POS cost lab: your real monthly bill
A POS price is never just the software. This lab adds up the plan, the card fees, the hardware and the setup for two options side by side, so you see what you would actually pay.
Your monthly bill, side by side
Amounts are in US dollars. Fill in one location’s card sales for a typical month and your average sale. Hardware and setup are optional and cover the whole business.
This is an estimate, not a quote. It counts card sales divided by your average sale as the number of sales, and gives every location the same volume. Taxes, refunds and chargebacks are left out unless you enter them.
How to use it
Enter a month of card sales for one location and your average sale. Option A starts with Square Free at its published rate. Option B starts with the available VoVi Pro plan at $39 per location; enter your actual processor percentage and fixed fee. Future VoVi Payments scenarios are separately labeled coming soon and require an explicit selection.
For Shopify, Lightspeed, Clover and Toast, enter the card rate from your quote. They either do not publish one or price it by your business.
What “or we match your rate” means
VoVi Pro free with VoVi Payments is coming soon in the US. You choose one: a flat 2.95% per card sale, or we match your rate, meaning the effective rate on a recent statement of yours. The choice is yours. AMEX is 3.5%, so if one sale in ten is AMEX, enter about 3.0% as your blended rate.
How the math works
Monthly card fees equal your sales times the percentage, plus the number of sales times the fixed fee. The monthly bill adds the software. The total over 12 or 36 months adds your hardware and setup once. Cash sales do not belong in the card volume.
Hardware and setup are optional. Add them and they count in the 12- or 36-month total. We hold back a result until the software, card rate and fixed fee are filled in, because an unknown price is not a zero.
Three industry scenarios to try
Illustrative coffee counter: $20,000 monthly card volume and a $10 average card sale produce 2,000 payments. At an assumed 2.6% + $0.15, processing is $820; add $39 for VoVi Pro for $859 a month before hardware and tax. Replace that assumed rate with your statement.
Illustrative gift shop: the same $20,000 volume with a $50 average sale produces 400 payments. At the same assumed rate, processing is $580, plus $25 for VoVi Light: $605 a month. This shows why ticket size matters.
Illustrative beauty studio: $12,000 monthly card volume and a $60 average sale produce 200 payments. At an assumed 2.6% + $0.15, processing is $342; add $39 for Pro when appointments or commissions are required: $381 a month. Add room, staff or other paid services to the quote where applicable.
What rate should I enter for my current processor?
Use the effective rate from your last statement: total fees divided by total card sales. The fixed fee per sale can stay at 0 if you used the effective rate.
Does the lab include VoVi Payments?
Yes, with both choices: the flat 2.95% with no fixed fee, or matched to the effective rate on your statement. It is not live yet.
Official pages
Prices checked October 11, 2026.