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Unified payments & POS platform

Fast and secure payments, built into your POS

Lightspeed Payments is made for ambitious retailers. Process sales, get paid and streamline your business from one unified platform.

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Lightspeed powers leading businesses in over 100 countries.

$90.7B

Processed in GTV through Lightspeed’s platform in fiscal 2024 *

~165K

~165K locations around the world trust Lightspeed

The benefits of Lightspeed Payments

For your customers

With payments embedded into your POS system, automated amounts will help speed up checkout for customers, giving them a seamless experience.

For your employees

With up to 24/7 support all under one roof, you and your employees can enjoy streamlined support that covers POS, hardware and payments.

For your business

With embedded payments, Lightspeed can evolve faster and deliver more powerful insights to help you compete in today's market.

Drive efficiency across your business with one solution.

Get paid quickly with Lightspeed Payments, no matter where customers shop.

Get up and running fast with our intuitive, in-depth setup process

Unify your operations with payments hardware, software and customer support in one place

Personalize the customer experience using insights from payment data

Identify top revenue streams with a full view of multilocation and multichannel sales

We switched to Lightspeed Payments because ... we’re saving a lot of money in fees and it has made the business much faster, cheaper and easier to operate.


Melissa Joy Manning, Owner & Designer, Melissa Joy Manning

Easy to use. Reliable. Intuitive.

Become the go-to brand in your market with the help of our embedded payment processor. Your employees and customers get an elite checkout experience, every time.

Innovate faster

Make use of evolving features and integrations, and get premium support from our team of retail experts.

Stay on top of business performance

Enjoy in-depth accounting tools, plus view valuable shopping metrics.

Gain valuable insights

Stay in-the-know with sales data in real-time, accurate reporting and shopping metrics.

Boost customer satisfaction

Speed up lines with fast processing speeds. Delight shoppers with a variety payment options.

Keep staff happy

Save time with streamlined payment reconciliation and eliminate errors from keyed-in transactions and manual entry.

Simplify workflows

Get sleek, sophisticated hardware, plus view all payment and sales info, in one place.

Sell in store? Online? All of the above?

Boost your business with Lightspeed Payments today.

It’s ready to go. View our competitive processing rates on our pricing page.

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Processing over $250K?

Your current processor might be overcharging you.
Find out how you can save more of your revenue with Lightspeed. Contact our experts today for a personalized quote.

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Cost-effective and transparent payment processing fees

Processing fees are always simple and predictable, so you can accept payments with confidence.

  • Save money with simple pricing
  • No hidden fees or markups
  • Negotiate a competitive rate
  • Free chargeback assistance
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Enjoy free, 24/7 support.

Whether it's hardware or software, getting set up is easy with Lightspeed Payments. Have our experts walk you through the process step by step.

  • Get transactional fast with a plug-and-play setup
  • Take advantage of personalized one-on-one software training
  • Gain long-term success with dedicated support from industry experts
  • Access detailed resources like guides, videos and more
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Accept any payment, anytime.

Lightspeed Payments provides leading terminals and equipment, so you can accept any mobile payment with ease.

  • Accept payments from all major credit and debit cards, Apple Pay and Google Pay
  • Enjoy increased mobility to accept payments anywhere in-store or curbside
  • Help drive revenue with tipping functionality and other built-in features
  • Keep things simple with an easy-to-use interface that's staff and customer-friendly
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Premium security comes standard.

Security is our top priority. Lightspeed Payments comes with premium security features built-in, so you'll have peace of mind from day one.

  • Protect their data with PCI DSS validated Level 1 Service compliance
  • Secure your data with end-to-end encryption for all transactions, in-store and online
  • Get 24/7 server security monitoring by our in-house team
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All the answers you're looking for.

Does Lightspeed offer a complete solution?

Lightspeed proudly offers a 360° unified solution. Having only one provider for your point of sale technology, payment services, hardware and support team saves you countless time and money. Plus, it makes running your business so much easier.

I currently have a contract with another payment provider. How can I switch?

Depending on which provider you currently have a contract with and what your terms are, the cancellations fees they impose will differ. Thankfully, the switch process to Lightspeed Payments is smooth sailing. Our friendly support agents take you from start to finish and make sure you’re running without a hitch before you go live.

Is hardware included?

Lightspeed hardware is sold separately. For security purposes, you cannot use any existing terminal hardware you might already have as these have not been injected with the certified firmware. Safety first!

What is the average deposit time for funds?

You can expect to see money deposited into your account within 2 business days after a transaction is made. Please note, that a number of circumstances may affect this timeline, including delays caused by bank systems or risk monitoring. For further details on when to expect your funds, please refer to our documentation on getting paid.

Are there hidden fees?

Never. With Lightspeed you’ll never find a complicated or cryptic fee on your statement. The only thing you can expect is a $15 chargeback fee, should one even occur at all. We offer competitive rates and our experts are happy to tailor the right solution to fit your business. No monkey business here.

What happens if I get a chargeback?

Sadly, chargebacks can happen and they are a reality no retailer can escape. Luckily, we make it so much easier for you to deal with. You will be charged a single $15 fee and we will fight tooth and nail to dispute the claim on your behalf. We’ll assist you from start to finish and keep you updated on the status as the dispute progresses.

Where can I find all my payment related reports?

Your transaction and settlement reports are all in your Lightspeed POS, in the same place you run all your other standard reports from. Your deposits and batches are tracked in real-time, which makes reconciliation much faster and easier.

Can I use Lightspeed Payments for my Lightspeed eCom store?

Absolutely. In fact, you really should. It’ll save you lots of time, headaches, and money. The second you turn on Lightspeed Payments, you instantly have both in-store and online processing. It’s that simple.

What card types can I accept with Lightspeed Payments?

Lightspeed Payments accepts all major credit and debit cards. And the rate is always the same no matter what card your customer chooses to pay with. No surprises.

What are embedded vs. non-embedded payments?

"Lightspeed Payments is an embedded payment processor, meaning it communicates with Lightspeed POS to process payments. Transactions are automatically recorded in your POS system, saving time and reducing errors because it eliminates the need for manual entry. Embedded payments make for a better checkout experience for both your employees and customers. Plus, you have access to plenty of valuable info including batch settlements, reports and customer data.

With non-embedded payments, processors don't communicate with the POS system. Transaction data isn't recorded—you have to manually input information, making the checkout process more complex. "

More questions?

Did we miss anything? Give us a call or send us an email to keep the conversation going.