Free smart terminal — Poynt N910 or Clover Mini, a $399 value — with 1.49% debit / 2.79% credit processing and no contracts.
Competitor details from their public pricing pages as of Aug 2026; verify before relying on them. MidPay column reflects our own published Free Equipment and Cost Transfer programs.
| Feature | MidPay Free Terminal (Poynt N910 / Clover Mini) |
Square Register | Clover (retail) | GoDaddy Smart Terminal | Toast |
|---|---|---|---|---|---|
| Upfront device cost | $0 (free placement) | $799+ | $499+ | $0 (free with program) | Varies |
| Monthly software fee | $0 | $0–$29+ | $14.95+ | $0 | $0–$165+ |
| In-person rate | 1.49% debit / 2.79% credit | 2.6% + 10¢ | 2.3% + 10¢ | 2.3% + 0¢ (0% with surcharge/Rate Saver) | Varies |
| Contract | None — cancel anytime | None | Varies by processor | Varies | Varies by reseller |
| Surcharge / dual pricing option | Yes — Cost Transfer program | Varies | Varies by processor | Yes | Varies |
| Built-in printer | Yes (select devices) | No | Yes (Station) | Yes | Yes (Toast Go / terminal) |
| Handheld option | Yes — free, $275 value | Yes | Yes (Flex) | Varies | Yes (Toast Go) |
| Tap to Pay on phone | Varies by device | Yes | Varies | Varies | Varies |
| Key-in / phone payments | Yes | Yes | Yes | Varies | Varies |
| Offline mode | Varies by device | Yes | Varies | Yes | Varies |
| Online ordering | Varies by device | Yes | Yes | Yes | Yes |
| Same-day funding | Yes — 1.5% same day, or next business day free | Yes (fee applies) / free standard | Varies by processor | Varies | Varies |
| Inventory management | Yes (Pro/Duo) — images, modifiers, variants, low-stock alerts | Yes | Yes | Yes | Yes |
| Barcodes / catalog | Yes (Pro/Duo) — barcode-ready catalog, built-in printer | Yes | Yes | Yes | Varies |
| Buy online, pick up in store | Online store + in-store sales in one dashboard | Yes | Varies | Varies | Varies |
| Gift cards & loyalty | Yes — live program since 2019 | Yes | Yes | Varies | Yes |
| 2-day shipping | Yes — ships in 2 days | Varies | Varies | Varies | Varies |
Rates and features change frequently across the industry — the columns other than MidPay are general public information and should be re-verified against each provider's current pricing page before you compare.
Free with $10K+/mo in processing — large touchscreen, built-in printer, tap/chip/swipe.
See details →Free with $10K+/mo in processing — dual customer-facing screen for tips, signatures & loyalty.
See details →$49.95/mo — free placement or $949.95 purchase. Countertop POS with printer base, $99.95 one-time setup fee, optional cash drawer & Sunmi scanner.
See details →Every benefit below is a MidPay Free Equipment feature already published on our Equipment, Free Terminal, Security, E-commerce, Gift Cards and ACH pages — nothing here is a new promise.
The Smart Terminal Flex is always free, no minimum. The Pro and Duo are free with $10K+/mo in credit card processing.
1.49% debit / 2.79% credit — or as little as 0% on credit card sales with dual pricing / surcharge.
Get paid the same day for 1.5%, or next business day free.
Handheld Flex for tableside, in line or on the floor, plus countertop Pro/Duo — tap, chip, swipe, Apple Pay, Google Pay and QR.
Ring up sales in seconds with product images, catalog search and favorites — no training day required.
Product images, modifiers, variants, discounts, taxes and real-time low-stock alerts on Pro and Duo.
Bulk upload products and let AI write descriptions, then see AI-powered insights on sales, best-sellers and trends — and update prices by voice or chat.
Built-in receipt printer and barcode-ready catalog on Pro and Duo terminals.
Online store and in-store sales in one dashboard, with Midbank Gateway, Authorize.net and Shopify/WooCommerce/Magento/BigCommerce integrations. See e-commerce →
WiFi & 4G connectivity built into the terminal, so you can keep taking payments when the connection drops.
Gift card and loyalty program live since 2019, plus ACH for recurring payments and subscriptions at 1% capped at $2. Gift cards → · ACH services →
No contracts, cancel anytime, $0 annual fee, $0 PCI compliance fee, ships in 2 days, 24/7 direct phone support.
Not sure which terminal fits? Start with the type that matches your business, then confirm with our Terminal Finder.
Busy front counters do best with a large touchscreen and a built-in printer — free, a $499 value. Want a dedicated countertop showstopper instead? Payanywhere Core adds a printer base and optional cash drawer & Sunmi scanner for $49.95/mo.
Find your terminal →A dual customer-facing screen makes checkout smooth for tips, signatures and loyalty — free, a $399 value. Payanywhere Core is our countertop pick for retail counters — $49.95/mo, free placement or $949.95 purchase.
Find your terminal →Take payments tableside, curbside or on the floor with a lightweight handheld terminal — free, a $275 value.
Find your terminal →Three transparent pricing programs — Free Equipment, Cost Transfer, and Cash Discount. Full details and features are on our Equipment page.
1.49% debit / 2.79% credit. Free Poynt N910 or Clover Mini. No contracts, no monthly fees.
See pricing details →Equipment is truly free and your processing cost can drop toward $0.00 per transaction.
See pricing details →100% free processing — customers pay the card fee, cash customers save.
See pricing details →Apply for free equipment through our processing partner.
Apply for Free Equipment →It depends on the business. Restaurants generally do best with a countertop terminal that has a built-in printer, retail stores benefit from a searchable catalog and barcode support, and service businesses on the go often prefer a handheld or mobile terminal. MidPay places a free terminal matched to your business type — Poynt N910 or Clover Mini, a $399 value — with 1.49% debit / 2.79% credit and no contract.
Yes. Under MidPay's Free Equipment program you get a free Poynt N910 or Clover Mini terminal with no upfront device cost, no monthly software fee, and no contract. Rates are 1.49% debit / 2.79% credit. A separate Cost Transfer / dual pricing option is also available if you'd rather pass card costs to the customer and pay $0 per transaction.
MidPay's terminals support offline card capture that syncs once connectivity returns, similar to other modern POS systems. Confirm offline behavior for your specific terminal model with a MidPay specialist before relying on it for high-volume offline use.
Yes. MidPay offers a Cost Transfer / dual pricing program where customers see a small card price and cash customers pay less, so your processing cost drops toward $0.00 per transaction. See our dual pricing comparison guide for the full breakdown.
Use the Get Started button on this page to start a MidPay application, or apply for free equipment directly through our processing partner. A specialist will confirm which terminal fits your business and get it placed at no cost.
Yes, on the Pro and Duo terminals. You get product images, catalog search, modifiers, variants, discounts, taxes and real-time low-stock alerts, plus AI-powered insights on sales, best-sellers and trends — and you can update prices by voice or chat.
Get paid the same day for 1.5%, or next business day free.
