Verifone VX520 vs Verifone VX680: Which Payment Terminal Is Right for Your Business?
Written by Lee Hart
If you're looking to upgrade your payment terminal or decide between two popular Verifone models, understanding the key differences between the VX520 and VX680 is essential for making the right choice. The Verifone VX520 terminal has been a reliable countertop workhorse for many businesses, but it's worth noting that this model has reached its end-of-life with service support ending on April 30, 2023. The VX680 offers significant advantages with its portable design, colour display, more powerful processor and long-lasting battery that provides flexibility for businesses needing mobility.
The VX520 was designed as a stationary countertop device that delivered impressive performance for its time, supporting various payment methods and value-added applications. In contrast, the VX680 takes functionality further with its portable capabilities and enhanced features, making it ideal for restaurants, retail environments and businesses where payments need to be taken to the customer.
Key Takeaways
- The VX520 has reached end-of-life status while the VX680 remains a supported device with enhanced security features and future-proof technology.
- The VX680 offers mobility with its portable design and battery power, making it more versatile for businesses that need payment flexibility beyond the counter.
- Both terminals support value-added applications, but the VX680's improved processor and colour display provide a better user experience and transaction speed.
Overview of Verifone VX520 and Verifone VX680
The Verifone VX520 and VX680 are robust payment terminals offering secure transaction processing with distinct capabilities. The VX520 delivers powerful countertop performance, while the VX680 provides mobility with its wireless design.
Core Functionality and Purpose
The Verifone VX520 functions as a stationary countertop payment device designed for fixed point-of-sale locations. It features a powerful processor with expandable memory, enabling lightning-fast transaction processing. The terminal supports multiple payment methods including magstripe cards, EMV chip cards, and contactless NFC payments.
The VX680, in contrast, operates as a portable, wireless payment solution. It includes a touch screen interface with battery power for on-the-go transactions. This device maintains signal strength indicators and rechargeable battery capabilities for mobile usage.
Both terminals offer:
- Security compliance: PCI standards for data protection
- Multiple connectivity options: Ethernet, dial-up, or cellular
- Support for various payment types: Credit, debit, gift cards and EBT
Target Markets for Each Terminal
The VX520 primarily serves businesses with fixed checkout locations such as retail shops, restaurants, and service establishments. Its durability and processing speed make it ideal for high-volume environments where reliability is crucial. The device particularly benefits merchants who need consistent performance for continuous daily operations.
The VX680 targets businesses requiring mobility, including:
- Restaurants with tableside service
- Delivery services
- Mobile vendors and market traders
- Transportation providers
The VX680's wireless capability makes it perfect for scenarios where bringing the payment device to the customer improves service efficiency. Its battery life supports extended usage during peak business periods without requiring constant recharging.
Release History and Lifecycle
The VX520 was introduced as part of Verifone's Verix family of payment devices, establishing itself as a reliable, feature-rich cash register system. It has undergone several firmware updates to maintain security compliance and add functionality over its lifecycle. The terminal has demonstrated remarkable longevity in the payment industry.
The VX680 entered the market as a premium mobile solution in Verifone's portfolio. Both terminals have maintained relevance through software updates that have extended their usable lifespan considerably.
Verifone has demonstrated ongoing support for these devices, with the VX520 featuring in large-scale implementations such as a Meal Voucher project using 300 units. This widespread adoption underscores the reliability and adaptability of these payment terminals.
Design and Hardware Comparison
The Verifone VX520 and VX680 terminals differ significantly in their physical design, screen capabilities, and construction quality. These differences directly impact how each device functions in various business environments and use cases.
Physical Dimensions and Portability
The VX520 is designed as a countertop terminal with a fixed position setup that prioritises stability. It features a compact footprint to minimise counter space usage, with a clever design that tucks communication ports underneath to keep workspaces tidy and free of cable clutter.
In contrast, the VX680 is engineered specifically for mobility. This portable payment device offers true wireless functionality, making it ideal for businesses that require payment processing on the move, such as:
- Delivery services
- Restaurants with tableside payment
- Stadium vendors
- Market stallholders
The VX680 includes a long-lasting rechargeable battery, enabling extended use without constant connection to power sources. Its handheld design balances functionality with portability.
User Interface and Display
Both terminals feature colour displays, but with notable differences in implementation. The VX520 includes a bright, clear screen that provides good visibility in various lighting conditions. The display size is optimised for countertop viewing angles.
The VX680 offers an enhanced screen experience with a larger display area and touch capabilities. This touchscreen interface creates a more intuitive user experience for both merchants and customers. The screen provides:
- Greater visibility of transaction details
- Improved signature capture
- More interactive payment experience
- Better readability in outdoor environments
Both devices include backlit keypads with tactile feedback, though the VX680's keys are designed for one-handed operation during mobile transactions.
Build Quality and Durability
The VX520 features solid construction suitable for fixed-location use. Its durable design can withstand the daily rigours of retail environments with a sturdy plastic housing that resists wear.
The VX680, given its mobile nature, incorporates purposeful design elements to enhance durability for on-the-go usage. The casing is reinforced to protect against:
- Accidental drops
- Bumps during transport
- Varying weather conditions
- Temperature fluctuations
Both terminals meet industry standards for payment device durability, but the VX680 includes additional protective features to account for its portable application. The terminals are engineered with sealed keypads to prevent liquid and dust ingress, with the VX680 offering greater environmental resistance.
Connectivity and Communications
The Verifone VX520 and VX680 terminals offer different connectivity options that significantly impact their functionality in various business environments. Both devices provide reliable communication capabilities, but they differ in mobility features and power management systems.
Wired and Wireless Capabilities
The VX520 offers ethernet and dial-up connectivity options, making it ideal for fixed point-of-sale locations. It features multiple connection ports including ethernet, serial, phone and USB, allowing for flexible integration with existing systems. This countertop model keeps workspaces tidy with a designated area underneath for communication cables.
The VX680, in contrast, provides greater mobility with wireless capabilities including Wi-Fi, Bluetooth and mobile network connections. This makes it suitable for businesses requiring payment processing away from fixed locations, such as restaurants with table service or delivery operations.
Both terminals maintain PCI compliance standards for secure data transmission, though it's worth noting that older VX models are being phased out as Verifone transitions to their newer "Engage" line.
Battery Life and Power Management
The VX520 comes with an optional battery, but primarily operates on mains power. This design choice eliminates concerns about battery life but reduces mobility. When equipped with a battery, it provides limited backup functionality during power outages rather than extended mobile use.
The VX680, built specifically for portable operation, features a rechargeable lithium-ion battery designed for all-day use. Its typical battery life ranges from 8-12 hours depending on usage patterns and connectivity methods employed. The device includes power-saving features that automatically activate during idle periods.
Both terminals utilise efficient processors that balance performance with power consumption. The VX680 includes additional battery management tools accessible through its interface, allowing merchants to monitor charge levels and optimise usage patterns.
Payment Processing Features
The Verifone VX520 and VX680 terminals offer distinct payment processing capabilities that cater to different business environments. Both devices provide robust security measures and support various transaction types, though they differ significantly in mobility options and interface design.
Card Reader Technologies
The VX520 and VX680 both support multiple card reader technologies to handle diverse payment methods. The VX520 features an integrated triple-track magnetic stripe reader for traditional cards, alongside EMV chip card compatibility for enhanced security. This countertop model processes chip cards efficiently, reducing fraud risk through encryption.
The VX680, meanwhile, offers the same magnetic stripe and EMV capabilities but in a portable package. Both terminals can read chip cards with equal effectiveness, utilising the same underlying secure processing architecture.
Key card reading capabilities:
- Magnetic stripe: Triple-track readers
- EMV chip: Fully compliant with latest standards
- Card insertion: Front-loading design for ease of use
Contactless Payments Support
Both terminals support contactless payment technologies, though with some implementation differences. The VX520 can be equipped with NFC capability, enabling tap-to-pay transactions with compatible cards and mobile wallets like Apple Pay and Google Pay. This reliable processing terminal handles contactless payments quickly, with transaction times typically under one second.
The VX680 comes with built-in NFC as standard, reflecting its more modern design philosophy. Its larger screen also provides clearer visual feedback during contactless transactions, helping guide customers through the payment process.
Both devices support:
- NFC/contactless cards
- Mobile wallets (Apple Pay, Google Pay, Samsung Pay)
- Contactless loyalty programmes
- Contactless refunds and voids
Transaction Speed and Reliability
The VX520 utilises a 32-bit ARM 11 processor running at 400 MHz with 160 MB of memory, providing substantial processing power for a countertop terminal. This configuration ensures transactions are completed quickly, typically in 2-3 seconds for chip and PIN operations.
The VX680 features similar internal specifications but optimised for mobile use with power management features. Both terminals maintain high uptime rates, with the VX520 particularly noted for its reliability in high-volume environments.
Transaction processing highlights:
- Speed: Both process standard transactions in 2-3 seconds
- Memory: 160 MB standard in VX520, similar in VX680
- Connectivity: VX520 offers Ethernet and dial-up options
- Batch processing: Both support automatic and manual batch settlement
- Offline mode: Limited operation capability during connectivity interruptions
The VX520 particularly excels at delivering fast, flexible and scalable payment processing in fixed-location environments.
Software and Security
The Verifone VX520 and VX680 terminals differ significantly in their software capabilities and security features. Both devices prioritise merchant protection through various security protocols, though their implementation varies based on hardware specifications and intended use cases.
Operating System Differences
The VX520 and VX680 both run on Verifone's Verix operating system, but with important distinctions. The VX680 offers a more advanced version that supports additional functionality suitable for its portable nature. While the VX520 provides a solid platform for countertop transactions, the VX680 extends these capabilities with improved processing power.
The VX680 does not contain resident Terminal Management Agent (TMA) software, which is required for remote diagnostics. This difference affects how merchants can troubleshoot and update their devices.
Key software differences include:
- Processing speed (VX680 is faster)
- Memory capacity (larger in VX680)
- Application support (more extensive in VX680)
PCI Compliance and Encryption
Both terminals maintain strong security standards, though the VX680 offers more advanced protection. The VX680 supports PCI 2.0, PCI 3.0, and PCI 3.1 security protocols, particularly in its 3G model, providing comprehensive protection against modern threats.
The VX520, while secure, reached its end-of-service date on 30 April 2023, making it more vulnerable to attacks. Businesses still using this model face increased security risks due to lack of software updates and patches.
Both devices feature tamper-evident design and encrypted transactions, but the VX680 includes additional security features:
- Enhanced SIM support
- Better protection against malicious tampering
- More regular security updates
Integration and Compatibility
Both the Verifone VX520 and VX680 terminals offer extensive integration options with various business systems and peripherals. The compatibility features of these devices determine how easily they fit into existing payment ecosystems and expand functionality through additional hardware.
Point of Sale System Support
The VX520 integrates with numerous point of sale systems through multiple connection methods. It supports Ethernet and dial-up connections for reliable communication with POS software. This terminal works with popular retail management systems from providers like Shopify, Lightspeed, and Square.
The VX680, being the more advanced model, offers enhanced POS compatibility options. It provides the same connection types as the VX520 but adds 3G wireless capabilities for mobile integration. This makes it particularly suitable for businesses requiring payment processing away from fixed counters, such as restaurants with tableside service or delivery operations.
Both terminals support:
- Multi-merchant functionality allowing different business entities to use one device
- Automatic software updates ensuring ongoing compatibility
- Industry-standard security protocols for safe integration with banking systems
Peripheral Device Integration
The VX520 supports essential peripheral connections including PIN pads, receipt printers and barcode scanners. It can be paired with the VX820 PIN pad to separate customer interaction from the main credit card terminal, enhancing checkout flow in retail environments.
The VX680 offers more versatile peripheral support with its expanded connectivity options. Its wireless capabilities enable it to integrate with mobile printers and other Bluetooth-enabled devices. The terminal features:
- Multiple USB ports for simultaneous peripheral connections
- Bluetooth 4.0 compatibility for wireless device pairing
- NFC reader integration for contactless payments and loyalty programmes
Both models support signature capture, though the VX680's larger colour touchscreen provides better signature resolution and customer interaction. For high-volume environments, the VX680's superior peripheral support makes it the more flexible option despite its higher price point.
Industry Applications and Use Cases
The VX520 and VX680 terminals serve distinct needs across various business sectors, with each model offering specific advantages depending on the operational environment and customer interaction requirements.
Retail Environments
In retail settings, the VX520 countertop device excels as a stationary payment solution. Its lightning-fast processing speeds and robust performance make it ideal for high-volume checkout counters where reliability is crucial. Many retailers appreciate its compact footprint that doesn't consume valuable counter space.
The VX520 particularly shines in businesses with fixed point-of-sale locations such as grocery stores, specialty shops and pharmacies. One notable implementation involved a meal voucher project utilising 300 VX520 terminals to accept both payments and vouchers, which significantly streamlined daily operations.
For retailers concerned about security, the VX520 offers solid protection, though businesses should note its end-of-service date was set for April 2023, making upgrades necessary for continued secure operation.
Hospitality and Mobility
The VX680 wireless terminal transforms payment processes in hospitality environments where mobility is essential. Its portable design allows restaurant servers to process payments tableside, eliminating the need for customers to queue at a central payment station.
Hotels benefit from the VX680's flexibility during room service deliveries, poolside service, and special events where fixed terminals would be impractical. The built-in battery provides sufficient power for full-shift operation without recharging.
Tour operators and transport services also favour the VX680 for collecting payments during journeys or at temporary locations. The terminal's wireless connectivity options (including Wi-Fi, Bluetooth and mobile data) ensure reliable operation even in areas with inconsistent network coverage.
Unlike the VX520, which requires a fixed location and constant power source, the VX680 supports businesses that need to process transactions anywhere on their premises or while on the move.
Pricing and Total Cost of Ownership
The VX520 and VX680 terminals differ significantly in their pricing structures and long-term costs. These differences stem from their hardware capabilities, mobility features, and support requirements.
Initial Investment
The Verifone VX520 countertop terminal is typically more affordable as an entry-level option, with average prices ranging from £150-£250 depending on configuration. This lower price point makes it attractive for small businesses with limited budgets.
The VX680 wireless model commands a premium price, usually between £300-£450, due to its portable design and additional features like the rechargeable battery and wireless connectivity options.
Both models offer various purchase arrangements:
- Outright purchase
- Lease options (typically 2-4 years)
- Rental agreements with monthly fees
Keep in mind that many providers bundle these terminals with processing services, potentially reducing upfront costs but increasing long-term expenses through processing fees.
Maintenance and Support Costs
The VX520 has reached end-of-life status as of April 2023, meaning ongoing support costs may increase. While existing units continue functioning, software updates have ceased, potentially increasing security vulnerabilities.
The VX680, being a more current model, still receives regular software updates and security patches. However, its maintenance costs tend to be higher due to:
- Battery replacement expenses (typically needed every 12-18 months)
- Higher repair costs for damaged screens
- Additional charges for wireless connectivity services
Both terminals typically include 1-year manufacturer warranties, with extended support packages available at £50-£100 annually. The VX680's mobility also means greater risk of damage, potentially increasing insurance and replacement costs over its lifetime.
User Experience and Customer Feedback
The VX520 and VX680 terminals offer distinct user experiences that impact both merchant operations and customer satisfaction. Feedback from businesses reveals important differences in ease of use, reliability, and overall satisfaction with these popular Verifone models.
Ease of Use for Merchants
The VX520 features a user-friendly interface that allows cashiers to process transactions efficiently. Its large display screen clearly shows transaction details, making purchase verification straightforward. The tactile keypad provides good feedback during data entry, which reduces errors during busy periods.
In comparison, the VX680 offers similar interface benefits but adds mobility advantages. The wireless capability eliminates counter clutter and allows staff to process payments anywhere in the establishment. This flexibility is particularly valued in restaurants and service businesses.
Both terminals support similar transaction types, but the VX520 requires manager passwords for certain operations like voids, adding an extra security layer that some merchants appreciate while others find slightly cumbersome.
Customer Satisfaction Trends
Customer feedback trends show the VX520 earns praise for its reliability and processing speed. The terminal's powerful processor handles transactions quickly, reducing queue times during peak hours. This efficiency has contributed to its popularity as one of the first widely-adopted EMV-ready terminals.
The VX680 receives positive reviews for its convenience factor. Customers appreciate not having to move to a fixed payment point, especially in table-service settings. However, some users report occasional connectivity issues with the wireless model that can cause transaction delays.
Both terminals show similar technical issue frequencies, with common errors that can usually be resolved through basic troubleshooting steps. Merchants report that customer perception of payment security is strong with both models.
Final Comparison and Recommendations
Both the Verifone VX520 and VX680 terminals are reaching their end of life, with limited updates now available. The VX520 end-of-service date was set for April 30, 2023, while the VX680 is also now in its EOL phase.
The VX520 is a countertop solution with dial-up or ethernet connectivity options. It features a powerful processor and expandable memory that allows it to operate at high speeds.
The VX680, being portable, offers more flexibility for businesses that need mobility in their payment solutions. Both devices support chip and PIN transactions, but have security vulnerabilities due to their age.
Key Differences:
- Mobility: VX680 (portable) vs VX520 (countertop)
- Battery: VX680 (built-in) vs VX520 (optional)
- Form Factor: VX680 (handheld) vs VX520 (fixed position)
Recommendation: Businesses should replace either model with newer Verifone "Engage" series terminals. Verifone ended production of all VX terminals in September 2019.
For merchants still using these devices, it's crucial to upgrade to avoid transaction processing interruptions and security risks. Newer terminals offer better security features and compliance with current standards.
Consider consulting with a payment processing provider for a smooth transition to newer technology that meets your specific business needs.
Frequently Asked Questions
Merchants often have specific concerns when comparing the Verifone VX520 and VX680 payment terminals. These models have distinct features and capabilities that affect their suitability for different business environments.
What are the key differences between the Verifone VX520 and VX680 models?
The VX520 is a countertop device designed for fixed-location businesses, featuring a compact design and wired connectivity. It's part of Verifone's Verix family of payment devices and delivers strong performance for stationary use.
The VX680, in contrast, is a portable handheld terminal with a larger display and battery-powered operation. This model offers greater mobility for restaurants, retail environments and outdoor settings where staff need to bring the payment solution to customers.
How do maintenance requirements compare between the Verifone VX520 and VX680?
The VX520 generally requires less maintenance due to its fixed position and lack of battery components. It needs only occasional cleaning and software updates, which can be performed during off-hours.
The VX680 demands more attention with battery management, charging routines, and protection from physical damage during portable use. Its mobile nature means merchants should regularly check for wear on external components that experience more handling.
Can the Verifone VX680 operate in a wireless mode, and if so, how does it differ from the VX520's connectivity options?
Yes, the VX680 is designed specifically for wireless operation using 3G connectivity or Wi-Fi options. According to terminal guides, the VX680 3G capabilities allow it to process transactions anywhere within mobile network coverage.
The VX520, however, primarily uses ethernet or telephone line connections. This limits its placement to locations with these fixed connection points but provides more stable connectivity without concerns about signal strength or battery life.
What are the security features unique to the Verifone VX520 and VX680, and how do they enhance transaction safety?
Both terminals employ end-to-end encryption and comply with PCI DSS standards, but implement them differently. The VX520 has robust physical security suited to countertop environments, with tamper-evident seals and secure mounting options.
The VX680 incorporates additional security features for mobile use, including session timeouts, automatic connection encryption, and physical protection against environmental factors. Both devices support contactless payments, enhancing transaction safety through tap-and-go capabilities.
How user-friendly are the Verifone VX520 and VX680 for new merchants?
The VX520 offers a straightforward, intuitive interface with a simple navigation system ideal for new merchants. Its fixed position allows for consistent training and operation procedures for staff.
The VX680 features a larger touchscreen display with more visual cues, making many functions more intuitive. However, it requires additional training for proper handling, battery management, and mobile connectivity troubleshooting that may present a steeper learning curve for new users.
What is the expected lifespan of the Verifone VX520 and VX680, and what factors could influence it?
The VX520 typically has a longer lifespan of 5-7 years due to its stationary nature and fewer moving parts. Proper dust protection and stable power supply can extend its service life considerably.
The VX680 generally lasts 3-5 years with normal use, with battery degradation being the most common limiting factor. Environmental exposure, handling practices, and charging habits significantly impact its longevity. Regular firmware updates can extend the usable life of both terminals.
About The Author
Lee Hart
