PayPal charges 2.9% + $0.30 per transaction. Square POS costs $60/month plus hardware. FreshBooks wants $17-55/month for invoicing. QuickBooks Commerce charges $35-235/month. Shopify POS costs $89/month per location. Toast POS starts at $69/month per terminal. Clover costs $799+ for hardware plus $60-125/month. ThothOS delivers invoicing, payments via Stripe, Point of Sale (coming late 2026), gift cards, coupons, loyalty programs, customer portals, and full CRM integration for $20/employee/month.

PayPal has payment processing. ThothOS has payment processing (via Stripe backend), invoice management with drafts and templates, coupon management, gift card systems, loyalty programs with tier-based rewards, Point of Sale with offline mode (coming late 2026), customer portals, and integration with CRM, HR, payroll, inventory, and project management. All for $20/employee/month plus the same Stripe transaction fees you would pay anyway.

Invoice Management: Beyond FreshBooks and QuickBooks

ThothOS invoice management handles estimates, invoices, recurring billing, drafts, and templates. Multiple invoice categories: products, services, and rentals (including lodging rentals - unique to ThothOS). Payment status tracking: paid, unpaid, partial, overdue, void. Delivery tracking: pending, sent, delivered, viewed, failed. Tax and fee calculations with item-level or subtotal taxes. Credit applications and payment tracking across multiple payment methods. Real-time metrics showing total revenue, collected amounts, outstanding balances, and due soon tracking.

Draft invoices let you work on invoices before finalizing. Templates let you create reusable invoice structures for recurring scenarios. Convert between drafts, templates, and final invoices with one click. Duplicate functionality for quick invoice creation. Invoice settings include custom numbering (prefixes, auto-increment, year inclusion), default date and number formats, payment terms (Net 15/30/60/90), and multiple tax rates.

Email automation: auto-send invoices when created, custom email subjects and signatures, automatic payment reminders for overdue invoices. All integrated with your customer portal so customers see their invoices, payment history, and outstanding balances in one place.

Payment Processing: Stripe Integration Without the Dashboard Chaos

ThothOS uses Stripe as the payment processing backend (2.9% + $0.30 per transaction - same as using Stripe directly). But instead of managing Stripe through their dashboard and using separate invoicing software, you get everything in one unified platform.

Stripe Connect integration for multi-company architecture (perfect for MSPs managing client payments). Each company has its own Stripe Connect account. Store publishable keys, secret keys, webhook secrets, Connect client IDs, Connect account IDs, and refresh tokens - all with masked display for security. Only one processor can be active at a time with automatic business rule validation.

Credit card management: customers add credit cards through the customer portal (stored securely in Stripe). CVV/CVC validation and masking. Expiration date tracking with visual status indicators (Valid, Expiring Soon, Expired). Billing information linked to each card. Customers manage their own payment methods through the portal.

Autopay system: automatic recurring payments with configurable date ranges, maximum payment amounts, and active/inactive status. One-time payment forms for manual payments via customer portal. All payment transactions recorded in accounting with full audit trail showing transaction type, amount, balance after, date, performed by, and notes.

Coupon Management: The Feature PayPal and Stripe Don't Have

Discount types: percentage off, fixed amount off, BOGO (buy one get one), free shipping, and fixed price. Applies to entire orders, specific products, specific categories, or specific services. Status tracking: active, inactive, scheduled, expired, depleted. Usage limit tracking with visual progress bars showing redemptions vs. limits (color-coded: green under 70%, orange 70-90%, red over 90%).

Coupon rules: minimum purchase amounts, stackable coupons (combine multiple discounts), customer eligibility controls. Date ranges with start and end dates for time-limited promotions. Bulk generation for creating multiple unique coupon codes at once. Real-time metrics: active coupon count, total redemptions (all time), coupons expiring soon (within 7 days), stackable coupon count.

Gift Card Management: Built-In Revenue Generator

Issue gift cards: generate unique card numbers (GC-XXXX-XXXX-XXXX format), set initial values, configure expiry dates, add notes. Check balances: search by card number, view current balance with full card details. Reload cards: add value to existing gift cards with transaction tracking. Redeem: process gift card payments with automatic balance updates and validation (cannot redeem more than current balance). Deactivate: disable lost or stolen cards with reason tracking.

Transaction history: full audit trail of all gift card activity (Issue, Reload, Redeem, Deactivate). Each transaction shows: transaction type with color-coded status badges, amount, balance after transaction, date, performed by (user name), and notes. Print capabilities for physical gift cards. Card history tracking showing all cards: card number, issue date, expiry date, initial value, current balance, active/inactive status, and quick-view actions.

Customer Loyalty Programs: Replace LoyaltyLion and Smile.io

Tier system: Bronze, Silver, Gold, Platinum with customizable points thresholds. Each tier has specific benefits and perks. Visual progress tracking with progress bars showing advancement to next tier. Points tracking: earn points on purchases, manual point additions by staff, automatic point calculations. Point redemption for rewards filtered by customer tier.

Membership info: join date tracking, last activity monitoring, days since last purchase. Tier benefits display showing what perks each tier unlocks. Reward redemption interface: browse available rewards, filter by tier eligibility, redeem with point deduction, track claimed vs. available rewards. Reward history showing past redemptions with value and status.

Customer search: find customers by name, phone, or email for quick loyalty lookup. Integration with POS system for automatic point accrual on purchases. All loyalty data visible in customer portal alongside purchase history and invoices.

Point of Sale System: Coming Late 2026 - Square and Toast Replacement

ThothOS Point of Sale launches late 2026 as a complete replacement for Square POS, Toast POS, Clover, Shopify POS, and Lightspeed. Multi-mode support: General Store, Restaurant (with table management), Gas Station (with pump integration), and Grocery. Real-time cart management with quantity adjustments, item removal, and instant totals. Discount system with percentage or fixed amount discounts applied to entire sale or specific items.

Product and service catalog integration: browse inventory with search and category filtering. Barcode scanner support with webcam scanning or USB barcode scanner input. Quick add buttons for favorite items and top sellers. Category-based navigation for fast product lookup. Real-time inventory availability checking during sale.

Cash drawer management: denomination tracking ($100, $50, $20, $10, $5, $1 bills plus quarters, dimes, nickels, pennies). Change calculation with optimal denomination breakdown. Cash received input with automatic change-due calculation. Drawer balance monitoring and transaction history. Opening cash balance configuration and cash-out reconciliation.

Offline mode: the feature that sets ThothOS apart. Automatic detection of network loss with manual toggle option. Cash-only transactions in offline mode (credit card processing disabled). Local transaction storage with background sync when connection restored. Visual offline indicator banner with sync status. Pending transaction counter showing unsynced sales. Transaction retry with configurable attempt limits.

Gift card integration: issue new gift cards from POS, reload existing cards, redeem gift cards as payment method, check balances instantly, print gift cards for customers. Loyalty program integration: customer lookup during checkout, automatic point accrual on purchases, reward redemption at POS, tier status display, manual point adjustments.

Payment methods: cash (always available), credit card via Stripe (online mode only), gift card redemption, combination payments. Receipt printing with configurable formats and company branding. Transaction completion generates invoices automatically. All POS transactions sync to accounting with full audit trail.

The Price Breakdown: Why ThothOS Costs 70-90% Less

PayPal: 2.9% + $0.30 per transaction for payment processing. No invoicing, coupons, gift cards, or loyalty built-in. Square POS: $60/month per location + hardware costs ($799+ for Square Register) + 2.6% + $0.10 per transaction. FreshBooks: $17-55/month for invoicing only (limited users, no payment processing included). QuickBooks Commerce: $35-235/month for e-commerce and inventory (separate from QuickBooks accounting). Shopify POS: $89/month per location + transaction fees (2.6-2.7% + $0 if using Shopify Payments).

Toast POS: $69/month per terminal + hardware ($799+ for terminal) + payment processing fees (2.49% + $0.15). Clover: $799-1,899 for hardware + $60-125/month software + processing fees (2.3-3.5% + $0.10). LoyaltyLion: $199-599/month for loyalty programs only (no POS, payments, or invoicing). Stripe Dashboard: Free dashboard but you need separate software for invoicing, POS, gift cards, loyalty.

Traditional stack for 10 employees: FreshBooks ($35/month) + Stripe (2.9% + $0.30) + Square POS ($60/month/location x 2 = $120) + LoyaltyLion ($199/month) + Gift card software ($50/month) = $404/month + 2.9% transaction fees + $1,598+ hardware.

ThothOS for 10 employees: $200/month (10 employees x $20) + Stripe fees (2.9% + $0.30) + $0 hardware (web-based POS runs on any device). Same Stripe processing fees. No POS hardware required (runs on tablets, laptops, phones). Includes: Invoicing, Payment Processing, POS (late 2026), Gift Cards, Coupons, Loyalty, Customer Portals, CRM, HR, Payroll, Inventory, Project Management, Knowledge Base, Task Management, and more.

The Real Difference: Integration Changes Everything

PayPal gives you payment processing. You need FreshBooks for invoicing, Square for POS, LoyaltyLion for loyalty, separate gift card software, separate coupon management, and a CRM to tie it all together.

Square gives you POS and payment processing. But invoicing requires Square Invoices (separate product). No gift card management. No loyalty programs (must buy third-party). No coupon system. No CRM integration. No HR or payroll. Each feature costs extra.

Shopify gives you e-commerce and POS. But it's designed for retail stores, not service businesses. Limited invoicing. No HR, payroll, or project management. Expensive apps for gift cards and loyalty ($10-300/month each). Separate software for contractor management, employee scheduling, and customer relationship management.

ThothOS gives you invoicing with drafts and templates, Stripe payment processing, POS with offline mode (late 2026), gift cards with issue/reload/redeem, coupons with bulk generation, loyalty programs with tier-based rewards, customer portals showing everything, and it all integrates with CRM (contact management, deal tracking, email campaigns), HR (employee management, onboarding, performance reviews), payroll (pay runs, tax filing, direct deposit), inventory (products, services, lodging rentals, maintenance), project management (tasks, time tracking, budgets), and knowledge base (documentation, help center, symptom-based search). Everything in one system. $20/employee/month.

No other platform has invoicing + POS + gift cards + coupons + loyalty + payments + customer portals + CRM + HR + payroll + inventory all integrated. No other platform charges $20/employee/month for unlimited users with unlimited everything. No other platform has offline POS mode with automatic sync. No other platform tracks lodging rentals as inventory with rental marketplace integration.

The Conclusion: Stop Paying for 10 Software Subscriptions

You're paying PayPal or Stripe for processing. FreshBooks or QuickBooks for invoicing. Square or Toast for POS. LoyaltyLion for loyalty. Another service for gift cards. Another for coupons. Salesforce for CRM. BambooHR for HR. Gusto for payroll. That's 9 separate subscriptions costing $500-1,500/month total. Plus integration fees. Plus training employees on 9 different systems. Plus data silos where your invoicing software doesn't talk to your POS which doesn't talk to your loyalty program which doesn't talk to your CRM.

ThothOS gives you all of it. One login. One system. One database. One training process. One support team. One bill: $20/employee/month. Same Stripe processing fees you'd pay anyway. No hardware to buy (web-based POS). No integration fees (it's already integrated). No data silos (everything in one system). No user limits (unlimited employees, unlimited customers, unlimited everything).

For 10 employees, you save $200-1,300/month compared to buying these tools separately. For 50 employees, you save $500-1,500/month. For 100 employees, you save $1,000-3,000/month. Every month. Every year. That's $12,000-36,000/year for a 100-person company. Enough to hire another employee. Or invest in growth. Or just keep in your pocket.