Turn your Android phone into a card machine.
SoftPOS (Software Point of Sale) lets you accept tap-to-pay, contactless, and chip & PIN payments directly on a compatible Android phone — no terminal, no hardware, no extra device.
Paynt SoftPOS rates
+ 3c authorisation fee per transaction
Daily payouts Mon–Fri · no monthly minimum · cancel anytime
What is SoftPOS?
SoftPOS — Software Point of Sale — is a certified payment technology that uses the NFC chip built into modern Android smartphones to accept contactless card payments. No card reader is attached to your phone. No extra dongle or hardware. The phone is the terminal.
It's a newer category of payment acceptance — different from a traditional card machine and different from a card reader that plugs into a headphone jack. Paynt's SoftPOS is certified to PCI CPoC standards and supports Visa, Mastercard, and digital wallets including Apple Pay and Google Pay.
Because there's no hardware to buy, lease or insure, it's an especially good fit for businesses that move around or that want to add a payment option without the commitment of a terminal contract.
No hardware
Use the Android phone you already carry. Nothing to buy, break, or lose.
Certified & secure
PCI CPoC certified. Payments are just as secure as a traditional terminal.
Works anywhere
Wherever your phone has a connection, you can take a payment.
Instant setup
Download the app, complete onboarding, and you're ready to take payments.
Built for mobile & on-the-go businesses
If you move around to serve customers, Paynt SoftPOS goes with you. No bulky terminal, no connectivity device, no hardware contract.
What's included
No hardware costs
Use the Android phone you already have. Nothing to buy or lease.
All card types
Visa, Mastercard, Amex. Contactless, tap-to-pay, chip & PIN.
Apple & Google Pay
Accept digital wallet payments — Apple Pay and Google Pay included.
Daily settlements
Funds settled daily (Mon–Fri) direct to your business account.
Fast onboarding
Approved and set up in days, not weeks.
LowerFees support
We're on hand if anything isn't right after your switch.
How Paynt SoftPOS compares
Based on a typical Irish domestic card mix (70% debit, 30% credit)
| Provider | Debit rate | Credit rate | Blended est. |
|---|---|---|---|
| LowerFees (Paynt SoftPOS) | 0.85% | 0.99% | 0.89% |
| SumUp | 1.69% | 1.69% | 1.69% |
| Square | 1.75% | 1.75% | 1.75% |
| iZettle / Zettle | 1.75% | 1.75% | 1.75% |
| Stripe Terminal | ~1.4% | ~1.5% | ~1.43% |
Competitor rates are estimates based on published pricing and may vary. Contact us for a personalised comparison.
SoftPOS vs a traditional card machine — which is right for you?
| SoftPOS | Card machine | |
|---|---|---|
| Hardware needed | None — use your phone | Yes — terminal device |
| Works anywhere | ✓ Mobile by nature | Depends on connectivity |
| Setup time | App download + onboarding | Delivery + setup |
| Best for | Mobile & on-the-go | Fixed location or table service |
| Rates | From 0.85% debit | From 0.15% depending on acquirer |
Need a traditional card machine instead? See our card machines page →
Start accepting payments on your phone
Free service. No setup fee. Ready in days.