HashMicro vs Loyverse: Which POS is better?

Having a point-of-sale (POS) system can make any Filipino business owner’s life easier. It automates inventory tracking, monitors staff performance, and generates sales reports instantly, hindi ka na mahihirapan magbilang ng paninda.

POS adoption is growing rapidly in the Philippines. According to a report by the Daily Guardian, usage among individuals aged 15 and older increased from 3.2% in 2018 to 33.1% by mid-2024. That’s a tenfold growth in just a few years.

Still, choosing the right POS system isn’t always straightforward. With so many options like StoreHub, Loyverse, and others in the market, it’s easy to feel overwhelmed by the choices and unsure which features truly matter.

In this article, we’ll compare two major players: HashMicro and Loyverse. Whether you’re running a retail store, café, or franchise, this guide will help you decide which POS best fits your business needs without the guesswork.

What is Loyverse?

Loyverse, short for “Loyalty Universe,” is a cloud-based point-of-sale (POS) solution built for small to medium-sized businesses. It’s commonly used by retailers, cafes, bars, and even mobile vendors who want a simple and affordable POS system.

This software turns any tablet or smartphone into a functioning POS terminal. Without needing expensive hardware, businesses can process transactions, manage inventory, and monitor sales on the go. Loyverse is especially attractive to new businesses thanks to its free core version, with optional paid add-ons for more advanced features.

Loyverse’s Features

Loyverse comes with a variety of tools tailored for retail and F&B businesses, helping to streamline daily operations while keeping everything mobile and easy to use.

• Mobile POS system: Use your smartphone or tablet as a POS terminal, making it ideal for pop-up shops, food stalls, or any business on the move.
• Inventory management: Monitor stock levels, set alerts for low stock, and track item movement across multiple branches or locations.
• Employee management: Assign user roles, track sales by staff, and manage shifts efficiently through role-based access and performance tracking.
• Sales analytics: Visual dashboards and reports give you real-time insight into best-selling items, profit margins, and overall store performance.
• Customer loyalty program: Reward repeat customers with points, discounts, and personalized offers based on their purchase history.
• Payment flexibility: Accept various payment methods, including contactless credit card transactions, to speed up checkout and improve customer satisfaction.

What is HashMicro?

HashMicro delivers a cloud-based ERP system built for businesses across retail, wholesale, food and beverage, and manufacturing. Its POS solution is designed to simplify sales operations with an intuitive interface and automation capabilities.

Rather than operating in silos, HashMicro connects vital processes like sales, inventory, CRM, and financial reporting into one seamless platform. With centralized data access and real-time visibility, it helps decision-makers act faster and more accurately.

Even when offline, the system stores transactions securely and syncs them automatically once the connection returns. For businesses in the Philippines, the BIR-accredited POS system ensures regulatory compliance while supporting multi-branch operations with ease.

HashMicro’s Features

HashMicro POS Software is built to meet the needs of businesses in the Philippines. It offers a comprehensive set of tools that enhance efficiency, simplify processes, and support multi-branch scalability.

Centralized multi-branch POS system
Manage all your branches under one platform with seamless integration of sales, inventory, and finance. This centralized system ensures consistency and real-time coordination, helping you maintain operational clarity and speed.

Real-time stock optimizer
Automatically updates inventory based on live sales data, helping you avoid stockouts or excess inventory. This leads to better stock control and healthier cash flow.

Loyalty and promotion management
Create flexible loyalty programs and personalized promotions that apply automatically during checkout. This drives customer retention and boosts sales with minimal manual effort.

Barcode and RFID integration
Speed up checkout processes and improve accuracy with integrated barcode and RFID scanners. These tools also strengthen inventory control and minimize errors.

Multi-payment support
Offer your customers the freedom to pay with cash, credit/debit cards, or e-wallets, creating a smoother and faster checkout experience.

Easy billing and reconciliation
Generate receipts, track payments, and match transactions effortlessly. This simplifies the accounting process and ensures accuracy in your records.

Returns and credit management
Handle refunds, returns, and store credits without disrupting your inventory or accounting systems—essential for businesses aiming to maintain trust and flexibility.

Insightful reporting and analytics
Access real-time dashboards and detailed reports covering sales, product trends, and customer behavior. These insights help business owners make informed decisions and plan ahead with confidence.

Complete POS hardware packages
HashMicro also provides compatible hardware bundles, ensuring a smooth transition and system setup—ideal for businesses that want an all-in-one solution.

These powerful features make HashMicro POS an excellent choice for Filipino enterprises looking to scale, improve efficiency, and stay ahead in a fast-evolving retail landscape.

HashMicro vs Loyverse: Main Comparison

Choosing the right point-of-sale system isn’t just about price—it’s also about how well the system supports your operations and growth. To help you evaluate both solutions more clearly, we’ve laid out a side-by-side comparison between HashMicro and Loyverse, highlighting the key differences in features, pricing, integrations, and overall support.

HashMicro delivers a more integrated POS than Loyverse, combining CRM, sales analytics, and employee management in one platform. It’s also fully BIR-compliant. Book a free demo to explore the system and see how it compares in a live setup. If you want to compare systems directly, a free demo is also available for you to see how it works in real time.

While Loyverse is free to start, making it a great entry-level solution, its features become limited as business needs grow. HashMicro, on the other hand, offers scalable tools and flexible pricing without relying on paid add-ons, making it ideal for expanding companies.

If your goal is long-term growth and streamlined operations, HashMicro provides the tools and support necessary to help your business scale efficiently and confidently.

BIR Accreditation: HashMicro vs Loyverse

For businesses in the Philippines, having a BIR-accredited POS is non-negotiable. It ensures tax compliance, simplifies audit preparation, and avoids penalties from the Bureau of Internal Revenue.

HashMicro offers a BIR-accredited POS system that automates official receipt generation and supports multi-branch reporting, ideal for businesses that need reliable compliance. It’s a strong Loyverse POS alternative for enterprises seeking automation and tax readiness.

Loyverse, on the other hand, is currently not on BIR’s accredited POS provider list. This means users must issue manual receipts, increasing workload and risk of record-keeping errors.

If you’re running a business in a highly regulated region, HashMicro makes an excellent choice for those searching for the top POS software in Cebu, combining automation, compliance, and scalability in one solution.

Conclusion: Which is the Better POS – HashMicro or Loyverse?

The debate of HashMicro vs Loyverse highlights two very different POS solutions for Filipino businesses. While Loyverse POS offers an accessible platform for basic retail operations, its feature limitations can be a hurdle for long-term growth and integration.

If you’re choosing between HashMicro vs Loyverse, consider how your business may scale. Loyverse POS starts free but charges for essentials like inventory management and analytics. HashMicro, meanwhile, is fully BIR-accredited and offers these features out of the box, ideal for compliance and multi-branch management.

For businesses comparing HashMicro or Loyverse, HashMicro provides a comprehensive, scalable POS system with loyalty tools, inventory tracking, and seamless integration. Book a free demo today and explore how HashMicro elevates your operations beyond basic POS solutions.

FAQ About HashMicro vs Loyverse

• Is Loyverse suitable for medium to large enterprises?
  

  Loyverse is best suited for micro to small businesses. Its lack of deeper integrations and limitations in scalability may not meet the demands of larger operations.

• Is BIR accreditation mandatory for POS systems in the Philippines?
  

  While not all POS systems are BIR-accredited, using one that is can help avoid compliance issues and penalties, especially during tax audits.

• Does Loyverse offer offline mode?
  

  Yes, Loyverse POS works offline and syncs data once internet connectivity is restored, making it useful for mobile or remote vendors.

• Can I customize the HashMicro POS system?
  

  Absolutely. HashMicro offers customizable modules tailored to your business needs, whether you’re in retail, F&B, or wholesale.