Best POS Terminals for Sole Traders in Croatia 2026

The question "can I pay by card?" is now heard at the market just as often as in the shop. POS terminals cost from 0 to around a hundred euros, and many providers charge neither a monthly fee nor a contract commitment. This guide is for Croatian sole traders (obrtnici), lump-sum businesses (paušalisti), family farms (OPG) and small companies that are just starting with card payments or looking for a cheaper option. We compared seven providers that accept Croatian merchants, based on official price lists published on 6 October 2026. The biggest differences are the percentage per transaction, the monthly fee and whether money goes straight to your bank or to an account with the provider. We left out Revolut, PayPal Zettle and Stripe, because in Croatia they currently have no ready in-person payment solution.

Quick overview: best POS terminals 2026

Fees are for domestic and European consumer cards. Click a name for the official price list.

POS terminals differ in fees, device price, payout time and cash register support, so below we break down each provider with pros, cons and our opinion.

1. SumUp Solo

Photo: SumUp, Wikimedia Commons

SumUp Solo is our best overall pick because a lump-sum business can start with no monthly fee and, once turnover grows, switch to the lowest fee on the market. According to SumUp's price list the Solo device costs 79 € excluding VAT, or 98.75 € including VAT, and works on its own over WiFi and a SIM card. Without a subscription the fee is 1.95% for all cards. With the Plaćanja Plus plan at 19 € a month excluding VAT, the fee drops to 0.79% for personal debit and credit cards, while Amex, premium, business and non-EU cards stay at 1.95%. There is no contract commitment, and SumUp offers a 30-day money-back guarantee.

Pros: no monthly fee or contract, the lowest fee on the market with Plaćanja Plus, simple online sign-up.

Cons: 1.95% without a subscription is expensive, no built-in Croatian fiscalization, SumUp's pages state different payout times.

Our opinion: For a lump-sum business taking a few hundred euros a month by card, SumUp is the simplest start. Once monthly card turnover passes roughly 3,700 €, switch on Plaćanja Plus and the fee falls by more than half. You still need a separate fiscal cash register.

2. myPOS Go 2

Photo: myPOS, mypos.com

The myPOS Go 2 is the cheapest standalone device in the comparison, and the money is in your account right after the payment. According to myPOS the device costs 39 € excluding VAT and works over a SIM card and WiFi. Up to 10,000 € of monthly turnover, the fee for domestic and European consumer cards is 1.69% + 0.05 € per transaction. For Amex it is 2.49% + 0.05 €, and for other consumer and business cards 2.89% + 0.05 €. Money arrives in the myPOS e-wallet, and transferring it to your bank is a separate step. There is no monthly fee or contract commitment.

Pros: the cheapest standalone device, instant payout to the myPOS account, free business Mastercard card.

Cons: the fixed 0.05 € per transaction makes small amounts more expensive, money does not go straight to the bank, business and non-EEA cards cost 2.89%.

Our opinion: For a family farm at the market, a stall at a fair or a seasonal business on the coast, myPOS is a practical choice. You can spend the money straight away with the myPOS card, without waiting for the bank, which is rare among the POS terminals in this comparison. If you take many small amounts, those 5 cents per transaction add up quickly.

3. Worldline Android SmartPOS

Photo: Worldline, Wikimedia Commons

The Worldline Android SmartPOS is the best choice for businesses with steady monthly card turnover. According to Worldline the fee depends on turnover: up to 3,000 € a month 1.35%, from 3,001 to 6,000 € 1.25%, and from 6,001 to 9,000 € 1.15%. Above that the offer is on request. There is a minimum monthly fee of 20 € for the first terminal and 15 € for each additional one, but if the turnover-based fees exceed that amount, you only pay those. Money reaches your bank the next working day. The device is an Android SmartPOS with a printer, and there is also a Tap on Mobile app for Android.

Pros: a lower percentage than SumUp and myPOS for businesses with turnover, payout the next working day straight to the bank, local 24/7 support.

Cons: a 20 € minimum even in months without turnover, business and non-EEA cards up to 1.5 percentage points more expensive, the device price is not shown separately.

Our opinion: A café, hair salon or shop taking 2,000 € or more a month by card will pay less with Worldline than with most of the competition. Below roughly 1,480 € of turnover you pay the 20 € minimum, so for occasional payments SumUp or myPOS are better.

4. Viva.com Terminal

Photo: Viva.com, Wikimedia Commons

Viva.com Terminal is an app that turns your phone into a POS device, so you do not need to buy a separate terminal. The customer taps their card or phone on your Android or iPhone. According to Viva.com's price list the fee for domestic and European consumer cards is 1.69% per transaction, with a minimum of 0.03 €. The price list also publishes an IC++ model, where you see the interchange fee of 0.20% for debit and 0.30% for credit cards. Money arrives instantly in your Viva.com account, 365 days a year.

Pros: no separate device needed, instant payout, a transparent price list with an IC++ model.

Cons: no built-in Croatian fiscalization, money does not go straight to the bank, partner device prices are not published.

Our opinion: For a tradesman, taxi driver or courier who already has a fiscal app on their phone, Viva.com is the simplest solution, because classic POS terminals are not needed. You carry no extra device and pay nothing for one. Before signing up, check that your cash register supports Viva.com.

5. Monri SoftPOS

Photo: Monri, monri.hr

Monri is a Croatian company and the only provider in the comparison that sells fiscal cash registers alongside card acceptance. According to Monri the range includes the Monri SoftPOS app, the SinglePOS terminal and the Remaris, Thor and Mobilna blagajna Start cash registers. SinglePOS accepts cards from several banks and instalment payments on one device. Fees are not published, and SoftPOS has a monthly fee per activated app that includes maintenance and a licence. Monri has also published a guide to Fiscalization 2.0.

Pros: cash register, fiscalization and card acceptance from one domestic supplier, SinglePOS accepts cards from several banks and instalments.

Cons: no public price list, a monthly fee per SoftPOS app.

Our opinion: If you are opening a café or shop and do not want to match one supplier's cash register with another's POS, Monri is the logical choice. One contract and one support line for everything. Ask for an offer and compare it with Worldline before signing.

6. Teya Pro

Photo: Teya, teya.com

Teya Pro is an Android terminal from the provider Teya, which also offers Teya Lite and Tap to Pay on iPhone and Android. According to Teya there is no universal price list; fees are tailored to turnover, industry and average transaction, and an IC++ model is also available. Money arrives the next working day, with an option of daily payouts including weekends. Teya connects to more than 200 ePOS systems. There is no contract commitment and no setup fee.

Pros: payouts at weekends too, a free business account, many cash register integrations.

Cons: no public price list, you need to send turnover statements for an offer.

Our opinion: Teya is for businesses that already have turnover and want to negotiate the fee. If another provider offers you a percentage, take that offer to Teya. For a beginner with no turnover history, it is simpler to start with a provider that has a public price list.

7. PBZ Card SoftPOS

Photo: PBZ Card, pbzcard.hr

PBZ Card SoftPOS is an app from the domestic provider PBZ Card that turns an Android phone into a POS device. According to PBZ Card the app is currently free and needs Android 10 or newer with NFC. With a classic terminal, PBZ Card also accepts Diners, Amex and UnionPay and offers instalment payments with PBZ cards in 2 to 36 instalments. You do not have to be a PBZ customer. Fees are agreed by contract and are not published.

Pros: a domestic provider accepting Diners, Amex and UnionPay on the terminal, instalment payments with PBZ cards, you do not need to be a PBZ customer.

Cons: no published fees, SoftPOS works only on Android, signing the contract takes longer.

Our opinion: If you sell more expensive goods or services, such as furniture or dental care, instalment payments can bring extra customers. That is where PBZ Card has an edge over fintech providers. For a small lump-sum business, POS terminals with online sign-up are simpler.

How much POS terminals really cost: an example

The percentage on paper does not tell the whole story, because some providers add a fixed amount per transaction or a monthly minimum. We calculated an illustrative monthly fee cost for domestic consumer cards, based on public price lists. The device price is not included.

SumUp's monthly subscription is shown excluding VAT. For Monri, Teya and PBZ Card a calculation is not possible because their fees are not public.

The table shows the rule: with low turnover, POS terminals with no monthly fee are the cheapest, and with higher turnover a subscription or a provider with a lower percentage pays off. Business and non-EU cards cost more with every provider. EU Regulation 2015/751 caps the interchange fee at 0.2% for debit and 0.3% for credit consumer cards, according to EUR-Lex. Everything above that is the provider's and card schemes' margin.

POS terminals and Fiscalization 2.0

From 1 January 2026, fiscalization of consumer (B2C) receipts in Croatia covers all payment methods, including cards, according to the Tax Administration. That means a POS terminal alone is not enough: every receipt must go through a fiscal cash register or app.

None of the providers in the comparison state on their Croatian pages that their payment app has built-in Croatian fiscalization. The exception is Monri, which sells its own fiscal cash registers. With the others, check whether your cash register supports that provider. Read more about common mistakes in our guide Top 7 Fiscalization 2.0 Mistakes.

Conclusion

Which POS terminals are best depends on your monthly turnover and whether you need the money straight away. For lump-sum businesses and occasional payments SumUp Solo is the best choice, because it has no monthly fee and, with Plaćanja Plus, the lowest fee on the market. For steady turnover of a few thousand euros a month Worldline is the best value, and myPOS is the best for mobile work and instant access to money.

Traders who already have a fiscal app on their phone will find Viva.com Terminal the easiest start. For cafés that want everything from one supplier there is Monri, and for selling more expensive goods in instalments PBZ Card.

Before you choose POS terminals, work out how much you take by card each month and check which providers your fiscal cash register supports. Fees change, so check them on the official price list before signing.

Frequently asked questions

What are the cheapest POS terminals for lump-sum businesses?

With low turnover, the cheapest POS terminals are those with no monthly fee: SumUp (1.95%), myPOS (1.69% + 0.05 €) and Viva.com (1.69%). Viva.com does not even require buying a device, as it runs on a phone. Once card turnover passes a few thousand euros a month, SumUp Plaćanja Plus or Worldline pays off.

How much does a POS device cost?

According to official price lists, the myPOS Go 2 costs 39 € excluding VAT and the SumUp Solo 79 € excluding VAT. Viva.com, SumUp, myPOS and PBZ Card also offer an app that turns a phone into a POS device without extra hardware. With Worldline, the device is included in the minimum monthly fee.

Is a POS terminal enough for fiscalization?

No. From 1 January 2026, receipts paid by any method, including cards, must be fiscalized. A POS terminal only accepts the payment, and you still have to issue the receipt through a fiscal cash register or app. Check that your cash register supports the chosen provider.

When does card money reach my account?

It depends on the provider. myPOS and Viva.com put the money instantly into their own account, from which you transfer it to your bank. Worldline and Teya pay out the next working day straight to the bank, and Teya also offers weekend payouts. SumUp states one to three working days.

Can I accept cards on my phone without a device?

Yes. SumUp, myPOS, Viva.com, Teya and Worldline offer Tap to Pay or SoftPOS apps that turn an NFC phone into a POS device. PBZ Card and Erste offer similar apps for Android. The customer taps their card or phone on your phone.

Why are business cards more expensive?

The interchange fee is capped by EU regulation only for consumer cards issued in the EU, at 0.2% for debit and 0.3% for credit. That cap does not apply to business cards and non-EU cards, so every provider charges more for them, for example myPOS 2.89% + 0.05 € and Worldline up to 1.5 percentage points more.

How we chose

We chose the POS terminals in this comparison by transaction fee, monthly fee, device price, payout time, contract commitment and fiscal cash register support. We took all fees from the providers' official Croatian price lists on 6 October 2026, and where a price list is not public, we wrote "on request". We first checked which providers actually accept Croatian merchants and found eight. We left out Erste Card Club because it has no public fees and offers a similar service to PBZ Card. We did not include Revolut, PayPal Zettle and Stripe, because in Croatia they have no ready in-person payment solution. We did not test the devices physically. Fees change, so check them with the provider before signing.

Sources and references

1. SumUp - price list for Croatia: sumup.com
2. myPOS - prices and fees: mypos.com
3. Viva.com - price list for Croatia: viva.com
4. Worldline Croatia - POS with lower fees: worldline.com
5. Croatian Tax Administration - fiscalization of consumer receipts: porezna-uprava.gov.hr
6. Regulation (EU) 2015/751 on interchange fees: eur-lex.europa.eu
7. Teya - pricing: teya.com

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