ONKORE vs Lightspeed
Compare Lightspeed with ONKORE on payment costs, technology and support. Get a statement review to find the right setup for your business.
Provider background
Lightspeed is a cloud-based POS platform strong in retail and restaurant operations, inventory, and multi-location management. ONKORE helps merchants compare Lightspeed's subscription-plus-processing model against supported POS and processing configurations tailored to the business — with No Contract processing and True Daily Funding where eligible.
True Daily Funding
Available on supported processing programs.
No Contract
No long-term ONKORE processing contract on supported programs.
POS Solution Choice
Restaurant, retail, and other supported POS configurations.
3DS Authentication
Available through supported gateway configurations.
Dedicated Support
Merchant-focused ONKORE guidance and support.
ONKORE may be a strong fit for businesses seeking:
- Personalized payment consultations
- Pricing based on the merchant's business profile
- POS and terminal options
- In-person and online payment solutions
- Virtual-terminal capabilities
- Dedicated merchant support
- Statement reviews
- Industry-specific recommendations
- Processing flexibility without a long-term ONKORE processing contract
More business-fit details
- POS and terminal options
- In-person and online payment solutions
- Virtual-terminal capabilities
- Dedicated merchant support
- Statement reviews
- Industry-specific recommendations
- Processing flexibility without a long-term ONKORE processing contract
Lightspeed may be a strong fit for businesses seeking:
- Cloud-based POS for multi-location retail and restaurant businesses
- Deep inventory, product/catalog, and reporting tools
- Integrated e-commerce (Lightspeed eCom)
- Industry-specific POS for retail and restaurant
- Lightspeed Payments at 2.6% + $0.10 (retail)
- Phone, email, and chat support
More business-fit details
- Integrated e-commerce (Lightspeed eCom)
- Industry-specific POS for retail and restaurant
- Lightspeed Payments at 2.6% + $0.10 (retail)
- Phone, email, and chat support
The best provider depends on transaction volume, average ticket, payment method, industry, equipment, support needs, and account eligibility.
ONKORE vs Lightspeed: Feature Comparison
Last verified: 2026-08-27Pricing, features, hardware, promotions, and service terms may change. Confirm current information directly with the provider before making a decision.
| Feature | ONKORERecommended | Lightspeed | What to consider |
|---|---|---|---|
| Primary target customer | Businesses seeking personalized payment processing and POS solutions. | Retail and restaurant businesses, often multi-location. | Compare which business types each provider is designed for. |
| Best-fit business types | Businesses seeking personalized service and transparent pricing. | Retail and restaurant businesses, especially multi-location. | Consider whether the provider's strengths align with your business model. |
| Pricing & Commercial Model | |||
| Pricing model | Interchange-plus and custom programs based on merchant eligibility. | Subscription plus payment processing; Lightspeed Payments rate 2.6% + $0.10 (retail). | Compare whether pricing is flat-rate, interchange-plus, or custom. Ask for the effective rate on your actual transaction mix. |
| Published transaction pricing | Customized quote — contact ONKORE for a personalized rate. | Retail plans: Basic $89/mo, Core $149/mo, Plus $289/mo; Lightspeed Payments 2.6% + $0.10. Restaurant plans: Starter $79/mo, Essential $179/mo, Premium $359/mo (add-ons priced separately). Confirm current rates directly with Lightspeed. | Review the published rates but confirm they apply to your specific plan and payment mix. |
| Customized pricing availability | Yes — pricing tailored to merchant profile. | Available for multi-location and higher-volume businesses. | Determine whether pricing is tailored to your volume, ticket size, and industry. |
| Monthly software cost | Depends on selected processing platform — contact ONKORE for details. | Subscription required; retail $89–$289/mo, restaurant $79–$359/mo by plan. | Check whether a software subscription is required and what it includes. |
| Setup or implementation cost | Based on merchant eligibility and selected platform. | Guided onboarding. | Evaluate whether onboarding is self-serve or guided by a specialist. |
| Hardware cost | Countertop, wireless, mobile, and kiosk terminals available — contact ONKORE for details. | Lightspeed-supported hardware — separate charges apply. | Compare terminal types, connectivity options, and whether hardware is purchased or leased. |
| Payments & Funding | |||
| In-person payments | Available where supported — countertop, wireless, mobile terminals. | Lightspeed POS hardware. | Check terminal types, connectivity options, and whether hardware is purchased or leased. |
| Funding options | Eligible real-time payouts can be available 24/7, including weekends and holidays, on supported programs with participating receiving banks. Approval, limits, fees and risk-review conditions apply. True Daily Funding and next-business-day settlement are separate options; confirm your approved schedule. | 1–2 business days (varies). | Compare settlement schedule, eligibility, availability, cutoff times, and any applicable fees rather than relying only on labels such as daily, next-day, or instant funding. |
| Virtual terminal | Browser-based virtual terminal available where supported. | Available. | Determine whether keyed-in transactions and MOTO processing are supported. |
| Payment links | Branded payment links available. | Available. | Check whether branded checkout pages and QR codes are available. |
| Recurring billing | Subscription billing with automated dunning available where supported. | Available through integrations. | Compare dunning management, proration, and customer self-service options. |
| Invoicing | Email invoicing with pay-by-link available where supported. | Available. | Evaluate whether invoicing is built-in or requires a third-party integration. |
| Online Payments & Security | |||
| Online payments | Payment gateway with developer-friendly API; 3D Secure (3DS) authentication available through supported gateway configurations. | Lightspeed eCom. | Consider gateway features, API quality, and checkout customization options. |
| 3D Secure / 3DS Authentication | 3D Secure / 3DS2 cardholder authentication for eligible online payments through supported gateways. Availability and any liability shift depend on the transaction and configuration; not guaranteed fraud or chargeback protection. | Verify current 3DS availability with Lightspeed for your integration. | 3DS adds an additional cardholder-authentication layer for eligible online transactions. Availability and implementation vary by gateway and configuration. |
| Integrations | Integrations with major platforms — contact ONKORE for details. | Lightspeed eCom platform and third-party integrations. | Check compatibility with your e-commerce platform, CMS, or accounting tools. |
| Chargeback tools | Chargeback management and dispute support available. | Dispute management. | Compare dispute management tools and chargeback response support. |
| PCI-related fees | Contact ONKORE for PCI program details. | Varies. | Ask whether PCI compliance fees are included or charged separately. |
| POS & Operations | |||
| POS capabilities | Multiple POS options by industry — restaurant, retail, and other supported configurations; contact ONKORE for details. | Lightspeed POS (retail and restaurant). | Consider industry-specific POS features, inventory, and reporting. |
| Inventory | Depends on selected ONKORE POS solution — contact for details. | Inventory and product/catalog management built in. | Compare inventory management depth and real-time tracking. |
| Employee management | Depends on selected ONKORE POS solution — contact for details. | Employee management available. | Evaluate team management, scheduling, and payroll features. |
| Reporting | Reporting tools available — contact ONKORE for details. | Reporting and analytics built in. | Compare reporting and analytics depth across providers. |
| Relationship & Contract | |||
| Customer support | Dedicated merchant support team. | Phone, email, chat. | Compare hours, channels (phone/email/chat), and whether you get a dedicated rep. |
| Processing Contract | No long-term processing contract on supported ONKORE programs. | Subscription-based; contract terms vary by plan. | Compare whether a long-term processing contract is required and whether terms vary by provider, reseller, plan, or hardware arrangement. |
| Contract requirements | Contact ONKORE for current contract terms. | Varies by plan; subscription required. | Review contract length, auto-renewal clauses, and equipment lease terms. |
| Early termination provisions | Contact ONKORE for current terms. | Varies; confirm current terms. | Check for cancellation fees and equipment lease buyouts. |
| Industry restrictions | Wide industry coverage — contact to confirm eligibility. | Retail, restaurants, golf. | Confirm the provider supports your specific industry and business type. |
| Important limitations | ONKORE capabilities depend on selected processing platform. Confirm with an ONKORE payment specialist. | Subscription required; pricing varies by plan and add-ons. | Review key limitations and restrictions that may affect your decision. |
Quick comparison
Start with pricing, contract terms and funding. Expand for every feature.
Pricing model
- ONKORE
- Interchange-plus and custom programs based on merchant eligibility.
- Lightspeed
- Subscription plus payment processing; Lightspeed Payments rate 2.6% + $0.10 (retail).
Processing Contract
- ONKORE
- No long-term processing contract on supported ONKORE programs.
- Lightspeed
- Subscription-based; contract terms vary by plan.
Funding options
- ONKORE
- Eligible real-time payouts can be available 24/7, including weekends and holidays, on supported programs with participating receiving banks. Approval, limits, fees and risk-review conditions apply. True Daily Funding and next-business-day settlement are separate options; confirm your approved schedule.
- Lightspeed
- 1–2 business days (varies).
3D Secure / 3DS Authentication
- ONKORE
- 3D Secure / 3DS2 cardholder authentication for eligible online payments through supported gateways. Availability and any liability shift depend on the transaction and configuration; not guaranteed fraud or chargeback protection.
- Lightspeed
- Verify current 3DS availability with Lightspeed for your integration.
Full feature comparison (25 more)
Primary target customer
- ONKORE
- Businesses seeking personalized payment processing and POS solutions.
- Lightspeed
- Retail and restaurant businesses, often multi-location.
Best-fit business types
- ONKORE
- Businesses seeking personalized service and transparent pricing.
- Lightspeed
- Retail and restaurant businesses, especially multi-location.
Pricing & Commercial Model
Published transaction pricing
- ONKORE
- Customized quote — contact ONKORE for a personalized rate.
- Lightspeed
- Retail plans: Basic $89/mo, Core $149/mo, Plus $289/mo; Lightspeed Payments 2.6% + $0.10. Restaurant plans: Starter $79/mo, Essential $179/mo, Premium $359/mo (add-ons priced separately). Confirm current rates directly with Lightspeed.
Customized pricing availability
- ONKORE
- Yes — pricing tailored to merchant profile.
- Lightspeed
- Available for multi-location and higher-volume businesses.
Monthly software cost
- ONKORE
- Depends on selected processing platform — contact ONKORE for details.
- Lightspeed
- Subscription required; retail $89–$289/mo, restaurant $79–$359/mo by plan.
Setup or implementation cost
- ONKORE
- Based on merchant eligibility and selected platform.
- Lightspeed
- Guided onboarding.
Hardware cost
- ONKORE
- Countertop, wireless, mobile, and kiosk terminals available — contact ONKORE for details.
- Lightspeed
- Lightspeed-supported hardware — separate charges apply.
Payments & Funding
In-person payments
- ONKORE
- Available where supported — countertop, wireless, mobile terminals.
- Lightspeed
- Lightspeed POS hardware.
Virtual terminal
- ONKORE
- Browser-based virtual terminal available where supported.
- Lightspeed
- Available.
Payment links
- ONKORE
- Branded payment links available.
- Lightspeed
- Available.
Recurring billing
- ONKORE
- Subscription billing with automated dunning available where supported.
- Lightspeed
- Available through integrations.
Invoicing
- ONKORE
- Email invoicing with pay-by-link available where supported.
- Lightspeed
- Available.
Online Payments & Security
Online payments
- ONKORE
- Payment gateway with developer-friendly API; 3D Secure (3DS) authentication available through supported gateway configurations.
- Lightspeed
- Lightspeed eCom.
Integrations
- ONKORE
- Integrations with major platforms — contact ONKORE for details.
- Lightspeed
- Lightspeed eCom platform and third-party integrations.
Chargeback tools
- ONKORE
- Chargeback management and dispute support available.
- Lightspeed
- Dispute management.
PCI-related fees
- ONKORE
- Contact ONKORE for PCI program details.
- Lightspeed
- Varies.
POS & Operations
POS capabilities
- ONKORE
- Multiple POS options by industry — restaurant, retail, and other supported configurations; contact ONKORE for details.
- Lightspeed
- Lightspeed POS (retail and restaurant).
Inventory
- ONKORE
- Depends on selected ONKORE POS solution — contact for details.
- Lightspeed
- Inventory and product/catalog management built in.
Employee management
- ONKORE
- Depends on selected ONKORE POS solution — contact for details.
- Lightspeed
- Employee management available.
Reporting
- ONKORE
- Reporting tools available — contact ONKORE for details.
- Lightspeed
- Reporting and analytics built in.
Relationship & Contract
Customer support
- ONKORE
- Dedicated merchant support team.
- Lightspeed
- Phone, email, chat.
Contract requirements
- ONKORE
- Contact ONKORE for current contract terms.
- Lightspeed
- Varies by plan; subscription required.
Early termination provisions
- ONKORE
- Contact ONKORE for current terms.
- Lightspeed
- Varies; confirm current terms.
Industry restrictions
- ONKORE
- Wide industry coverage — contact to confirm eligibility.
- Lightspeed
- Retail, restaurants, golf.
Important limitations
- ONKORE
- ONKORE capabilities depend on selected processing platform. Confirm with an ONKORE payment specialist.
- Lightspeed
- Subscription required; pricing varies by plan and add-ons.
Retail & Multi-Location Operations
Compare Lightspeed's retail and restaurant operational depth against ONKORE-supported POS options. ONKORE can configure supported retail or restaurant POS solutions around the business — ONKORE does not develop Lightspeed or any third-party POS.
| Capability | ONKORERecommended | Lightspeed |
|---|---|---|
| Retail POS | Retail solution available through supported POS solutions. | Lightspeed Retail (Basic/Core/Plus). |
| Restaurant POS | Restaurant solution available through supported POS solutions. | Lightspeed Restaurant (Starter/Essential/Premium). |
| Inventory & catalog | Available through supported POS solutions — contact ONKORE. | Inventory and product/catalog management built in. |
| Multi-location | Available through supported POS solutions. | Multi-location management built in. |
| E-commerce | Online payments through supported gateway configurations. | Lightspeed eCom integrated. |
| Pricing | Interchange-plus and custom programs based on merchant profile. | Subscription $79–$289/mo + 2.6% + $0.10 payments. |
| Funding | Eligible real-time payouts, including weekends and holidays, on supported programs and receiving banks. Conditions and fees may apply; confirm eligibility. | 1–2 business days (varies). |
| Support | Dedicated merchant support team. | Phone, email, chat. |
Retail POS
ONKORE
Retail solution available through supported POS solutions.
Lightspeed
Lightspeed Retail (Basic/Core/Plus).
Restaurant POS
ONKORE
Restaurant solution available through supported POS solutions.
Lightspeed
Lightspeed Restaurant (Starter/Essential/Premium).
Inventory & catalog
ONKORE
Available through supported POS solutions — contact ONKORE.
Lightspeed
Inventory and product/catalog management built in.
Multi-location
ONKORE
Available through supported POS solutions.
Lightspeed
Multi-location management built in.
E-commerce
ONKORE
Online payments through supported gateway configurations.
Lightspeed
Lightspeed eCom integrated.
Pricing
ONKORE
Interchange-plus and custom programs based on merchant profile.
Lightspeed
Subscription $79–$289/mo + 2.6% + $0.10 payments.
Funding
ONKORE
Eligible real-time payouts, including weekends and holidays, on supported programs and receiving banks. Conditions and fees may apply; confirm eligibility.
Lightspeed
1–2 business days (varies).
Support
ONKORE
Dedicated merchant support team.
Lightspeed
Phone, email, chat.
Capabilities vary by selected ONKORE-supported solution and configuration. ONKORE does not develop third-party POS or gateway technology.
Sources and methodology
Competitor information is based on publicly available official United States websites. Pricing, features, hardware, promotions, and service terms may change. Confirm current information directly with the provider before making a decision.
Last verified: 2026-08-27
Lightspeed
Retail POS Pricing
Date reviewed: 2026-08-27
Lightspeed
Restaurant POS Pricing
Date reviewed: 2026-08-27
Competitor names, trademarks, products, and services belong to their respective owners. ONKORE Payment Solutions is not affiliated with or endorsed by Square, Stripe, Clover, or Toast unless expressly stated. Comparison information is provided for general educational purposes and may change. Verify current pricing, features, eligibility, hardware, and contractual terms directly with each provider.
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.
Related Comparisons
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