This depends on the kinds of in-person and online payment methods you choose to implement within your business, and the payment structures used by various merchant services providers.  For example, SumUp card readers are available for a one-time setup cost, after which there are no ongoing monthly costs other than a small fee on individual transactions. On the other hand, a SumUp kiosk, being a more complex piece of equipment, does require a monthly subscription fee. Ultimately, it’s all about which specific payment methods are most relevant to how you do business, and making the right judgement call on the best ways to allocate your small business budget.  It’s also important to bear in mind that investments in cashless payment systems are tax deductible small business expenses, and that providing cashless payments will benefit your small business finances by allowing you to cater to the ever-increasing number of people who no longer carry cash.