Comparison · Updated October 14, 2026
Verifone vs Ingenico: card terminal makers compared
Verifone
C+
The terminal company that became a payments company. Verifone has been making card-reading hardware since 1981 and is the device behind a very large share of the world's checkout counters, but the merchant-facing business it has assembled around that hardware — Verifone Payments acquiring, plus the 2Checkout platform it bought in 2020 — is a much weaker story. Its US BBB profile carries an F for failing to answer complaints, its own .com Trustpilot page sits at 1.5 out of 5, and no acquiring rate is published anywhere. The only prices Verifone publishes are 2Checkout's, and those are merchant-of-record rates for selling software, not merchant-account rates.
Ingenico
B-
Ingenico is the French payment terminal manufacturer behind a large share of the card readers on the world's counters, founded in Suresnes in 1980 and today selling terminals, SoftPOS and its Ingenico 360 cloud platform through banks, acquirers and ISVs rather than direct to merchants. Its own site claims roughly 3,000 staff across 52 offices in 32 countries, deployments in more than 120 countries, tens of millions of terminals in the field, over 1,000 bank and acquirer clients and 2,500-plus payment applications. It publishes no merchant pricing, because merchants are not its customers. The story of 2026 is financial rather than technical: after Apollo bought it from Worldline in 2022, Ingenico opened talks with its lenders in April 2026 over an interest bill it could not carry, and in August 2026 announced a recapitalisation that converted part of its debt to equity, brought in EUR 150 million of new money from a PIMCO-led group and removed Apollo from the shareholder register entirely.
VS
Overview
Verifone and Ingenico are two of the best-known card terminal brands, but you buy from them in different ways. We compare them as of October 2026. Verifone sells to merchants itself as well as through processors. It runs its own acquiring business, Verifone Payments, whose Dutch company holds a payment institution licence passported to every other EU country. It also sells hosted checkout, pay-by-link and a virtual terminal, and it owns 2Checkout, whose top published plan includes merchant-of-record services such as tax handling. Ingenico sells only through banks, acquirers and resellers. Its own help pages say it does not sell directly to merchants, and that your card rates, terminal prices, contract and support come from whoever supplied the terminal. Neither publishes a card-processing rate or a terminal price. The one published price on either side is 2Checkout's 2Sell plan, at 3.5% + $0.35 a sale, and that is for online sales. Both have new Android ranges: Verifone's Victa, launched in January 2025 and expanded in January 2026, and Ingenico's next-generation AXIUM, launched in February 2026. Ingenico says every next-generation AXIUM device runs Android 14 and is certified to PCI PTS v7. Verifone's first v7-certified device was the V660p portable, and its spec sheets list Victa Mobile, Portable and Reader as PCI PTS 7.x compliant. Both also have phone-based SoftPOS and a cloud tool for managing terminals: Verifone Central and Ingenico 360. Ownership is the bigger difference. Francisco Partners has owned Verifone since August 2018. Apollo funds have owned Ingenico since 2022, and on 17 August 2026 Ingenico announced an agreement for EUR 150 million of new money from a PIMCO-led group. Press reports say part of its debt converts to shares and that Apollo exits. Ingenico's own release does not say either. Payment Review grades Ingenico B- and Verifone C+.
Key Takeaways
- ✓Only Verifone will sign you up itself. It sells terminals, card processing through Verifone Payments (a payment institution licensed in the Netherlands and passported across the EU), online payments and 2Checkout. Ingenico says it does not sell directly to merchants. Your Ingenico terminal, rate, contract and support all come from the bank, acquirer or reseller that supplied it.
- ✓Neither publishes card-processing rates or terminal prices. The only published price on either side is 2Checkout's 2Sell plan, at 3.5% + $0.35 a sale for online sales. 2Checkout's pricing page lists tax and regulatory compliance only on its 2Monetize plan, which has no published price.
- ✓The two current Android ranges cover the same ground: Verifone Victa and Ingenico's next-generation AXIUM (February 2026). Ingenico says every next-generation AXIUM device runs Android 14 and is certified to PCI PTS v7. Verifone's first v7-certified device was the V660p, and its spec sheets list Victa Mobile, Portable and Reader as PCI PTS 7.x compliant.
- ✓Ingenico's ownership is changing. Apollo funds have owned it since 2022. On 17 August 2026 it announced an agreement for EUR 150 million of new money from a PIMCO-led group. Press reports say part of its debt converts to shares and that Apollo exits; Ingenico's own release says neither. Francisco Partners has owned Verifone since August 2018.
- ✓Reputation is weak or thin on both sides. Verifone's US payment-processing profile on the BBB is rated F, with 19 of 35 complaints unanswered. Ingenico US is rated A+ with no complaints, but it sells to no merchants in the US. On Trustpilot, Verifone scores 1.5 from 90 reviews and Ingenico 1.3 from 53.
Verifone
Choose Verifone if you want terminals, card processing and online payments from one company that will contract with you directly, or if you sell software and want 2Checkout's 2Monetize plan to handle tax as merchant of record. Get the rate, term and cancellation route in writing first, because none of them is published.
Ingenico
Choose an Ingenico terminal when the processor you already prefer offers it. Ingenico makes the hardware and software, but the provider in the middle sets the price and the contract and gives you support, so judge that provider rather than the badge on the box.
The Verdict
It Depends on Your Needs
Why?
This is not a choice between two processors. Payment Review grades Ingenico B- and Verifone C+, but Ingenico's grade is for a hardware and software vendor you cannot sign up with. Its terminals reach you only through a bank, acquirer or reseller, which also sets your rate, contract and support. Verifone is the only one of the two you can contract with directly. It sells terminals, card processing through Verifone Payments (licensed in the Netherlands and passported across the EU) and online payments, and that suits a merchant who wants one supplier. The cost is no published rate or contract terms and an F from the BBB, with 19 of 35 complaints unanswered. On hardware the two are close: both have new Android ranges (Victa and next-generation AXIUM), SoftPOS, unattended devices and a cloud management tool, and both say their new devices meet PCI PTS v7. Ingenico's ownership is changing after its August 2026 recapitalisation agreement, so check that your provider will support the model it offers for years to come. Choose your processor first, then pick whichever terminal it supports that suits your counter.
Feature by feature
Detailed Comparison
Filter Options
How you buy
| Feature | Verifone | Ingenico |
|---|---|---|
| Sells directly to merchants | Yes | No |
| Verifone's merchant acquiring page offers itself 'as your merchant acquirer', and its North America support page tells merchants how to deactivate an account. Ingenico's FAQ says that as a payment solutions manufacturer it 'sells its products through partners and resellers rather than directly to merchants'. As of October 2026. | ||
| Sold through other processors and resellers | Yes | Yes, the only route |
| Verifone's January 2026 release names Adyen, FreedomPay, PayPal and Stripe in its partner network, and Stripe now runs on Verifone devices. Ingenico lists its resellers as payment service providers, ISOs, value-added resellers, distributors and system integrators, and has published case studies with Payroc, Tyro and Fiserv in Brazil. | ||
| Card processing (acquiring) | Verifone Payments | Does not process payments |
| The Dutch central bank's register lists Verifone Payments B.V. (trade names include 2Checkout and Avangate) as a payment institution authorised on 25 July 2019 for services including acquiring of payment transactions, passported from 1 September 2019 to the 26 other EU member states. We did not confirm which countries outside the EU Verifone acquires in itself. Ingenico processes no transactions: its FAQ says it does 'not directly manage the transactions and the transaction fees associated'. | ||
| Online payments | Gateway, hosted checkout, 2Checkout Winner | No standalone gateway |
| Verifone sells hosted checkout, pay-by-link and a virtual terminal for mail and telephone orders, plus the 2Checkout platform. Ingenico's FAQ says it 'does not offer a standalone payment gateway' and that its terminals integrate with third-party gateways. This is a win only if you want online and in-person payments from the same company. | ||
Sells directly to merchants
Verifone
Yes
Ingenico
No
Verifone's merchant acquiring page offers itself 'as your merchant acquirer', and its North America support page tells merchants how to deactivate an account. Ingenico's FAQ says that as a payment solutions manufacturer it 'sells its products through partners and resellers rather than directly to merchants'. As of October 2026.
Sold through other processors and resellers
Verifone
Yes
Ingenico
Yes, the only route
Verifone's January 2026 release names Adyen, FreedomPay, PayPal and Stripe in its partner network, and Stripe now runs on Verifone devices. Ingenico lists its resellers as payment service providers, ISOs, value-added resellers, distributors and system integrators, and has published case studies with Payroc, Tyro and Fiserv in Brazil.
Card processing (acquiring)
Verifone
Verifone Payments
Ingenico
Does not process payments
The Dutch central bank's register lists Verifone Payments B.V. (trade names include 2Checkout and Avangate) as a payment institution authorised on 25 July 2019 for services including acquiring of payment transactions, passported from 1 September 2019 to the 26 other EU member states. We did not confirm which countries outside the EU Verifone acquires in itself. Ingenico processes no transactions: its FAQ says it does 'not directly manage the transactions and the transaction fees associated'.
Online payments
Verifone
Gateway, hosted checkout, 2Checkout
Winner
Ingenico
No standalone gateway
Verifone sells hosted checkout, pay-by-link and a virtual terminal for mail and telephone orders, plus the 2Checkout platform. Ingenico's FAQ says it 'does not offer a standalone payment gateway' and that its terminals integrate with third-party gateways. This is a win only if you want online and in-person payments from the same company.
Best For Your Business
Recommendations based on your business type
Merchant that wants terminals, card processing and online payments from one company
Recommended
Verifone
Verifone sells all three directly: devices, Verifone Payments acquiring and online checkout. Ingenico sells none of them to merchants. Get the rate, term, notice period and cancellation route for every device in writing, because Verifone publishes none of them, and note its F rating on the BBB, with 19 of 35 complaints unanswered.
Small business looking for the cheapest card rate
Neither company publishes a card-processing rate. Ingenico does not process payments, and Verifone quotes acquiring only through sales. Compare processors on published rates first, then take whichever of their terminals suits you.
Merchant whose processor offers both brands
Both have current Android ranges, SoftPOS and unattended lines, and both have a cloud management tool. Choose by model and use: ask whether the device is next-generation AXIUM or Victa, whether it is PCI PTS v7 certified, and who replaces it when it breaks.
Software or digital-goods seller that wants a merchant of record
Recommended
Verifone
Verifone's 2Checkout offers merchant-of-record services, including tax and VAT handling, on its 2Monetize plan, which is priced on request. Its published 2Sell (3.5% + $0.35) and 2Subscribe (4.5% + $0.45) plans do not list tax compliance, so confirm which plan includes the services you need. Ingenico has no online payment product.
Bank, acquirer or ISV choosing a terminal estate
Both sell to this buyer and have a single Android architecture with a cloud platform: Victa with Verifone Central, and next-generation AXIUM with Ingenico 360. Both state PCI PTS v7 certification for their new devices, and Ingenico says its SoftPOS SDK for Android is certified to PCI MPoC 1.1. Weigh that against Ingenico's ownership change: no completion date for the August 2026 recapitalisation has been published.
Verifone: Best for 2 use cases
Ingenico: Best for 0 use cases
Frequently Asked Questions
Common questions about this comparison
It depends what you are buying. Both make full ranges of card terminals. Payment Review grades Ingenico B- and Verifone C+. Verifone is the only one you can buy card processing from directly, through Verifone Payments. Ingenico sells only through banks, acquirers and resellers, which set your rate and contract. For most small businesses the processor matters more than the terminal brand.
No. Ingenico's own FAQ says it sells through partners and resellers rather than directly to merchants. These include payment service providers, ISOs, value-added resellers and distributors. Its contact form can connect you with a local partner, and that partner sets the price.
Neither publishes a price as of October 2026. Verifone quotes through its sales team, and Ingenico says costs depend on your payment provider. If a provider offers to lease you a terminal, check the lease separately: cancelling your processing does not always cancel the lease.
Apollo funds bought Ingenico from Worldline in 2022. On 17 August 2026 Ingenico announced an agreement for EUR 150 million of new money from a PIMCO-led group of investors. Its release does not mention debt or shareholders. Press reports say part of Ingenico's debt converts into shares for its lenders and that Apollo leaves the shareholder register. No completion date has been published.
A group led by the private equity firm Francisco Partners, with British Columbia Investment Management Corporation, which completed its purchase of Verifone on 20 August 2018. In August 2026 Francisco Partners also agreed to buy the Canadian processor Moneris from RBC and BMO, a deal expected to close by early 2027. That deal is with Verifone's owner, not with Verifone.
Call the company that supplied it. For an Ingenico terminal that is always your payment provider, because Ingenico says support depends on your contract with that provider. If you contracted with Verifone directly, use Verifone's help desk. If a processor supplied your Verifone terminal, start with the processor.
Yes. Verifone Tap works with Tap to Pay on iPhone and on Android phones, with PIN entry on the screen. Ingenico SoftPOS, which came from its 2023 purchase of Phos, runs on iOS and Android devices, and Ingenico says its Android SDK was certified to PCI MPoC 1.1 in April 2025. Ingenico's SoftPOS is often sold under a provider's own brand.