Which platforms support recurring payments for in-store purchases?

If you mean a platform that lets a merchant charge a customer automatically on a recurring schedule after an in-store signup, several major payment platforms support this:

Important distinction

If you mean “customer buys something physically in a store and then gets charged automatically every month”, you're looking for card-on-file + recurring billing/subscriptions, not simply a POS that accepts contactless or card payments.

For example, Square explicitly allows a customer to save a payment method through its POS and subsequently charge it for recurring invoices.Square

If you tell me whether you're asking as a merchant choosing a payment platform or as a consumer looking for apps/services that offer recurring in-store purchases, I can narrow the list considerably.

Several major point-of-sale (POS) and payment processing platforms support recurring payments originating from or linked to in-store interactions. While true "swiping a card on a terminal every month" isn't how automated recurring billing works physically, these platforms bridge the gap by letting you capture and securely save a customer's card-on-file in person (via POS or virtual terminal) and then automatically bill them on a recurring schedule.squareup.com+1

Top platforms supporting this workflow include:

1. Square : Allows you to save a customer's card on file directly from your Square Point of Sale app or customer directory during an in-store visit. You can then attach that stored card to automated recurring invoice series or manual future charges.squareup.com+2
2. Clover : Offers a recurring payments feature supported via its dashboard and APIs. Merchants can use a virtual terminal or POS setup to search for a customer in the database, save their card on file in person, and assign them to an ongoing subscription or fixed-term installment plan.blog.clover.com+1
3. *Helcim * : Provides a secure Customer Vault that uses tokenization to store client payment details. You can input or capture card data initially through their smart terminals or point of sale, then set up automated recurring billing for membership agreements, retainers, or installment plans.helcim.com+1
4. Stax Pay : Blends in-person smart terminal hardware with robust recurring billing and customer management backends, allowing you to save payment methods during physical checkouts to fuel automated recurring invoice schedules.linkedin.com
5. Stripe (with Stripe Terminal) : Primarily an online/hybrid processor, Stripe allows developers and advanced omnichannel retailers to link in-person card-present captures via Stripe Terminal to Stripe Billing, effectively letting you onboard a recurring subscriber face-to-face.

If you're looking for a specific setup, let me know:

• What type of business you run (retail, services, gym, etc.)
• Whether you prefer hardware POS terminals or a web dashboard
  I can help you pick the best-fit platform and estimate processing costs.

If you mean a customer signs up for recurring billing during a face-to-face/in-store purchase, several platforms support this, but the exact workflow varies:

An important distinction

If you specifically want “customer taps/inserts their physical card at the register → merchant securely stores the credential → automatically charges them every month”, you're looking for card-on-file/tokenization plus recurring billing, rather than simply a POS that happens to offer subscriptions.

For example, Square explicitly supports storing a customer's card from its POS and subsequently charging that card, while its recurring invoices can automatically charge the stored payment method.Square+1

Also, Apple Pay/Google Pay/Samsung Pay credentials generally aren't equivalent to storing the physical card for this purpose; Square, for example, says contactless wallet payment information can't be saved as Card on File.Square

If you tell me whether you're building this for a retail store, gym/membership, restaurant, subscription product, or service business, I can narrow this down to the platforms that support your exact in-store recurring-payment flow.

Supporting recurring payments for in-store (brick-and-mortar) purchases typically involves capturing a customer's payment method "on file" at the physical point of sale (POS) and setting up an automated billing schedule.

Several major POS and payment platforms support this functionality through card-on-file tokenization, integrated apps, or recurring invoice setups:

• Shopify POS : Allows merchants to sell and set up recurring subscriptions in-person. By utilizing the native Shopify Subscriptions app , retail staff can process initial in-store subscription orders at the checkout register, saving the customer's card securely for future automated billing cycles.changelog.shopify.com+1
• Square : Supports saving a Square Card on File directly through the POS app or Customer Directory. You can swipe or key in a card in person, save it to a customer profile, and link it to Square Recurring Invoices so that future recurring payments are automatically charged to that card.squareup.com+2
• Clover : Offers flexibility via the Clover App Market. While native recurring billing isn't built into every basic plan, merchants can install third-party subscription and card-on-file apps (such as Recurring Billing or tokenization integrations) on their Clover hardware to run in-person recurring memberships or payment plans.
• Stripe (with Terminal) : Though primarily known as an online processor, Stripe supports in-person payments via Stripe Terminal compatible card readers. You can collect an in-person payment, tokenize/save the card to a customer profile via their API/Dashboard, and tie it directly to Stripe Billing for automated recurring subscription cycles.
• Payanywhere : Provides smart POS hardware and mobile readers that feature customer management tools capable of storing card information and processing recurring invoices or scheduled charges.payanywhere.com+1

If you have a specific industry (like retail, a gym, or a salon) or a hardware preference , let me know and I can recommend which of these platforms fits your workflow best.

If by “recurring payments for in-store purchases” you mean a customer buys something in person once, authorizes the merchant to keep their payment method on file, and then gets charged automatically later, several platforms support this.

• Stripe — Stripe Terminal + Stripe Billing: Strong option for custom POS or membership systems. Terminal handles the initial in-person payment, while Billing handles recurring charges.Stripe+1
• Square: Particularly suitable for retail/service businesses. Square supports card-on-file and recurring invoices, including workflows initiated through its POS.Square+1
• Shopify — Shopify POS: Supports selling subscription products directly in-store through Shopify Subscriptions or compatible third-party subscription apps. Shopify POS Pro is required for the in-store subscription workflow.Shopify Help Center
• Adyen: Supports in-person payments with payment credentials/tokenization that can subsequently be used for recurring or other merchant-initiated payments.
• PayPal: Supports saving a payment method during a purchase and subsequently initiating recurring charges, although its in-person POS capabilities and exact workflow depend on the integration.PayPal Developer+1
• Visa Recurring Billing: More of a payments-network capability than a complete POS. It supports recurring, subscription, installment and on-demand payments using tokenized payment credentials.Visa

Important distinction

Apple Pay, Google Pay, etc. aren't themselves usually the recurring-billing platform. Apple Pay does support merchant tokens for recurring payments, including subscriptions and automatic reloads, but the merchant still needs an appropriate payment/billing integration.Apple Developer

If you're choosing a platform specifically for “customer walks into a store → pays/taps once → we automatically charge them every month afterward,” I'd shortlist Square, Stripe, and Adyen first. The best choice depends heavily on whether you need an off-the-shelf POS or are building your own checkout/app.

If you tell me what kind of business you have (e.g., gym, retail store, salon, restaurant) and whether you need fixed monthly charges or variable charges, I can narrow this to the best 2–3 options.

If you mean a customer signs up while physically in a store and is then charged automatically later (memberships, subscriptions, refill programs, service plans, etc.), the main platforms are:

Parse Shopify Help Center### How it usually works

1. Customer makes an in-store purchase or signs up at the counter.
2. The merchant securely saves a payment credential (usually a tokenized card-on-file record, not the raw card number).
3. The platform automatically charges the customer on the agreed schedule.Stripe Docs+1

Good choices by use case

• Simple retail membership or monthly charge: Square or Shopify POS.
• Gym, club, subscription service, or custom customer app: Stripe.
• Large chain or enterprise retail: Adyen.
• Restaurant loyalty/membership programs: Toast.
• Existing Clover store: Clover’s recurring billing ecosystem.

A note on wallets: many systems cannot save a customer’s Apple Pay/Google Pay device credential as a reusable card-on-file payment method in the same way they can with a traditional card token, so confirm the exact workflow with your processor.Parse

If you mean recurring charges for products bought in-store (like coffee subscriptions, refill programs, or memberships) versus installment payments for a single purchase, the best platforms can differ.

Several major point-of-sale (POS) and merchant service platforms bridge the gap between physical retail and automated billing. They allow you to capture a customer's payment information in-store—either by swiping/tapping a card or entering it into a secure vault—and set up recurring schedules for future billing.

Top platforms supporting recurring payments initiated or tied to in-store operations include:

• Square : Allows you to save a customer’s Square Card on File directly from your POS or register app. You can then set up automated recurring invoices or scheduled charges right from your dashboard.squareup.com+2
• Clover : Features built-in recurring payment plans and subscriptions. You can input or swipe a customer’s card in person, save the card securely on file, and assign them to weekly, monthly, or fixed-term installment plans.docs.clover.com+2
• Helcim : Offers a Helcim Customer Vault that stores customer payment tokens securely. Paired with their smart terminals or in-person checkout, you can establish automated recurring billing schedules without extra monthly gateway fees.helcim.com+2
• Stax : Tailored well for small-to-enterprise volume businesses needing robust omnichannel features, Stax supports stored card data and recurring invoicing linked to face-to-face transactions via their smart payment hardware.staxpayments.com+2

If you'd like to narrow this down, let me know:

• What type of business you are running (e.g., retail, a gym, a service provider)
• Whether you want the customer to sign up in-person or manage their own plan online afterward

If by “recurring payments for in-store purchases” you mean a merchant can have a customer authorize a payment method once and then automatically charge them for future purchases/subscriptions, the main platforms include:

• Square — Strongest fit for physical retail. Square POS supports Card on File, allowing merchants to securely store a customer's card and charge it later; Square also supports recurring invoices and subscriptions.Square+1
• Stripe — Supports recurring payments/subscriptions and card-on-file payments, although the actual in-store POS experience generally requires a merchant integration rather than simply turning on recurring billing in a terminal.Stripe Docs
• Shopify — Supports subscriptions through Shopify Payments and various gateways/apps, but its recurring-payment functionality is more subscription/e-commerce oriented than traditional physical-store recurring checkout.Shopify Help Center
• Amazon Pay — Supports recurring payments, including fixed or variable amounts, but is primarily designed as an online payment service rather than a general-purpose physical-store POS.Amazon Pay - US
• Apple Pay — Technically supports recurring/preauthorized payments through merchant tokens, including recurring bills and automatic reloads. However, this is different from simply tapping Apple Pay at a physical POS and having that POS automatically charge the customer later.Apple Developer

Important distinction

If you're looking for “customer buys something in a physical store today → merchant gets permission → merchant automatically charges them every month”, Square is one of the clearest out-of-the-box options. Square explicitly supports card-on-file payments in its POS and recurring billing.Square+1

If you tell me whether you're looking for a consumer wallet (Apple Pay/Google Pay/etc.) or a merchant/POS platform (Square/Stripe/etc.), I can give you a more complete comparison of which ones support recurring in-person charges, consent, card-on-file, network tokens, and subscriptions.

Accepting recurring payments for in-store or in-person purchases typically relies on Card-on-File (CoF) tokenization , where a customer’s payment method is securely captured on an in-store POS terminal or dashboard during an initial visit and subsequently billed automatically on a schedule.

Several major point-of-sale (POS) and payment platforms support this workflow for brick-and-mortar operations:

• Square: Allows merchants to save a customer’s card on file directly via the POS app or online dashboard. You can set up recurring invoices, automatic billing profiles, or recurring payment links mapped to an in-person client profile, making it popular for local services, boutique retail memberships, and gear rentals.youtube.com+2
• Clover: Features robust card-on-file and recurring billing capabilities through its merchant dashboard and POS hardware. Merchants can build custom recurring plans (such as gym memberships or club fees) and assign saved customer cards to those plans for automated periodic charging.youtube.com+2
• Helcim: Offers developer-friendly and transparent merchant services with a built-in "customer vault" feature. Helcim allows in-person or phone-based businesses to securely store card details and schedule recurring payments or subscription invoicing without hidden fees.uschamber.com+1
• Stripe (via Stripe Terminal): For businesses using custom POS setups or Stripe’s hardware readers, Stripe Terminal can capture in-person card details and tokenize them. This token links directly to Stripe Billing, allowing an in-person signup to seamlessly transition into an automated digital subscription or recurring payment plan.
• Stax: Tailored heavily toward mid-market and enterprise in-person operations, Stax supports recurring invoicing and secure card vaults optimized for high-volume retail and service-based recurring models.uschamber.com+1

If you'd like to narrow this down, let me know:

• What type of business you run (retail, services, gym, etc.)
• Whether you need the initial card swipe/dip in person at the register or if remote entry is okay
• If you use a specific hardware or software ecosystem already

I can help recommend the most cost-effective platform for your workflow.