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Square Payments Logo

Online payment processing for merchants & vendors

Last updated: February 2025

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Table of Contents

Square Payments - 2025 Pricing, Features, Reviews & Alternatives

What is Square Payments?

Square Payments is an online payment processing solution which integrates with Square hardware and POS software to allow businesses to accept various payment types. Businesses can use Square Payments to make transactions from any location, deposit payments from all major credit cards, send invoices, store payment details for recurring customers, sell through e-commerce platforms, and more through integration with other Square tools and third party applications.

In order to facilitate the acceptance of any type of payment, Square Payments provides tools for managing chip cards, NFC payments, magstripe, remote payments, cash deposits, and more, meaning businesses can offer more flexibility to their customers. Users can integrate with Square’s card reader hardware and POS application to process payments anywhere, and in any way that customers wish to pay. Payments can also be handled remotely by keying in payments even when offline and, utilizing Square hardware, merchants can accept credit cards, NFC payments, gift cards, and more.

Square Payments provides automatic security measures including PCI compliance, chargeback protection, account takeover protection, fraud monitoring and detection, and more, so that both businesses and their customers can rest assured their accounts and data are safe when completing transactions.

Benefits of using Square Payments

  • Integrate with Square Invoices to send invoices from laptops or mobile devices directly to customers’ email inboxes and provide clients with a button to pay online or in person with credit and debit card processing.

  • Ensure payments are processed accurately and securely with automated features such as dispute management, PCI compliance management, fraud monitoring, chargeback protection, and more.

  • Integrate with third party e-commerce platforms such as BigCommerce, Weebly, Wix, WooCommerce, Ecwid, and more through the Square App Marketplace to sell online and process payments.

  • Accept payments from chip credit cards, magstripe, NFC through mobile devices, or remotely by keying in payments from the Square dashboard without the need for a card reader. Businesses can also save cards on file for recurring customers to save time.

  • Utilize the Square Payment Processing APIs to sell online through custom built-in app or website payment solutions, and seamlessly integrate online and offline sales. Benefit from Square features such as reporting, deposit tracking, and more.
  • Starting from

    Free

    Square Payments's key features

    GetApp's analysis of 367 verified user reviews collected between July 2021 and October 2024 identified Square Payments' most critical features and how it performs according to users.

    Debit/Credit Card Processing

    Reviewers appreciate Square Payments' debit/credit card processing capabilities. They highlight the ability to accept a wide range of credit and debit cards, including mobile wallets, which boosts sales and customer satisfaction. Users report that the processing is quick and secure, with options to manually enter card information or use a card reader. They find it convenient for on-the-go transactions, especially at events and craft shows. However, some users mention issues with random holds on transactions and occasional hardware malfunctions. Of the 113 Square Payments users who gave detailed accounts of their use of Debit/Credit Card Processing, 99% rated this feature as important or highly important.


    Payment Processing

    Users report that Square Payments offers quick and easy payment processing. They appreciate the ability to accept payments through multiple channels, including in-person, online, and mobile. Reviewers indicate that funds are often available instantly or can be transferred to a bank account with minimal delay. They find the system intuitive and reliable, though some users mention occasional delays in fund transfers and issues with customer service. Integration with other systems and the option for instant transfers are also highlighted as valuable aspects. Of the 155 Square Payments users who gave detailed accounts of their use of Payment Processing, 99% rated this feature as important or highly important.


    Data Security

    Reviewers highlight the robust data security measures in Square Payments. They appreciate the use of encryption and two-factor authentication to protect sensitive information. Users feel confident that their customers' data is secure, which helps build trust and legitimacy for their business. They report no significant issues with data breaches or fraud, and value the compliance with Level 1 PCI Data security standards. The ability to securely store customer information and prevent unauthorized access is also noted as a key benefit. Of the 131 Square Payments users who gave detailed accounts of their use of Data Security, 96% rated this feature as important or highly important.


    Payment Fraud Prevention

    Users appreciate the payment fraud prevention measures in Square Payments. They report receiving real-time alerts for suspicious activity and value the encryption and fraud detection protocols in place. Reviewers feel that these measures help protect both their business and their customers from fraudulent transactions. However, some users mention that the fraud prevention system can be overly strict, occasionally flagging legitimate transactions. Despite this, the overall sentiment is positive, with users feeling secure and confident in the system's ability to prevent fraud. Of the 114 Square Payments users who gave detailed accounts of their use of Payment Fraud Prevention, 93% rated this feature as important or highly important.


    Mobile Payments

    Reviewers find the mobile payments feature of Square Payments highly convenient and essential for their business. They appreciate the ability to accept payments anywhere using a smartphone or tablet, which is particularly useful for on-the-go transactions and events. Users report that the system is easy to set up and use, with fast and secure transactions. They also value the flexibility of various portable payment options and the ability to process payments without needing a traditional terminal. Of the 89 Square Payments users who gave detailed accounts of their use of Mobile Payments, 88% rated this feature as important or highly important.


    Online Payments

    Users highlight the convenience and efficiency of online payments with Square Payments. They appreciate the ability to send digital invoices, create online payment portals, and process payments securely from a laptop or desktop. Reviewers find that online payments boost sales by allowing customers to pay at their convenience. They also value capabilities like automatic payment reminders and the integration with other platforms. However, some users report issues with fund transfers and occasional problems with the online payment system. Of the 121 Square Payments users who gave detailed accounts of their use of Online Payments, 86% rated this feature as important or highly important.


    All Square Payments features

    Features rating:

    API
    Cash Management
    Credit Card Processing
    Mobile Access
    Mobile Card Reader
    Electronic Payments
    Receipt Management
    In-Person Payments
    Point of Sale (POS)
    Invoice Management
    Multiple Payment Options
    Billing & Invoicing
    Offline Access
    Partial Payments
    Reporting/Analytics
    Compliance Management
    Electronic Signature
    Contactless NFC
    Reporting & Statistics
    PCI Compliance
    ACH Payment Processing
    Third-Party Integrations
    Recurring/Subscription Billing
    Gift Card Management
    Cryptocurrency Processing
    Fraud Detection
    Customer Database
    SSL Security

    Square Payments alternatives

    Square Payments logo
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    QuickBooks Enterprise logo
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    NetSuite logo
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    Payabli logo
    5.0
    (2)
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    No pricing info

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    Free version
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    Customer Support

    Square Payments pricing

    Starting from

    Free

    Pricing details
    Subscription
    Free trial
    Free plan
    Pricing range

    User opinions about Square Payments price and value

    Value for money rating:

    Of 209 reviews that provide robust commentary on Square Payments's price and value, 74% mention it in a positive light.

    Most users consider Square Payments to offer good value for money, particularly appreciating its transparent and competitive pricing structure. They find the flat-fee per transaction model predictable and convenient, especially for small businesses and solo practitioners. Users appreciate the lack of hidden fees and the ability to avoid unexpected costs, which helps in managing cash flow effectively. The integration with other Square tools and the availability of a free version that covers essential needs are also highlighted as valuable features. Reviewers indicate that the cost of accessories and terminals is reasonable and quickly pays for itself. Some users report that while the fees can be high for smaller transactions, the overall convenience and functionality justify the costs.

    However, some reviewers feel that Square Payments can be expensive, particularly for businesses with high transaction volumes or those needing multiple add-ons. They mention that the cost per transaction and subscription fees can cut into revenue, and the price of accessories can be prohibitive for smaller businesses. Some users also note that the pricing has increased over time, making it less competitive compared to other options. Additionally, the need to pass on costs to consumers and the high cost of upgrading hardware are points of concern for some users.

    Check .

    To see what individual users think of Square Payments's cost and value, check out the review excerpts below.

    The largest enabling feature that Square provides: The processing costs are reasonable for the goods they offer and they are paid in the least noticeable way possible to not hamper your business' cash flow.
    Square Payments also offers competitive pricing and transparent fee structures, which can be appealing to small businesses that are looking for affordable payment processing solutions.
    However, when working with our Square sales rep, the options for non-profits for ourselves still required a fee be taken out from every donation. When we added up the payment processing fee, and our monthly/yearly membership costs - it was not efficient towards our overall goal of raising money for a rare disease - as the square fees were taking too much from each donation.

    Square Payments integrations (136)

    Integrations rated by users

    We looked through 2,565 user reviews, to identify which products are mentioned as Square Payments integrations, and what is the users perception.

    Integration rating: 4.8 (5)

    I use this to send invoice a to customers for custom and wholesale work. It works well and is easy/intuitive.

    This is how I get paid. Not to mention my clients pay me. It is easy and beneficial for all!

    KV

    Karise Vaporakis

    Manager

    1/2
    WooCommerce logo
    WooCommerce

    Integration rating: 4.0 (3)

    This is the only negative. It disconnects a lot and says I need to reset the connection. Appears to be no fix to it.

    Having invoicing and inventory directly linked solves many issues and reduces data entry hours.

    CM

    Carson Morby

    Sales Manager

    1/2

    Integration rating: 3.7 (3)

    low functionality, Terrible support. Do not bother investing in the Register. if you choose to go with them, get the ipad so you can jump ship faster.

    Having the option to use a POS system is critical, we also have a barcode scanner that integrates with the POS allowing for faster transactions.

    jb

    josh bachynski

    OWNER

    1/2
    ClinicSense logo
    ClinicSense

    Integration rating: 5.0 (3)

    ClinicSense is the service I chose. They use Square. I did not choose Square and would prefer not to after my recent experience with them.

    AT

    Anne Troake

    Osteopath

    Mailchimp logo
    Mailchimp

    Integration rating: 5.0 (2)

    The solution to send promo email to my customers ,....Very helpfull to send email fastly to all bussness customers at the same times

    FF

    Frederic Frederic

    Software designeer

    Wix logo
    Wix

    Integration rating: 4.0 (2)

    My website is integrated with Square for payment processing and I need this.

    KP

    Karen Penrod

    Owner

    Noterro logo
    Noterro

    Integration rating: 5.0 (2)

    This is what I use to do all of my patient scheduling and charting and it makes my life so much easier to be able to do everything in one place.

    CR

    Christina Robb

    Owner

    MassageBook logo
    MassageBook

    Integration rating: 5.0 (1)

    We use MassageBook for our online scheduling platform so clients can make an appointment 24/7. Square is integrated with MassageBook so when clients choose to prepay when making their appointment the two platforms work seamlessly together.

    BR

    Bonnie Rich

    Owner/Manager

    Integration rating: 5.0 (1)

    Integrating payments with my booking software is imperative for my book keeping and getting paid.

    MD

    Melody Dula

    Owner

    vcita logo
    vcita

    Integration rating: 5.0 (1)

    vCita manages my client's info and invoices while Square handles my credit card transactions and money transfers. The two integrate well together.

    JS

    Jeffrey Siegel

    Coach

    Landingi logo
    Landingi

    Integration rating: 4.0 (1)

    I integrated a payment button to help redirect customers to the payment page.

    PF

    Paulo Ferreira

    Administrator

    Wave logo
    Wave

    Integration rating: 5.0 (1)

    Connecting to the my accounting software just simplifies that process for me.

    JJ

    James Jones

    Owner

    Integration rating: 5.0 (1)

    I like the idea that I can use a software for my salon and then add in what I want to use for processing my cards. The two don’t specifically integrate but it is easy to use both for my business. I have looked in to the Daysmart credit card processing but I just was too happy with Square.

    CW

    Crystal Wiley

    Cosmetologist/salon owner

    Integration rating: 4.0 (1)

    I use square to take pos payment so the terminal is a very important feature that promotes me to use the software.

    BK

    Baljit Kaur

    Owner

    Checkfront logo
    Checkfront

    Integration rating: 1.0 (1)

    Messes up all reports. Basically doesn't track taxes and so you have to know some math to figure out what your actual numbers are.

    CH

    Colton Hoffman

    Owner

    Integration rating: 5.0 (1)

    I need to be able to take off credit cards when I’m having a pop up because people don’t carry cash

    AS

    Angelina Spooner

    CEO

    WordPress logo
    WordPress

    Integration rating: 5.0 (3)

    Homebase logo
    Homebase

    Integration rating: 5.0 (1)

    Jane logo
    Jane

    Integration rating: 5.0 (1)

    Setmore logo
    Setmore

    Integration rating: 5.0 (1)

    Google Pay logo
    Google Pay

    Integration rating: 1.0 (1)

    Linktree logo
    Linktree

    Integration rating: 5.0 (1)

    Integration rating: 3.0 (1)

    Stripe logo
    Stripe

    Integration rating: 5.0 (1)

    Thryv logo
    Thryv

    Integration rating: 5.0 (1)

    Square Payments support options

    Typical customers

    Freelancers
    Small businesses
    Mid size businesses
    Large enterprises

    Platforms supported

    Web
    Android
    iPhone/iPad

    Support options

    Phone Support
    FAQs/Forum
    Email/Help Desk
    Knowledge Base
    Chat

    Training options

    In Person
    Documentation
    Videos

    Square Payments reviews

    Overall rating

    4.7

    /5

    2.5K

    Positive reviews

    94

    %

    Rating breakdown
    • Value for money
    • Ease of use
    • Features
    • Customer support
    • Likelihood to recommend8.88/10
    Rating distribution

    5

    4

    3

    2

    1

    1.9K

    459

    94

    21

    30

    Pros
    I like that it is straight forward and easy to use, plus they offer additional products like financing and capital advances that are useful for growing businesses.
    I love the simplicity of the software. I love being able to accept credit card or debit card payments directly on my phone with the small noninvasive card reader that i attach to my phone.
    I love this software, our employees love it too because it gives them better tips at the end of the day.
    Cons
    I do not think I have have anything I do not like about square payments. I guess if you put in the wrong email that can be annoying but that more user error.
    I had to walk around & often ended up some distance away from the customer. It was awkward because I had to have their card with me & this probably made the customer feel uneasy.
    It also bothered me that they charge more to type in the card numbers when you’re unable to swipe the card in person.

    Square Payments FAQs

    Q. What type of pricing plans does Square Payments offer?

    Square Payments has the following pricing plans:
    Pricing model: Free


    Q. Who are the typical users of Square Payments?

    Square Payments has the following typical customers:
    Freelancers, Large Enterprises, Mid Size Business, Non Profit, Small Business


    Q. What languages does Square Payments support?

    Square Payments supports the following languages:
    English, Spanish, French, Japanese


    Q. Does Square Payments support mobile devices?

    Square Payments supports the following devices:
    Android, iPad, iPhone


    Q. Does Square Payments offer an API?

    No, Square Payments does not have an API available.


    Q. What other apps does Square Payments integrate with?

    Square Payments integrates with the following applications:
    Wix, Make, WooCommerce, Paymo, DAVO, QuickBooks Online Advanced, Synder, Poptin, Square Point of Sale, Acuity Scheduling, TouchBistro, Linktree, Weebly, Thrive by Shopventory, Ecwid, Fomo, MoeGo, Mailchimp, Craver, Square Invoices, MarginEdge, BigCommerce, Zoho Invoice


    Q. What level of support does Square Payments offer?

    Square Payments offers the following support options:
    Phone Support, FAQs/Forum, Email/Help Desk, Knowledge Base, Chat

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