Fiserv Leads Javelin's 2025 Small-Business Point-of-Sale System Scorecard; Square and Epos Now Named Overall Leaders

Core Insights - The 2025 Small-Business Point-of-Sale (POS) System Scorecard by Javelin Strategy & Research highlights a competitive market where POS providers are innovating rapidly to meet the demands of small businesses for sophisticated and customizable solutions [1][2] Group 1: Vendor Evaluation - The scorecard evaluates ten leading vendors across four key categories, focusing on their ability to help banks, payment processors, and independent sales organizations attract and retain merchant accounts [2] - Fiserv's Clover is recognized as the Best-in-Class provider, noted for its powerful client acquisition capabilities and deep feature customization for various business verticals [3] - Square and Epos Now received Overall Leader distinctions, with Square offering a robust suite of features appealing across multiple industries, while Epos Now is praised for its flexibility and adaptability [4] Group 2: Market Dynamics - There is significant investment in research and development among POS providers, likened to an "arms race," as they aim to capture the small business market, which is seen as a long-term profitable customer base [5] - Approximately 95% of U.S. small businesses with annual sales under $1 million are seeking affordable and intuitive POS platforms that extend beyond basic payment processing [5] - As technology costs decrease, comprehensive POS systems are becoming accessible to businesses that previously relied on basic payment terminals, with a growing preference for multi-functional platforms [6]