POS systems
Compare the workflows and features your team uses every day.
Payment processing & POSGet the right system
Get the right system
for your business.
Derived puts leading processors, POS systems, handhelds, pricing models, and contract terms side by side—then helps you choose the setup that fits how your business actually operates.
Get a POS quote Tell us how you sell and what you need. We’ll narrow the field.Request a statement audit Already processing? Start with the numbers on a recent statement.
Prefer a person? Call 801-441-2563.
Start with the business, not the pitch
One comparison. The whole payment setup.
Equipment, software, card acceptance, online payments, contract terms, and ongoing costs belong in the same decision.
Handhelds
Evaluate mobile checkout, tableside service, and line-busting options.
Processing costs
Separate interchange, processor markup, recurring fees, and equipment costs.
Online payments
Account for ecommerce, invoices, virtual terminals, and integrations.
Already processing?
We’ll help you switch—or tell you when staying put makes sense.
Bring a recent statement and your current agreement. We can compare the costs and terms behind systems including Square, Toast, Clover, SpotOn, Stripe, Heartland, and Worldpay.
SquareToastCloverSpotOnStripeHeartlandWorldpay
Request a free statement auditHow Derived works
A comparison you can inspect.
We collect the operational details once, identify realistic options, and explain the tradeoffs before you decide.
- 01
Describe your business
Share your industry, sales channels, processing volume, equipment, and must-have workflows.
- 02
Review the fit
Compare systems on features, pricing structure, implementation requirements, and contract terms.
- 03
Choose deliberately
Move forward with a better fit—or keep what you have when switching does not make sense.
Platforms we can compare
Different systems win for different reasons.
These pages explain the intended use cases and the questions to verify. Final pricing and availability depend on provider review and current terms.
Flexible tools for retail, services, and smaller restaurantsCompare Square 
Restaurant-focused POS and payment optionsCompare Shift4 
Restaurant operations, ordering, and paymentsCompare Toast 
Configurable countertop and handheld setupsCompare Clover 
Payment programs for a range of merchant profilesCompare Payroc 
Tools for pizza and delivery-heavy businessesCompare OctoPOS 
Options for complex and harder-to-place merchantsCompare Maverick 
Online payments, invoicing, and gateway needsCompare Authorize.net Straight answers
Payment processing is complicated. Your explanation shouldn’t be.
These are the questions merchants usually need answered before comparing providers.
Is Derived a payment processor?
No. Derived is an independent payments and POS advisor. We compare available providers and explain the tradeoffs so you can choose the setup that fits your business.
What is a merchant statement audit?
A statement audit reviews a recent processing statement to identify your effective rate, processor markup, recurring charges, and other fees. Derived then explains the findings and any comparable alternatives.
Do I need to replace my POS system to lower processing costs?
Not always. Depending on your existing hardware, software, processor agreement, and business needs, a better fit may involve changing pricing, changing providers, replacing equipment, or keeping the system you already have.
How much does a consultation cost?
Derived does not charge merchants for the initial comparison, statement review, or consultation. If you select a provider through Derived, compensation may be paid by that provider and should be disclosed before you commit.
Start with clarity
Compare the options before you sign.
Answer a few questions online or speak with Derived directly.