JPMorgan Chase vs Lightspeed
Lightspeed scores higher overall (71 vs 70), but the right choice depends on your size and card mix. The right choice when inventory complexity is your real problem — accept the payments bundle and the learning curve as the price of depth.
Updated 2026-08-07JPMorgan Chase
Bank-grade acquiring with same-day deposits to Chase accounts
70/ 100
2.9Merchant Score
- Pricing
- 3.7
- Features
- 3.4
- Ease of use
- 3.3
- Customer support
- 3.6
- User reviews
- 3.1
- Pricing model
- Quote-based / interchange-plus
- Headline rate
- 2.6% + $0.10
- Monthly fee
- $15/mo
- Contract
- Negotiated; month-to-month available
- Payouts
- Same day to Chase accounts
- Hardware
- Purchased or leased
Strong fit for
- Merchants already banking with Chase
- Businesses that value cash flow and stability
- Volume merchants ready to negotiate
Lightspeed
Deep retail and hospitality POS with bundled payments
71/ 100
3.7Merchant Score
- Pricing
- 3.0
- Features
- 4.4
- Ease of use
- 3.6
- Customer support
- 3.7
- User reviews
- 3.3
- Pricing model
- Flat rate, POS-bundled
- Headline rate
- 2.9% + $0.30 online · 2.6% + $0.10 in person
- Monthly fee
- $89/mo
- Contract
- Annual software agreements common
- Payouts
- 1-2 business days
- Hardware
- Purchased or leased, varies
Strong fit for
- Retailers with complex or multi-location inventory
- Restaurants needing floor and menu management
- Businesses that outgrew simple POS
Which one is cheaper for your business?
Averages hide your card mix. Upload one statement and we project your exact costs on JPMorgan Chase, Lightspeed, and every other provider we track.
Get your free rate report