When it comes to accepting payments, one of the most common questions business owners ask is: “Do I really need a point of sale (POS) system?” The truth is, it depends on how your business operates.

A POS system is more than just a way to take payments. It can track inventory, manage employees, record customer data, and integrate with accounting tools. For businesses like restaurants, salons, and retail stores, a good POS system can save hours each week while improving accuracy and customer experience.

However, that doesn’t mean you need to spend a fortune. POS systems should never cost hundreds each month if you’ve paid for the equipment up front. Many providers push excessive monthly fees for basic features — something we believe is unnecessary and unfair to business owners.

At Kelley & Co Strategies, we help business owners find the perfect balance — whether that’s a full-featured POS, a tablet setup, or a simple reader. Our goal is to make sure you get what you actually need, without paying for extras you’ll never use.

Key takeaway: The right POS system should simplify your business and pay for itself — not become another costly monthly bill.