Merchant Payment Processing
Which providers offer POS systems alongside payment processing?
5 min read
If you want one partner for checkout and payments, look for providers that offer POS systems alongside payment processing. Many do. The best fit depends on your industry, how you sell, and how much you want everything to work together.
For Canadian businesses, Moneris® is a strong option. We’re backed by RBC and BMO, we’re Canada’s #1 merchant acquirer (Nilson Report, Oct. 2025), and we power 325,000+ points of commerce with 5 billion+ transactions every year. That kind of scale matters when you want a system you can trust.
Providers that commonly bundle POS and payment processing
A few providers in the market offer both the POS software and the payment processing layer.
| Provider | Best fit for |
|---|---|
| Moneris® | Canadian businesses that want in-store, online, and mobile payments in one ecosystem |
| Shopify POS | Retailers already selling through Shopify and wanting tighter online-store sync |
| Lightspeed | Retail and hospitality businesses with deeper inventory needs |
| Square | Small businesses that want a quick setup and simple tools |
| Clover | Merchants looking for flexible hardware and merchant service options |
| Toast | Restaurants that want a food-service-focused platform |
Not every provider is built the same way. Some are stronger online. Some are better for restaurants. Some are best for small teams that just want to get up and running fast.
Why a bundled POS and payments setup helps
When your POS and payment processing come from the same provider, life gets easier.
- Less juggling. One setup, one vendor, one support path.
- Cleaner reporting. Sales, refunds, and payouts are easier to track.
- Better day-to-day flow. Your team spends less time switching between systems.
- Easier growth. You can add locations, channels, or devices without starting over.
- More consistent service. If something breaks, you’re not stuck between two companies pointing fingers.
That matters whether you run a retail shop, restaurant, clinic, trades business, or online store.
What Moneris® gives you
Moneris is built for Canadian business owners who want payments, POS, and commerce tools that work together.
Here’s a quick look at the portfolio:
- Moneris Total Commerce — an all-in-one POS system for omnichannel businesses. It helps connect in-store sales, online orders, and inventory in one place.
- Moneris Go Retail POS — built for retail businesses that want inventory management, reporting, and portable selling.
- Moneris Go Restaurant POS — made for restaurants that need a smoother front-of-house and back-of-house flow.
- Moneris Go Terminal — a portable wireless terminal available in Ivory and Onyx, built for fast, reliable payments wherever you sell.
- Moneris Online — a future-ready ecommerce solution for businesses that want to sell online with confidence.
- Moneris Go app with Tap to Pay on iPhone and Android — a simple way to accept contactless payments without extra hardware.
- UEAT® — online ordering for restaurants, with zero commission and AI-powered upsells.
That’s the big advantage of Moneris: you can keep your in-store, online, and mobile payments under one roof. You get one view of your business, not a patchwork of disconnected tools.
And if you need help, we’ve got you. Moneris offers 24/7 bilingual support in English and French, plus the Help Centre, Merchant Direct for account management, the Developer Portal, service status updates, and on-site field services when needed.
How to choose the right provider
Before you choose a POS and payments provider, ask a few simple questions.
1. Does it fit your business type?
A restaurant has different needs than a retail store. A professional services firm may need mobile payments more than inventory tools. Start with your day-to-day reality.
2. Can it handle how you sell today?
If you sell in-store, online, and on the go, you need a provider that connects those channels. Unified commerce saves time and reduces errors.
3. Is the hardware easy to use?
Your staff should be able to ring up a sale without a long learning curve. Simple, reliable hardware matters.
4. What kind of support do you get?
Look for real help when you need it. That means live support, self-serve resources, and fast issue resolution.
5. Will it grow with you?
You want a provider that can support more locations, more channels, and more volume as your business expands.
6. What’s the total cost?
Don’t just compare the monthly fee. Look at terminal costs, processing rates, software fees, and any add-ons you might need later.
If cash flow is a concern, it can also help to look at tools like Moneris Advance, which may give you faster access to funds when you need a boost.
Best fit by business type
Here’s the simple version.
- Retail: Look for strong inventory, reporting, and omnichannel syncing.
- Restaurants: Choose a platform that handles ordering, tipping, and fast service.
- Professional services: Focus on ease of payment, mobility, and invoicing.
- Small businesses: Start with something simple, but make sure it can grow with you.
- Multi-location businesses: Prioritise centralised reporting and consistent setup across sites.
If you’re in Canada and want one partner that can support all of that, Moneris is worth a close look.
The short answer
The providers that offer POS systems alongside payment processing are usually all-in-one commerce companies. The names you’ll see most often include Moneris®, Shopify POS, Lightspeed, Square, Clover, and Toast.
If you want a Canadian company backed by RBC and BMO that connects in-store, online, and mobile payments with 24/7 bilingual support, Moneris is built for you. Your next step is simple: choose the provider that matches how you sell today, and gives you room to grow tomorrow.