POS systems for Singapore F&B and retail (2026): which ones let your sales data out?

The short answer: if you want your till to feed an automation, Loyverse is the pick, and it's free. If you want PayNow and cards on one terminal with the accounting done for you, Qashier at S$5 a day is the pick, and you'll get your numbers by email and Xero rather than by API.

Here's the thing nobody puts on the brochure. A POS is a database that prints receipts. The question that decides whether it ever saves you a Sunday is whether the data can leave. Every playbook on this site that touches money, from the daily money snapshot to low-stock alerts, assumes your sales can reach a spreadsheet without a human retyping them. An AI assistant that can't read today's takings can't summarise them either.

So this comparison is about the exits. Loyverse and Shopify have an API on the entry tier. Qashier has a CSV button, a nightly email and a Xero sync. The F&B names that come up in a PSG search mostly have a "contact us" page. And the grant everyone asks about closes in a week.

At a glance (checked 22 Sep 2026)

Prices in S$ unless marked. Loyverse bills in US$. Terms change; click through before you sign anything.

What you're actually buying

Qashier

Qashier is the Singapore all-in-one. One price, "$5 a day", and the page means it: POS, payments, loyalty, QR ordering, bookings and reporting are all in, with "Cards, PayNow and e-wallets on one terminal, settled daily". The terminal is the hook. Add the X2 for "$1 a day more. Nothing upfront. Yours in two years." There's no contract: "Qashier is a daily subscription you can cancel any time." Two things to read twice. "Prices shown exclude GST", and "Card processing rates are quoted separately". The card rate is the number that actually moves your margin, and you'll only see it at signup.

The data exits are real, just manual or scheduled rather than live. QashierHQ has an export button that gives you a CSV for any date range, and a transaction export in XLSX. Tick one box and the day's sales report lands in your inbox every night, fixed to "00:00hr to 23:59hr daily". Connect Xero and a daily sales invoice is "automatically created at midnight". For an owner whose ambition is "my accountant stops chasing me", that's the whole job done.

What it doesn't have is a self-serve sales API. Qashier's API page is about plugging other systems into QashierPay and its loyalty programme, and you get it by filling in a contact form. So a Make or n8n scenario can't ask Qashier "what did we sell today?" directly. It can read the nightly email, which is a workable second-best (more on that below).

Loyverse

Loyverse is free point-of-sale software for a phone or tablet, and it's genuinely free: POS, inventory basics, loyalty, kitchen display, multi-store and "Integrations" all sit in the no-cost column. Its API is the friendliest of the three for a small owner. You create an access token in the Back Office yourself, up to 20 per account, and the token "gives unlimited access to all resources provided by the Loyverse API". No developer application, no sales call.

The catches are two, and both matter here. First, the free tier's sales analytics cover "the last 31 days". To "View and export sales reports beyond the last 31 days" you pay for the Unlimited Sales History add-on at "$9 USD/month per store" or "$90 USD/year per store". A daily summary only ever needs today, so the free tier is fine for that. Your five-year GST record is a different matter (see the Singapore notes). Second, Loyverse has no integrated card payments in Singapore. Its help page is plain about the workflow: "manually enter the total amount into your card terminal and process the payment", then "tap the 'Card' button to record the transaction". You'll run a separate bank or PayNow terminal and key each amount twice. Fine for a stall. Painful for a busy counter.

Shopify POS

Shopify's Singapore pricing is a shop-online-first price with in-person selling included. Basic is "$39 SGD/mo" if you pay monthly, "$29 SGD/mo" if you pay yearly. Grow is S$132 or S$99, Advanced S$531 or S$399, same monthly-versus-yearly logic. The row that matters for automation reads "Build custom apps using Shopify APIs" on every plan, with "Limited data access" on Basic and "Full data access" from Grow. Shopify's help centre spells out the limit: on Basic "you won't have access to Custom Level 2 Personally Identifiable Information (PII) apps". Order totals aren't PII, so a daily-takings automation works on Basic; a customer-by-customer one needs Grow.

The in-person side is where the bill grows. Casual selling is included, but the full retail toolkit is POS Pro, "an additional $129 SGD/month billed yearly for each location". Shopify Payments in Singapore takes Visa, Mastercard, Amex and UnionPay at "3% + $0.50 SGD in person" on Basic, and PayNow isn't on its list. Use a third-party terminal for PayNow and Shopify adds "2% 3rd-party payment providers" on Basic, 1% on Grow. If you already sell online on Shopify, none of this is a surprise and the shared inventory is worth a lot. If you don't, you're paying for a webshop to get a till.

The names you'll meet in a PSG search

Two more you'll meet the moment you search "POS PSG Singapore". Eats365 publishes prices in US dollars, not Singapore dollars: POS Basic at "USD $29/Month" on the monthly plan or "USD $25/Month" on the annual plan, and POS Advanced at USD $69 or USD $55. Basic comes with "4 Basic Operation Reports"; the "20+ Comprehensive Operation Reports" and the "13 Expansion Modules and Multiple Integrated Solutions" are Advanced. There's a developer portal you connect from the merchant portal, but the pricing page doesn't say which plan gets the API, so check current pricing before you build on it.

EPOS is the Singapore incumbent and its headline is "Less Than S$1K After Grants!". There's no price list. The packages page names the tiers (Grow, Accelerate, Turbo) and puts "integration functionality" in Turbo, the top one, and then asks you to book a demo. Contact-sales pricing isn't a crime, but it means your data exits sit in the most expensive tier and you can't price them without a sales call.

The decision-flips

(1) Live API or nightly file. Loyverse and Shopify answer a question the moment you ask it. Qashier answers once a night, by email or into Xero. For a daily summary either works; for anything "right now", only the first two do. (2) PayNow at the counter. Qashier has it on the terminal. Shopify Payments doesn't list it. Loyverse has no Singapore payment integration at all. If most of your customers scan a QR, this row alone can pick your POS. (3) What "free" costs in records. Loyverse's 31-day window is generous for a summary and useless as an archive. Budget the US$9 add-on, or make the export a daily habit.

Singapore-specific notes

• PSG closes on 29 September 2026. That's a week from this article's date. Enterprise Singapore's page now says it in one line: "EDG, MRA and PSG will cease on 29 September 2026. From 30 September onwards, apply for business grant support under the EDGE Grant." Applications in before the 30th "will continue to be assessed based on the requirements of the relevant scheme", and you must not have paid a deposit before applying. So a "PSG pre-approved" badge on a vendor's site (EPOS says it is one) is worth exactly one more week. After that, the EDGE FAQ says pre-approved lists survive only for some activities: "For activities with pre-approved vendors, businesses should choose from the list". The EDGE grant page puts support at "up to 70% for SMEs" with an annual cap of S$100,000, but "Support levels differ by activity". Our EDGE tracker follows what's confirmed; before you let a grant pick your POS, run the markup maths too.
• GST records are the reason "31 days" matters. IRAS's record-keeping guide (Twelfth Edition, 30 Jan 2026) is blunt: "you are required to keep your records for five years", and on request you must produce them as an Excel spreadsheet, an Access file or a ".csv" file. "Cash register tapes" and "serially-numbered receipts" count as proof of income, and that "applies regardless of the payment mode or platform", PayNow included. A POS that shows you a month and archives nothing you can reach isn't keeping your records; you are. The fix is the same automation this article is about: export daily, keep the sheet.
• Receipts, if you're GST-registered. IRAS says you "need not issue tax invoices for supplies to customers who are not GST-registered", but a simplified tax invoice for anything up to "$1,000" must carry your "business name, address and GST registration number" and "A statement such as 'Price Payable includes GST'". Loyverse and Qashier both let you put your own text on the receipt header and footer, so this is a five-minute setup, not a feature gap. On Shopify, check the receipt settings before day one.
• Currency and the imported-services line. Qashier and Shopify bill in Singapore dollars. Loyverse and Eats365 bill in US dollars, and Loyverse's page says "Prices exclude taxes". Small line, real line at year end.

Which one for which business

• Hawker stall, kiosk, market table, under one till: Loyverse Free on the phone you already own, plus whatever PayNow QR your bank gave you. Build the evening snapshot on top. Total software cost: nothing.
• Café or shop with a queue and a card terminal you're tired of reconciling: Qashier. PayNow and cards settled daily, Xero at midnight, a report in your inbox every night. Accept that the automation reads an email, not an API.
• Already selling on Shopify online: Shopify POS, obviously. One inventory, one customer list, an API on day one. Watch the POS Pro line and the PayNow gap.
• Multi-outlet F&B being pitched an Eats365 or EPOS package: ask for the price of the tier that includes the API or integrations, in writing, in Singapore dollars, before the grant conversation starts. If the answer is "Turbo" or "Enterprise", you now know what the data exit costs.

You might need neither if…

…you ring up fewer than about 20 sales a day on one till. At that volume a POS is a spreadsheet with a receipt printer attached. A PayNow QR sticker from your bank plus a Google Sheet with three columns (Date, Item, Amount) is your point of sale, it costs nothing, and it feeds the daily money snapshot directly with no export step at all. If you want the receipt printer, Loyverse gives you one for free and the sheet stays in charge. Buy a paid POS when the queue makes the sheet impossible, not when a vendor says the grant expires. (It does expire. That still isn't a reason.)

Your first automation, step by step

The goal is the evening takings message: "Today: 23 sales, S$1,910." The playbook assumes sales already sit in a Google Sheet. Here's how each POS gets them there.

1. Loyverse. In the Back Office, create an access token. In Make, add an HTTP module that calls the Loyverse API for today's sales, then a Google Sheets "Add a Row" per receipt. Make's free plan is "Up to 1,000 credits/mo" on its pricing page, and "Each module action in your scenario, like adding a Google Sheet row or fetching Gmail account data, counts as one credit". One row per receipt means a shop ringing up 20 to 30 sales a day uses roughly 650 to 950 credits a month, so the free plan fits up to about 30 sales a day and not much past it.
2. Shopify. Create a custom app in your Shopify admin and use Make's Shopify module to search today's orders, then write each to the sheet. On Basic, stick to order totals; customer details need Grow.
3. Qashier. Turn on the automatic end-of-day email to a Gmail address you control. In Make, a Gmail "Watch emails" trigger picks it up after midnight, and a text-parser step pulls the total into the sheet. Less elegant, entirely reliable, and it needs no API at all. If you only want the total and not the line items, the Xero sync plus Xero's own reporting may already be enough.
4. Then run the playbook. Scheduled Sheets read, Telegram send, closing time. Twenty-five minutes.
5. Keep the sheet. That's your five-year record, in exactly the CSV-shaped form IRAS asks for. It's also the thing that makes switching POS painless later.

FAQ

Qashier's S$5 a day sounds cheap. Is it? It's about S$150 a month plus GST, plus the terminal at S$0.50 to S$1.50 a day, plus card processing rates you'll only see at signup. Against Loyverse's zero it's real money. Against a Shopify Basic plan with POS Pro (S$39 plus S$129 a month, before a card reader) the software alone is a little cheaper; add GST and a terminal and it's about level. Price the card rate before you decide; that's the line that scales with sales.

Can't I just screenshot the dashboard each night? You can, and that's the habit this replaces. The point of an export or API is that the summary arrives whether or not you remembered. If you're happy with the vendor's own nightly email, keep it and skip all of this.

Will PSG still fund my POS next week? Only if the application is in before 30 September 2026 and you haven't paid a deposit. From then it's EDGE, and whether your vendor's pre-approved status carries over depends on the activity. The tracker will say when the official pages do.

Does the free Loyverse tier really cover a GST-registered shop? For selling, yes. For records, only if you export every month or pay the US$9 add-on, because the free analytics window is 31 days and IRAS wants five years. Do the daily export and you've solved it for nothing.

Do I need Shopify's POS Pro to use the API? No. The API row on Shopify's pricing page sits with the plan (Basic, Grow, Advanced), not with POS Pro. POS Pro buys the in-store toolkit at S$129 per location a month, billed yearly. A daily-takings automation on Basic without POS Pro is a perfectly normal setup.

Next step

Write down two things: how many sales you ring up on a normal day, and whether your customers mostly tap a card or scan PayNow. Under about 20 a day, use the sheet and buy nothing. PayNow-heavy queue, Qashier. Already on Shopify, Shopify. Otherwise start on Loyverse Free, build the snapshot, and only spend when the queue tells you to. That's AI automation in Singapore at its most boring and most useful: a number in your pocket at closing time, from a till that was willing to let it go.

A note on Qashier's pages: Qashier's website and help centre don't serve their pages to automated readers, so the Qashier prices and help-centre steps above were read from a text rendering of the live pages on 22 Sep 2026 rather than fetched directly. The figures are the pages' own words. Open the pricing page yourself before you sign; it also shows a bare "$", which on the Singapore site with GST quoted means Singapore dollars.