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  1. Thrifty Payments
  2. Blog
  3. The Best Credit Card Processors of 2025: Hardware and Pricing
Thrifty Payments 22nd May 2025

The Best Credit Card Processors of 2025: Hardware and Pricing


All the small business owners! If you are reading this, chances are you are searching for the best credit card terminals for small businesses or perhaps the top credit card processing terminals that can keep your sales flowing smoothly. Let us face it—choosing the correct credit card terminals and retail payment solutions isn’t just about swiping and signing anymore. It is about finding a reliable, affordable, and user-friendly system that fits your unique business needs.

So 2025, what's trending in credit card processing terminals, and how do you know you're getting the most bang for your buck? Buckle up, as we take a ride into the most recent trends, rates, and hardware available—including some top-performing devices like the E700, E500, and A920 Pro—that are defining the future of retail payment solutions for your POS system.

Why Selecting the Right Credit Card Terminals is Important

First things first—your credit card terminals are the pulse of your sales cycle. They're the equipment that transforms a basic purchase into an effortless transaction, increasing customer satisfaction and loyalty. Whether you have a small boutique, a busy restaurant, or a short-term pop-up shop, the best small business credit card reader must be dependable, affordable, and user-friendly.

In 2025, the scene has broadened beyond what used to be the classic terminals. Today, credit card processing terminals can take several forms—mobile card readers, countertop terminals, integrated POS systems, and even mobile wallet and contactless-enabled solutions. The aim? Speed and flexibility.

Best Credit Card Processing Terminals of 2025

These are some of the top choices that have become hot favorites with small businesses this year, such as the multi-purpose E700, E500, and A920 Pro:

Square Terminal & Square Register

Square remains the king of small businesses with its payment solutions for retail for your POS system. Its credit card processing terminals are synonymous with simplicity, affordability, and solid features. The Square Terminal, an all-in-one portable device, is ideal for small business credit card terminals that require flexibility. It accommodates chip, swipe, contactless, and mobile wallets, making it suitable for any sales environment.

Stripe Terminal

For companies looking for a developer-friendly, customizable solution, Stripe Terminal provides credit card readers that can be easily integrated into online and offline environments. Its retail payment options are best suited for merchants who require a seamless experience across channels.

Clover Flex & Clover Station

Clover hardware products provide robust and simple-to-use credit card processing terminals. The Clover Flex is a portable device ideal for small businesses with mobility needs, while the Clover Station supports the larger brick-and-mortar installation.

SumUp Air & SumUp 3G

These mobile credit card readers are inexpensive and straightforward, a leading choice for the best payment processing for a small business on a budget.

Innovative Hardware: E700, E500, and A920 Pro

Among the constantly changing credit card processing terminal landscape, some hardware models shine in terms of features and versatility:

E700:This stylish, Android terminal integrates robust security features with a high-resolution touchscreen. Ideal for your POS system's retail payment solutions that need fast, secure transactions, the E700 allows contactless, chip, and magnetic stripe payments, ensuring it is a flexible option for active retail settings.

E500:Engineered to be efficient and straightforward, the E500 is a small countertop device that supports EMV chip, magstripe, and contactless transactions. Its ease of use has made it a go-to choice for credit card terminals among small businesses looking for an easy, no-hassle solution.

A920 Pro: Popular for being portable, the A920 Pro is a wireless credit card reader with the capacity to accept NFC contactless payments, chip, and magstripe. Its printer integration is perfect for merchants on the move, such as food trucks or market vendors, offering retail payment solutions for your POS anywhere.

When considering credit card processing terminals, price is paramount. Here's what you should remember:

Hardware Fees: Most providers now provide credit card terminals for low or no initial costs, particularly with rent or lease alternatives. For instance, the E700, E500, and A920 Pro are frequently provided through leasing schemes or as part of a processing plan, with hardware fees incorporated into transaction fees or monthly plans.

Transaction Fees: The standard rate is 1.5% to 3.5% for every swipe or keyed transaction. Some providers offer tiers or flat-rate pricing plans, which help reduce budgetary complications.

Monthly and Extra Fees: Avoid monthly service fees, PCI compliance fees, or chargeback fees. The best credit card reader for small businesses keeps these additional costs to a minimum.

Hardware Prices: The A920 Pro and E700 typically cost between $300 and $600 based on features and vendor contracts. The E500 is usually less expensive, often below $300, and thus an excellent, affordable credit card terminal.

Tip: Most vendors offer hardware with a retail payment solutions package containing processing rates, simplifying small businesses' budgetary planning.

Hardware Features to Consider in 2025

The hardware you select must be compliant with your company's sales environment. The following are some essential features in credit card terminals this year:

Contactless & Mobile Wallet Support

These are the norm now: Apple Pay, Google Pay, and Samsung Pay. The ideal credit card reader for small businesses must be contactless payment-capable to reduce checkout time.

EMV Chip Compatibility

EMV chip readers give added security. Both the E700 and E500 have EMV technology compatibility, making transactions secure.

NFC and QR Code Payments

QR code payments are more in vogue and can be supported by devices such as the A920 Pro. This feature can attract more customers who opt for contactless or mobile payments.

Durability & Portability

The A920 Pro is portable and durable, making it well-suited for mobile vendors or on-the-go installations, while the E700 provides a sleek, fixed countertop installation.

Easy Integration

Your hardware must integrate smoothly with your POS system or online store and offer a single retail payment solution.

Briefly: Selecting Your Retail Payment Solutions for Your POS System

In 2025, the ideal credit card processing solutions offer low cost, flexibility, and sophisticated hardware features. For small businesses, selecting a credit card terminal with transparent pricing, strong security, and simplicity is key.

Providers such as Square, Stripe, and Clover, and new hardware models such as the E700, E500, and A920 Pro offer customized solutions specifically for small businesses—their retail payment solutions scale with you, providing expandable hardware choices and competitive interchange rates.

Investing in the correct credit card terminals isn’t just about accepting payments; it’s about creating a smooth, secure, and satisfying customer experience whether a brick-and-mortar shop or a mobile vendor, the best credit card reader for small businesses will streamline your sales process and boost your bottom line.

Wrap-Up

Choosing the right credit card processing terminals in 2025 involves considering your business size, budget, and sales environment. Focus on hardware features, transparent pricing, and support for the latest payment methods. With the right retail payment solutions for your POS system, you’ll be ready to serve customers faster, safer, and smarter.

So, pick the credit card terminal that best suits your needs, and watch your small business thrive!

Reach Out to Us!

Please don't hesitate to contact us if you have any questions or concerns

About Us

Thrifty Payment is a leading credit card processing and merchant service that aims to provide its clients with unmatched payment processing solutions across the U.S. Using our services has significantly changed the online business industry. Thrifty Payments has become one of the most significant business technologies that can assist any online business sufficiently. We help companies to sell their products anywhere effectively and manage their inventories. These services unleash abundant opportunities from global chains to local shops.

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Product Specifications Details

Clover Flex 3 Summary

  • ❖ Clover Flex 3 is a full-featured, handheld POS with a nearly 6” screen.
  • ❖ Wireless charging is supported by the Clover Flex Wireless Cradle and it can also be charged with a USB-C cable.
  • ❖ Flex 3 supports a WiFi and LTE connection (LAN not available).
  • ❖ The battery life supports at least 8 hours of use for a typical SMB.
  • ❖ Its features include a receipt printer, barcode scanner (camera), wireless charging cradle and a headset port. A silicone sleeve is shipped in box.
  • ❖ Its optional compatible accessories include the Flex Travel Kit and an ADA compliant PIN Entry Aid.
  • ❖ Clover Flex 3 features the new Avocado payment flow UI.
  • ❖ It is fully integrated with Clover devices but cannot be tethered to any device over a wire.
  • ❖ Clover Flex 3 is well-suited for a variety of verticals, including full-service restaurants- tableside and curbside, retail, and for merchants in the field.
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Clover Flex 3 Positioning

Clover Flex 3 is a full-functioning POS device that accepts payments, tracks sales, and helps you run your business from the palm of your hand. Its LTE connectivity sets it apart so you can serve customers where they are- at tableside, in line, or out in the field. With an all-day battery, a built-in printer, wireless charging, and a bigger screen it’s the perfect solution for the evolving needs- and speed- of your business.

Speed, Power & Flex‑ibility

  • ❖ Equipped right out of the box
  • • Start your business right away with this mobile smart POS system needing minimal setup and training.
  • ❖ Count on the cloud
  • • Travel with your business anywhere you go. All your data, all your info, always at your fingertips.
  • ❖ Find the right fit for you
  • • Customize the Flex as you see fit. Same power and versatility of our larger devices, and can be configured the way you need.
Product Specifications Details
  • ❖ Online Reporting & Mobile App - Track sales, settle payments, and get real-time insights and analytics with the Poynt HQ portal and mobile app
  • ❖ Product Catalogue - Upload your products, create modifiers, and organize them by category
  • ❖ Customer Engagement - Store purchase history, engage customers with satisfaction surveys, and respond to feedback in real-time via the Poynt HQ portal
  • ❖ Cash Transaction Entry - Track cash payments and tips on your Newland N910 to get a consolidated view of your sales and revenue
  • ❖ Capacitive Multi-Touch Screen - Streamline your check out and experience with a 5-inch merchant-facing touchscreen
  • ❖ Customizable Branding - Upload your company design to the screen and add your branding to receipts
  • ❖ Payment Flexibility - Accept all forms of payment, including, chip (EMV), swipe (magstripe), and contactless (NFC)
  • ❖ Receipt Flexibility - Let your customers choose to receive print, email, or SMS text receipts
  • ❖ Wireless Freedom - Accept payment anywhere with extended battery life and wi-fi and 4G connectivity
  • ❖ Multiple Payments - Split bills between credit, debit, and cash in just a few quick taps
  • ❖ Safe-T Security - Protect your business with an extra layer of security, including end-to-end encryption and tokenization on your Newland N910 terminal
  • ❖ Multi-Location Capabilities - Keep track of all your business locations on your Newland N910 terminal. Easily switch between multiple business accounts as needed
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Product Specifications Details
  • ❖ Online Reporting & Mobile App - Track sales, settle payments, and get real-time insights and analytics with the Poynt HQ portal and mobile app
  • ❖ Product Catalogue - Upload your products, create modifiers, and organize them by category
  • ❖ Customer Engagement - Store purchase history, engage customers with satisfaction surveys, and respond to feedback in real-time via the Poynt HQ portal
  • ❖ Cash Transaction Entry - Track cash payments and tips on your Newland N910 to get a consolidated view of your sales and revenue
  • ❖ Capacitive Multi-Touch Screen - Streamline your check out and experience with a 5-inch merchant-facing touchscreen
  • ❖ Customizable Branding - Upload your company design to the screen and add your branding to receipts
  • ❖ Payment Flexibility - Accept all forms of payment, including, chip (EMV), swipe (magstripe), and contactless (NFC)
  • ❖ Receipt Flexibility - Let your customers choose to receive print, email, or SMS text receipts
  • ❖ Wireless Freedom - Accept payment anywhere with extended battery life and wi-fi and 4G connectivity
  • ❖ Multiple Payments - Split bills between credit, debit, and cash in just a few quick taps
  • ❖ Safe-T Security - Protect your business with an extra layer of security, including end-to-end encryption and tokenization on your Newland N910 terminal
  • ❖ Multi-Location Capabilities - Keep track of all your business locations on your Newland N910 terminal. Easily switch between multiple business accounts as needed
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SpotOn Poynt is a multi-tasking machine designed to accept virtually any payment type and give you advanced marketng and loyalty features, all-in-one. It’s easy-to-use, powerful, and elegant. Best of all, it’s flexible, enabling you to do business your way.

  • ❖ Accept cards, cash, mobile pay, and gi[ cards
  • ❖ Flexible design for countertop use or wherever your customers are
  • ❖ Dual screens, one for you, one for customers
  • ❖ Full integration with Spot-On Marketing, Loyalty, and Appointments
  • ❖ Use as a full point-of-sale or a simple payment terminal

Easy-to-Use with the Power of a Full Point-of-Sale

Thanks to the powerful, intuitive design of SpotOn Poynt, you can operate it as a simple payment terminal, where you process individual transaction amounts, or you can add a full product catalog and run it as a point-of-sale device.

Optimized for Your Business

Use SpotOn Poynt in “terminal mode” to quickly run transactions if you do not require a full product catalog or if you are using SpotOn Appointments Use SpotOn Poynt in “POS mode” to add and modify hundreds of items to your product catalog Optimize your catalog with a flexible hierarchy of Catalogs, Categories, and Products Easily add Open Items during the checkout that are not included in your catalog Add custom taxes, convenience fees, and discounts Operate an optional cash drawer

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Product Specifications Details

Drive customer engagement with loyalty apps

PAX A-series payment terminals don’t just look like high-end smartphones. Their PayDroid operating system also opens the door to a whole new world of marketing & analytics apps via MAXSTORE, ranging from the management of fidelity cards, meal vouchers, Petrol applications, to table order management, ticket validation and payment of bills.

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Product Specifications Details

A complete point of sale that’s better than ever

  • ❖ Larger touch screenThe upsized 8" touch screen has plenty of room to confirm orders, complete payments, and manage everything to run your business.
  • ❖ Payments are easierCustomers can dip or tap payments front and center with a conveniently located card slot and contactless reader.
  • ❖ Receipts with optionsCustomers can get a printed receipt with the built-in printer or you can send receipts by email or text.
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Everything, at your fingertips

  • ❖ Payment options for your customersMini makes it easy for customers to pay with swipe, dip, or tap. Credit or debit. And contactless payments like Apple Pay®, Google Pay™, and PayPal/Venmo®.
  • ❖ Anywhere anytime accessA small POS with real time 24/7 access to your data lets you check in and run your business from wherever you are.
  • ❖ Start small and expand when neededMini works with all other Clover devices and can expand with accessories to build a complete system so your system can grow as your business grows.
Product Specifications Details

Form and function by design

  • ❖ Two screens are faster than one
  • • Keep lines moving with a 14" HD display for you and a 8" touch screen for your guests to confirm their order, leave a tip, redeem rewards, pay, and request a digital receipt.
  • ❖ Beauty and brains all-in-one POS
  • • Attractive and easy-to-use hardware with a printer and included cash drawer and all the right software in one system.

Created for simplicity, speed, and security

  • ❖ Easy to use and ready to go
  • • Station Duo is ready for work right out of the box, and with intuitive software built in, training your staff is minimal.
  • ❖ Accept every type of payment
  • • Let customers pay however they want. Credit or debit. Swipe, dip, or contactless payments like Apple Pay®, Google Pay™, and next generation payments like PayPal/Venmo® QR codes.
  • ❖ We’ve got your back
  • • Protect your business and customer information with end-to-end encryption and integrated chip sensors.
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Manage your business from anywhere

  • ❖ Track, report, repeat
  • • Tracking and reporting is the lifeblood of your business. How was business today? This day last week, or last year? You’ve got the answers.
  • ❖ Help your team to succeed
  • • Run reports to know which employees are your best sellers, manage schedules and timesheets, and set system permission levels to keep track of your biggest assets.
  • ❖ More ways to get paid
  • • Make it easy for customers to pay you away from your counter with options like Virtual Terminal, invoicing, and recurring payments.
  • ❖ Get to know your customers
  • • Grow your business with a customers list built automatically from credit card sales.
  • ❖ Reward customer loyalty
  • • Your best customers deserve special attention—build rewards programs to keep them coming back.
  • ❖ Promotions with purpose
  • • Offer promos to your customers of what’s new or timely, like a fresh spring salad or a fall sweater.
Product Specifications Details

The right tools for the job

  • ❖ Room for you to work The 14" high-definition touch screen makes your work fast and easy, from inventory and employee management to payments and reporting.
  • ❖ Ready out of the box Comes with a cash drawer and receipt printer — all you need to get to work.
  • ❖ Keep your team in the loop Sync communication between your staff and back of house to enhance the way your business runs.
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One station to run your shop

  • ❖ Able to grow with you Station Solo works seamlessly with every other Clover device, letting you build a system that scales as your business grows.
  • ❖ Payments are easy Take swipe or dip payments from all major credit cards.
  • ❖ Speed, power, reliability Station Solo packs plenty of processing power to help you run your business more effectively and efficiently.

Clover helps you grow

  • ❖ Get your money fasterClover Rapid Deposit lets you transfer funds quickly to your bank account.
  • ❖ Turn future sales into cash todayTurn future credit card sales into working capital, with clear and easy payback terms that give you the flexibility to grow your business.
  • ❖ Gift cards are a win-winDrive immediate sales and get new customers with digital and physical gift cards.
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Product Specifications Details

Smooth sailing – at the till and behind the scenes

  • ❖ Customers can pay online when ordering, or on collection after click-and-collect. You can also offer contactless dining via QR codes on tables, encouraging seamless re-ordering.
  • ❖ Offer gift cards to boost sales and build brand loyalty. Create promotions and special offers. Bundle items to increase customers’ average order size.
  • ❖ Use forecasting and table booking to better plan staff timetables and reduce wait times. Send orders directly to kitchen printers to speed up service. Create time-based promotions to attract more customers during slow periods.
  • ❖ Keep a close eye on sales from anywhere, with real-time reporting and insights. Manage multiple locations and compare sales to identify trends and opportunities.
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We’ll help you manage your restaurant, your time and your payments all from one place, with point-of-sale software designed to maximise how you do business.

  • ❖ Customise menus
  • ❖ Split bills
  • ❖ Print to kitchen
  • ❖ Online click-and-collect
  • ❖ Gift cards – paper and digital
  • ❖ Help whenever you need it, with 24/7 phone support

Clover helps you grow

  • ❖ Get your money fasterClover Rapid Deposit lets you transfer funds quickly to your bank account.
  • ❖ Turn future sales into cash todayTurn future credit card sales into working capital, with clear and easy payback terms that give you the flexibility to grow your business.
  • ❖ Gift cards are a win-winDrive immediate sales and get new customers with digital and physical gift cards.
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Product Specifications Details

Self ordering, optimized

  • ❖ Boost efficiency Free up your staff to focus on value-added tasks rather than taking orders.
  • ❖ Improve customer experience Let customers browse menus at their own pace and customize their orders the way they want.
  • ❖ Grow your average ticket size Increase restaurant revenue by promoting cross-selling and upselling options on the ordering kiosk.
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Product Specifications Details

Make orders make sense

  • ❖ Bridge the gap between your front and back of house so you never get thrown off by order volume swings again.
  • ❖ Consolidate your order channels and put all on-premise orders and off-premise third party orders in one place.
  • ❖ Do away with paper ticket clutter in the kitchen. Place an order on any device in the restaurant, and it will fire straight to the KDS.
  • ❖ Print Runner tickets on any network-connected printer directly from the KDS.
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Keep operations running smoothly

  • ❖ Improve diner experience by speeding up service without losing order accuracy.
  • ❖ Track your team’s performance and adjust as you go with prep time and fulfillment reporting.
  • ❖ Reduce the risk of operational mistakes for on-premise ordering.
  • ❖ Increase orders and revenue.

Built for restaurants –and restaurants only

  • ❖ The Clover KDS is purpose-built for food service and kitchen environments with a temperature resistant body that has the highest heat tolerance (122°F) on the market.
  • ❖ Easy to clean and see with anti-fingerprint and anti-glare treatment.
  • ❖ Bi-directional speakers help alerts be heard even in the noisiest kitchens.
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Right‑sized for your fast‑paced kitchen

The Clover Kitchen Display System has plenty of room to manage all your orders, whether you choose the 14" or 24" model.

KDS Software Features

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Multi-Level Fulfillment

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Expo Mode

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Item Level Routing

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Prep Time Reporting

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Color-Coded Order Status

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Runner Ticket Printing