts it to prevent unauthorised interception. This encrypted data is transmitted to a processing centre, which communicates with the issuing bank to verify the validity of the transaction and the availability of funds. Once authorisation is obtained, the POS terminal displays a confirmation and often prints a receipt.

Technologies integrated into payment terminals

Payment terminals incorporate a range of technologies designed to optimise transaction security and speed. These technologies include:

  • Near Field Communication (NFC): this technology enables fast and intuitive contactless payments and uses advanced encryption protocols to protect sensitive information.

  • QR codes: widely used in mobile payment applications, they offer a simple alternative solution for transactions, particularly in environments where contactless is preferred.

  • Encryption protocols and security standards: the use of standards such as SSL/TLS and compliance with PCI-DSS standards ensure that customer data remains protected throughout the transaction.

A payment terminal operates through a series of carefully orchestrated steps to ensure a secure and fast transaction. When a customer makes a purchase, the merchant initiates the process by entering the amount to be paid on the payment terminal. The customer then presents their card, either by inserting it, swiping it or using contactless technology. The terminal then reads the data contained on the chip or magnetic strip and immediately encrypts it to prevent unauthorised interception. This encrypted data is transmitted to a processing centre, which communicates with the issuing bank to verify the validity of the transaction and the availability of funds. Once authorisation is obtained, the POS terminal displays a confirmation and often prints a receipt.

Technologies integrated into payment terminals

Payment terminals incorporate a range of technologies designed to optimise transaction security and speed. These technologies include:

  • Near Field Communication (NFC): this technology enables fast and intuitive contactless payments and uses advanced encryption protocols to protect sensitive information.

  • QR codes: widely used in mobile payment applications, they offer a simple alternative solution for transactions, particularly in environments where contactless is preferred.

  • Encryption protocols and security standards: the use of standards such as SSL/TLS and compliance with PCI-DSS standards ensure that customer data remains protected throughout the transaction.

What payment methods are accepted by POS terminals?

To meet the diverse needs of merchants, modern POS terminals offer maximum compatibility with a wide range of payment methods:

Bank cards:

  • Chip cards (EMV) and magnetic stripe cards, including contactless payment via NFC technology.

Electronic wallets and mobile solutions:

  • Services such as Apple Pay, Google Pay and Samsung Pay, which enable secure transactions via a smartphone.

QR codes:

  • More and more payment terminals are integrating QR code reading, making it easier to pay via dedicated apps.

Other digital solutions:

  • Some terminals also connect to hybrid systems, enabling, for example, the generation of payment links for online or remote transactions.

To meet the diverse needs of merchants, modern POS terminals offer maximum compatibility with a wide range of payment methods:

Bank cards:

  • Chip cards (EMV) and magnetic stripe cards, including contactless payment via NFC technology.

Electronic wallets and mobile solutions:

  • Services such as Apple Pay, Google Pay and Samsung Pay, which enable secure transactions via a smartphone.

QR codes:

  • More and more payment terminals are integrating QR code reading, making it easier to pay via dedicated apps.

Other digital solutions:

  • Some terminals also connect to hybrid systems, enabling, for example, the generation of payment links for online or remote transactions.

To meet the diverse needs of merchants, modern POS terminals offer maximum compatibility with a wide range of payment methods:

Bank cards:

  • Chip cards (EMV) and magnetic stripe cards, including contactless payment via NFC technology.

Electronic wallets and mobile solutions:

  • Services such as Apple Pay, Google Pay and Samsung Pay, which enable secure transactions via a smartphone.

QR codes:

  • More and more payment terminals are integrating QR code reading, making it easier to pay via dedicated apps.

Other digital solutions:

  • Some terminals also connect to hybrid systems, enabling, for example, the generation of payment links for online or remote transactions.

To meet the diverse needs of merchants, modern POS terminals offer maximum compatibility with a wide range of payment methods:

Bank cards:

  • Chip cards (EMV) and magnetic stripe cards, including contactless payment via NFC technology.

Electronic wallets and mobile solutions:

  • Services such as Apple Pay, Google Pay and Samsung Pay, which enable secure transactions via a smartphone.

QR codes:

  • More and more payment terminals are integrating QR code reading, making it easier to pay via dedicated apps.

Other digital solutions:

  • Some terminals also connect to hybrid systems, enabling, for example, the generation of payment links for online or remote transactions.

Focus on the different types of payment terminals

Traditional payment terminals

Traditional payment terminals are often installed in physical points of sale and are characterised by their robustness and reliability. Designed for intensive use, they handle a large volume of transactions and can be easily integrated into existing business infrastructures. Their robust design makes them particularly suitable for environments where security and continuity of operations are paramount. However, their main disadvantage is their lack of mobility, which limits their use to fixed points of sale.

Mobile payment terminals

Mobile payment terminals represent a real revolution in the world of payments. Compact and lightweight, these solutions enable transactions to be processed in real time, regardless of the merchant's location. Perfectly suited to mobile professionals, craftsmen or salespeople at events, they offer great flexibility. In addition, in-store, a mobile payment terminal allows salespeople to take payment from customers wherever they are, avoiding long queues at the checkout and improving the overall experience.

The advantages of a mobile payment terminal:

  • Mobility and flexibility: allows payments to be processed anywhere (trade shows, markets, food trucks, outdoor events) as well as in-store, enabling sales staff to take payments from customers wherever they are, offering total geographical freedom.

  • Fast transactions: thanks to 3G/4G or Wi-Fi connections, payments are made in real time, reducing queues and improving the customer experience.

  • Ease of use: their ergonomic and intuitive design simplifies the payment process, allowing merchants to quickly accept transactions without the need for extensive technical training.

  • Reduced costs: for small businesses or professionals on the move, opting for a mobile payment terminal can reduce the initial investment compared to purchasing a fixed terminal. Renting or using mobile payment apps often offers an all-in-one package including maintenance and updates.

  • Technological adaptability: Mobile terminals benefit from regular software updates, incorporating the latest security standards and innovations.

Tap to Pay

Tap to Pay on smartphones is an innovative solution that transforms your mobile device into a payment terminal. With this technology, you can accept contactless payments directly with your iPhone or Android device, without the need for additional dedicated equipment.

  • Simplicity and convenience: simply use your phone to scan the customer's card or electronic wallet and complete the transaction in seconds.

  • Flexibility: ideal for small businesses or professionals on the move, Tap to Pay allows you to accept payments wherever you are, even without access to a physical terminal.

  • Integration: this solution integrates easily with payment apps and allows you to manage transactions directly from your smartphone.

Traditional payment terminals

Traditional payment terminals are often installed in physical points of sale and are characterised by their robustness and reliability. Designed for intensive use, they handle a large volume of transactions and can be easily integrated into existing business infrastructures. Their robust design makes them particularly suitable for environments where security and continuity of operations are paramount. However, their main disadvantage is their lack of mobility, which limits their use to fixed points of sale.

Mobile payment terminals

Mobile payment terminals represent a real revolution in the world of payments. Compact and lightweight, these solutions enable transactions to be processed in real time, regardless of the merchant's location. Perfectly suited to mobile professionals, craftsmen or salespeople at events, they offer great flexibility. In addition, in-store, a mobile payment terminal allows salespeople to take payment from customers wherever they are, avoiding long queues at the checkout and improving the overall experience.

The advantages of a mobile payment terminal:

  • Mobility and flexibility: allows payments to be processed anywhere (trade shows, markets, food trucks, outdoor events) as well as in-store, enabling sales staff to take payments from customers wherever they are, offering total geographical freedom.

  • Fast transactions: thanks to 3G/4G or Wi-Fi connections, payments are made in real time, reducing queues and improving the customer experience.

  • Ease of use: their ergonomic and intuitive design simplifies the payment process, allowing merchants to quickly accept transactions without the need for extensive technical training.

  • Reduced costs: for small businesses or professionals on the move, opting for a mobile payment terminal can reduce the initial investment compared to purchasing a fixed terminal. Renting or using mobile payment apps often offers an all-in-one package including maintenance and updates.

  • Technological adaptability: Mobile terminals benefit from regular software updates, incorporating the latest security standards and innovations.

Tap to Pay

Tap to Pay on smartphones is an innovative solution that transforms your mobile device into a payment terminal. With this technology, you can accept contactless payments directly with your iPhone or Android device, without the need for additional dedicated equipment.

  • Simplicity and convenience: simply use your phone to scan the customer's card or electronic wallet and complete the transaction in seconds.

  • Flexibility: ideal for small businesses or professionals on the move, Tap to Pay allows you to accept payments wherever you are, even without access to a physical terminal.

  • Integration: this solution integrates easily with payment apps and allows you to manage transactions directly from your smartphone.

Traditional payment terminals

Traditional payment terminals are often installed in physical points of sale and are characterised by their robustness and reliability. Designed for intensive use, they handle a large volume of transactions and can be easily integrated into existing business infrastructures. Their robust design makes them particularly suitable for environments where security and continuity of operations are paramount. However, their main disadvantage is their lack of mobility, which limits their use to fixed points of sale.

Mobile payment terminals

Mobile payment terminals represent a real revolution in the world of payments. Compact and lightweight, these solutions enable transactions to be processed in real time, regardless of the merchant's location. Perfectly suited to mobile professionals, craftsmen or salespeople at events, they offer great flexibility. In addition, in-store, a mobile payment terminal allows salespeople to take payment from customers wherever they are, avoiding long queues at the checkout and improving the overall experience.

The advantages of a mobile payment terminal:

  • Mobility and flexibility: allows payments to be processed anywhere (trade shows, markets, food trucks, outdoor events) as well as in-store, enabling sales staff to take payments from customers wherever they are, offering total geographical freedom.

  • Fast transactions: thanks to 3G/4G or Wi-Fi connections, payments are made in real time, reducing queues and improving the customer experience.

  • Ease of use: their ergonomic and intuitive design simplifies the payment process, allowing merchants to quickly accept transactions without the need for extensive technical training.

  • Reduced costs: for small businesses or professionals on the move, opting for a mobile payment terminal can reduce the initial investment compared to purchasing a fixed terminal. Renting or using mobile payment apps often offers an all-in-one package including maintenance and updates.

  • Technological adaptability: Mobile terminals benefit from regular software updates, incorporating the latest security standards and innovations.

Tap to Pay

Tap to Pay on smartphones is an innovative solution that transforms your mobile device into a payment terminal. With this technology, you can accept contactless payments directly with your iPhone or Android device, without the need for additional dedicated equipment.

  • Simplicity and convenience: simply use your phone to scan the customer's card or electronic wallet and complete the transaction in seconds.

  • Flexibility: ideal for small businesses or professionals on the move, Tap to Pay allows you to accept payments wherever you are, even without access to a physical terminal.

  • Integration: this solution integrates easily with payment apps and allows you to manage transactions directly from your smartphone.

Traditional payment terminals

Traditional payment terminals are often installed in physical points of sale and are characterised by their robustness and reliability. Designed for intensive use, they handle a large volume of transactions and can be easily integrated into existing business infrastructures. Their robust design makes them particularly suitable for environments where security and continuity of operations are paramount. However, their main disadvantage is their lack of mobility, which limits their use to fixed points of sale.

Mobile payment terminals

Mobile payment terminals represent a real revolution in the world of payments. Compact and lightweight, these solutions enable transactions to be processed in real time, regardless of the merchant's location. Perfectly suited to mobile professionals, craftsmen or salespeople at events, they offer great flexibility. In addition, in-store, a mobile payment terminal allows salespeople to take payment from customers wherever they are, avoiding long queues at the checkout and improving the overall experience.

The advantages of a mobile payment terminal:

  • Mobility and flexibility: allows payments to be processed anywhere (trade shows, markets, food trucks, outdoor events) as well as in-store, enabling sales staff to take payments from customers wherever they are, offering total geographical freedom.

  • Fast transactions: thanks to 3G/4G or Wi-Fi connections, payments are made in real time, reducing queues and improving the customer experience.

  • Ease of use: their ergonomic and intuitive design simplifies the payment process, allowing merchants to quickly accept transactions without the need for extensive technical training.

  • Reduced costs: for small businesses or professionals on the move, opting for a mobile payment terminal can reduce the initial investment compared to purchasing a fixed terminal. Renting or using mobile payment apps often offers an all-in-one package including maintenance and updates.

  • Technological adaptability: Mobile terminals benefit from regular software updates, incorporating the latest security standards and innovations.

Tap to Pay

Tap to Pay on smartphones is an innovative solution that transforms your mobile device into a payment terminal. With this technology, you can accept contactless payments directly with your iPhone or Android device, without the need for additional dedicated equipment.

  • Simplicity and convenience: simply use your phone to scan the customer's card or electronic wallet and complete the transaction in seconds.

  • Flexibility: ideal for small businesses or professionals on the move, Tap to Pay allows you to accept payments wherever you are, even without access to a physical terminal.

  • Integration: this solution integrates easily with payment apps and allows you to manage transactions directly from your smartphone.

How to choose your payment terminal?

Assess your needs

Choosing a payment terminal starts with a thorough analysis of your business needs. It is important to consider the type of business you operate. The volume of transactions, the nature of your products or services and even your customer profile are all key factors. This assessment stage allows you to define precisely the features that are essential for your business.

Technical and functional criteria

When choosing a payment terminal, several technical criteria must be taken into account to ensure optimal integration into your payment system. The compatibility of the terminal with your existing management software is essential, as is support for various payment methods (card, contactless, digital wallets). The ergonomics and autonomy of the device are also crucial: an easy-to-use payment terminal reduces errors and improves customer satisfaction.

Financial aspects and return on investment

It is important to evaluate not only the purchase or rental cost, but also the commissions charged on each transaction, as well as maintenance and software update costs. Buying a payment terminal is a significant initial investment, but it can prove profitable in the long term if the volume of transactions is high. Conversely, leasing offers budget flexibility and includes technical support in the package, which is particularly attractive for small businesses or professionals whose needs are changing. A detailed analysis of the total cost of ownership will help you identify the most advantageous solution to optimise your return on investment.

Impact on customer experience

Beyond the technical and financial aspects, the choice of a payment terminal directly influences the customer experience. A modern and intuitive terminal reduces waiting times, simplifies the payment process and reinforces the perception of security and modernity of your brand. Features such as electronic receipt management, interface customisation and integration with loyalty programmes can help build customer loyalty and enhance your company's brand image.

What will be the best payment terminal in 2025?

In 2025, the ideal payment terminal will be characterised by a harmonious combination of robustness, flexibility and security. The best terminal will incorporate advanced technologies—such as NFC connectivity, mobile payment compatibility and an intuitive interface—to provide a fast and secure payment experience. Ultimately, there is no one-size-fits-all POS terminal: the best choice will depend on the specific nature of your business, your transaction volume and your strategy, while ensuring total security and adaptability to current market requirements.

Assess your needs

Choosing a payment terminal starts with a thorough analysis of your business needs. It is important to consider the type of business you operate. The volume of transactions, the nature of your products or services and even your customer profile are all key factors. This assessment stage allows you to define precisely the features that are essential for your business.

Technical and functional criteria

When choosing a payment terminal, several technical criteria must be taken into account to ensure optimal integration into your payment system. The compatibility of the terminal with your existing management software is essential, as is support for various payment methods (card, contactless, digital wallets). The ergonomics and autonomy of the device are also crucial: an easy-to-use payment terminal reduces errors and improves customer satisfaction.

Financial aspects and return on investment

It is important to evaluate not only the purchase or rental cost, but also the commissions charged on each transaction, as well as maintenance and software update costs. Buying a payment terminal is a significant initial investment, but it can prove profitable in the long term if the volume of transactions is high. Conversely, leasing offers budget flexibility and includes technical support in the package, which is particularly attractive for small businesses or professionals whose needs are changing. A detailed analysis of the total cost of ownership will help you identify the most advantageous solution to optimise your return on investment.

Impact on customer experience

Beyond the technical and financial aspects, the choice of a payment terminal directly influences the customer experience. A modern and intuitive terminal reduces waiting times, simplifies the payment process and reinforces the perception of security and modernity of your brand. Features such as electronic receipt management, interface customisation and integration with loyalty programmes can help build customer loyalty and enhance your company's brand image.

What will be the best payment terminal in 2025?

In 2025, the ideal payment terminal will be characterised by a harmonious combination of robustness, flexibility and security. The best terminal will incorporate advanced technologies—such as NFC connectivity, mobile payment compatibility and an intuitive interface—to provide a fast and secure payment experience. Ultimately, there is no one-size-fits-all POS terminal: the best choice will depend on the specific nature of your business, your transaction volume and your strategy, while ensuring total security and adaptability to current market requirements.

Assess your needs

Choosing a payment terminal starts with a thorough analysis of your business needs. It is important to consider the type of business you operate. The volume of transactions, the nature of your products or services and even your customer profile are all key factors. This assessment stage allows you to define precisely the features that are essential for your business.

Technical and functional criteria

When choosing a payment terminal, several technical criteria must be taken into account to ensure optimal integration into your payment system. The compatibility of the terminal with your existing management software is essential, as is support for various payment methods (card, contactless, digital wallets). The ergonomics and autonomy of the device are also crucial: an easy-to-use payment terminal reduces errors and improves customer satisfaction.

Financial aspects and return on investment

It is important to evaluate not only the purchase or rental cost, but also the commissions charged on each transaction, as well as maintenance and software update costs. Buying a payment terminal is a significant initial investment, but it can prove profitable in the long term if the volume of transactions is high. Conversely, leasing offers budget flexibility and includes technical support in the package, which is particularly attractive for small businesses or professionals whose needs are changing. A detailed analysis of the total cost of ownership will help you identify the most advantageous solution to optimise your return on investment.

Impact on customer experience

Beyond the technical and financial aspects, the choice of a payment terminal directly influences the customer experience. A modern and intuitive terminal reduces waiting times, simplifies the payment process and reinforces the perception of security and modernity of your brand. Features such as electronic receipt management, interface customisation and integration with loyalty programmes can help build customer loyalty and enhance your company's brand image.

What will be the best payment terminal in 2025?

In 2025, the ideal payment terminal will be characterised by a harmonious combination of robustness, flexibility and security. The best terminal will incorporate advanced technologies—such as NFC connectivity, mobile payment compatibility and an intuitive interface—to provide a fast and secure payment experience. Ultimately, there is no one-size-fits-all POS terminal: the best choice will depend on the specific nature of your business, your transaction volume and your strategy, while ensuring total security and adaptability to current market requirements.

Assess your needs

Choosing a payment terminal starts with a thorough analysis of your business needs. It is important to consider the type of business you operate. The volume of transactions, the nature of your products or services and even your customer profile are all key factors. This assessment stage allows you to define precisely the features that are essential for your business.

Technical and functional criteria

When choosing a payment terminal, several technical criteria must be taken into account to ensure optimal integration into your payment system. The compatibility of the terminal with your existing management software is essential, as is support for various payment methods (card, contactless, digital wallets). The ergonomics and autonomy of the device are also crucial: an easy-to-use payment terminal reduces errors and improves customer satisfaction.

Financial aspects and return on investment

It is important to evaluate not only the purchase or rental cost, but also the commissions charged on each transaction, as well as maintenance and software update costs. Buying a payment terminal is a significant initial investment, but it can prove profitable in the long term if the volume of transactions is high. Conversely, leasing offers budget flexibility and includes technical support in the package, which is particularly attractive for small businesses or professionals whose needs are changing. A detailed analysis of the total cost of ownership will help you identify the most advantageous solution to optimise your return on investment.

Impact on customer experience

Beyond the technical and financial aspects, the choice of a payment terminal directly influences the customer experience. A modern and intuitive terminal reduces waiting times, simplifies the payment process and reinforces the perception of security and modernity of your brand. Features such as electronic receipt management, interface customisation and integration with loyalty programmes can help build customer loyalty and enhance your company's brand image.

What will be the best payment terminal in 2025?

In 2025, the ideal payment terminal will be characterised by a harmonious combination of robustness, flexibility and security. The best terminal will incorporate advanced technologies—such as NFC connectivity, mobile payment compatibility and an intuitive interface—to provide a fast and secure payment experience. Ultimately, there is no one-size-fits-all POS terminal: the best choice will depend on the specific nature of your business, your transaction volume and your strategy, while ensuring total security and adaptability to current market requirements.

Payment terminal pricing and fees

Payment terminal pricing is based on a combination of fixed and variable fees. The initial cost of the hardware varies depending on the features offered and the technology integrated. In addition, many providers offer rental contracts that include maintenance, software updates and technical support, making it easier for businesses to manage their budgets. In addition to the purchase or rental cost, there are recurring fees in the form of commissions on each transaction, often expressed as a percentage of the amount of payments processed. This hybrid pricing structure allows businesses to choose a solution tailored to their business volume and financial capabilities.

Payment terminal pricing is based on a combination of fixed and variable fees. The initial cost of the hardware varies depending on the features offered and the technology integrated. In addition, many providers offer rental contracts that include maintenance, software updates and technical support, making it easier for businesses to manage their budgets. In addition to the purchase or rental cost, there are recurring fees in the form of commissions on each transaction, often expressed as a percentage of the amount of payments processed. This hybrid pricing structure allows businesses to choose a solution tailored to their business volume and financial capabilities.

Payment terminal pricing is based on a combination of fixed and variable fees. The initial cost of the hardware varies depending on the features offered and the technology integrated. In addition, many providers offer rental contracts that include maintenance, software updates and technical support, making it easier for businesses to manage their budgets. In addition to the purchase or rental cost, there are recurring fees in the form of commissions on each transaction, often expressed as a percentage of the amount of payments processed. This hybrid pricing structure allows businesses to choose a solution tailored to their business volume and financial capabilities.

Payment terminal pricing is based on a combination of fixed and variable fees. The initial cost of the hardware varies depending on the features offered and the technology integrated. In addition, many providers offer rental contracts that include maintenance, software updates and technical support, making it easier for businesses to manage their budgets. In addition to the purchase or rental cost, there are recurring fees in the form of commissions on each transaction, often expressed as a percentage of the amount of payments processed. This hybrid pricing structure allows businesses to choose a solution tailored to their business volume and financial capabilities.

Where and how can I get a payment terminal?

Distribution channels

Payment terminals are available through various channels, offering businesses a multitude of options to find the solution best suited to their needs. Specialised retailers, often represented by brands with expertise in payment solutions, offer on-site demonstrations and personalised advice. They have in-depth knowledge of the market and can help identify the POS terminal best suited to your industry.

Purchase or rental: which solution should you choose?

How you acquire a payment terminal depends largely on your business model and your short- and long-term needs.

  • Purchase: investing in a payment terminal may be a good idea for businesses with a regular and predictable flow of transactions. Owning the equipment gives you complete control over updates and maintenance, but involves a significant initial investment and additional costs in the long term.

  • Leasing: leasing is an attractive option for small businesses or those with rapidly changing needs. This model offers budget flexibility and provides a comprehensive service including maintenance and technical support. It also offers the possibility of upgrading to more powerful solutions without having to completely replace the equipment.

Installing and setting up a payment terminal

Once you have chosen your payment terminal (whether purchased or rented), it is essential to set it up and install it correctly to ensure optimal operation from the outset. Here are the key steps:

  1. Unpacking and checking

  2. When you receive your payment terminal, unpack the equipment and check that all components (adapter, cables, user manual) are present and in good condition.

  3. Connecting to the network

  4. For mobile payment terminals, make sure you have a stable Internet connection via 3G/4G or Wi-Fi. For a fixed payment terminal, connect it via the telephone line or to your secure Internet network, following the instructions in the manual.

  5. Installing the software

  6. Most payment terminals require the installation of dedicated software or an app. Follow the instructions provided to configure the device and connect it to your merchant account. Technical support is often available to assist you with this process.

  7. Configuring security settings

  8. Configure the terminal by enabling the recommended security options (data encryption, automatic updates, security certificate configuration) to ensure transaction protection.

  9. Testing

  10. Before putting it into service, carry out several test transactions to check that the payment terminal is working correctly and that all payment methods (card, contactless, QR code, etc.) are operational.

  11. Staff training

  12. Train your employees on how to use the terminal by reviewing the main features, the start-up procedure, how to enter amounts, and how to handle any errors.

  13. Technical support

  14. Keep your supplier's technical support contact details handy in case you have any questions or difficulties during the installation or use of the payment terminal.

These steps will enable you to install and set up your payment terminal efficiently, ensuring a smooth start and an optimal payment experience for your customers.

Integration with management and CRM systems

Payment terminals are not limited to simply validating a transaction. Increasingly, they are being integrated with business management systems and CRM (Customer Relationship Management) software. This integration allows you to centralise sales data, improve customer tracking and optimise loyalty campaigns. For example, by linking your payment terminal to management software, you can automatically generate sales statistics, track purchasing behaviour and adapt your promotional offers in real time.

Environmental impact and social responsibility

With growing environmental concerns, some service providers are turning to more eco-friendly solutions. Terminals with low energy consumption or made from recyclable materials are starting to appear on the market. In addition, the digitisation of receipts and invoices reduces paper use, contributing to a more responsible approach.

Mollie and point-of-sale payment solutions: a comprehensive offering for all businesses

Mollie offers an omnichannel payment solution for retailers, omnichannel businesses and SaaS platforms. Once you sign up, you can start accepting payments in person in the way that suits you best: use your own smartphone or order one of the POS terminals offered by Mollie. The idea is simple: it's your business, so get paid the way you want, wherever you are.

Solutions tailored to all your needs

Mobile terminal

This terminal is designed to give you complete freedom. With 4G and WiFi connectivity, it allows you to accept payments without needing to plug it in. Compact, lightweight and portable, the mobile terminal is perfect for:

  • In-store sales, where it allows sales assistants to take payments from customers anywhere in the shop, reducing traditional queues.

  • Mobile professionals, market traders or even at outdoor events.

Prices range from £350 to £550 to buy, with a rental option available from £20 per month per active terminal.

Fixed terminal

Ideal for environments where a personalised checkout experience is essential, the fixed terminal connects via Ethernet, ensuring optimal reliability. Designed to withstand vandalism and easy to install, it is particularly suitable for kiosks and unattended points of sale. As with the mobile terminal, a rental package is available from £20 per month per active terminal, with a purchase price ranging from £350 to £550.

Tap to Pay on smartphone

Mollie is also innovating with its Tap to Pay solution, which transforms your iPhone or Android device into a contactless payment terminal. This solution allows you to accept card or e-wallet payments anywhere, anytime, quickly and easily.

An integrated, omnichannel experience

With Mollie, you get a single platform for accepting payments and simplifying your financial management. Whether you're a market vendor, a physical retailer, a taxi driver or a mobile business, Mollie adapts to your business. In a few simple steps, you can:

  1. Create your Mollie account: register your business in just a few clicks.

  2. Choose your solution: activate Tap to Pay or order the terminal that suits your needs.

  3. Start accepting payments: manage all your transactions from a centralised dashboard, accessible via the Mollie app.

Transparent pricing and seamless integration

Mollie also stands out for its simple, no-commitment pricing policy:

  • For European consumers (debit and credit cards): 1.80% + £0.10 per transaction.

  • For transactions outside Europe or business cards: 2.90% + £0.10 per transaction.

There are no exclusivity contracts or fixed monthly fees: you only pay for each payment accepted with your device. What's more, integration with your other systems is seamless via the Mollie Dashboard, making it easy to manage your payments, generate reports and optimise your accounting.

Tools to boost your business

Beyond point-of-sale payment solutions, Mollie offers a complete ecosystem including:

  • Secure payment links: to create and share payment links and get paid faster.

  • Recurring payments: to set up flexible subscriptions and simplify billing.

  • Invoicing: to speed up payment collection with digital invoices.

  • Mollie Capital: a financing solution that allows you to receive up to £250,000 to support your growth.

By joining the 250,000 European businesses that are already customers, you not only benefit from advanced technological tools, but also from first-class support in your language to accompany you every step of the way. Would you like to find out more about our point-of-sale payment solutions? Contact us!

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MollieGrowthPayment terminals: The complete guide
MollieGrowthPayment terminals: The complete guide
MollieGrowthPayment terminals: The complete guide