How much does a POS system cost for a restaurant, line by line.

The short answer

A restaurant POS system doesn't cost what its fee says. It costs the fee plus everything charged on top: each extra device or module, the hardware, the card terminal fees and the setup, for as long as the contract ties you in. That's why two quotes are compared by adding up a whole year of everything, not by looking at the fee.

Fees change often and every program puts different things in its own, so the figure that matters is the one in your quote. To get it, ask for every line in writing and add them up.

Work out what a quote costs you

Enter the numbers from a quote, without VAT. If you have another one, enter it as quote B and you'll see which is cheaper over three years. Leave blank whatever they don't charge you.

A lower fee can turn out more expensive. If every waiter's phone or the kitchen screen is charged separately, the quote grows with your team, and the high season is when you need the most devices.

Line by line: what your quote has to say

Each line, with what's worth asking before you sign.

Card terminal fees

What you're charged for each card payment is called the merchant service charge. Under Spain's Law 18/2014, it has three parts: the interchange fee, which goes to the bank that issued your customer's card; the processing and payment scheme fee; and the margin of your bank or whoever provides your card terminal.

The law only caps the first part, when your customer's bank and yours are both in Spain: 0.2% of the payment with a debit card, up to 7 cents, and 0.3% with a credit card; for payments of up to €20, 0.1% and 0.2%. Business cards fall outside that cap (articles 9 and 11). The rest has no cap: you negotiate it.

The same law says two more things. With the cards that have that cap, you can't charge your customer a surcharge for paying by card (article 12). And banks and other payment providers must report the rates they charge to the Bank of Spain, which publishes them every quarter by card type and by business activity: they're useful to see whether yours is in the normal range.

VeriFactu: don't pay extra for it

VeriFactu is postponed to October 2028: Spain's Ministry of Finance announced it on 5 October 2026 and it still has to be published in the BOE, Spain's official gazette; until then, the legal dates are 1 January 2027 for companies and 1 July 2027 for everyone else. Your POS has to be adapted by then, and it's worth knowing now whether the adaptation is included in the fee or charged separately.

Spain's tax authorities don't approve software: the manufacturer signs a responsible statement that theirs complies. Ask whoever sells you the POS for it before you sign.

VeriFactu in hospitality, the full articleHow Food&Service handles invoicing

Minimum term and what happens if you leave

The minimum term is the number of months the contract binds you even if you want to leave earlier. When you sign up for your business you're not a consumer under Spanish law (article 3 of the consumer protection act), so its rules don't cover you: what you sign is what counts. Before you sign, make sure the contract tells you:

• How many months of minimum term there are and what you pay if you leave early.
• Whether it renews automatically and how much notice you have to give to cancel.
• Whether the price can go up during the contract.
• Whether the hardware is yours or goes back to the provider when you leave.
• How you take your data with you: sales, menu, customers and invoices.

The questions before you sign

Take them to every demo and tick them off as they answer.

What Food&Service costs

Food&Service has a single plan, tailored to each venue, and we give you the fixed price in the demo, with no obligation. What we can tell you is what goes on each line:

1. One fee per venueWhat changes the fee is what your business needs and how many venues you have. It doesn't change with waiters, devices or how much you sell.
2. Unlimited licencesThe POS and the ordering app on all the phones, tablets and computers you want: the fee is the same with one device as with twenty.
3. What you take is yoursFood&Service keeps nothing of what you take with your card terminal or in cash. You can keep yours or use the integrated card terminal, with exclusive terms for customers. Only online payments with FYS PAY carry a fee, and only if you turn them on.
4. With what you already haveIt runs in the browser of your tablet, phone or computer. If you're missing a printer, a cash drawer or a card terminal, we quote them at customer prices.
5. VeriFactu and TicketBAI includedEach invoice is sent to the tax authorities on its own as soon as you turn sending on, and our responsible statement is published.
6. Support 365 days a yearBy phone and WhatsApp, with people who know hospitality, and included in the fee.
7. No minimum termYou can cancel whenever you want and it takes effect at the end of the period you've already paid for.

What the fee includesHospitality POS comparison