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Square Payments vs Square Virtual Terminal Comparison (2026)

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Square Payments

Square Virtual Terminal

Overview

Accept every way your customers want to pay with Square Payments.

Square Virtual Terminal is a cloud-based software that helps businesses process and accept payments from multiple payment methods including cash, checks, gift cards and more. Managers can charge payments on customers' credit or debit cards and maintain a record of all payments in the database.

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Platforms supported

Web-based
iPhone app
Android app
Windows Phone app

Typical customers

Freelancers
Small businesses
Mid size businesses
Large enterprises

Customer support

Phone
Online
Knowledge base
Video tutorials

view more detailsview details

Video & Screenshots

Pricing

Starting from

Free

Free trial available
Credit cardless trial
Free account
Subscription based

Starting from

Free

Free trial available
Credit cardless trial
Free account
Subscription based

User reviews

4.7

2.7K

487

Value for money

Ease of use

Features

Customer support

84%

would recommend this app

4.6

Value for money

Ease of use

Features

Customer support

81%

would recommend this app

Pros

“The system is straightforward to navigate, and the reporting tools provide helpful insights into sales and customer activity. While fees and occasional account reviews can be a drawback, the convenience, professionalism, and efficiency it brings to daily operations make it a valuable tool for business.”

Rebecca R.

Prodution manager

“As a small business owner, I need tools that save me time, and Square makes it easy to accept payments, track sales, send invoices, and manage my business all in one place.”

Ajah B.

Owner CEO

“Deposits are reliable, and the mobile app allows me to monitor transactions even when I'm away from the office.”

Reyna F.

Brand Manager

Pros

“The issue was only addressed after formal escalation to the Consumer Financial Protection Bureau (CFPB) and State Attorneys General.”

Thomas K.

Owner and Member

“What I like least it that is costs more if you do not swipe a card. If you manually enter the card information you pay a bit more per transaction”

Jenine B.

Office Administrator

“Being Able to set up recurring payments is my favorite feature and it’s easy to navigate your way around the site.”

Scott K.

Buyer

Cons

“The fees associated with square or astronomical; additionally, it would lose connectivity, and we had to buy special software and equipment that did not work across all devices.”

Melissa W.

Hospital administrator

“Endless updates that take a lot of time, often fail and are unable to be skipped while a client is standing waiting in front of you”

Angela W.

Owner

“The biggest downside is the processing fees, which can add up over time, especially on smaller transactions.”

Jeffrey W.

Owner

Cons

“After weeks of attempting to resolve a critical merchant data dispute regarding an unauthorized live website container maintained on their infrastructure, Block, Inc. (Square) demonstrated an alarming lack of administrative accountability. Despite receiving explicit digital privacy portal requests and a physical corporate demand delivered via USPS Certified Mail to their headquarters, the company maintained the public data pipeline for weeks.”

Thomas K.

Owner and Member

“My account was deactivated for no good reason which made it literally impossible to talk to anyone at customer service. ”

Scott K.

Buyer