What companies offer tools for managing recurring payments in brick-and-mortar stores?

Yes. For brick-and-mortar businesses that want customers to sign up in person and then be charged automatically, the market breaks into a few categories:

The most directly relevant

• squareup.com — Square Subscriptions supports recurring weekly, monthly, quarterly and annual billing, and its POS ecosystem can handle customer payment methods and in-person operations.Square+1
• clover.com — Clover combines physical POS hardware with recurring payments; its current POS offerings explicitly include managing invoicing and recurring payments.Clover+1
• stripe.com — Stripe is more of a payments infrastructure platform: handles subscriptions while handles in-person payments. This is particularly relevant if the merchant wants a customized subscription experience rather than an off-the-shelf POS workflow.

An important distinction

If you're researching this as a product/competitive landscape, there are really two different markets:

1. Payment processors/POS companies — Square, Clover, Stripe, Helcim, Stax, Adyen. They provide the underlying payment tokenization, card-on-file, recurring charging and/or POS infrastructure.
2. Subscription/membership software for physical businesses — platforms aimed specifically at gyms, salons, clubs, coffee subscriptions, memberships, etc. These sit on top of payment/POS infrastructure and manage things like entitlements, member status, redemption at checkout, pauses, upgrades, failed-payment recovery, and recurring billing.

That second category is potentially more interesting if by "managing recurring payments" you mean a physical store needs to manage an ongoing customer relationship, rather than simply schedule another credit-card charge.

If you tell me whether you're researching this for a startup/product idea, selecting a vendor for a store, or mapping competitors, I can give you a more targeted list—including pricing, APIs, POS integrations, and which companies let customers enroll directly at the physical checkout.

Yes. If by “recurring payments in brick-and-mortar stores” you mean membership/subscription billing where the customer initially signs up in person and is then automatically charged, several companies offer this:

Particularly relevant options

Square is one of the more straightforward choices for a physical business. Its Subscriptions product supports recurring weekly, monthly, quarterly, and annual billing, and customers can sign up through QR codes or links. Square also supports recurring invoices directly from its POS environment.Square+1

Clover is particularly relevant if the recurring payment is tied closely to a physical-store POS. Clover explicitly supports recurring payments and subscriptions, including saving a customer's card on file and defining billing intervals. Its industry offerings include gyms, bookstores, salons, and other brick-and-mortar businesses.Clover Platform Docs+2

Heartland offers an omnichannel billing product that includes recurring billing, subscription payments, automatic payments, customer records, refunds, and reporting, alongside its in-person payment infrastructure.Heartland+1

If you're evaluating the market

There are actually three different categories worth distinguishing:

1. POS companies with recurring billing — Square, Clover, Heartland.
2. Payment/subscription infrastructure — Stripe, Adyen, Braintree, etc.; these are more useful when you're building your own customer-facing software.
3. Vertical membership-management platforms — companies focused specifically on gyms, salons, clubs, car washes, healthcare practices, etc., where recurring payments are part of a larger membership system.

If you're researching this because you're building or evaluating a product, I can also give you a more comprehensive list of 20–30 companies, broken down by industry, pricing model, POS integration, and whether they support card-on-file recurring charges initiated at a physical location.

Managing recurring payments for customers in a brick-and-mortar storefront typically requires an omnichannel Point of Sale (POS) system or payment processor that supports Card-on-File (CoF) storage, automated recurring invoicing, or integrated membership apps.community.squareup.com+2

The top companies offering tools and POS features tailored for in-person and hybrid retail recurring billing include:

• Square : Through Square Invoices and their Customer Directory, Square lets physical storefronts securely store a customer's card on file. You can set up automated recurring invoices for fixed subscriptions or manually charge a saved card right at the register or via the POS app when a regular comes in.squareup.com+2
• Clover : Clover supports recurring billing and memberships directly on their hardware terminals or via their web dashboard. Using specialized apps from the Clover App Market (such as recurring payment and membership integrations), physical businesses like gyms, salons, or specialty retail clubs can set up recurring payment plans, save customer cards, and automate billing cycles.youtube.com+1
• Stripe (with Stripe Terminal) : While traditionally known as an e-commerce giant, Stripe offers Stripe Terminal , which bridges online subscription data with in-person hardware readers. If you manage a hybrid model (e.g., a brick-and-mortar record shop or coffee club with digital subscriptions), Stripe allows you to tie in-person card swipes directly to a customer's recurring billing profile.youtube.com
• Shopify (with Shopify POS) : Ideal for retail stores that operate both a physical brick-and-mortar location and an online shop. Using Shopify's ecosystem alongside native or third-party subscription apps, you can sign up customers for in-store recurring pick-up plans or memberships that sync seamlessly with your inventory and customer profiles.
• Stax by Fattmerchant : Stax offers integrated invoicing and card-on-file capabilities suited for businesses with high transaction volumes or mixed service/retail models. Their platform allows you to securely vault customer payment details and schedule automated recurring charges without heavy per-transaction percentage markups.youtube.com

To help narrow down the best fit, tell me:

• What type of brick-and-mortar business are you running (e.g., retail, a gym/fitness studio, a service-based salon)?
• Do you need hardware integration at a physical counter, or is it mostly capturing cards on file for monthly billing?

Yes. For brick-and-mortar businesses that need recurring payments, memberships, subscriptions, or card-on-file billing, several companies offer relevant tools:

A few important distinctions

Square is one of the more directly integrated options for a physical storefront. Its Subscriptions product supports weekly, monthly, quarterly, and annual recurring charges, while recurring invoices can be managed through its POS ecosystem.squareup.com

Stripe is more infrastructure-oriented. Stripe Billing handles recurring payments, while Stripe Terminal handles the physical checkout side, allowing a business to connect subscription billing with in-person transactions.stripe.com

Mindbody is particularly purpose-built around recurring payments in physical businesses such as fitness and wellness. Its payments product explicitly supports recurring payments/autopay and integrates those transactions with its software and hardware.www.mindbodyonline.com

Chargebee is interesting if the physical store is really a membership/subscription business rather than simply a store that happens to offer recurring billing. It describes support for memberships operating both online and at the counter, including real-time subscription-status confirmation.www.chargebee.com

If you're researching this as a market/product opportunity, I can also map these companies by POS integration, recurring billing, card-on-file, membership management, APIs, pricing, and target customer, including smaller/niche competitors.

Companies that offer recurring payment management tools for brick-and-mortar stores generally fall into three groups: (1) POS systems with built-in subscriptions, (2) payment processors with recurring billing, and (3) dedicated membership/subscription platforms.Parse+1

Companies focused specifically on physical-store memberships

These are closer to “turn my store into a subscription business” rather than just “charge a card every month”:

• loyalzoo.com — loyalty and paid membership programs for local businesses.
• joinit.com — membership management, recurring dues, and digital member experiences.
• memberzone.com — membership/subscription tools designed around clubs, retail programs, and POS integrations.

Parse## How to choose

• Coffee shop, salon, gym, boutique, or local service business: Square, Clover, or Shopify POS are usually the simplest because payments and checkout are already connected.Parse+1
• You want a “membership club” (monthly fee for perks, credits, discounts, visits): Look at Loyalzoo, Join It, MemberZone, or POS add-ons.Parse
• You need a custom subscription product across stores, apps, and websites: Stripe Billing, Chargebee, or Recurly are more flexible.

The biggest distinction is whether you only need automatic monthly charges or a full store membership system that handles benefits, redemptions, customer status, and in-store experiences.Parse

Managing recurring payments (like memberships, club fees, installment plans, or subscription boxes) in a brick-and-mortar storefront requires a Point of Sale (POS) or payment processor that supports card-on-file (COF) tokenization and automated billing schedules.youtube.com+2

Several major companies offer specialized tools and integrated hardware/software setups tailored for physical storefronts:

• Square
  • How it works: Square allows merchants to save a customer’s card securely on file either via the Square POS App or the online Square Dashboard . You can set up automated recurring invoices that charge the card on file automatically on a set cadence (weekly, monthly, annually).
  • Best for: Small-to-medium retail shops, service providers, and fitness instructors operating out of a physical location.squareup.com+2
• Clover
  • How it works: Clover supports recurring billing via native features and specialized third-party apps from the Clover App Market (such as Memberships & Recurring Payments ) accessible directly on Clover hardware or the web dashboard. Merchants can create subscription plans (e.g., gym memberships or monthly wine clubs) and attach a customer's swiped/keyed card to the plan for automatic periodic billing.
  • Best for: Brick-and-mortar gyms, salons, and specialty boutique clubs using Clover POS Hardware.youtube.com+2
• Stax
  • How it works: Stax provides a flat-rate subscription model for payment processing that includes a robust virtual terminal and robust Stax Recurring Billing Tools . It allows you to manage customer profiles, save payment methods securely with tokenization, and automate recurring payment schedules for in-person or phone-in clients.
  • Best for: Established brick-and-mortar businesses with high transaction volume that want to avoid percentage markup fees on recurring invoices.youtube.com+1
• Lightspeed
  • How it works: Lightspeed (specifically Lightspeed Retail and Golf/Leisure variants) integrates advanced customer management with accounting and recurring invoicing options. It lets physical retailers track local customer profiles and manage ongoing payment structures, service contracts, or rental fees.
  • Best for: Specialized brick-and-mortar retail and rental businesses needing deep inventory tracking tied alongside recurring client billing.
• Shopify (with POS)
  • How it works: If you run a hybrid brick-and-mortar and online store, Shopify allows you to use third-party subscription apps (like Recharge or Bold) from the Shopify App Store. While in-person recurring checkout requires specific app configurations, it syncs customer subscription profiles across both your physical counter and e-commerce site.
  • Best for: Omnichannel retailers selling physical goods on a subscription basis (e.g., coffee bean bags, local produce boxes).

To help narrow down the best choice, tell me:

• What type of business do you run (e.g., gym, retail boutique, service provider)?
• Do you already have a POS hardware system you prefer to stick with?