Lightspeed Payments
Lightspeed Payments: A capable Lightspeed-native processor with useful payment tools and a $89 monthly starting price. Ranked #37 of 72 in Payment Processing Software by our editors (5.7/10); pricing: Paid; best for lightspeed users needing integrated payments.
At a glance
- Editor score5.7 / 10
- PricingPaid
- Best forLightspeed users needing integrated payments
- Free planNo
- Paid from$89/mo
- Payment methodsCredit cards, debit cards, Visa, Mastercard, American Express, Diners Club, Apple Pay, Google Pay, ACH direct debit
- Founded2005 · Montreal, Québec, Canada
- Facts checked20 Sep 2026
Where it wins
- Supports terminal, online, wallet, link, and recurring payments
- Includes refunds, chargeback management, reporting, and transaction tracking
- Offers daily, same-day, and instant payout options
Where it doesn't
- Starts at $89 per month with no free plan
- Multi-currency payments are not supported
- Core and Plus are needed for API access, SSO, or custom roles
Our verdict on Lightspeed Payments
Lightspeed Payments is a payment processor for businesses running Lightspeed Retail POS or Lightspeed eCom. It covers in-person credit and debit card acceptance through terminals, online checkout, digital wallets, payment links, recurring ecommerce subscriptions, refunds, chargeback management, and payment reporting. Retailers can also accept manually entered or card-not-present payments and split a transaction across multiple payment types. It fits independent retailers and growing businesses operating physical stores, online shops, or both, particularly when payment processing needs to stay connected to a Lightspeed environment.
Pricing starts with the Basic plan at $89 per month. It includes integrated payments, one register, a 1.5% Lightspeed Payments card-present rate, 24/7 chat support, and 24/7 phone support. Core costs $149 per month and adds API access and SSO while retaining the same included register and advertised card-present rate. Plus costs $289 per month and adds custom user roles and SSO. The advertised Retail X-Series prices and rate may vary by region, business type, product edition, and additional service fees. Payouts can be scheduled daily, same-day, or instantly, with availability varying by market and product edition.
The main advantage is breadth within a Lightspeed setup: the service combines physical checkout, ecommerce payments, payment links, recurring billing, refunds, chargebacks, and transaction tracking rather than focusing only on card acceptance. It is available on web, iOS, and Android, and integrates with Lightspeed Retail POS and Lightspeed eCom. Businesses needing multi-currency payments should look elsewhere, and the monthly entry price may not suit smaller operations seeking a free or low-commitment processor. Lightspeed users that want connected payments and can justify the subscription are the clearest fit; businesses outside the Lightspeed ecosystem should consider alternatives.
Your product? Our editors can test Lightspeed Payments in depth and publish a review, labelled as paid · from $149/mo →
Lightspeed Payments pricing
All 3 Lightspeed Payments plans and prices →
Lightspeed Payments fact sheet
| Free plan | No |
|---|---|
| Paid from | $89/mo |
| Payment methods | Credit cards, debit cards, Visa, Mastercard, American Express, Diners Club, Apple Pay, Google Pay, ACH direct debit |
| Recurring billing | Yes |
| Payment links | Yes |
| In-person payments | Yes |
| Multi-currency support | No |
| Payout schedule | Daily |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Compliance & security | PCI DSS |
| Support | Live chat, Phone, Docs · 24/7 |
| Built for | Small business, Mid-market, Enterprise (editorial estimate) |
| Integrations | 2 integrations: Lightspeed Retail POS, Lightspeed eCom |
| Pricing | Paid (source) |
| Website | lightspeedhq.com |
| Facts checked | 20 Sep 2026 |
Lightspeed Payments integrations
Lightspeed Payments lists 2 integrations on its own site.
- Lightspeed Retail POS
- Lightspeed eCom
Alternatives to Lightspeed Payments
- Stripe PaymentsA broad payment platform for developers building scalable, multi-channel payment products.9.4
- PayPal PaymentsA broad payment stack with a free entry point and wide market coverage.9.3
- AdyenBroad global payment coverage with transaction-based pricing and extensive platform tools.9.2
See all Lightspeed Payments alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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