myPOS fees: real costs, hardware and the comparison with RoxPay
myPOS stands out in the card-terminal market with a precise choice: the hardware is bought at list price, instead of staying on free loan like Dojo or on lease like bank contracts. This difference changes the logic with which you read myPOS fees, which must be added to the hardware purchase cost to reconstruct the total. This guide examines myPOS costs line by line, shows how the model works on real turnover and compares the total with RoxPay's public pricing (€0.15 + 0.35% to 0.85% (IC++)), with no hardware to buy back.
myPOS vs RoxPay: cost structure
| Provider | Pricing model | POS hardware | Monthly fee |
|---|---|---|---|
| myPOS | Blended, fixed rate per plan and card scheme | Terminal bought at list price | No monthly rate on the bought hardware |
| RoxPay | €0.15 + 0.35% to 0.85% (IC++) | Android POS included in the contract | No monthly fee |
On myPOS the effective cost depends on the combination of tariff plan, card scheme and the type of terminal bought.
Who is myPOS and how it differs from loan terminals
myPOS is a payment provider for physical merchants, known in retail for smart touchscreen terminals that are bought at list price. It is the opposite of the free-loan schemes like Dojo or the lease plans of bank proposals: the merchant pays once and carries no monthly rate for the terminal.
The second piece of the evaluation is the operating rates, which on myPOS are differentiated by plan and by card scheme. There is no single percentage on every operation: the cost depends on the card the customer pays with, and the comparison must run on the real transaction mix, not on the headline rate sheet.
For a comparative view of the low-cost provider cluster, there is the [guide to affordable POS with Axerve, SumUp, myPOS, Nexi and Flatpay](/en/resources/affordable-pos-comparison), where myPOS is examined inside its own hardware price band.
How much myPOS terminals and transaction rates cost
The myPOS cost has three components. The first is the terminal, bought once at list price depending on the model chosen. The second is the per-transaction rate, differentiated by tariff plan and by the card scheme the customer pays with. The third groups the operating items to check on the tariff sheet: account activation charges, hardware replacement, dedicated rates on remittances and non-EEA cards.
The practical check is made by summing the rates on real turnover: for a merchant collecting 5,000 euro a month with 100 transactions of 50 euro, the mypos fees depend on the customer mix, and on profiles rich in non-EEA or premium cards the effective cost approaches 2%. The purchased terminal cost pays off over time and should be spread over the year of use, not the first month.
With IC++ pricing on the same volume, the €0.15 fixed fee per transaction yields 15 euro of certain cost, plus a variable between 0.35% and 0.85%: on 5,000 euro of turnover the indicative total stays at 33-58 euro, with every item visible on the statement. The method is the one in the guide to [calculating IC++ fees](/en/resources/calculating-payment-fees-ic-plus-plus).
myPOS vs RoxPay: bought hardware or public IC++
myPOS has a clear profile in the physical channel for micro-businesses: a terminal paid once, with no monthly rate, paired with differentiated operating rates. It is a model that stays relevant for occasional collection, with quick payments and small receipts and no continuous volumes.
With a growing merchant and continuous takings the advantage inverts: the blended rate, which does not separate the real cost of cards from the provider's margin, becomes the heaviest item on the annual balance, especially on non-EEA and premium cards. With RoxPay's IC++ pricing (€0.15 + 0.35% to 0.85% (IC++)) every component appears as a separate line on the statement, and the gateway also covers the online channel without a second contract.
For the point-by-point analysis on rates and terms the [RoxPay vs myPOS](/confronto/mypos) page remains the reference; for the comparison between the two most common consumer processors the analysis on [RoxPay vs SumUp](/en/resources/sumup-fees-roxpay-comparison) is also useful, while an overview of the market providers sits in the [gateway comparison](/en/resources/payment-gateway-fees-comparison).
Frequently Asked Questions
Does myPOS charge a monthly fee?
On the hardware no: the myPOS terminal is bought at list price and is not handed over on loan with a fixed rate. The per-transaction fees still apply, following the tariff plan and the card scheme of the card.
Does myPOS pay off at high volumes?
With a merchant collecting more than a few thousand euro a month, a blended rate per plan and scheme weighs increasingly on the volume, added to the terminal purchase cost. Public IC++ pricing like RoxPay's typically stays lower on the same volume.
Who is better between myPOS and SumUp?
They are different commercial models: myPOS sells the terminal upfront with differentiated rates, while SumUp offers the POS without purchase with a flat 1.95% commission. On continuous volumes, RoxPay's €0.15 + 0.35% to 0.85% (IC++) pricing typically produces a lower cost.
Does myPOS suit a shop with recurring sales?
With recurring sales the fees multiply on every operation: a gateway with IC++ pricing (RoxPay's €0.15 + 0.35% to 0.85%) is the better fit, where the cost per collection stays below 2% and the terminal is included in the same contract.
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