Unified POS and Payments platform

The complete restaurant payments solution, built into your POS

Lightspeed Payments makes it easier than ever to serve guests and get paid, from one unified platform.

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Lightspeed powers leading businesses in over 100 countries.

$90.7B USD

Lightspeed’s customers processed $90.7 billion in GTV through Lightspeed’s platform in fiscal 2024

~165K

~165K locations around the world trust Lightspeed**

A payments solution you can trust

Our flexible, multilocation payment processor gives you the tools you need to scale your restaurant.

  • Enjoy competitive rates—no setup costs or hidden fees
  • Handle high volumes with no monthly transaction limit
  • Rely on an expert team offering chargeback management and fraud assistance
  • Uninterrupted service, even during Wi-Fi outages
  • Eligible customers will receive one EFTPOS terminal for each POS register free of charge + no monthly terminal rental fees
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Give guests a secure and seamless checkout

The experience your customers and employees have always wanted, with a processor that is fully embedded in your POS.

  • Drive efficiency and accept credit, debit, and mobile payments from anywhere
  • Display customer bills instantly, with no manual entry or keying errors
  • Protect customers from fraud with built-in PCI compliance
  • Enjoy in-built tipping capabilities
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Speed up payments with Pay at Table

Close bills directly at the table from your payment terminal.

Settle payments fast

Select any table number among all open tables.

Instantly sync payment status

Get real-time communication between your terminal and POS.

Simple bill-splitting

Split bills among groups and let customers pay at different times.

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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Ultimate flexibility with customisable surcharging

Lightspeed Payments empowers you to make the right decisions and choose what works best for you and your customers.

  • Easily pass on card processing fees to customers with automatic surcharging
  • Set a % amount for each card payment type. Based on the card presented, the terminal will automatically calculate the surcharge
  • Control whether you pass on a partial amount or the full fee to cover all of your transaction costs
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Considering the switch to Lightspeed?

Switching to Lightspeed is easy. From data migration to hardware and payments setup, our industry experts will support you each step of the way.

  • Get fast 24/7 support
  • One-on-one onboarding
  • Dedicated Account Manager to answer every question
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All the answers you're looking for.

What is Lightspeed payments?

Lightspeed Payments is a payment processor designed for Lightspeed POS. Unlike other payment processors, Lightspeed Payments integrates with Lightspeed POS, allowing you to manage your business and transactions in one seamless Lightspeed experience.

Is Lightspeed Payments safe?

Lightspeed Payments comes with built-in PCI Compliance, which ensures a secure checkout experience and protection from fraud. Our support team provides fraud assistance and 24/7 support.

Can I add surcharges to my transactions?

Yes, surcharges can be added as a separate line item to a transaction through Lightspeed Payments.

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.

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 data entry. Embedded payments make for a better checkout experience for both your employees and customers. Plus, you have access to plenty of valuable inf, 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.