Lightspeed Payments is now included in all POS system subscription options for Lightspeed Retail users in the US and Canada. However, you are not required to use Lightspeed Payments as your payments processor. Credit card processing rates through Lightspeed Payments are set at a predictable fee for all card types, including American Express: 2.6% + $0.10 per transaction (2.6% + $0.30 card not present).
Lightspeed Retail POS system users outside of the US, as well as Lightspeed Restaurant POS users around the world, do not currently have access to Lightspeed Payments. While we work hard to make our payments solution available to users around the world, Lightspeed users currently have access to a number of payment processing partners through the POS system.