Atlanta, Georgia, United StatesFact-checked August 30, 2026
NCR Voyix Review
B-The retail and restaurant half of the old NCR. NCR Corporation — founded in 1884 as the National Cash Register Company — renamed itself NCR Voyix in October 2023 when it spun off its ATM business as NCR Atleos, and what remains is a unified commerce platform: Aloha and Counterpoint point of sale, self-checkout, and Voyix Pay processing sold alongside them. The scale is real. NCR Voyix reported 80,000 platform sites and more than 8,500 payment sites at the end of 2025, $1.7 billion of annual recurring revenue, and full-year Software and Services revenue of $1,986 million. The problem is the paper you sign. The published US merchant agreement sets a 36-month initial term that auto-renews for 12-month periods unless you give 60 days' notice, makes cancellation during the term immediately payable for every remaining month, and reserves an annual price increase of CPI plus 5% — with a contractual floor of 5% — that applies during the initial term as well as after it. Buy the platform if the platform is what you need, and negotiate the term before you sign anything.
- Monthly
- Quoted per merchant, not published. Software subscriptions, hardware and processing are billed together: the agreement says recurring fees are charged at the beginning of each billing cycle and transaction fees at the end of the cycle, to the card or other non-invoice payment method you put on file. Section 2.1 also states you agree to pay all recurring fees whether or not you actually use the products, so a site you have mothballed still bills.
- Payout
- Not published. Voyix Pay is described as offering multiple funding options, but NCR Voyix states no standard settlement window, no next-day cut-off and no fee for faster funding on any public page. Get the funding timetable in writing during the quote, because you cannot look it up afterwards. The merchant agreement also gives NCR Voyix broad rights to suspend or terminate service immediately and without notice, including if you fail to meet any underwriting standards it maintains — and after a payment default you may request reactivation once the default is settled, but the agreement expressly reserves the right to refuse.
- Contract
- 36 months unless your order form says otherwise, running from the date you submit the order form. It then renews automatically for consecutive 12-month periods unless either side gives written notice of non-renewal no later than 60 days before the current term expires. Adding a product with a longer minimum term — the Extended Payment Program for hardware, for instance — makes the whole service co-terminus with that longer term, so a hardware upgrade in year two can quietly restart your clock.
- Founded
- 1884
- Headquarters
- Atlanta, Georgia, United States
Connect with NCR Voyix
Tell them what you need. This goes to NCR Voyix only.
Best for
Multi-site retailers and restaurant groups that need deep self-checkout, forecourt or enterprise POS capability, have the leverage to negotiate the term and price escalator, and are buying the platform rather than shopping for a processing rate.
How it scores
Pricing1.5
Features4.5
Ease of use3.0
Support2.5
Contract1.5
Reputation score3.0
What it costs
Details →- Monthly
- Quoted per merchant, not published. Software subscriptions, hardware and processing are billed together: the agreement says recurring fees are charged at the beginning of each billing cycle and transaction fees at the end of the cycle, to the card or other non-invoice payment method you put on file. Section 2.1 also states you agree to pay all recurring fees whether or not you actually use the products, so a site you have mothballed still bills.
What others rate them
Details →- TRUSTPILOT
- 4.4
- BBB
- null
The takeB-
NCR Voyix sells capable enterprise commerce software on genuinely punishing commercial terms, and the two facts have to be weighed against each other rather than averaged. The platform is real — 80,000 platform sites, more than 8,500 payment sites, $1.7 billion of ARR at the end of 2025, and a new microservices application suite shipped in January 2026 — and for a multi-site grocer, convenience chain or restaurant group the depth of the self-checkout and Aloha estates is hard to replicate. But the published merchant agreement runs 36 months, renews itself in 12-month blocks unless you object 60 days early, makes every remaining month immediately payable if you cancel, and reserves an annual increase of CPI plus 5% with a 5% floor that applies inside the initial term. None of the pricing is published. If you are big enough to have the contract redlined by a lawyer, this can be a good system. If you are a single site being sold to over the phone, the term is the product and you should read it first.
Skip if you
Are a single location, want to know what you will pay before you talk to a salesperson, cannot commit for three years, or would be badly hurt by a bill for every remaining month of the term if the system does not work out.
Chapter 1
Should you choose NCR Voyix?
The headline take, the audiences it's right (and wrong) for, and the genuine differentiators behind the verdict.
About
The retail and restaurant half of the old NCR. NCR Corporation — founded in 1884 as the National Cash Register Company — renamed itself NCR Voyix in October 2023 when it spun off its ATM business as NCR Atleos, and what remains is a unified commerce platform: Aloha and Counterpoint point of sale, self-checkout, and Voyix Pay processing sold alongside them. The scale is real. NCR Voyix reported 80,000 platform sites and more than 8,500 payment sites at the end of 2025, $1.7 billion of annual recurring revenue, and full-year Software and Services revenue of $1,986 million. The problem is the paper you sign. The published US merchant agreement sets a 36-month initial term that auto-renews for 12-month periods unless you give 60 days' notice, makes cancellation during the term immediately payable for every remaining month, and reserves an annual price increase of CPI plus 5% — with a contractual floor of 5% — that applies during the initial term as well as after it. Buy the platform if the platform is what you need, and negotiate the term before you sign anything.
Pros, cons, and audience
Pros
- The platform is genuinely large and still investing. NCR Voyix reported 80,000 platform sites and more than 8,500 payment sites as of 31 December 2025, up 8% and 4% year on year, annual recurring revenue up to $1.7 billion from $1.6 billion, and net income from continuing operations of $42 million against a $201 million loss the year before — and it launched a new microservices application suite on the Voyix Commerce Platform in January 2026.
- Payments, POS and gateway come from one vendor. Voyix Connect is the gateway and Voyix Pay the processing, both built to sit under the same POS applications, which removes the integration seam that causes most reconciliation problems in a mixed estate.
- The standard US merchant agreement is published on the company's own site, revision 2025-06. You can read the term, the escalator and the cancellation clause before a salesperson tells you about them — a courtesy most of this industry does not extend.
- Coverage is unusually broad: credit and debit, digital wallets, gift and loyalty, EBT/SNAP and TANF, and fleet and fuel cards, with a 2026 partnership adding U.S. Bank Voyager fleet card acceptance on the cloud-native POS.
- Aloha's Trustpilot profile carries a 4.4 TrustScore across 739 reviews with 84% at five stars, and the company's support team visibly replies to the negative ones. That is a better independent record than the BBB file suggests.
- Self-checkout and enterprise retail depth are the real moat. The company describes itself as the number one POS and self-checkout software provider and supports more than 6.5 million devices annually, and large grocers keep renewing on that basis.
Cons
- Cancelling mid-term costs you the rest of the term. Section 5.2 of the merchant agreement states that if cancellation or termination occurs during the term you will be immediately charged or required to pay for all months remaining. There is no graduated early termination fee to negotiate down — the whole balance is the fee.
- The agreement guarantees a price rise. Section 2.1 permits an annual increase of up to CPI (All Items, urban consumers) plus 5% on annual or multi-year plans, applicable during the initial term, and states the increase will in no event be less than 5%. A quoted rate is therefore a first-year rate by construction.
- The default term is 36 months and it renews itself. Auto-renewal runs in consecutive 12-month blocks unless written non-renewal notice arrives at least 60 days before expiry, and adding hardware on an Extended Payment Program extends the whole agreement to match.
- Nothing about price is published — not the discount rate, not the authorization fee, not the monthly software subscription, not the funding timetable. Every number in a quote is unverifiable against a public benchmark.
- The Better Business Bureau profile for NCR Corporation, the entity NCR Voyix was renamed from, carries a D- rating and is not accredited, with the rating attributed to failure to respond to 35 complaints. The profile is visibly stale — it still lists a chief executive who left in 2018 and predates the Atleos split — so treat it as directional rather than current, but the non-response pattern is the reason for the grade.
- You pay for what you do not use. Section 2.1 states you agree to pay all recurring fees and charges whether or not you actually use the products during the plan term, so a closed or seasonal site keeps billing until the term ends.
- The top line is shrinking. Full-year 2025 revenue fell to $2,687 million from $2,818 million, and Software and Services revenue to $1,986 million from $2,049 million, even as platform sites and recurring revenue grew. The company is consolidating onto a recurring base rather than expanding, which is a reasonable strategy and still means fewer resources chasing the same installed estate.
- Third-party reporting describes an April 2025 round of processing fee increases for existing merchants — a 0.25% discount-fee rise and up to $0.07 more per authorization. We could not corroborate this from NCR Voyix or a second independent outlet, and the author writes critically about NCR while praising a competitor, so treat it as a single-source claim; it is consistent with the escalator clause in the agreement, which is verifiable.
What makes them different
The genuine differentiator
Very few vendors publish their standard merchant agreement at all. NCR Voyix does, which is how anyone can read the 36-month term, the remaining-months clause and the CPI-plus-5% escalator without signing anything. That transparency is worth crediting even though what it reveals is unflattering.
How we score it
1.5
Pricing Transparency
4.5
Feature Set
3
Ease of Use
2.5
Customer Support
1.5
Contract Terms
3
Industry Reputation
Chapter 2
What it costs
Real-world cost at three volumes, plus the rates, fees, payouts, and contract terms that drive them.
What NCR Voyix actually costs
Estimated annual cost at three realistic processing volumes, using NCR Voyix’s published online rate plus monthly fees. Real costs vary with average transaction size, chargeback rate, and any negotiated terms.
Small business
$10K/mo volume · ~$75 avg transaction
$NaN/year
≈ $NaN/mo · NaN% effective rate
Growing merchant
$50K/mo volume · ~$100 avg transaction
$NaN/year
≈ $NaN/mo · NaN% effective rate
High volume
$250K/mo volume · ~$150 avg transaction
$NaN/year
≈ $NaN/mo · NaN% effective rate
Pricing details
What NCR Voyix is now
NCR Corporation was founded in 1884 as the National Cash Register Company, which makes it one of the oldest names in the business of taking money over a counter. On 16 October 2023 it renamed itself NCR Voyix Corporation and simultaneously completed the spin-off of NCR Atleos, handing the ATM, self-service banking and payments-network businesses to a separate listed company. What stayed behind is the retail and restaurant half: Aloha and Counterpoint point of sale, self-checkout, store systems, and the payments products sold alongside them.
The scale that remains is substantial, though the direction of travel is mixed and worth stating plainly. In its full-year 2025 results NCR Voyix reported 80,000 platform sites and more than 8,500 payment sites as of 31 December 2025, up 8% and 4% respectively, with annual recurring revenue of $1.7 billion against $1.6 billion the year before. But total revenue fell to $2,687 million from $2,818 million, and Software and Services revenue to $1,986 million from $2,049 million — so the site counts and the recurring base grew while the top line shrank. Profitability moved the other way: net income from continuing operations attributable to NCR Voyix was $42 million, against a $201 million loss the prior year. In January 2026 the company launched a microservices application suite on the Voyix Commerce Platform, presented as the end point of its software modernisation. This is a business consolidating onto recurring revenue, not one winding down — but it is shrinking in absolute terms while it does so.
The payments product
Voyix Pay is the processing service and Voyix Connect the gateway underneath it. NCR Voyix describes Voyix Pay as omni-channel processing with multiple funding options, risk management and integrated chargeback and dispute management, and the platform accepts credit and debit, digital wallets, gift and loyalty, EBT/SNAP and TANF, and fleet and fuel cards — a 2026 partnership with U.S. Bank added Voyager fleet card acceptance on the cloud-native POS. The merchant account itself is sponsored: the legal footer on the restaurant payments page states that NCR Payment Solutions, LLC is a registered ISO/MSP of Citizens Bank, N.A., Providence, RI.
What NCR Voyix does not publish is any number at all. There is no discount rate, no authorization fee, no monthly subscription price and no settlement timetable anywhere on the site. Merchants who take Aloha Essentials with NCR payment processing get a discount on the software subscription, which is the usual bundle, and the usual advice applies: price it both ways and compare the total rather than the headline.
Read section 5.2 before you read anything else
To its credit, NCR Voyix publishes its standard United States merchant agreement, revision 2025-06. Three clauses in it should govern how you approach a quote.
- Section 5.1: the initial term is 36 months from the date you submit your order form, and after it the agreement automatically renews for consecutive 12-month periods unless either party gives written notice of non-renewal at least 60 days before expiry. Adding a product with a longer minimum term makes the whole service co-terminus with it.
- Section 5.2: you may cancel at any time by calling 1-877-270-3475 — but if cancellation or termination occurs during the term, you will be immediately charged or required to pay for all months remaining in your term, with promotional pricing unwound.
- Section 2.1: on an annual or multi-year plan, NCR Voyix may increase rates once per calendar year, including during the initial term, by no more than CPI (All Items, urban consumers) plus 5% — but in no event by less than 5%.
Taken together those clauses describe a three-year commitment with a built-in annual rise and no cheap exit. That is not unusual language for enterprise software; what makes it worth flagging on a review site is that the same paper is put in front of single-site restaurants who read it as a subscription and discover in month eight that cancelling means paying for the next twenty-eight.
What merchants actually say
The independent record is more mixed than the contract implies. The Trustpilot profile for Aloha by NCR Voyix carries a 4.4 TrustScore across 739 reviews, 84% of them five stars, and the company replies to the critical ones. The complaints that do appear cluster tightly: support taking three to four business days to call back, installations still being argued about a year after signing, and contracts merchants say they did not knowingly agree to.
The Better Business Bureau file is worse — a D- rating on the NCR Corporation profile, not accredited, attributed to failure to respond to 35 complaints. Two caveats matter. That profile still names a chief executive who left the company in 2018 and it covers a period before the Atleos spin-off, so some of the history belongs to a business NCR Voyix no longer owns. But not answering complaints is itself the finding, and it lines up with what reviewers describe when they try to leave.
How to buy it well
If NCR Voyix is on your shortlist you are probably buying capability that is genuinely hard to get elsewhere — deep self-checkout, forecourt, or a multi-site Aloha estate. In that case the platform is a reasonable choice and the work is entirely in the contract. Negotiate the initial term down, negotiate the escalator to CPI without the plus-5%, get the funding timetable and the chargeback fee written into the order form, and put the 60-day non-renewal deadline in a calendar the day you sign.
If you are a single site and someone is quoting you Aloha over the phone, get the merchant agreement, read sections 2.1 and 5.2 yourself, and get a competing quote from a provider that publishes its rates. The system may still be the right one. You should just know, before you sign, that the exit price is every month you have left.
Processing Rates
In-person
Not published. NCR Voyix quotes payment processing per merchant and states no rate card anywhere on its site — the pricing pages route to a contact form. What the merchant agreement does publish is the escalation clause: if you take an annual or multi-year plan, NCR Voyix may raise rates once per calendar year, including during the initial term, by up to the increase in the Consumer Price Index for All Items (urban consumers) plus 5%, and the agreement states the increase will in no event be less than 5%. On any other plan, rates and fees are subject to change at any time on 30 days' written notice to the email address on file. Read that as a quoted rate with a contractual minimum annual rise attached, and price the third year of the deal rather than the first.
Card-present retail and point-of-sale transactions
Fees
Monthly Fee
Quoted per merchant, not published. Software subscriptions, hardware and processing are billed together: the agreement says recurring fees are charged at the beginning of each billing cycle and transaction fees at the end of the cycle, to the card or other non-invoice payment method you put on file. Section 2.1 also states you agree to pay all recurring fees whether or not you actually use the products, so a site you have mothballed still bills.
Recurring monthly account fee
Statement Fee
Hardware carries its own charges. A deposit may be required before hardware is staged and shipped, and NCR Voyix may apply it against restocking fees or unreturned or damaged equipment. Section 5.4 lets NCR Voyix charge you its then-current purchase or licence list price for any of its property not returned in good working order after termination.
Monthly account statement and reporting fee
Early Termination Fee
There is no separately named early termination fee, because the agreement does not need one. Section 5.2 says you may cancel by calling customer care, and then: if cancellation or termination occurs during the term you will be immediately charged or required to pay NCR Voyix for all months remaining in your term. On a 36-month agreement cancelled in month six, that is 30 months of subscription payable at once. Any promotional pricing you received is also unwound under Section 2.3. Treat the whole remaining term as the exit cost.
Fee for canceling before contract end
Payouts
Standard Payout Time
Not published. Voyix Pay is described as offering multiple funding options, but NCR Voyix states no standard settlement window, no next-day cut-off and no fee for faster funding on any public page. Get the funding timetable in writing during the quote, because you cannot look it up afterwards. The merchant agreement also gives NCR Voyix broad rights to suspend or terminate service immediately and without notice, including if you fail to meet any underwriting standards it maintains — and after a payment default you may request reactivation once the default is settled, but the agreement expressly reserves the right to refuse.
Regular deposit schedule to your bank account
Contract Terms
Contract Length
36 months unless your order form says otherwise, running from the date you submit the order form. It then renews automatically for consecutive 12-month periods unless either side gives written notice of non-renewal no later than 60 days before the current term expires. Adding a product with a longer minimum term — the Extended Payment Program for hardware, for instance — makes the whole service co-terminus with that longer term, so a hardware upgrade in year two can quietly restart your clock.
Required commitment period
Cancellation Process
You cancel by telephone: the agreement names the customer care line 1-877-270-3475. Cancelling mid-term does not end the money, only the service — all months remaining in the term become immediately payable. The only clean exit is a written non-renewal notice delivered more than 60 days before the term ends, and diarising that date at signing is the single most useful thing a new NCR Voyix merchant can do.
How to terminate your account
NCR Voyix Pricing Calculator
Estimate your monthly costs
Pick a published plan, enter your volume and transaction profile, and we’ll compute the math the same way an underwriter would. Real costs vary with card mix, chargeback rate, and any negotiated terms.
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Chapter 3
What you actually get
Products, integrations, payment-type coverage, security posture, and how their support holds up in practice.
Products & Services
pos
Aloha (restaurant POS)
The restaurant point-of-sale line, sold in cloud and on-premise variants, and the product most people mean when they say they use NCR. Its Trustpilot profile is the largest independent body of merchant feedback about the company.
payment processing
Voyix Pay
NCR Voyix's own processing service, described by the company as offering omni-channel payment processing, multiple funding options, risk management and integrated chargeback and dispute management. The legal footer on the restaurant payments page reads: NCR Payment Solutions, LLC is a registered ISO/MSP of Citizens Bank, N.A., Providence, RI.
gateway
Voyix Connect
The cloud-native payment gateway that sits under the POS applications and routes in-store, forecourt and online transactions through one platform.
pos
Counterpoint and retail POS
The retail side of the platform, covering point of sale, self-checkout and store systems for grocery, convenience and general merchandise. Self-checkout is where NCR's installed base is deepest.
other
Voyix Commerce Platform
The microservices application suite announced in January 2026 as the culmination of the company's software modernisation. New deployments are being sold on this rather than the legacy stack.
Support & Contact
Chapter 4
What others say
Synthesis of third-party platform reviews and industry ratings — agreements, disagreements, and which signals to weight.
Platform Ratings
Aggregated Trust Score
Based on 739 reviews across 2 rating platforms
4.4
out of 5
Overall Rating
Trustpilot
Reviewer Notes
Profile for Aloha by NCR Voyix. 84% five-star, 7% one-star. Praise is for individual support staff resolving issues quickly; criticism is concentrated on multi-day callback times, installations that drag on for months, and three-year contracts reviewers say were signed on their behalf.
Better Business Bureau
0 reviews
Reviewer Notes
Letter grade D-, not accredited, attributed by the BBB to failure to respond to 35 complaints. The profile is filed under NCR Corporation, the pre-2023 name; it is visibly stale — it still lists a chief executive who left in 2018 and covers the period before the NCR Atleos spin-off — so it describes the combined former company as much as it describes NCR Voyix.
Chapter 6
Common questions
Frequently Asked Questions
Contracts & Terms
Unless your order form says otherwise, the initial term is 36 months from the date you submit the order form, and it renews automatically for consecutive 12-month periods unless either party gives written notice of non-renewal at least 60 days before the current term expires. Getting out early is expensive by design. Section 5.2 of the published merchant agreement says you may cancel by calling customer care on 1-877-270-3475, and that if cancellation or termination happens during the term you will be immediately charged or required to pay for all months remaining in your term. There is no separate early termination fee to haggle over — the remaining balance is the cost. Any promotional pricing is also recalculated. If you add hardware under an Extended Payment Program or any product with a longer minimum term, the service term extends to match, which can restart the clock without you noticing.
Pricing
General
Support
How we evaluated NCR Voyix
We evaluate every payment processor independently — Payment Review does not accept paid placement. Our analysis combines hands-on product testing where possible, public pricing and policy documents, third-party reviews from BBB, Trustpilot, Google, and G2, and employee feedback from sites like Glassdoor and Indeed. We update reviews on a rolling cadence and flag the next review date so readers know how fresh the analysis is.
Last fact-checked August 30, 2026
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