Square Payments Software Pricing & Features

Square Payments

Online payment processing for merchants & vendors

4.77/5 (114 reviews)

Square Payments overview

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.


Pricing options
Value for money
View Pricing Plans


Business size



United States, Australia, Canada, Japan, United Kingdom

Supported languages

Square Payments screenshot: Take payments anywhere, from any device, and view payment details, recurring payments, cards on file, and moreHow Square WorksSquare Payments screenshot: Connect Square payments processing with Square hardware devices to accept all major credit cardsSquare Payments screenshot: Accept credit card payments by integrating with Square card reader hardware and POS software

Square Payments reviews

Value for money
Ease of use
Customer support
Amanda Swan

I wouldn't have my small business without Square Payments Processing!

Used daily for 1-2 years
Reviewed 2018-05-21
Review Source: Capterra

I love the ease and reliability of using Square, I didn't experience any sort of learning curve when I began using it for my photography studio. I appreciate that the customer isn't burdened with the processing fee, and I (and my customers!) trust the security of the credit card processing. The staple features for me are the invoicing system and the sales reports. I think the processing fee is perfectly reasonable for the ease of use, multiple features, and peace of mind I get from using Square.

Read the full review

Square Payments

Online payment processing for merchants & vendors

Renee Cantwell

Economical and Flexible Payment Processing

Used daily for 2+ years
Reviewed 2018-09-12
Review Source: Capterra

Fees/percentages are lower than most other payment processors. Equipment is minimal and inexpensive. No need to buy expensive processing equipment. Equipment is mobile, and works right with your smart phone or tablet, and with multiple devices. Payment is in my account the next day. Website has a variety of helpful reports to help you manage your income, and a store front feature with items and you can paste the link right on your website.

Read the full review

Square Payments

Online payment processing for merchants & vendors

Neal Idnani

Simple to use and Transparent pricing .

Used daily for 2+ years
Reviewed 2018-07-31
Review Source: Capterra

Flat 2.75% pricing on credit card processing. Our biggest pain point with other merchant processors was an extremely opaque process. At the end of the month, we would get a statement that was a dozen pages long and impossible to decipher. No matter what, we always ended up paying more than 2.75%. So, we save a lot of money and headache with square

Read the full review

Square Payments

Online payment processing for merchants & vendors

George Gonzalez-Rivas

It's been much-copied, but Square holds up well.

Used weekly for 2+ years
Reviewed 2018-07-31
Review Source: Capterra

A great solution for a small company, a trade-show seller, or anybody with difficulty getting a merchant account. I was an early adopter and my use case was a little different. I was selling expensive software from a foreign country and we didn't have a Merchant Account because the owner lived abroad and I didn't want to underwrite the operation. Bingo! Square to the rescue! With their model of holding a portion of the revenue until the transaction cleared it eases their risk and makes my life a LOT easier. Instead of 30-60 days' delay for PO's, etc. I could sell immediately and have about 80% of the cash next day... and the rest far sooner than the PO route anyway. Game changer for people in my situation.

Read the full review

Square Payments

Online payment processing for merchants & vendors


Very easy to use with little issues.

Used daily for 2+ years
Reviewed 2018-02-14
Review Source: Capterra

Super easy to use, never a funding issue, low and consistent merchant service costs, customizable for your products or services. We left the big bank, variable rate merchant services and have never looked back. Seem to strive to improve services offered.

Read the full review

Square Payments

Online payment processing for merchants & vendors

Square Payments pricing

Pricing options
View Pricing Plans

Per swipe/dip/tap: 2.75%
Keyed in: 3.5% + $.15 per transaction
Online & invoices: 2.9% + $.30 per transaction

Custom pricing packages are also available. Contact Square for more information.

Pricing Comparison

How does Square Payments compare with other Website & eCommerce apps?

Subscription plan?

Square Payments

95% of apps offer a
subscription plan

Free trial?

Square Payments

77% of apps have a
free trial

Freemium plan?

Square Payments

29% of apps have a
freemium plan

Pricing Comparison

Website & eCommerce app prices shown are $/month

Please note: For comparison purposes the price for Square Payments has been scaled monthly. Actual price is $/per year

Square Payments Pricing Reviews

  • I can send customized online invoices and my customers can pay online.
  • The ability to use a payment processor with a reasonable cost for a business with very few transactions.
  • Allows for my business to grow (accepting credit cards). Easy to use and set up. Invoicing is useful too.
  • It takes credit card payments, tracks sales. It all works the way it is supposed to. It is also very simple.
  • The high credit card fees can cut into profits.
  • No problems really. Everything is so easy and convenient.
  • That we have to have different readers for different cards. I wish the money transferred hands sooner.
  • If I had to say anything negative about Square, it would be the price of transaction fees could be lower.
recommended this to a friend or a colleague

Square Payments features

Electronic Payments
SSL Security
Third Party Integration

Access Control (38 other apps)
Activity Dashboard (55 other apps)
Automatic Notifications (53 other apps)
Content Management (58 other apps)
Custom Forms (46 other apps)
Customizable Branding (79 other apps)
Customizable Templates (74 other apps)
Data Import/Export (49 other apps)
Discount Management (38 other apps)
Drag & Drop Interface (54 other apps)
Order Processing (38 other apps)
Product Catalog (52 other apps)
Reporting & Statistics (38 other apps)
Search Functionality (52 other apps)
Social Media Integration (37 other apps)
eCommerce Management (49 other apps)

Competitor Feature Comparison

Videos and tutorials

Additional information for Square Payments

Key features of Square Payments

  • Debit card support
  • Online payments
  • POS transactions
  • Receipt printing
  • Sales / order reporting
  • In-person payments
  • Mobile payments
  • Cash transactions
  • Mobile card reader
  • Contactless NFC
  • ACH payment processing
  • Electronic payments
  • Credit card processing
  • Direct deposit
  • Fraud detection
  • Security & encryption
  • Third party integration
  • POS integration
  • Gift card system
  • Partial payments
  • Electronic signature capture
  • PCI DSS compliance
  • Invoice management
  • Client database
  • eCommerce integration
  • Offline access
  • API
  • Sales orders
  • Receipt management
  • Cash management


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.