Compare Payment Processing Solutions
Compare payment costs, technology and support. Find the setup that fits your business.
Features, pricing and eligibility vary by provider and setup.
What to compare with ONKORE
Real-time funding
Eligible payouts on weekends and holidays, too.
Availability & details
Available on supported programs with a participating receiving bank. Approval, limits, fees, risk reviews, and program conditions apply. Real-time payouts are distinct from standard card settlement and True Daily Funding; not every transaction is immediately available.
3D Secure transactions
Cardholder authentication for eligible online payments.
Availability & details
3D Secure / 3DS2 is available through supported gateway configurations. It helps authenticate online cardholders; it does not guarantee approval, prevent every dispute, or provide a liability shift in every case.
Your brand. Your customer relationships.
Direct restaurant ordering through supported POS setups.
Availability & details
Supported solutions can include branded websites and apps, compatible POS connections, menu controls, customer messaging, reporting, and ownership of data generated through direct orders. Availability depends on the selected solution and agreement; confirm data access, export rights, and customer-consent requirements.
Compare Providers
Choose your current provider to compare with ONKORE.
POS & Business Platforms
ONKORE vs Toast
Integrated POS and payment ecosystem with strong restaurant/hospitality capabilities and expanding retail solutions for select business types.
ComparePOS & Business Platforms
ONKORE vs Clover
POS and payment processing platform with countertop, mobile, and mini terminals distributed through resellers, banks, and direct channels.
ComparePOS & Business Platforms
ONKORE vs Square
Flat-rate, plan-based payment processing with integrated POS, online, and mobile tools for small businesses.
ComparePOS & Business Platforms
ONKORE vs Lightspeed
Cloud-based POS and payment processing for retail and restaurant businesses.
Compare
POS & Business Platforms
ONKORE vs Shopify Payments
Integrated payment processing built into the Shopify e-commerce platform.
CompareGateway, API & Online Payments
ONKORE vs Stripe
Developer-first online payments and payment-infrastructure platform with API-first checkout, tokenization, recurring billing, and omnichannel tooling.
Compare
Direct & Traditional Providers
ONKORE vs Adyen
Enterprise payments platform for unified commerce, online, in-person, and global payment operations.
Compare
Direct & Traditional Providers
ONKORE vs Bank of America Merchant Services
Merchant services from a major bank offering payment processing and POS solutions.
Compare
Direct & Traditional Providers
ONKORE vs Chase Payment Solutions
Merchant services from JPMorgan Chase offering payment processing and terminal solutions.
ComparePOS capabilitiesPOS capabilities: checkout, inventory & reporting
POS Capabilities
What does your business actually need from a POS? ONKORE-supported POS options are configured around your restaurant or retail requirements — compared here against the major competing POS ecosystems.
Direct restaurant ordering & customer relationships
Supported restaurant POS configurations offer branded ordering channels with compatible POS connections. Review menu controls, customer communication, reporting, and rights to direct-order customer data for your selected setup.
| Capability | ONKORE-Supported POS |  |  |  |  |
|---|---|---|---|---|---|
| Restaurant POS | Restaurant solution available (supported POS solutions) | Yes (restaurant-focused) | Yes (via apps) | Yes (Square POS) | Yes (Lightspeed Restaurant) |
| Retail POS | Retail solution available (supported POS solutions) | Not a primary focus | Yes (via apps) | Yes (Square POS) | Yes (Lightspeed Retail) |
| Table service | Available through supported restaurant POS solutions | Yes (tableside ordering, floor management) | Available through apps | Available | Yes (restaurant POS) |
| Quick service | Available through supported restaurant POS solutions | Yes (QSR workflows) | Available through apps | Available | Yes (restaurant POS) |
| Menu management | Available through supported restaurant POS solutions | Yes (menus, modifiers, multi-location sync) | Available through apps | Yes (Square POS menu) | Yes |
| Kitchen workflows / KDS | Available through supported restaurant POS solutions | Yes (Toast KDS) | Available through apps/integrations | Available (Square for Restaurants) | Available through integrations |
| Online ordering | Supported restaurant POS setups can connect branded website and app orders with compatible POS systems; menu controls, pre-orders, pickup and delivery options vary by configuration. | Yes (Toast Online Ordering) | Clover online ordering and gateway | Yes (Square Online) | Yes (Lightspeed eCom) |
| Direct customer relationships | Supported direct ordering channels can help you retain customer relationships and access customer data. Confirm agreement, access, export rights and consent requirements. | Confirm direct-order customer-data access, marketing consent, portability and ownership terms with the provider. | Confirm direct-order customer-data access, marketing consent, portability and ownership terms with the provider. | Confirm direct-order customer-data access, marketing consent, portability and ownership terms with the provider. | Confirm direct-order customer-data access, marketing consent, portability and ownership terms with the provider. |
| Inventory | Available through supported POS solutions | Menu and inventory management built in | Available through apps | Yes (built into Square POS) | Yes (built in) |
| Loyalty | Available through supported POS solutions | Yes (Toast Loyalty) | Available through apps | Yes (Square Loyalty) | Available |
| Gift cards | Available through supported POS solutions | Yes (Toast Gift Cards) | Available through apps | Yes (Square eGift cards) | Available |
| Employee management | Available through supported POS solutions | Yes (team management, scheduling, payroll) | Available (employee management tools) | Yes (Square Team Management) | Yes |
| Reporting | Available through supported POS solutions | Yes (restaurant reporting) | Yes (Clover dashboard) | Yes (Square Dashboard) | Yes (built in) |
| Multi-location | Available through supported POS solutions | Yes | Available | Yes | Yes |
| Hardware options | Available — countertop, wireless, mobile, kiosk terminals | Toast POS, Go, Kiosk (Pay Now / Pay Later) | Station, Mini, Flex, Go | Reader, Terminal, Register, Stand | Lightspeed-supported hardware |
| True Daily Funding | Available on supported processing programs; separate from eligible real-time payouts, which may operate on weekends and holidays. Confirm the approved program and receiving bank. | Instant Deposit available (1.75% fee); standard funding timeline varies | Next-day funding (reseller-dependent); instant transfer available | 1–2 business days standard; Instant Transfer available (1.75% fee) | Funding via integrated processor; timeline varies |
| Payment processing | Available — interchange-plus and custom programs | Included with package; custom quote | Varies by reseller and plan | Flat-rate, plan-based | Subscription plus processing fees |
| Merchant support | Yes — dedicated merchant support team | 24/7 advertised support | 24/7 advertised (direct) | Chat and email; phone limited | Phone, email, chat |
Core POS
Restaurant POS
- ONKORE-Supported
- Restaurant solution available (supported POS solutions)
- Toast
- Yes (restaurant-focused)
- Clover
- Yes (via apps)
- Square
- Yes (Square POS)
- Lightspeed
- Yes (Lightspeed Restaurant)
Retail POS
- ONKORE-Supported
- Retail solution available (supported POS solutions)
- Toast
- Not a primary focus
- Clover
- Yes (via apps)
- Square
- Yes (Square POS)
- Lightspeed
- Yes (Lightspeed Retail)
Restaurant Operations
Table service
- ONKORE-Supported
- Available through supported restaurant POS solutions
- Toast
- Yes (tableside ordering, floor management)
- Clover
- Available through apps
- Square
- Available
- Lightspeed
- Yes (restaurant POS)
Quick service
- ONKORE-Supported
- Available through supported restaurant POS solutions
- Toast
- Yes (QSR workflows)
- Clover
- Available through apps
- Square
- Available
- Lightspeed
- Yes (restaurant POS)
Menu management
- ONKORE-Supported
- Available through supported restaurant POS solutions
- Toast
- Yes (menus, modifiers, multi-location sync)
- Clover
- Available through apps
- Square
- Yes (Square POS menu)
- Lightspeed
- Yes
Kitchen workflows / KDS
- ONKORE-Supported
- Available through supported restaurant POS solutions
- Toast
- Yes (Toast KDS)
- Clover
- Available through apps/integrations
- Square
- Available (Square for Restaurants)
- Lightspeed
- Available through integrations
Online ordering
- ONKORE-Supported
- Supported restaurant POS setups can connect branded website and app orders with compatible POS systems; menu controls, pre-orders, pickup and delivery options vary by configuration.
- Toast
- Yes (Toast Online Ordering)
- Clover
- Clover online ordering and gateway
- Square
- Yes (Square Online)
- Lightspeed
- Yes (Lightspeed eCom)
Commerce & Engagement
Inventory
- ONKORE-Supported
- Available through supported POS solutions
- Toast
- Menu and inventory management built in
- Clover
- Available through apps
- Square
- Yes (built into Square POS)
- Lightspeed
- Yes (built in)
Loyalty
- ONKORE-Supported
- Available through supported POS solutions
- Toast
- Yes (Toast Loyalty)
- Clover
- Available through apps
- Square
- Yes (Square Loyalty)
- Lightspeed
- Available
Gift cards
- ONKORE-Supported
- Available through supported POS solutions
- Toast
- Yes (Toast Gift Cards)
- Clover
- Available through apps
- Square
- Yes (Square eGift cards)
- Lightspeed
- Available
Direct customer relationships
- ONKORE-Supported
- Supported direct ordering channels can help you retain customer relationships and access customer data. Confirm agreement, access, export rights and consent requirements.
- Toast
- Confirm direct-order customer-data access, marketing consent, portability and ownership terms with the provider.
- Clover
- Confirm direct-order customer-data access, marketing consent, portability and ownership terms with the provider.
- Square
- Confirm direct-order customer-data access, marketing consent, portability and ownership terms with the provider.
- Lightspeed
- Confirm direct-order customer-data access, marketing consent, portability and ownership terms with the provider.
Management
Employee management
- ONKORE-Supported
- Available through supported POS solutions
- Toast
- Yes (team management, scheduling, payroll)
- Clover
- Available (employee management tools)
- Square
- Yes (Square Team Management)
- Lightspeed
- Yes
Reporting
- ONKORE-Supported
- Available through supported POS solutions
- Toast
- Yes (restaurant reporting)
- Clover
- Yes (Clover dashboard)
- Square
- Yes (Square Dashboard)
- Lightspeed
- Yes (built in)
Multi-location
- ONKORE-Supported
- Available through supported POS solutions
- Toast
- Yes
- Clover
- Available
- Square
- Yes
- Lightspeed
- Yes
Hardware
Hardware options
- ONKORE-Supported
- Available — countertop, wireless, mobile, kiosk terminals
- Toast
- Toast POS, Go, Kiosk (Pay Now / Pay Later)
- Clover
- Station, Mini, Flex, Go
- Square
- Reader, Terminal, Register, Stand
- Lightspeed
- Lightspeed-supported hardware
Payments & Funding
Payment processing
- ONKORE-Supported
- Available — interchange-plus and custom programs
- Toast
- Included with package; custom quote
- Clover
- Varies by reseller and plan
- Square
- Flat-rate, plan-based
- Lightspeed
- Subscription plus processing fees
True Daily Funding
- ONKORE-Supported
- Available on supported processing programs; separate from eligible real-time payouts, which may operate on weekends and holidays. Confirm the approved program and receiving bank.
- Toast
- Instant Deposit available (1.75% fee); standard funding timeline varies
- Clover
- Next-day funding (reseller-dependent); instant transfer available
- Square
- 1–2 business days standard; Instant Transfer available (1.75% fee)
- Lightspeed
- Funding via integrated processor; timeline varies
Support
Merchant support
- ONKORE-Supported
- Yes — dedicated merchant support team
- Toast
- 24/7 advertised support
- Clover
- 24/7 advertised (direct)
- Square
- Chat and email; phone limited
- Lightspeed
- Phone, email, chat
ONKORE-supported POS options reflect capabilities available through supported POS solutions — including restaurant and retail platforms where the configuration and relationship permit. ONKORE provides processing, configuration, hardware, and merchant guidance around appropriate technology — it does not develop the underlying POS platforms. Availability is solution-dependent; contact ONKORE to confirm a configuration for your business. Competitor capabilities reflect publicly documented features as of the last-reviewed date.
Business fit & benefitsBusiness fit & ONKORE benefits
Best For
Different providers are designed for different business types. See which may align with your needs.
ONKORE
- Businesses seeking personalized service and transparent pricing
- Merchants comparing terminal and POS options
- Businesses with mixed in-person, online, or mobile acceptance
- Businesses that value True Daily Funding availability on supported programs
- Businesses that value processing flexibility without a long-term ONKORE processing contract
Square
- Fast self-serve signup with no long-term contract
- Transparent, published flat-rate pricing across Free, Plus, and Premium plans
- Integrated POS, online store, invoicing, and mobile tools in one ecosystem
Clover
- Wide range of POS hardware (Station, Mini, Flex, Go)
- Clover App Market for business extensions and integrations
- Available through multiple channels (direct, bank, processor, reseller)
Toast
- Restaurants and hospitality operators
- Cafés, bars, and food trucks
- Multi-location food-service businesses
Stripe
- Developer-friendly API with extensive documentation and pre-built UIs (Checkout, Elements)
- No long-term contracts with self-serve setup and no monthly fees on standard pricing
- Broad payment-method support including international cards, ACH, Klarna, and stablecoins
Lightspeed
- Cloud-based POS for multi-location retail and restaurant businesses
- Deep inventory, product/catalog, and reporting tools
- Integrated e-commerce (Lightspeed eCom)
Adyen
- Enterprise and multinational payment operations
- Unified online and in-person commerce
- Developer APIs and sophisticated integrations
The best fit depends on your transaction volume, average ticket, payment methods, industry, equipment, and support needs.
Why ONKORE Stands Apart
What sets ONKORE apart in a crowded payments landscape.
Transparent Approach
Clear explanations around payment processing and pricing — no black boxes, no surprises.
Solutions Built Around Your Business
Payment and technology recommendations based on your operational requirements, not a one-size-fits-all package.
Advanced Online Payment Capabilities3DS SUPPORT AVAILABLE
Supported gateway configurations can include APIs, tokenization, recurring payments, and 3D Secure (3DS) authentication for eligible online transactions.
True Daily Funding
True Daily Funding is available on supported ONKORE processing programs for eligible merchants. Contact ONKORE for eligibility and availability.
Real Support
Accessible merchant-focused guidance before and after implementation.
Merchant Education
Resources that help businesses understand payments instead of treating processing as a mystery.
No Long-Term Contract
No long-term ONKORE processing contract on supported programs, giving merchants greater flexibility without being locked into a multi-year processing commitment.
Payment technologyCompare payment technology
Technology & Flexibility
ONKORE supports multiple payment methods, hardware options, and integrations. Compare these capabilities with what other providers offer.
In-Person Payments
Countertop, wireless, and mobile terminals for secure card-present transactions.
Online Payments
Payment gateway with developer-friendly API for e-commerce integration.
Mobile Payments
Mobile readers for on-the-go acceptance and field operations.
Virtual Terminal
Browser-based virtual terminal for keyed-in and MOTO transactions.
POS Options
Multiple POS options by industry — retail, restaurant, and more.
Integrations
Integrations with major e-commerce, accounting, and business platforms.
Hardware Flexibility
Countertop, wireless, mobile, and kiosk terminals — purchased or financed.
Dedicated Support
Merchant support team for onboarding, equipment, and ongoing needs.
Competitor capabilities vary by provider, plan, and sales channel. Review each provider's current offerings or talk to ONKORE for a personalized assessment.
Gateway capabilitiesGateway capabilities: online payments, APIs & security
Gateway & API Capabilities
ONKORE can help businesses implement online payment and gateway solutions based on their processing, integration, security, and operational requirements. The comparison below shows ONKORE-supported gateway options alongside Stripe as a genuine external comparison.
| Capability | ONKORE-Supported Gateway OptionsRecommended |  |
|---|---|---|
| Payment API | Available through supported gateway configurations | Yes |
| Hosted payment option | Available through supported gateway configurations | Yes (Checkout, Elements, Payment Links) |
| Tokenization | Available through supported gateway configurations | Yes |
| Recurring payments | Available through supported gateway configurations | Yes (Billing) |
| Virtual terminal | Available | Not a primary feature |
| 3D Secure / 3DS2 | Available through supported gateway configurations (3DS2 where supported)3DS — Supported Configurations | Yes |
| Fraud tools | Available through supported gateway configurations | Yes (Radar) |
| In-person capability | Available | Yes (Terminal) |
| Omnichannel | Available | Yes |
| Processor flexibility | Yes — multi-processor guidance and selection | Configuration dependent |
| Merchant support | Yes — dedicated merchant support team | Email and chat; priority on higher plans |
Payments & API
Payment API
- ONKORE-Supported
- Available through supported gateway configurations
- Stripe
- Yes
Hosted payment option
- ONKORE-Supported
- Available through supported gateway configurations
- Stripe
- Yes (Checkout, Elements, Payment Links)
Tokenization
- ONKORE-Supported
- Available through supported gateway configurations
- Stripe
- Yes
Recurring payments
- ONKORE-Supported
- Available through supported gateway configurations
- Stripe
- Yes (Billing)
Security & Fraud
3D Secure / 3DS2
- ONKORE-Supported3DS — Supported
- Available through supported gateway configurations (3DS2 where supported)
- Stripe
- Yes
Fraud tools
- ONKORE-Supported
- Available through supported gateway configurations
- Stripe
- Yes (Radar)
Acceptance
Virtual terminal
- ONKORE-Supported
- Available
- Stripe
- Not a primary feature
In-person capability
- ONKORE-Supported
- Available
- Stripe
- Yes (Terminal)
Omnichannel
- ONKORE-Supported
- Available
- Stripe
- Yes
Relationship
Processor flexibility
- ONKORE-Supported
- Yes — multi-processor guidance and selection
- Stripe
- Configuration dependent
Merchant support
- ONKORE-Supported
- Yes — dedicated merchant support team
- Stripe
- Email and chat; priority on higher plans
ONKORE-supported gateway options reflect capabilities available through supported gateway configurations — which may include technologies such as Authorize.net, NMI, or Elavon Converge where the relationship, processor, and configuration permit. ONKORE does not manufacture these gateways and they are not presented as ONKORE competitors. Availability depends on merchant configuration, processing relationship, and integration requirements. Stripe is presented as a genuine external comparison. Verify current capabilities directly with each provider or contact ONKORE for a personalized assessment.
3D Secure (3DS) Authentication
3D Secure authentication adds an additional cardholder-authentication layer to eligible online card transactions and may be available through supported ONKORE gateway configurations. It does not eliminate fraud or chargebacks, does not guarantee a liability shift, approval, or that authentication applies to every transaction, and is not available through every configuration. Any liability-shift behavior is network- and configuration-specific — contact ONKORE to confirm what applies to your setup.
Questions to discuss with ONKORE for online payments
- • Do you need 3D Secure authentication for eligible online card transactions?
- • Do you require tokenization or recurring billing?
- • Do you need a hosted checkout page or a direct API integration?
- • Which fraud controls and processor/gateway relationships fit your risk profile?
3D Secure (3DS) Authentication
Additional cardholder authentication for eligible online card transactions through supported ONKORE gateway configurations.
3D Secure authentication adds an additional cardholder-authentication layer to eligible online card transactions and may be available through supported ONKORE gateway configurations. It does not eliminate fraud or chargebacks, does not guarantee a liability shift, approval, or that authentication applies to every transaction, and is not available through every configuration. Any liability-shift behavior is network- and configuration-specific — contact ONKORE to confirm what applies to your setup.
- • Do you need 3D Secure authentication for eligible online card transactions?
- • Do you require tokenization or recurring billing?
- • Do you need a hosted checkout page or a direct API integration?
- • Which fraud controls and processor/gateway relationships fit your risk profile?
How switching works
Your Switching Journey
From comparing options to making the switch — a step-by-step path to finding the right payment solution.
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How we compare providers
How We Compare Providers
These comparisons help merchants evaluate pricing structure, technology, payment capabilities, support, and business fit using publicly available provider information. Features and pricing may change — merchants should verify current provider terms before making a decision.
- Official provider sources prioritized
- Information reviewed periodically
- Recommendations are based on individual merchant needs
Comparisons are provided for general informational purposes. Pricing, products, features, eligibility, and terms may change. Verify current details directly with each provider.
Comparisons use publicly available information from official provider websites and pricing pages.
Official provider sources should be prioritized when verifying pricing and feature details.
Information is reviewed periodically, but competitor pricing and terms can change at any time.
Pricing may depend on plan, region, volume, hardware, reseller, and eligibility factors.
ONKORE's recommendations are based on individual merchant needs and are not universal.
Inclusion of a provider does not imply partnership, endorsement, or affiliation.
Comparisons are provided for general informational purposes. Pricing, products, features, eligibility, and terms may change. Verify current details directly with each provider.
Comparisons use publicly available information from official provider websites and pricing pages.
Official provider sources should be prioritized when verifying pricing and feature details.
Information is reviewed periodically, but competitor pricing and terms can change at any time.
Pricing may depend on plan, region, volume, hardware, reseller, and eligibility factors.
ONKORE's recommendations are based on individual merchant needs and are not universal.
Inclusion of a provider does not imply partnership, endorsement, or affiliation.
Comparison FAQs
Frequently Asked Questions
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