whats-best.ai

POS & Checkout Systems

Loyverse POS

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Panel rating · 6 judges · How to read the stars

Category median

Sovereignty: not determined

0–5 in half steps. 5 means the rubric's top anchor is met on the evidence.

by Cavius International Limited · loyverse.com

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Loyverse POS at a glance

Vendor
Cavius International Limited
Headquarters
Not stated on the vendor’s pages as of 1 Nov 2026
Data hosting
Default not stated; pages mention Germany source, captured 29 Oct 2026
Free plan
Not stated on the vendor’s pages as of 1 Nov 2026
Panel verdict
The AI panel rates Loyverse POS 2.5/5, the mean of 6 judges. Loyverse POS, a point-of-sale platform for small businesses, scores best where its pages are richest: operations and locations at 7-8, built on free multi-store management, stock transfers between stores, purchase orders, recipes from ingredients, a free kitchen display and per-shift cash tracking. how scores are made
As of
Vendor pages captured 29 Oct 2026 to 1 Nov 2026; evaluated by the panel 30 Oct 2026. all sources

Loyverse POS alternatives, European ones first →

Read this page as one judge. Each weighs the same scores by what they care about.

The panel's verdict

Loyverse POS, a point-of-sale platform for small businesses, scores best where its pages are richest: operations and locations at 7-8, built on free multi-store management, stock transfers between stores, purchase orders, recipes from ingredients, a free kitchen display and per-shift cash tracking. It scores worst on fiscal compliance at 0-2, where we found no public information on a certified technical security device, a DSFinV-K export or a daily closing. The fiscal split of 2 versus 0 is a difference of evidence, not substance: the higher scores credit a tax-payable report and e-invoicing API hooks, the lower ones found no public information. Pricing transparency publishes subscriptions plainly — advanced inventory at €25/Monat pro Filiale — while a card-taking year cannot be computed; sovereignty rests on stated Amazon Web Services hosting in Germany and a London contracting entity.

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Speaks for it

  • Operations and locations scored 7-8, with free multi-store management, per-store prices, stock transfers between stores, purchase orders and a free kitchen display on several screens
  • Subscription prices are published per unit — advanced inventory at €25/Monat pro Filiale, employee management at €5/Monat pro Mitarbeiter — with a 14-day trial and signup requiring no credit card
  • A documented API with developer registration, CSV report downloads and a third-party connector that turns every receipt into a Zoho Books invoice (From $29.99/month)
  • Hosting is stated as Amazon Web Services in Germany under a GDPR data processing agreement with subprocessor changes on ten days' notice and deletion or return of personal data at termination

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Held against it

  • Fiscal compliance scored 0-2, with no public information on a certified technical security device, a DSFinV-K export or a daily closing
  • No transaction fee, terminal cost or payout timing is published, so a card-taking year cannot be computed from the captured pages
  • We found no public information on a DATEV export, on booking with revenue accounts and tax rates, or on a complete export of records at contract end
  • The contracting entity is Loyverse Commerce Ltd of London in the Teya group, subprocessors are named only by purpose, and we found no public information on security certifications

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Best for

  • You run a café, bar or quick-service site and want a free till with a free multi-screen kitchen display and open tickets named by table
  • You operate two or more shops and want shared articles, per-store prices and real-time chain reports under one free account
  • You keep books in Zoho Books or build against a documented API and can run the accounting handoff yourself
  • You want a legible, unit-priced subscription with nothing to pay when a seasonal location closes

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Avoid if

  • You must defend your till in a German cash-register audit on documented evidence — fiscal compliance scored 0-2 and we found no public information on a TSE or DSFinV-K export
  • You must know your full card cost before committing — ask the vendor: the public pages we read do not show it
  • Your accountant expects a DATEV export or booking with revenue accounts and tax rates — the one named accounting path is a third-party Zoho Books connector
  • Your procurement requires named subprocessors and security certifications — subprocessors appear only by purpose and we found no public information on certifications

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The scores

Panel median The median of the judges’ scores per criterion. Each label opens its reasoning below.

Checkout, receipts & hardware

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How this is scored

How a sale is rung up and what it runs on: a fast till on tablet, phone or dedicated terminal, articles, modifiers and discounts, split bills and tips, receipts printed or sent digitally (QR code, email, a digital Bon), returns and cancellations, a customer display, which hardware is supported or sold (receipt printers, cash drawers, scanners, scales), and whether the till keeps selling when the internet is down.

0 — Not a till; sales cannot be rung up or receipts issued in the product.

3 — Sales rung up on one device with a printed receipt; digital receipts, supported hardware and offline operation are basic or not described.

5 — A till app on named devices (iPad, Android or Windows) with articles, modifiers, discounts and split payments, receipts printed or sent digitally, returns and cancellations, a list of supported printers, drawers and scanners, and an offline mode stated.

8 — Several device types and own or third-party hardware with a published compatibility list, offline mode with its limits stated (how long, which payments, how sync resolves), digital receipts meeting the receipt obligation, customer display, scales and barcode labels supported, and hardware rentable or bought with the terms stated.

10 — A till that never stops a sale: offline operation documented including card payments and fiscal signing, hardware open to standard devices rather than locked to the vendor, receipt layouts that meet the legal minimum content in each named country, and a stated uptime or a status page with incident history.

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The Café Owner

The till runs on iPhones, iPads and Android tablets with modifiers, discounts, refunds and payments combined across cash and card; receipts print or go by email, open tickets can be named "Tabelle 1, Tabelle 2", and receipt printers (Ethernet, USB, Bluetooth), scanners, cash drawers and a free customer display app are listed, plus a stated offline mode that syncs on reconnect. The offline limits, a published hardware compatibility list, scales and hardware purchase or rental terms are not described on the captured pages, which keeps it mid-scale. 1 2 6 10

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The Retail Shop Owner

The till runs on iPhones, iPads and Android phones and tablets with modifiers, discounts, open tickets that can be named after tables, refunds, and receipts printed or emailed, and the help pages document receipt printers by Ethernet, USB and Bluetooth plus built-in printers on Sunmi devices, Bluetooth or USB barcode scanners and a cash drawer — the scanning setup I want at the counter. Offline selling is stated with automatic sync once the connection returns, and a customer display, camera barcode scanning and barcode label printing are documented, with a system status page listed. We found no public information on how long offline sales are possible, whether card payments work offline, or on scales and hardware purchase or rental terms. 1 2 5 9 10

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The Tax Adviser

The till runs on iPhones, iPads and Android phones and tablets with articles, variants, modifiers, discounts, refunds and open tickets that can be named as tables; receipts go to a printer or by e-mail, a separate customer display app is documented, and hardware is listed by interface — Ethernet, USB and Bluetooth printers, Bluetooth or USB scanners, cash drawers — with setup guides in the help centre. An offline mode is stated, selling on weak internet with automatic sync once the connection returns, though how long and which payments survive offline is not described. We found no public information on scales, a model-by-model compatibility list, or hardware purchase and rental terms. 1 2 10

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The Hospitality Operations Manager

The till runs on named iOS and Android devices with articles, variants, modifiers, discounts, refunds and open tickets you can name to tables, receipts printed or emailed, a customer display app, barcode scanning and label printing, and supported hardware listed by interface — Ethernet, USB and Bluetooth receipt printers, scanners, cash drawers. The offline mode is stated only as selling with weak or unstable internet and syncing when the connection returns, without its limits, and we found no public information on scales or on terms for buying or renting hardware. 1 2 9 10

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The Fee-Conscious Merchant

The till runs on iPhones, iPads and Android phones and tablets, rings up articles with modifiers, variants, discounts, open tickets and refunds, prints receipts or sends them by email, lists supported printers, scanners and cash drawers, adds a customer display and a free kitchen display app, and keeps selling when the internet is weak with automatic sync once the connection returns. What I miss for the market stall: we found no public information on how long offline selling lasts or which payments work offline, nor on scales or on buying or renting hardware with the terms stated. 1 2 10 14

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The Skeptic

Sales run on named iOS and Android devices with modifiers, discounts, open tickets named by table, printed or emailed receipts, a customer display and barcode labels, and supported printers are documented by interface (Ethernet, USB, Bluetooth, Sunmi built-in) alongside scanners and drawers. The offline mode is stated with automatic sync once the connection returns but with no limits — how long it holds, which payments survive — and I found no public information on scales or on buying or renting hardware with terms. 1 2 6 10

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Card payments & fees

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How this is scored

How the till takes card and mobile payments and what that costs: an integrated terminal and the acquirer behind it named, girocard, credit cards, Apple Pay and Google Pay, tap to pay on a phone, the fee per transaction by card type, monthly terminal fees, payout timing, and whether the merchant may use a terminal or acquirer of their own choice instead. A "free" till paid for by card fees counts here.

0 — No card payment of any kind can be recorded at the till.

3 — Card payments recorded at the till, by an integrated terminal or by typing the amount into a separate one; the acquirer, the fees and the choice of terminal are basic or not described.

5 — An integrated card terminal with the payment provider named, girocard, credit cards and mobile wallets accepted, the transaction fee published for the main card types, payouts with their timing stated, and the amount passed to the terminal without retyping.

8 — Fees per card type and terminal cost published, tap to pay on a phone, tips and split payments on the terminal, several integrated acquirers or terminals to choose from (not only the vendor's own), the regulated payment institution named, and card payments reconciled to the daily closing.

10 — Payments without lock-in: the till works with any of several named acquirers on equal terms, fees for every card type, currency and chargeback published, the merchant's contract with the acquirer separable from the POS licence, and a change of acquirer documented without changing the till.

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The Café Owner

Integrated providers are named (SumUp in 21 countries, PayPal Zettle in 11) with tap to pay on a phone, tips with predefined percentages, refunds, amounts synced to the reader without retyping, and any non-integrated terminal of my own choice. No transaction fee for any card type is published, payout timing and the payment institution are unstated, and Loyverse Payments itself is only available in the USA, Switzerland and Belgium while the SumUp list shown does not name Germany — so I could neither compute my card costs nor confirm integrated acceptance for a German café. 1 2 11 12

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The Retail Shop Owner

Integrated payments are offered in over 30 countries with named partners such as SumUp and PayPal Zettle, EMV-certified readers, tap to pay on a smartphone, tips with predefined percentages, refunds, and the amount pushed from the till to the terminal without retyping; the vendor's own Loyverse Payments is stated as currently available in the USA, Switzerland and Belgium, and non-integrated payments with a provider of my choice are supported. We found no public information on transaction fees for any card type, terminal or reader prices, payout timing, girocard acceptance or the regulated payment institution behind the service, so I cannot price card taking for my shop from these pages. 1 2 11 12

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The Tax Adviser

Integrated payments are offered in over thirty countries with partners named per market — SumUp in twenty-one countries, PayPal Zettle in eleven — plus tap to pay on a smartphone, tips with fixed percentages, refunds, and the amount pushed to the terminal without retyping; for non-integrated payments the merchant uses a provider of their own choice. We found no public information on transaction fees per card type, terminal costs or payout timing, and the captured pages name no girocard and no regulated payment institution behind the in-house offering. 1 2 11 12

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The Hospitality Operations Manager

Integrated payments are offered in over 30 countries with named partners such as SumUp (listed for 21 countries including Austria) and PayPal Zettle, the amount syncs from the till to the reader without retyping, tap to pay on the phone, tips with predefined percentages and refunds are documented, and card transactions and payouts are viewable; the vendor's own Loyverse Payments is listed for the USA, Switzerland and Belgium only. We found no public information on transaction fees by card type, terminal cost or payout timing, so I cannot price a card sale from these pages. 1 2 11 12

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The Fee-Conscious Merchant

Integrated card payments come from named partners — SumUp in 21 listed countries and PayPal Zettle in 11, with neither list including Germany — and the amount syncs from the till to the reader without retyping; Visa, MasterCard, American Express, Google Pay and Apple Pay are named, and tap to pay, tips and refunds are documented for Loyverse Payments, which the help pages say is available only in the USA, Switzerland and Belgium. But for a German ice cream seller the fee side stays dark: we found no public information on girocard, on the fee per girocard or credit card sale, on terminal or monthly fees, or on payout timing, so I cannot see what a card sale under five euros really costs me. 1 2 11 12

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The Skeptic

Card taking is genuinely open: named integrated providers including SumUp and PayPal Zettle, tap to pay on a phone, tips with set percentages, refunds, payouts viewable, amounts pushed to the terminal without retyping, and non-integrated payments leave the merchant the provider of their choice. But not a single transaction fee, terminal cost or payout timing is published — pricing is delegated to the "integrierten Zahlungspartner" — and I found no public information on girocard, per-card fees, or the regulated institution behind Loyverse Payments. 1 2 11 12

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Fiscal compliance (TSE, DSFinV-K, RKSV)

n/r n/r n/r n/r Show reasoning
How this is scored

Whether the till survives a cash audit: for Germany a certified technical security device (TSE) with its provider and BSI certificate named, hardware or cloud, the DSFinV-K export for the Kassennachschau and the tax audit, the receipt obligation (Belegausgabepflicht), the Kassenbuch and daily closing (Z-Bericht), GoBD-compliant storage for ten years, and help with the § 146a AO registration; for Austria the RKSV signature and FinanzOnline registration; for other countries their named fiscal rules (NF525, Fiskaltrust and similar).

0 — No fiscal function at all; the product is not a cash register in the legal sense, or states that it does not meet the fiscal rules of the markets it sells into.

3 — The till is called compliant ("finanzamtkonform", "KassenSichV-ready") without naming the TSE, the export formats or the closing; the details are basic or not described.

5 — A TSE included or offered with its provider named (hardware or cloud), the DSFinV-K export available, receipts carrying the TSE signature, a daily closing and cash book, and the receipt obligation met on paper or digitally.

8 — TSE provider and BSI certification named with what happens when the TSE fails, DSFinV-K and the GoBD archive for ten years stated, the § 146a AO registration supported, a procedure documentation (Verfahrensdokumentation) template offered, and the fiscal rules of at least one further country (Austrian RKSV or another) named and met.

10 — Audit-proof across markets: fiscal compliance documented per named country with certificates published, the procedure documentation maintained by the vendor, the fiscal journal exportable after the contract ends, and the vendor's handling of a Kassennachschau (what the auditor gets, from whom, how fast) described.

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The Café Owner not rated — no public information

I found no public information on a TSE or its BSI certificate, a DSFinV-K export, the receipt obligation, daily closing, ten-year GoBD storage, § 146a registration help, or the Austrian RKSV on any captured page; the pricing page prices its add-ons but shows no fiscal module or TSE fee, and the feature and payment pages are likewise silent. As a café owner in Germany this alone stops me at the door, but it is unreported, not disproved. 2 6 11

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The Retail Shop Owner not rated — no public information

We found no public information on a certified technical security device (TSE), the DSFinV-K export, a cash book with daily closing, or the Austrian register rules on the captured pages; the closest items are a report on the tax payable and an API pitched for government e-invoicing. For my German shop this question decides the purchase, and I could not judge whether the till survives a cash audit from what was captured. 2 5 11

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The Tax Adviser

What the captured pages show on the audit side is receipts with logo and added text, a report of tax payable, and API hooks for government e-invoicing in various countries — no more. The captured German-language pages name no certified technical security device and no BSI certificate, give no DSFinV-K export, no daily closing, no cash book, no § 146a registration support and no procedure documentation, and we found no public information on GoBD ten-year storage or the Austrian signature rules; on this evidence I would not put a client of mine in front of an unannounced Kassennachschau with this till. 2 5 9

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The Hospitality Operations Manager

The only item on the captured pages touching tax is a report of the tax payable; we found no public information on a certified technical security device with its provider and certificate, a DSFinV-K export, a daily closing or cash book, GoBD storage, or the Austrian RKSV. For my German and Austrian sites that is the first question I ask a till vendor, and I found no answer on the captured pages. 2

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The Fee-Conscious Merchant not rated — no public information

We found no public information on a certified technical security device and its BSI certificate, a DSFinV-K export, the receipt obligation, a daily closing, ten-year GoBD storage or help with the registration — nothing in the features, pricing, receipts-help or payment pages we read addresses the German cash register rules. 2 6 9 11

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The Skeptic not rated — no public information

We found no public information on fiscal compliance: none of the captured pages names a TSE or its provider, a DSFinV-K export, the receipt obligation, a daily closing or cash book, or the fiscal rules of any other market, despite German-language sales pages. The nearest items are a report on tax amounts to pay and an API claim about government e-invoicing integrations, neither of which evidences the till's own audit fitness. 1 2 5 6

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Inventory, tables, staff & locations

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How this is scored

What the till runs beside the sale: stock and articles with variants, suppliers and purchase orders, recipes or ingredients for hospitality, tables, courses and a kitchen display or kitchen printer, self-order and QR ordering, staff logins with roles and rights, cash differences per employee, reports by product, staff and hour, and several branches or sites managed from one back office.

0 — No articles, stock, staff or reporting beyond the single sale.

3 — An article list and a sales report; stock, staff rights, tables and several locations are basic or not described.

5 — Article and stock management with variants or modifiers, staff logins with roles, reports by product, employee and period, and for hospitality tables and kitchen printing or a kitchen display; several locations or tills under one account.

8 — Stock with suppliers, purchase orders and inventory counts or recipes, a kitchen display and QR or self-order, granular staff rights and a log of cancellations and voids per employee, central articles and prices pushed to several branches, and cross-site reporting.

10 — Multi-site operations run through the product: stock transfers between branches, central menu and price management with local overrides, franchise or group structures, forecasting from sales history, and every change to an article, price or void attributed and exportable.

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The Café Owner

A free kitchen display with multiple screens for bar, hot line and desserts, wait-time colours and item-by-item completion sits beside classic kitchen printers; stock has purchase orders, transfers between stores, full and partial counts, recipes via production and barcode label printing. Staff log in with PINs in user groups with differentiated rights, cash differences are tracked per shift with staff counting the drawer, reports filter by employee, shop and period, and multi-store is free with per-store prices, central article import to all points of sale and real-time chain KPIs — only a true table map with courses and a per-employee void log are missing. 1 2 4 6 13 14

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The Retail Shop Owner

For a two-branch retailer like me this is the strongest part: articles in variants such as sizes and colours, real-time stock with low-stock alerts, purchase orders to suppliers with goods-receipt tracking, stock transfers between stores, and items, employees and customers managed across all branches from one account with per-store prices. Staff log in with PIN or password in user groups whose rights can be restricted to specific stores, cash differences are tracked per shift, and reports filter by employee, shop and period with real-time chain figures; the free kitchen display app with multiple screens covers hospitality. We found no public information on forecasting from sales history, franchise or group structures, or a per-employee log of every cancellation, which keeps it below the top level. 1 2 4 6 13 14

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The Tax Adviser

The back office is deep: stock with suppliers, purchase orders, inventory counts and recipes from ingredients, transfers between branches, a free kitchen display app with several screens and wait-time colours, per-employee PINs with user groups and rights down to voiding saved items, cash differences per shift and per-employee hours — and articles, customers and loyalty points shared across stores, with per-store price overrides and chain-level reporting in real time. Online ordering appears as a third-party integration category rather than a native self-order function, and we found no public information on franchise or group structures, forecasting from sales history, or a per-employee log of every void exportable. 1 2 4 13 14

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The Hospitality Operations Manager

This is close to running my group: stock with suppliers, purchase orders, inventory counts and items produced from ingredients, transfers between stores, a free kitchen display on multiple screens with wait-time colours, staff PIN logins in user groups whose rights reach down to discarding items in open tickets, cash difference per shift, articles, employees and customers shared across all sites with per-store prices as the local exception, and chain reports in real time filterable by employee, shop and period. We found no public information on forecasting from sales history or on an attributed, exportable log of every article, price and void change. 1 2 4 6 13 14

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The Fee-Conscious Merchant

Stock goes deep — real-time tracking, variants and modifiers, recipes from ingredients, purchase orders, inventory counts, transfers between my shop and the Christmas stall, barcode labels — while one account manages several stores with shared articles, per-store prices and chain-wide reporting. Staff log in with PINs, sit in user groups with rights down to voiding saved items in open tickets, and I can see sales per employee, worked hours and cash shrinkage per shift, with the kitchen display app thrown in free; we found no public information on QR self-ordering or a per-employee log of cancellations. 1 2 4 13 14

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The Skeptic

Stock runs deep — variants, modifiers, purchase orders with suppliers, counts, production from ingredients, transfers between stores, valuation, daily low-stock alerts — with a free kitchen display on multiple screens, staff PINs and user groups, per-employee sales, a time clock and cash-difference tracking per shift, all under one multi-store account with central articles, per-store prices and cross-site reporting. What holds it back: no self-order or QR ordering documented at the till, no log of cancellations and voids attributed per employee, and no franchise structures or forecasting. 1 2 4 6 13 14

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Accounting handoff, DATEV & data export

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How this is scored

What reaches the books and what leaves with the merchant: an export to DATEV (DATEV format, DATEV Kassenarchiv online, DATEV Unternehmen online) and to named accounting tools, booking with revenue accounts and tax rates, card payouts and fees reconciled, an API and webhooks, integrations with shop, booking or staff tools, and a complete export of articles, customers, sales and fiscal journals when the contract ends.

0 — No export of any kind; the day's figures have to be retyped.

3 — A CSV or PDF report of sales; booking data, named integrations and a full export are basic or not described.

5 — A DATEV export or another named accounting export with revenue accounts and tax rates, several integrations listed, a documented API, and sales and articles exportable.

8 — DATEV Kassenarchiv online or DATEV Unternehmen online named, card payouts and fees booked separately for reconciliation, a public API with webhooks and a developer portal, integrations with named shop, booking and staff-scheduling tools, and a full export of articles, customers and sales stated.

10 — Nothing stays behind: a complete export of all records including the fiscal journal and receipts in documented formats, access to past data after cancellation for the retention period stated, a migration path from and to other named systems, and the API covering every object the back office shows.

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The Café Owner

There is a documented API with developer registration, an integration marketplace covering accounting, e-commerce, online ordering, e-invoicing and digital receipts, a named sync to Zoho Books through LoyBooks that turns every receipt into an invoice every fifteen minutes with duplicate prevention, and CSV export of reports. We found no public information on DATEV in any form, on webhooks or a developer portal beyond the API documentation, or on a full export of articles, customers and sales at contract end. 2 5 13 15 16

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The Retail Shop Owner

A documented API with developer registration syncs items and inventory in real time, customers and orders, and automated sales exports, reports download as CSV, and the paid unlimited sales history at €5/Monat pro filiale extends reports and exports beyond the 31 free days. The named accounting path we found is the third-party LoyBooks app that turns every receipt into a Zoho Books invoice, From $29.99/month. We found no public information on a DATEV export, revenue-account and tax-rate mapping, webhooks, or a stated complete export of articles, customers and sales when the contract ends — my tax adviser would still be waiting for a DATEV handoff. 2 5 6 15 16

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The Tax Adviser

There is a documented API with developer registration, CSV downloads of reports, a marketplace naming accounting, e-commerce, online-ordering and e-invoicing categories, and a connector that turns every receipt into a Zoho Books invoice with customers matched and payments applied. We found no public information on a DATEV export or DATEV Kassenarchiv online, on booking with revenue accounts and tax rates, or on webhooks; nothing on the captured pages states a complete export of articles, customers and receipts at contract end — the data-processing agreement covers only deletion or return of personal data, with backups generally gone within six months. 5 8 13 15 16

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The Hospitality Operations Manager

There is a documented API with developer registration, CSV downloads of reports, a marketplace covering accounting, e-invoicing and online ordering, and a named connector that turns every receipt into a Zoho Books invoice with customers matched and payments applied. We found no public information on a DATEV export or the DATEV cash archive, on webhooks, on booking with revenue accounts and tax rates, or on a complete export of articles, customers and sales at contract end — the agreement promises deletion or return of personal data only. 2 5 8 15 16

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The Fee-Conscious Merchant

Reports export as CSV, a documented API with developer registration syncs items, inventory, customers, invoices and payments, and the marketplace lists accounting, e-commerce and online-ordering connectors, including LoyBooks into Zoho Books at "From $29.99/month". For my tax office the gap hurts: we found no public information on a DATEV export or DATEV Kassenarchiv, on webhooks, or on a full export of articles, customers and fiscal journals when the contract ends — the data processing addendum covers only personal data returned or deleted, with backups deleted generally within 6 months. 2 5 8 15 16

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The Skeptic

There is a documented API with developer registration covering items, inventory, customers, sales and payment syncing, CSV report downloads, and an integrations marketplace whose one named accounting path is a third-party app by LoyBooks Ltd syncing receipts into Zoho Books. Beyond that I found no public information on a DATEV export, booking with revenue accounts and tax rates, webhooks, card-fee reconciliation, or a complete export of records when the contract ends. 2 5 13 16

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European sovereignty panel opinion

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How this is scored

Who the contracting entity and the parent company are, where sales, customer and employee data are hosted, and who the subprocessors are (hosting, cloud TSE, payment processing, receipt delivery, email, analytics). Independently sourced by the sovereignty pipeline; POS data is financial and fiscal at once, holds staff logins and customer cards, and has to stay readable for the tax office for ten years, so the whole chain counts, not only the database.

0 — Non-EU vendor and contracting entity, hosting unstated, subprocessors unnamed, and no data processing agreement offered.

3 — A privacy policy and a data processing agreement exist, but hosting location is unstated or non-EU and the subprocessors are not listed.

5 — EU hosting available and an EU contracting entity or EU representative, but parts of the chain (cloud TSE, payment processing, email, analytics, support) run through non-EU providers without a stated safeguard.

8 — EU hosting on named infrastructure, EU contracting entity, TSE provider and payment institution, subprocessors listed with their locations, a data processing agreement published, and security certifications (ISO 27001, SOC 2) stated.

10 — Sovereign end to end and evidenced: European ownership, entity, TSE, payment institution, hosting and every subprocessor, data export and deletion documented, and certifications published with their scope rather than implied.

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The Café Owner

Data is hosted on Amazon Web Services in Germany and a data processing agreement is published with GDPR scope, processor liability for subprocessors, transfer safeguards and a subprocessor list kept at a terms URL, though subprocessors are named only by purpose, not by provider and location. The pages name Loyverse Commerce Ltd at 41 Lothbury, London, in the Teya group; the capture notes AWS is US-headquartered under the US Cloud Act regardless of the German region, and we found no public information on security certifications or an EU contracting entity on the vendor's own pages. 7 8

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The Retail Shop Owner

The privacy policy states that data is hosted with Amazon Web Services in Germany, and a GDPR-scoped data processing addendum is published with an online sub-processor list, ten days' notice of changes, an objection right, audit rights after a security incident, and deletion or return of personal data at termination with backups generally deleted within 6 months. The contracting entity named in the addendum and the site footer is Loyverse Commerce Ltd, 41 Lothbury, London, outside the EU, and the German hosting region sits with a US-headquartered provider covered by the US CLOUD Act. We found no public information on sub-processor locations or on security certifications such as ISO 27001 or SOC 2. 7 8 14

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The Tax Adviser

Hosting is stated as Amazon Web Services in Germany, and a GDPR data-processing agreement is published with controller and processor roles, breach notification without undue delay, audit rights after a security incident, and a sub-processor list maintained with ten days' notice of changes; personal data is deleted or returned at termination. The entity named on every captured page is Loyverse Commerce Ltd. of London — not an EU company — and ownership is not stated. Sub-processors are described only by purpose, from hosting and backup through payment processing to analytics and support, without names or locations, the hosting provider is US-headquartered and subject to the US CLOUD Act regardless of the German region, and we found no public information on ISO 27001 or SOC 2 certification. 7 8 14

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The Hospitality Operations Manager

The privacy policy states hosting with Amazon Web Services in Germany, and a published GDPR-scoped data processing agreement sets processor roles, a sub-processor list reference with ten days' notice of changes, objection rights, audit after a security incident, and transfers via adequacy decisions or standard contractual clauses. The entity in that agreement is Loyverse Commerce Ltd of London, the sub-processor list's contents are not among the pages we read, and we found no public information on ownership or security certifications — with AWS under the US CLOUD Act regardless of the German region, I cannot yet show my works council and data protection officer the full chain behind my staff and loyalty-guest data. 7 8

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The Fee-Conscious Merchant

The privacy policy states hosting with Amazon Web Services in Germany, and a published data processing agreement gives audit rights after a security incident, sub-processor changes on ten days' notice, and adequacy-or-SCC safeguards for transfers; the group sits with Teya, and the legal pages name Loyverse Commerce Ltd in London as the entity, with a Cyprus company contracting outside the UK. But no sub-processor is named with a location — payment processing, analytics and support appear only by purpose — the hosting provider is US-headquartered under the US CLOUD Act regardless of the German region, and we found no public information on security certifications. 6 7 8

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The Skeptic

Hosting is stated as Amazon Web Services in Germany with a GDPR-scoped data processing agreement promising return or deletion on termination, backup deletion within six months, and liability for subprocessors — but the subprocessors are named only by purpose, the list page itself was not captured, and the US-headquartered cloud sits under the CLOUD Act regardless of the German region. The captured pages give the contracting entity as Loyverse Commerce Ltd of London — a UK, not EU, entity — while the sourcing pipeline names a Cyprus company for contracts outside the UK, and I found no public information on security certifications. 7 8 11

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Pricing transparency

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How this is scored

Whether a buyer can compute the real annual cost from public pages alone: licence per till or per location, which modules (tables, kitchen display, stock, extra tills, DATEV export) cost extra, the TSE and its yearly fee, hardware to buy or rent, card terminal fees and transaction fees, setup and installation, support plans, minimum term and notice period.

0 — No public prices at all; every customer is a sales call or a dealer quote.

3 — A starting price or a free tier exists, but how cost scales with tills, locations, modules or hardware is unclear.

5 — Plans are public with their price per till or location and main inclusions, but at least one commonly needed piece (the TSE, extra tills, hardware, card fees, setup) is unpriced or "on request".

8 — Every plan priced publicly with its scaling rule, the TSE, hardware and add-ons priced, card fees and terminal costs listed, setup and support priced, minimum term and VAT treatment stated.

10 — Complete price computability: annual cost derivable for a given number of tills, locations, modules and card volume, with every add-on, hardware, TSE, setup, support and payment fee and the cancellation and data-return terms published.

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The Café Owner

The pricing page is genuinely readable: the core till, kitchen display, customer display, loyalty, basic stock, sales analytics over 31 days and multi-store are all "Kostenlos", advanced stock at "€25/Monat pro filiale", employee management at "€5/Monat pro mitarbeiter", unlimited sales history at "€5/Monat pro filiale", annual billing "2 Monate gratis", a 14-day trial, 24/7 live chat included and prices "zzgl. Steuern". But hardware to buy or rent, terminal costs and card transaction fees, setup fees and any minimum term or notice period are unpriced on the captured pages, so the second-year total I want to read is not computable. 1 6 13 16

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The Retail Shop Owner

The pricing page publishes a clear scaling: the till, basic inventory, multi-store management, 31-day sales analytics, customer display, kitchen display and the loyalty program are free, advanced inventory at €25/Monat pro filiale, employee management at €5/Monat pro mitarbeiter, and unlimited sales history at €5/Monat pro filiale, with 14-day trials, 24/7 live chat on paid add-ons, two months free on yearly billing and prices excluding taxes. We found no public information on hardware prices, card terminal costs or transaction fees, setup fees, or minimum term and notice period, so the annual cost of a two-branch, card-taking setup cannot be computed from these pages. 1 6 11 13

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The Tax Adviser

The core till is published as free, together with basic inventory, the loyalty programme, the customer display, the kitchen display, multi-store management and 31-day sales reports, and the paid add-ons scale by published rules — advanced inventory at €25/Monat pro filiale, employee management at €5/Monat pro Mitarbeiter, unlimited sales history at €5/Monat pro Filiale — with two months free on yearly billing, 14-day trials, 24/7 live chat included and prices stated excluding taxes. We found no public information on card transaction fees, terminal costs, hardware prices, setup, or the minimum term and notice period, so the annual cost of a card-taking shop cannot be computed from the captured pages. 1 6

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The Hospitality Operations Manager

The core till is free and the paid add-ons carry public unit prices — advanced stock management €25/Monat pro Filiale, employee management €5/Monat pro Mitarbeiter, unlimited sales history €5/Monat pro Filiale — with 14-day trials, 24/7 live chat included, annual billing giving two months free, and prices stated excluding taxes. What I need to budget a full year across eight sites is absent from these pages: we found no public information on card fees and terminal cost, hardware, setup, or minimum term and notice period. 1 6

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The Fee-Conscious Merchant

The pricing page is unusually plain and seasonal-friendly: the till itself, basic stock, customer display, kitchen display, loyalty and multi-store management are "Kostenlos" — nothing to pay in my closed months — and the add-ons are priced exactly: "Erweiterte Lagerverwaltung €25/Monat pro filiale", "Mitarbeiterverwaltung €5/Monat pro mitarbeiter", "Unbegrenzter Verkaufsverlauf €5/Monat pro filiale", each with a 14-day trial, "2 Monate gratis" on yearly billing, and "Preise zzgl. Steuern". But the cost that decides my year is invisible: we found no public information on card fees, terminal costs, hardware prices, setup, or minimum term and notice period, so the real annual cost of a card-heavy stall cannot be computed from public pages. 1 6

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The Skeptic

The recurring cost is unusually legible: till, basic stock, customer display, kitchen display, loyalty and multi-store management are free, and every paid add-on carries a public unit price — "€25/Monat pro Filiale" for advanced stock, "€5/Monat pro Mitarbeiter" for employee management, "€5/Monat pro Filiale" for unlimited sales history — with 14-day trials, prices excluding taxes, and two months free on annual billing. What cannot be computed from the public pages: card and terminal fees (delegated to the payment partners), hardware prices, setup, and minimum term or notice period. 1 6 11 13

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European sovereignty — proven facts

0 of 6 dimensions proven

Built only from facts shown on the vendor's own pages. A dimension we could not prove is left open, not scored as zero.

Hosting location Not determined ⚠ unverified — uncited Report an error
Hosting options Not determined — uncited Report an error
Open source Not determined — uncited Report an error
Data processing agreement Not determined ⚠ unverified — uncited Report an error
Transfer impact assessment Not determined — uncited Report an error

Questions about Loyverse POS

Is Loyverse POS European?

Yes, though not from the EU. whats-best.ai classifies Loyverse POS as UK / wider Europe.

Where does Loyverse POS store data?

The default storage location for customer data is not stated on the vendor’s pages as of 1 Nov 2026. The vendor’s pages mention Germany as hosting location, per the vendor’s page captured 29 Oct 2026.

Does Loyverse POS have a free plan?

Not stated on the vendor’s pages as of 1 Nov 2026.

What are the best alternatives to Loyverse POS?

As of 3 Nov 2026, the panel rates ready2order (3.5/5), Square (3/5) and Gastronovi (3/5) highest among the other 18 POS & Checkout Systems products evaluated. Ratings that look equal are rounded to half stars; the order uses the unrounded rating, then the name. The highest-rated European alternative is ready2order (EU-Made). Ratings are the AI panel’s opinion, formed from public evidence: how scores are made. The full list, with European products first: Loyverse POS alternatives.

Where this could be wrong

What we left out

A claim that does not survive our checks costs us the claim, not the page. This is what was taken off this one.

Sources (17)

The pages every claim on this page was read from — each one checked, dated, and kept verifiable.

  1. 1 Vendor homepage loyverse.com Checked 29 Oct 2026 Details →
  2. 2 Features page (till functions) loyverse.com Checked 29 Oct 2026 Details →
  3. 3 Features page (stock) loyverse.com Checked 29 Oct 2026 Details →
  4. 4 Features page (multi-store) loyverse.com Checked 29 Oct 2026 Details →
  5. 5 API documentation loyverse.com Checked 29 Oct 2026 Details →
  6. 6 Pricing page loyverse.com Checked 29 Oct 2026 Details →
  7. 7 Privacy policy loyverse.com Checked 29 Oct 2026 Details →
  8. 8 Data processing agreement (dpa) loyverse.com Checked 29 Oct 2026 Details →
  9. 9 Checkout, receipts & hardware — found from sitemap help.loyverse.com Checked 29 Oct 2026 Details →
  10. 10 Checkout, receipts & hardware — found from sitemap help.loyverse.com Checked 29 Oct 2026 Details →
  11. 11 Card payments & fees — found from sitemap loyverse.com Checked 29 Oct 2026 Details →
  12. 12 Card payments & fees — found from sitemap help.loyverse.com Checked 29 Oct 2026 Details →
  13. 13 Inventory, tables, staff & locations — found from sitemap loyverse.com Checked 29 Oct 2026 Details →
  14. 14 Inventory, tables, staff & locations — found from sitemap loyverse.com Checked 29 Oct 2026 Details →
  15. 15 Accounting handoff, DATEV & data export — found from sitemap loyverse.com Checked 29 Oct 2026 Details →
  16. 16 Accounting handoff, DATEV & data export — found from sitemap loyverse.com Checked 29 Oct 2026 Details →
  17. 17 Terms of service — found from the homepage loyverse.com Checked 1 Nov 2026 Details →