5 Best POS Loyalty Programs

Square Loyalty offers the following rewards software features:

• Works with multiple industries (restaurants, retail, personal services, etc,)
• Works with other Square products (Square Restaurant, Square for Retail, Square Appointments, etc.)
• Easy customer onboarding from POS screen
• Customizable program lets you choose how points are earned, reward tiers, & reward terminology
• Marketing features including text & email campaigns
• Omnichannel program lets customers earn & redeem in-person and online
• Multilocation program works for all your Square stores
• Data tracking from your Square Dashboard

With Square’s loyalty program, only pay for how much loyalty functionality you use. Square POS is free, and loyalty pricing is based on how many loyalty visits you receive each month.

Square Loyalty starts at $45/month for 1-500 loyalty visits per month and goes up from there. You can try out the software for 30 days for free before deciding if you want to purchase it.

You can use Square POS with Square Loyalty on a variety of hardware setups, including iPad, Android, and Square’s proprietary hardware solutions, such as Square Register and Square Terminal.

Though you can technically use Square with just a free magstripe reader (or the chip and tap reader) and a mobile device, most businesses will want a countertop POS setup.

Options include the Square Stand kit for iPad that includes a Square swivel stand with a built-in card reader, a cash drawer, and a receipt printer (iPad not included). The Square Register — a tablet register with a customer-facing screen and built-in payment acceptance — and a Square Register kit are also available.

With its in-house flat-rate payment processing — Square’s rate is 2.6% + $0.10 per in-person transaction — Square is best for newer and lower-volume businesses. Established, high-volume businesses may find better payment processing rates by getting their own merchant account

Square POS is month-to-month with no contract, which means you can stop using the service at any time; the same goes for Square Loyalty.

The one warning we have for Square is that it has less account stability than a traditional merchant account, as Square is a third-party payment processor. Learn more about the pros and cons of processing with Square by reading our guide to third-party payment processors.

Lightspeed Loyalty offers the following customer loyalty program features:

• Fully integrated with POS workflow, so you only need to visit the back office for initial setup & running reports
• Omnichannel design lets customers redeem rewards online or in-store
• Customer auto-segmentation based on purchasing habits
• Branded loyalty app to send promotions & one-time deals
• Automated marketing campaigns for text & email using a drag & drop tool
• Import data & balances from another loyalty program
• Retail-centric system includes multi-tender options, inventory matrix, PO management, & deep reporting

Our full write-up on Lightspeed Loyalty explains more about program features and setup.

Lightspeed Loyalty is included on Lightspeed’s Core Plan, which is priced at $179/month ($149/month billed annually). Higher tier plans also include Lightspeed Loyalty. 

You can purchase Loyalty on lower-level plans as a separate add-on.

You can use Lightspeed on an iPad or desktop setup. You can source your POS hardware yourself or purchase a kit directly from Lightspeed (call for quote).

Lightspeed Retail integrates with Lightspeed Payments. You’ll pay a flat rate of 2.6% + $0.10 for in-person payments and 2.9% + $0.30 for online payments. You’ll also get a free Verifone P400 terminal (swipe, dip, or tap).

To get the best pricing on Lightspeed Retail with Lightspeed Loyalty, you need to pay annually. This means Lightspeed is more of a commitment than a pay-as-you-go POS like Square.

Clover’s customer loyalty app has these useful reward program software features:

• Rewards app comes pre-installed on your Clover system and is included in most plans
• Effortless setup, right from your POS screen
• Customize offers to fit your business and offer multiple perks to appeal to different customers
• Customer-facing mobile Clover app lets users earn rewards when ordering from their phone or in-person
• Multiple ways to earn & redeem rewards, including SMS codes printed on receipts, the Clover app, & self check-in on Clover’s customer-facing screen
• Customers can track points using the Clover app
• Rewards reporting shows which perks are most popular

Clover offers a variety of different plans ranging from $0 – $84.95/month. Clover’s loyalty app is included on the Clover Essentials plan, which is priced at $14.95/month.

You can use Clover Rewards on a Clover Flex, Clover Mini, or Clover Station setup. Businesses that want a countertop POS will need at least one Mini or Station, sometimes with a Flex to take mobile orders. (Clover Rewards does not work on the Clover Go reader.)

Clover.com offers flat-rate rate processing at 2.3% – 2.6% + $0.10% per transaction per transaction and up. Your processing rate depends on your monthly software plan.

If you buy your system from a different Clover provider, your merchant account may use a different processing model.

Many different companies sell Clover POS systems with merchant accounts, and some of these Clover providers are not recommended due to their long-term contracts, expensive equipment leases, and other issues.

Learn more about where to buy a Clover system by reading our post on the best Clover service providers.

Toast POS has these and other useful loyalty rewards software features:

• Links to customer’s credit card, so customers accrue points automatically
• Customizable rewards program allows restaurants to customize sign-up bonuses, set accrual and redemption rates, and offer birthday rewards
• Multiple signup methods—POS, self-order kiosk, customer-facing display, Toast Go, & online ordering
• Integrated online ordering module lets customers earn and redeem points online
• Loyalty program reporting gives you insight into who your regulars are and how much they spend.
• Rewards lookup website lets customers look up their points balance online
• Integrated gift card program allows Toast gift cards to be registered as loyalty cards

The Toast POS itself starts at $0/month for a pay-as-you-go plan or $69/month for a standard plan. The main difference is that the free plan charges more for payment processing.

Toast Loyalty is an add-on to the POS that costs $50/month or an additional 0.40% per transaction, depending on your plan.

Toast has a variety of hardware, including countertop kits. You can alternatively get a Toast hardware kit for free if you opt for the pay-as-you-go plan.

Toast includes integrated payment processing and does not allow you to use an outside processor. Rates vary depending on your package. The lowest published price on Toast’s website is 2.49% + $0.15 for in-person transactions.

Toast requires a long-term processing contract, during which the company increases its credit card processing fees with 30 days’ notice (per Toast’s merchant agreement). These contracts can be as long as three years and renew automatically after the initial term for another year.

If you want to get out of your Toast contract at any time, you’ll have to pay an early termination fee (ETF).

• Simple setup lets you start your loyalty program in a single click— just set the reward percentage from each purchase
• Multi-industry POS with loyalty program has both retail & restaurant features
• Multistore functionality lets customers receive rewards across all your stores
• Physical card option allows you to issue a loyalty card with a barcode
• Customer-facing loyalty app includes messaging feature for marketing
• Customer profiles display customer’s purchasing and loyalty history

Loyverese POS is free, as is its loyalty module. Loyverse does offer some paid add-ons — employee management and advanced inventory — but they are optional and inexpensive.

You can use Loyverse on a smartphone, iPad, or Android tablet. You can purchase hardware on your own or buy various individual hardware components through Loyverse.

Loyverse merchants in the US can process payments using Worldpay, Zettle by PayPal, or SumUp.

Though Loyverse may seem too good to be true, it really is free, with no caveats like expensive hardware leases or long-term payment processing contracts.

For payment processing with Loyverse, both Zettle and SumUp are no-commitment third-party payment processors, similar to Square.

The only negative about Loyverse is that it is a somewhat basic program, and it only integrates with a couple of other software programs.