What does RetailPOS cost in PKR?

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How much will payment processing cost?

Is custom-build POS worth considering?

What's the 3-year total for a single shop?

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POS price in Pakistan in 2026 — what a retail till actually costs in PKR

Last reviewed 2026-05-27 · by the RetailPOS team

Pakistani retailers shopping for a POS get quoted prices that range from PKR 0 (free shareware) to PKR 500,000+ (custom-build Windows POS with bespoke development) for what looks superficially like the same product. The honest breakdown lives in the total cost over 3 years — software subscription, hardware, FBR integration, payment-terminal fees, ongoing support, the upgrade-or-rewrite cost when the vendor disappears. This guide breaks down what a working POS actually costs in PKR for a typical Pakistani retail shop in 2026.

The TL;DR: a healthy cloud POS subscription costs PKR 8,000-25,000 per shop per month depending on tier; hardware costs PKR 100,000-250,000 per till for a decent setup with iPad + receipt printer + cash drawer + barcode scanner; payment terminal + mobile-money fees are transaction-percentage rather than subscription; FBR integration ranges from included-in-subscription (RetailPOS) to PKR 5,000-15,000 per month additional (PSI partners) to PKR 200,000+ one-time (custom build). 3-year total for a single shop typically lands between PKR 450,000 and PKR 1,200,000 all-in.

Software subscription — the monthly base cost

Most modern POS systems charge a monthly per-shop subscription. Pakistan market 2026:

RetailPOS — USD-priced subscription at the platform level (single tier on every plan, multi-store + offline + recipe-based inventory included). At current PKR exchange rate, around PKR 8,000-19,500 per shop per month depending on tier. Free until your first 100 sales — onboarding period is genuinely cost-free.
Loyverse Pakistan — free base tier with paid add-ons (Inventory Management, Employee Management, etc.). All-in for typical multi-shop retail with full features: PKR 5,500-12,000 per shop per month. Free tier exists but lacks the integrations needed for tier-1 FBR.
Regional Windows POS (custom Windows-based, Karachi/Lahore-based vendors) — typically one-time license PKR 35,000-150,000 per till plus annual maintenance contract PKR 15,000-45,000. Looks cheap in year 1; ages into cost in year 2+.
International (Square, Toast, Lightspeed) — most don't operate in Pakistan formally. Where workarounds exist (international card to subscribe, VPN), pricing is USD-only and converts unfavourably; FBR integration absent.
Custom build — bespoke development PKR 800,000-2,500,000 one-time + 15-25% annual maintenance. Made sense in 2010; rarely the right answer in 2026 except for genuine multi-location enterprise with specialised compliance requirements.

The honest comparison: per-shop per-month, RetailPOS and Loyverse Pakistan are roughly competitive on price. The difference shows in the tier-1 FBR integration (included in RetailPOS, add-on in Loyverse), the multi-shop handling (multi-store on every plan in RetailPOS, separate-paid feature in Loyverse), and the offline reliability (genuine offline-first architecture in RetailPOS, sync-required mostly in Loyverse).

Hardware — what a till actually costs in PKR

A working POS till needs the iPad/tablet/PC, receipt printer, cash drawer, barcode scanner, customer-facing display (optional), card terminal (typically bank-provided separately). PKR breakdown for a decent setup:

iPad 9th-10th gen new via Apple Premium Reseller (iStudio): PKR 95,000-145,000. iPad refurb via Daraz / Wholesale.com.pk / grey-market import: PKR 60,000-95,000 (warranty caveat).
Receipt printer — Star TSP143IIIBI Bluetooth: PKR 35,000-50,000. Epson TM-m30II: PKR 38,000-55,000. Star + Epson via Karachi-based distributors (POS World Pakistan, Edge, Bizappers).
Cash drawer — APG, CCD-Korea 16-inch with bill compartments: PKR 18,000-30,000.
Barcode scanner — Honeywell or Zebra via local distributor: PKR 18,000-32,000. Symbol-rebrand from local-market wholesalers: PKR 6,000-12,000 (reliability varies; for high-volume shops, brand-name pays back).
Customer-facing display — secondary iPad or USB customer display: PKR 25,000-65,000.
UPS — 4-6 hour runtime for printer + iPad: PKR 12,000-25,000.

Single till entry-level setup (iPad refurb + Star printer + APG drawer + cheap scanner): PKR 130,000-165,000 all-in.

Single till mid-market setup (iPad new + Star printer + APG drawer + Honeywell scanner + customer display + UPS): PKR 220,000-310,000 all-in.

Hardware lasts 3-5 years with reasonable care. Amortising the mid-market setup over 4 years: roughly PKR 5,500-8,000 per month per till in hardware amortisation.

Payment terminal + transaction fees

Card terminals in Pakistan are typically bank-provided (HBL POS, Meezan POS, Faysal POS) with either a monthly rental + per-transaction fee or transaction-percentage-only structure. Rates change; current direction:

Monthly terminal rental: PKR 0-3,500 depending on bank + negotiation.
Transaction percentage: 1.5-2.5% per card transaction (debit cards lower, credit cards higher).
Foree Pay / digital-only options: similar percentage, no terminal hardware needed.

Easypaisa + JazzCash mobile-money: typically a per-transaction percentage (verify current rate with provider), no terminal hardware (QR code on till screen). Often slightly cheaper than card processing; varies by tier and volume.

For a shop doing PKR 1.5 million/month in total revenue with 35% card + 25% mobile money + 40% cash: card fees roughly PKR 11,000-13,000/month, mobile- money fees roughly PKR 5,000-8,000/month, cash fees zero. Total payment processing cost: PKR 16,000-21,000/month.

This is the same regardless of which POS software you use (the processor and provider relationship is separate from the POS subscription); but a POS that doesn't support all three tender types natively forces workarounds that lose audit trail and ultimately cost more in reconciliation overhead.

FBR e-invoicing — included vs add-on vs custom

FBR integration cost varies dramatically by vendor:

RetailPOS — included in the standard subscription for standard retail categories. No per-invoice fee, no separate PSI relationship needed.
Loyverse Pakistan + PSI — requires a separate PSI (POS Service Integrator) relationship. PSI fees typically PKR 5,000-15,000 per month per till plus sometimes a per-invoice fee. Adds latency to checkout (PSI sits between your POS and FBR).
Regional Windows POS — integration varies. Some include it; some require add-on module (one-time PKR 50,000-200,000 plus annual maintenance).
Custom build — typically PKR 200,000-500,000 one-time for FBR integration as part of the custom build, plus ongoing maintenance.

For tier-1 retailers, FBR integration is non-negotiable. The hidden cost differential between an included-in-subscription POS and a PSI-add-on POS is often PKR 60,000-150,000 per shop per year — meaningful at scale and even at single-shop scale over a 3-year period.

The 3-year total cost — single shop, side by side

Realistic 3-year all-in cost for a Pakistani tier-1 retail single-shop with single till, doing PKR 1.5 million/month revenue:

RetailPOS path:

Software subscription (mid-tier): PKR 14,000/month × 36 months = PKR 504,000
Hardware (mid-market setup, amortised): PKR 250,000 one-time
Payment processing (40% card + mobile money): PKR 17,000/month × 36 = PKR 612,000
FBR integration: included in subscription
Support + training: included
3-year total: PKR 1,366,000

Loyverse Pakistan + PSI path:

Loyverse subscription with full features: PKR 9,000/month × 36 = PKR 324,000
PSI for FBR integration: PKR 10,000/month × 36 = PKR 360,000
Hardware: PKR 250,000 one-time
Payment processing: PKR 17,000/month × 36 = PKR 612,000
Support: per-incident, allow PKR 30,000-50,000 over 3 years
3-year total: PKR 1,586,000

Regional Windows POS path:

License + FBR add-on one-time: PKR 250,000
Annual maintenance: PKR 30,000 × 3 = PKR 90,000
Hardware: PKR 250,000 one-time
Payment processing: PKR 17,000/month × 36 = PKR 612,000
Support + customisation: allow PKR 80,000-150,000 over 3 years
3-year total: PKR 1,310,000 (but with version-lock-in and vendor-disappearance risk)

Custom build path:

Custom development + FBR integration: PKR 1,500,000 one-time
Annual maintenance + bug fixes: PKR 250,000 × 3 = PKR 750,000
Hardware: PKR 250,000 one-time
Payment processing: PKR 17,000/month × 36 = PKR 612,000
3-year total: PKR 3,112,000 (plus key-person dependency risk)

The honest takeaway: for a typical Pakistani tier-1 retail shop, modern cloud POS (RetailPOS or competitive equivalents) is roughly PKR 200,000- 300,000 cheaper over 3 years than the regional Windows POS path once FBR integration and ongoing-maintenance reality are priced in, and dramatically cheaper than custom build. Loyverse with PSI is competitive but loses the single-vendor-accountability advantage.

Multi-shop economics — where the gap widens

For multi-shop operations, the per-location economics drive the choice harder. RetailPOS' multi-store-on-every-plan means a 4-shop operation pays the same per-shop subscription as a 1-shop operation; total scales linearly. Many regional Windows POS vendors charge per-license per-till; some international platforms charge a multi-location premium tier; PSI fees multiply per shop.

For a 4-shop Karachi+Lahore+Islamabad operation, 3-year totals diverge: RetailPOS path roughly PKR 4-4.5M all-in; Loyverse+PSI path PKR 5.5-6M; regional Windows POS path PKR 4.5-5M but with each shop's upgrade scheduled independently. The total saving on RetailPOS at multi-shop scale usually pays for the head-office finance person tracking it.

Hidden costs to watch for

Quotes that look attractive sometimes hide:

Per-transaction overage fees — some POS subscriptions cap transactions per month; busy shops hit overage during Eid/wedding season at unfavourable rates.
Receipt-printer paper — recurring consumable, PKR 800-1,800 per month per till.
Internet connectivity — assume PKR 3,000-6,000/month per shop for reliable broadband; budget UPS-and-mobile-data-failover for tier-2 cities.
Cashier training + churn — every cashier change is half a day of training. Budget 3-6 cashier turnovers per year per shop for the typical Pakistani retail workforce.
Annual price increases — both subscription and PSI fees typically increase 5-15% annually. Build into your 3-year projection.
End-of-life hardware — iPads phased out by Apple around year 5; budget the replacement.

Frequently asked

What does RetailPOS cost in PKR?: The subscription is priced in USD at the platform level; at current PKR exchange rate, around PKR 8,000-19,500 per shop per month depending on tier. Free until your first 100 sales for genuine onboarding. See /pricing/pk for the current PKR-converted tier breakdown.
Is the FBR integration extra?: For standard retail categories on RetailPOS — no, it's included in the standard subscription. No per-invoice fee, no separate PSI relationship needed. Specialised categories (jewellery, pharma) may have category-specific arrangements; confirm at sign-up.
Should I buy iPad new or refurbished?: Refurbished from a reputable source (Apple Premium Reseller refurb, large-volume Daraz seller with warranty) saves PKR 35,000-50,000 per till and works fine for POS. Grey-market import is cheaper still but warranty support is informal. Match the choice to how critical till uptime is for your shop.
How much will payment processing cost?: Card processing 1.5-2.5% per transaction depending on card type + bank; mobile money similar. For a shop doing PKR 1.5M/month revenue with typical card + mobile-money mix, expect PKR 15,000-22,000/month in processing fees. Same regardless of POS software.
Is custom-build POS worth considering?: Rarely in 2026. Custom build costs PKR 1.5-2.5M one-time plus PKR 250K/year maintenance; modern cloud POS handles 95%+ of Pakistani retail requirements at a fraction of the cost. The exception is genuine enterprise multi-location operations with specialised compliance requirements outside standard FBR scope.
What's the 3-year total for a single shop?: Typical Pakistani tier-1 single-shop, mid-market hardware, PKR 1.5M monthly revenue: PKR 1.3-1.4M all-in over 3 years on RetailPOS (including software, hardware, processing, FBR). Other paths run higher; see the breakdown above for the side-by-side comparison.

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