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If you're looking for a POS terminal for your business in Hungary, you'll quickly discover that dozens of providers are competing for your attention. Banks, independent fintech companies, and international payment processors — each with different pricing, different conditions, and different strengths.
In this article, we present 10 POS terminal providers that are actively operating in the Hungarian market in 2026. We objectively summarize what each one offers and what to watch out for when choosing and present you the expected cost of using them.
There is no single best POS terminal provider for every business in Hungary. The right choice depends on your monthly card turnover, whether you need SoftPOS, whether SZÉP card acceptance matters, how quickly you need setup, and whether you prefer a bank-backed or fintech solution.
For low-volume or new businesses, fast-start fintech options with no monthly fee, such as SumUp or myPOS, can be a good starting point.
For bank-backed stability and broader service coverage, OTP Bank, K&H, MBH, CIB or Raiffeisen may be more relevant.
For fast setup, providers with simple online onboarding, fewer contract commitments or mobile card acceptance usually have an advantage.
For larger or more complex merchants, Worldline, Global Payments or Teya may stand out because of stronger integrations and business features.
So read this article as a decision map rather than a simple awards-style ranking: it shows which provider may fit which merchant situation.
Before diving into the providers, let's clarify the most important factors for comparison:
Transaction fee: the cost charged as a percentage of each payment. It can be flat (e.g., 1.95%) or interchange++ based (built on the actual interbank fee).
Monthly fee / terminal rental: some providers charge a fixed monthly cost, others don't.
Contract commitment: some require 1-2 year loyalty periods, others let you cancel anytime.
Settlement speed: how many days until the money reaches your account? This typically ranges from 1-5 business days.
Accepted card types: Visa and Mastercard are standard, but SZÉP card, health fund cards, or JCB/Amex acceptance varies.
Terminal selection: desktop, portable, SoftPOS — the right choice depends on your business type.
Keep these factors in mind as we walk through each provider. For a more detailed guide, check our article on How to Choose a Payment Service Provider.
OTP Bank is Hungary's largest bank and a dominant player in the card acceptance market. It provides full POS terminal services for physical stores with both desktop and portable terminals.
OTP accepts Visa and Mastercard, supports contactless payments (NFC), Apple Pay and Google Pay, as well as SZÉP cards and health fund cards. Additional features include dynamic currency conversion (DCC), tip management, and installment payments.
Best for: businesses that value the backing of a major bank, 24/7 customer support, and SZÉP card acceptance. OTP is particularly strong in hospitality and retail.
K&H is another bank-backed provider offering physical POS terminals, online payments, and unattended payment solutions. K&H accepts international cards (Mastercard, Visa), SZÉP cards, and health fund cards.
A notable advantage of K&H is JCB and Amex card acceptance, which can be important for businesses with tourist traffic. They also provide unattended terminals for vending machines or parking facilities.
Best for: merchants who want bank-backed service with broader card acceptance (JCB, Amex) or need unattended payment solutions.
MBH Bank is Hungary's second-largest banking group (formed from the merger of MKB, Takarékbank, and Budapest Bank). It offers both POS terminal and online payment (VPOS) services, and is a pioneer of Qvik instant payments in Hungary.
Through its partnership with Worldline Financial Services, MBH also offers SoftPOS solutions and multi-currency card acceptance via Teya and Worldline partnerships.
Best for: those who value an extensive branch network, are interested in Qvik payments, or need multi-currency card acceptance.
CIB Bank belongs to the Italian Intesa Sanpaolo banking group and offers POS terminal services in Hungary. It provides both physical and online payment solutions, including SZÉP card acceptance.
Best for: existing CIB customers and businesses that value the stability of an international banking group.
SumUp is one of the most popular fintech payment solutions in Europe, available in Hungary as well. Its biggest advantage is simple pricing: no monthly fees, no loyalty period, and a flat transaction fee of 1.95% for physical terminal payments.
SumUp offers compact card readers (Air, Solo, Terminal) that work via Bluetooth or built-in SIM. A SoftPOS solution (Tap to Pay on Android and iPhone) is also available, enabling card acceptance without additional hardware.
Best for: small businesses, beginners, market vendors, and service providers who value flexibility and low entry barriers.
myPOS is a European fintech provider whose key differentiator is instant settlement — after each transaction, the money is immediately available in your myPOS business account.
myPOS offers several terminal types (portable, desktop) with built-in SIM and printer. There's no loyalty period, and terminals are purchased (not rented), which means a higher upfront cost but potentially lower total cost over time.
Best for: businesses where instant access to funds is critical (e.g., daily liquidity matters) and those who prefer buying a terminal over monthly rental.
Teya (formerly Saltpay) is a European payment provider present in 16 countries, including Hungary. Teya offers not just a POS terminal but a complete business toolkit: accounting services, digital loyalty programs, website building, booking systems, and hospitality software.
Best for: hospitality businesses and service providers who want payment terminals, loyalty programs, and business software from a single provider.
Worldline is one of the world's and Europe's largest payment service providers. In Hungary, Worldline offers a wide range of physical POS terminals: standalone (desktop), mobile, and cash register-integrated models.
Worldline's strength lies in technology and enterprise solutions: from project support and terminal integration to training and maintenance. They also offer SoftPOS solutions.
Best for: higher-volume businesses, retail chains, and merchants requiring cash register-integrated solutions or complex payment infrastructure.
Global Payments is an international payment processor with over fifty years of history, operating in nearly forty countries. In Hungary, they offer the GP webpay online payment solution alongside physical terminal services.
Their standout features are on the online payment side: one-click payments, recurring payments, dynamic currency conversion (DCC), Google Pay integration, and FastPAY card tokenization.
Best for: webshops and merchants who need advanced online payment features alongside physical terminals.
Raiffeisen Bank is a bank-backed provider that has entered the POS terminal market relatively recently. It targets merchants with competitive pricing and promotional offers, which can be attractive for businesses considering a switch.
Alongside the stability of a bank-backed settlement and support, Raiffeisen often uses time-limited promotions to make onboarding more appealing. Exact fees and terms depend on the current offer.
Best for: price-sensitive merchants who want a bank-backed provider and are open to promotional starter offers or switching.
If you want a quick market view for a typical Hungarian small shop, it is worth checking the POSnavigator Arena. In the Arena, Small Shop models a merchant operating a physical store, using 1 POS terminal, with roughly HUF 5 million in monthly card turnover, an average basket size of HUF 8,000, and mainly Visa and Mastercard transactions. In practical terms, this does not mean a hypermarket or a large chain supermarket, but a smaller, usually single-location local retail business serving everyday consumer traffic, such as a neighborhood convenience shop, delicatessen-style store, or smaller food shop.
The summary below is based on the Small Shop Arena snapshot from 2026.04.21, and it specifically assumes POS terminal usage.
At the time of writing, the small-shop top 10 ranked by estimated total cost over 4 years is as follows:
Raiffeisen Bank - POS 3 package - HUF 2,440,876.
Revolut - Revolut Reader (mobile card reader - mPOS) - HUF 3,512,047.
Mollie - POS Terminal Pay as you go package - HUF 3,853,016.
SumUp - POS card reader - Payment Plus package - HUF 4,024,139.
Novopayment - POS terminal - Mini Pay package - HUF 4,147,430.
viva.com - POS terminal - HUF 4,298,593.
Mollie - POS Terminal Pro package - HUF 4,642,622.
SumUp - POS card reader - Occasional Payment package - HUF 4,708,999.
MBH Bank - POS terminal - Interchange++ pricing - HUF 5,139,546.
MBH Bank - POS terminal - Blended pricing - HUF 5,648,758.
This top 10 is especially useful for a small shop because for these providers, POSnavigator does not only show that they exist on the Hungarian market, but also attaches a calculated cost estimate to them in this specific merchant scenario. That is a major difference compared with providers where you mostly need to request a custom quote and the real pricing only becomes clear after speaking to sales.
Still, not every offer in the list is directly comparable line by line in exactly the same way. The ranking includes mPOS, classic POS terminals, packages with different monthly-fee and transaction-fee structures, and both interchange++ and blended pricing. That is why this top 10 should be read as a very strong starting point: it shows which providers already have tangible, numeric comparisons available inside POSnavigator.
If you want to understand in more detail how these costs are calculated, read our separate article on POS terminal pricing and our guide to interchange++ pricing.
If your store does not operate with exactly these parameters - for example your monthly turnover is different, your average basket size is different, you use more than one terminal, or accepting SZÉP card matters - then the ranking can change as well. In that case, it is worth recalculating the list in the POSnavigator calculator using your own data.
The providers above each approach card acceptance differently. To make the right choice, consider:
What's your monthly card turnover? For low volumes, fee-free solutions (SumUp, myPOS) may be more cost-effective. For higher volumes, interchange++ pricing (bank providers) could result in lower total costs.
What type of business do you run? Restaurants need tip management and SZÉP card acceptance. Webshops need payment gateway integration. Markets and events need mobility.
How important is settlement speed? myPOS offers instant settlement, SumUp takes 3-5 business days, banks typically 1-2 business days.
Do you need a contract without commitment? Fintech providers (SumUp, myPOS) generally offer more flexible terms, while bank solutions often require 1-2 year commitments.
On POSnavigator.eu, you can compare providers based on your own criteria and calculate expected costs with our fee calculator. Make your decision based on numbers, not guesswork.
The Hungarian market in 2026 offers plenty of POS terminal provider options. Major banks (OTP, K&H, MBH, CIB, Raiffeisen) provide broad service support and SZÉP card acceptance. Fintech solutions (SumUp, myPOS) offer low entry barriers and flexibility. International processors (Worldline, Global Payments, Teya) bring advanced technology and specialized features.
The most important thing is to look beyond just the transaction fee — weigh the total cost, contract terms, and service quality together. POSnavigator helps you do exactly that.
(The picture is for illustration only!)
Weekly summary of the best POS terminal offers
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