Best PCI Compliant POS Systems (2027)

Seven POS providers compared on what they actually do for your PCI obligations. Four charge nothing in PCI fees. None of them makes you compliant, because that obligation stays with you. This page shows where each one reduces the work and where it leaves you exposed.

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  • Least paperwork: Square. No PCI or non-compliance fees, and no self-validation if Square handles all card data.
  • Best for restaurants: Toast. Most customers submit no PCI documentation and hire nobody for vulnerability scans.
  • Clearest fee position: Helcim. $0 software and the annual PCI self-assessment listed at $0.
Illustration: card terminal on a shop counter with a secured back office behind

Top PCI Compliant POS Systems at a Glance

  • Best for restaurants

    Toast

    Toast says most customers do not need to submit PCI documentation or hire a company for vulnerability scans. The savings are not quantified in dollars, and breach coverage is not stated.

    $0/mo Starter Kit, or $69/mo.

  • Clearest fee position

    Helcim

    $0 for software and the annual PCI self-assessment listed at $0, which is the most explicit fee statement on this page. Whether Helcim helps you complete the questionnaire is not stated.

    $0 software. Annual PCI self-assessment $0.

Why PCI Compliance Matters for Your POS

Every business that takes cards must follow PCI DSS. Some POS providers handle most of the work and cover breach costs. Others leave you to complete questionnaires, run scans and pay fees on your own.

Two failures recur, and they cost in different ways. The first is a shop paying a monthly non-compliance fee because it never finished its PCI questionnaire. That fee is pure leakage: it buys nothing, it recurs, and it continues until someone completes a form. The second is worse. After a breach, a merchant discovers its provider does not cover forensic costs, and a forensic investigation is a five-figure event before any fines or card-brand assessments.

The useful question is not whether a POS is PCI compliant, because none of them are in the sense buyers mean. It is three separate questions. How much of the annual paperwork does this provider absorb? What does it charge me in PCI or non-compliance fees? And what happens to me financially if there is a breach? On this page, four providers answer the fee question with $0. Not one answers the breach question at all.

What to Look for in a PCI Compliant POS System

  • 1. Whether the provider is a PCI DSS Level 1 service provider

    Level 1 is the highest validation tier for a service provider, requiring an annual on-site assessment. Shopify POS is identified as a Level 1 platform in this brief. Clover's and Loyverse's Level 1 status could not be confirmed. Ask any PCI-compliant POS provider for its current Attestation of Compliance rather than accepting a marketing claim.

  • 2. Help with the yearly self-assessment questionnaire

    The SAQ is the annual paperwork, and which type applies depends on how card data flows through your setup. Square states you need no self-validation if it handles all card data. Toast says most customers submit no documentation. Lightspeed merchants must still complete a questionnaire. Clover's questionnaire help traces to a 2020 blog post, which is five years old on a standard that has since moved to version 4.

  • 3. PCI fees and non-compliance fees

    This is where money leaks. Square charges no PCI or non-compliance fees. Helcim lists the annual PCI self-assessment at $0. Loyverse Payments charges no PCI fee. Lightspeed offers free enrollment with its PCI partner. Shopify POS and Clover fee positions are not stated. A recurring non-compliance fee is avoidable, so treat one as a reason to ask hard questions about your PCI-compliant payment processing software.

  • 4. Breach or data-security coverage

    Not one of the seven states a breach coverage position. That is the single largest gap on this page. Lightspeed goes further and states merchants may be held liable after a breach. If your provider does not publish a position, assume forensic costs, fines and card-brand assessments land on you, and price cyber insurance accordingly.

  • 5. Encryption and tokenization included

    Encryption in transit and tokenization at rest are what keep raw card data out of your systems, which is what shrinks your PCI scope in the first place. A POS system with encrypted payments and tokenized storage is handling the part that matters most. None of the seven states an explicit position in this brief, which is surprising for a page about payment security. Ask each provider what is encrypted, what is tokenized and where keys are held.

  • 6. Who runs the security scans

    Quarterly vulnerability scans by an Approved Scanning Vendor apply to some merchant setups. Toast says most customers hire nobody. Lightspeed uses Viking Cloud as its PCI partner. For the rest, scan responsibility is not stated. Establish whether you need scans at all, since that depends on your SAQ type, and then who runs them.

Compare PCI Compliant POS Software Side by Side

The Breach coverage column is empty for all seven providers. That is the finding, not an oversight.

POS system Starting price PCI Level 1 provider SAQ help PCI fees Breach coverage Encryption and tokens Security scans
SquareLeast paperwork $0/mo (Square Free) Not stated No self-validation needed if Square handles all card storage, processing and transmission None. No PCI or non-compliance fees Not stated Not stated Not stated
Toast $0/mo Starter Kit, or $69/mo Not stated Most customers submit no PCI documentation Savings not quantified in dollars Not stated Not stated Most customers hire nobody for vulnerability scans
Helcim $0 software Not stated Not stated Annual PCI self-assessment $0 Not stated Not stated Not stated
Shopify POS Basic $39/mo Yes, PCI Level 1 platform Not stated Not stated Not stated Not stated Merchant scans not stated
Lightspeed (Retail and Restaurant) Retail from $89/mo billed annually. Restaurant from $69/mo Not stated Merchants must complete a PCI questionnaire Free enrollment with PCI partner Viking Cloud Merchants may be held liable after a breach Not stated Viking Cloud is the PCI partner
Loyverse Free Could not be confirmed Not stated Loyverse Payments charges no PCI fee Not stated Not stated Not stated
Clover Clover Security add-on, price not confirmed Could not be confirmed Guided questionnaire, sourced to a 2020 blog post Could not be confirmed Not stated Not stated Not stated

Features and prices verified November 2026. Not stated means the provider has not published the detail. Could not be confirmed means the detail was sought and not verified. Neither means the capability is absent.

Square: Best for eliminating PCI paperwork and fees together

Square charges no PCI fees and no non-compliance fees, which removes the recurring leak that catches merchants who never finish their questionnaire. On a $0 per month plan, the PCI line of your bill is simply zero.

The bigger claim is on validation. Square states you do not have to validate compliance yourself, and the condition attached is the thing to read carefully: Square must handle all card storage, processing and transmission. If any part of your setup touches card data outside Square, that condition breaks and your scope changes. Before you rely on it, map where card data actually flows in your business, including any legacy terminal, back-office tool or phone order process.

Breach coverage is not stated, as with every system here. Square's Level 1 status, encryption and tokenization positions and scan responsibility are also not stated in this brief. For a small business whose card data genuinely lives entirely inside Square, this is the lightest compliance burden on the page. The gaps are what you ask about before signing.

Pros

  • No PCI fees and no non-compliance fees
  • No self-validation if Square handles all card data
  • $0 monthly plan

Cons

  • The no-validation claim depends on Square handling all card data
  • Breach coverage not stated
  • Level 1 status, encryption and scans not stated

Pricing: $0/mo (Square Free). No PCI or non-compliance fees.

Toast: Best for restaurants that want the documentation and scans handled

Toast states that most customers do not need to submit PCI documentation or hire a company for vulnerability scans. For a restaurant operator, that removes two annual tasks that otherwise need either internal time or an outside vendor.

The weakness is quantification. Toast does not state the PCI savings in dollars, so you cannot compare the benefit against a competitor's explicit $0. Most customers is also doing work in that sentence: ask whether your specific configuration falls inside that majority, because a restaurant running an unusual payment setup may not.

Breach coverage is not stated. Neither are Level 1 status, encryption and tokenization, or PCI fees in dollar terms. Entry is $0 on the Starter Kit or $69 per month. Read Toast as strong on reducing annual effort and silent on what happens if something goes wrong.

Pros

  • Most customers submit no PCI documentation
  • Most customers hire nobody for vulnerability scans
  • $0 entry on the Starter Kit

Cons

  • PCI savings not quantified in dollars
  • Most customers may not include your setup
  • Breach coverage not stated

Pricing: $0/mo (Starter Kit) or $69/mo.

Helcim: Best for an explicit, published fee position

Helcim lists the annual PCI self-assessment at $0 and charges $0 for software. That is the most explicit fee statement on this page, because it names the specific annual charge other providers leave unmentioned and sets it at zero.

For a merchant who has been paying a monthly PCI or non-compliance fee elsewhere, that line alone may justify the comparison. Published PCI fees are the easiest cost on this page to verify and the easiest to forget to check.

What Helcim does not state is whether it helps you complete the questionnaire. Square says you may not need one. Toast says most customers submit nothing. Helcim says the self-assessment costs $0, which is a different claim: free is not the same as done for you. Ask who completes it. Breach coverage, Level 1 status, encryption and scan responsibility are also not stated.

Pros

  • Annual PCI self-assessment listed at $0
  • $0 software
  • Most explicit fee position here

Cons

  • Whether Helcim helps with the questionnaire is not stated
  • Breach coverage not stated
  • Level 1 status and scans not stated

Pricing: $0 software. Annual PCI self-assessment $0.

Shopify POS: Best for one Level 1 platform across online and in store

Shopify POS is identified as a PCI Level 1 platform, the only system on this page with confirmed Level 1 status. Level 1 is the highest service-provider validation tier and requires an annual on-site assessment, so it is a meaningful signal about the platform's own controls rather than a marketing adjective.

For a merchant selling both online and in store, running one Level 1 platform across both channels is a scope simplification. Two systems means two sets of questions about where card data flows. One means one.

Three things are unstated and all of them matter: PCI fees, breach coverage and whether merchant scans are required. For a page about compliance cost, an unstated fee position is a question to resolve before signing, not a default of zero. Basic is $39 per month.

Pros

  • Confirmed PCI Level 1 platform, the only one here
  • One platform across online and in store
  • Level 1 requires annual on-site assessment

Cons

  • PCI fees not stated
  • Breach coverage not stated
  • Merchant scan requirements not stated

Pricing: Basic $39/mo.

Lightspeed (Retail and Restaurant): Best for free enrollment with a named PCI partner

Lightspeed is the most transparent system on this page, and that transparency makes it look worse rather than better. It states plainly that Lightspeed Payments merchants must complete a PCI questionnaire, and that merchants may be held liable after a breach. Every other provider here is silent on liability. Lightspeed tells you.

Treat that as a feature of the disclosure, not a defect in the product. The liability position Lightspeed states openly is close to the industry default. The difference is that you can read it before signing rather than discovering it during an incident.

Enrollment with its PCI partner, Viking Cloud, is free, and naming the partner lets you research that company independently. Pricing is the highest here: Retail from $89 per month billed annually, Restaurant from $69. Encryption and tokenization positions are not stated.

Pros

  • Free enrollment with PCI partner Viking Cloud
  • Names its PCI partner, so you can research it
  • States its liability position openly

Cons

  • Merchants must complete a PCI questionnaire
  • Merchants may be held liable after a breach
  • Highest pricing here, Retail from $89/mo

Pricing: Retail from $89/mo billed annually. Restaurant from $69/mo.

Loyverse: Best for free software with no PCI fee attached

Loyverse's software is free, and Loyverse Payments charges no PCI fee. For a small US shop running on a zero-cost stack, that combination keeps the compliance line of the budget at nothing.

That is the extent of what can be stated. Level 1 status could not be confirmed. Questionnaire help is not stated. Scan responsibility is not stated. Breach coverage is not stated. Encryption and tokenization are not stated.

Five unknowns against one confirmed benefit is a thin basis for a compliance decision. The no-PCI-fee position is real and worth having, but a fee of zero tells you nothing about who completes your SAQ or what happens after an incident. If you shortlist Loyverse, those five questions are the conversation to have before you process a card.

Pros

  • Free software
  • Loyverse Payments charges no PCI fee
  • Suits small US shops on a zero-cost stack

Cons

  • Level 1 status could not be confirmed
  • Questionnaire help and scans not stated
  • Breach coverage and encryption not stated

Pricing: free. Loyverse Payments charges no PCI fee.

Clover: Best for merchants already on Clover who want a guided questionnaire

Clover offers a guided PCI questionnaire, which walks a merchant through the SAQ rather than leaving them with a blank form. For an operator who has never completed one, guidance has real value.

The sourcing is the problem. That questionnaire help traces to a 2020 blog post. PCI DSS has moved to version 4 since then, with changed requirements and a different SAQ landscape. Five-year-old guidance on a standard that has been revised is not a current feature claim, and it should be verified before you count on it.

Three more items could not be confirmed: Level 1 status, PCI fees, and the price of the Clover Security add-on. That means you cannot budget the compliance cost of Clover from public information at all. Breach coverage, encryption and scan responsibility are not stated either. Clover is the least documented system on this page for compliance purposes, which is a finding in itself.

Pros

  • Guided PCI questionnaire
  • Suits merchants already on Clover hardware
  • Clover Security add-on exists

Cons

  • Questionnaire help sourced to a 2020 blog post, predating PCI DSS v4
  • Level 1 status and PCI fees could not be confirmed
  • Clover Security price could not be confirmed

Pricing: Clover Security add-on, price not confirmed.

Which PCI Compliant POS Fits Your Situation

You are opening a shop and want no PCI fees or paperwork

Go with Square. It charges no PCI or non-compliance fees and states you do not have to validate compliance yourself, as long as Square handles all card storage, processing and transmission. Check that condition against your actual setup, because any card data outside Square changes the answer. For a PCI-compliant retail POS system with the lightest admin load, this is the shortest route.

You run a restaurant and you are tired of yearly PCI questionnaires

Go with Toast. Toast says most customers do not need to submit PCI documentation or hire a company for vulnerability scans, which removes both annual tasks. Confirm your configuration counts as most customers, and ask what the savings are in dollars, because Toast does not publish a figure. As a PCI-compliant restaurant POS system it is the one that removes the most annual work.

You run a retailer on Lightspeed and still have to file a questionnaire

Stay with Lightspeed, but go in informed. Lightspeed Payments merchants must complete a PCI questionnaire, and enrollment with its PCI partner, Viking Cloud, is free. Lightspeed also states merchants may be held liable after a breach, which is the industry default stated out loud rather than a Lightspeed-specific risk.

Frequently Asked Questions

Is any POS system actually PCI compliant?

Not in the sense most buyers mean. PCI DSS compliance is the merchant's obligation. A provider can be a validated Level 1 service provider, reduce your scope, simplify which SAQ applies to you, or absorb the paperwork. None of that transfers the obligation. Shopify POS is identified here as a Level 1 platform, which describes Shopify's own validation, not yours.

What is a PCI non-compliance fee, and can I avoid it?

It is a recurring charge some providers apply when a merchant has not completed its annual PCI validation. It buys nothing and continues until the paperwork is done. Four providers here charge nothing: Square states no PCI or non-compliance fees, Helcim lists the annual self-assessment at $0, Loyverse Payments charges no PCI fee, and Lightspeed offers free enrollment with its partner. If you are paying one, ask what it is for.

Do I still have to complete a questionnaire?

It depends on the provider and your setup. Square says no self-validation is needed if it handles all card data. Toast says most customers submit no documentation. Lightspeed says merchants must complete one. Clover offers guided help, though that guidance dates to 2020. Helcim, Shopify POS and Loyverse have not published a position.

Which of these covers me if there is a breach?

None of the seven states a breach coverage position. Lightspeed goes further and says merchants may be held liable. Assume forensic investigation costs, fines and card-brand assessments fall on you unless a provider commits otherwise in writing, and price cyber insurance on that basis. This is the largest unanswered question on this page.

Who runs the quarterly security scans?

Whether you need them depends on your SAQ type. Toast says most customers hire nobody. Lightspeed names Viking Cloud as its PCI partner. Square, Helcim, Shopify POS, Loyverse and Clover have not stated scan responsibility. Establish whether scans apply to you first, then who performs them.

Do these systems encrypt and tokenize card data?

None of the seven states an explicit encryption or tokenization position in the sources available. That is unusual for payment systems, where encryption in transit and tokenization at rest are standard practice and are what keeps raw card data out of your environment. Ask each provider what is encrypted, what is tokenized and where keys are held.

What does PCI Level 1 mean for a service provider?

Level 1 is the highest validation tier for a service provider and requires an annual on-site assessment by a qualified assessor. Shopify POS is identified as a Level 1 platform here. Clover's and Loyverse's status could not be confirmed, and the others are not stated. Ask any provider for its current Attestation of Compliance rather than relying on a claim on a webpage.

Our Verdict on PCI Compliance in POS

Square is the pick for most small businesses, because no PCI fees, no non-compliance fees and no self-validation is the lightest burden here, provided all your card data genuinely lives inside Square. Toast is the restaurant answer, removing both the documentation and the scan vendor for most customers. Shopify POS is the only confirmed PCI Level 1 platform on this page, which matters if you sell online and in store on one system. Helcim publishes the clearest fee position, with the annual self-assessment at $0.

One caution applies to all seven. Not one states a breach coverage position, and Lightspeed states openly that merchants may be held liable. Get each provider's answer in writing before you sign, and do not treat silence as coverage.

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