Is it better to lease or to purchase credit card processing equipment? The answer is not that different from the choice when buying a car. If you lease you are paying more but the amount of money you pay is less and at you will be always paying something to the company. If you buy you pay upfront but can hold the asset for a long time. Credit Card systems can last a long time and while innovations occur they do not depreciate nearly as fast as a car for example. Long story short if your business has the cash buy the system but if the cash flow if tight perhaps the better decision is a lease.