Square Payments Pricing, Features, Reviews & Comparison of Alternatives

Square Payments

Online payment processing for merchants & vendors

4.71/5 (776 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

Pricing options
Value for money
View Pricing Plans

Devices

Business size

S
M
L

Markets

United States, Australia, Canada, Japan, United Kingdom

Supported languages

English
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
Features
Ease of use
Customer support
  4.5
  4.6
  4.7
  4.4
Robert Press

Square is a great option for businesses with mid to lower volume credit card payments

Used daily for 2+ years
Reviewed 2019-11-15
Review Source: Capterra

Square allows us to process credit card payments without having to pay a monthly fee, and the amount we pay is a fixed percentage of credit card receipts. They are a pleasure to use.

Pros
Square sets up quickly, is easy to configure and add items and service to, and produces excellent receipts for the customer. It also integrates into Quick Books for easy importing of transactions.

Cons
Occasionally, the card reader has problems connecting to the iPhone we use as a terminal. Even more occasionally, the phone has problems reading from the credit card swipe reader. I'm honestly not sure if this is a Square problem or an iPhone problem. It's not frequent enough to complain about overall.

Rating breakdown

Value for money
Ease of use
Features
Customer support

Likelihood to recommend: 10/10

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Cornelia Vasilescu

The best in the town ( market )

Used daily for 2+ years
Reviewed 2019-09-19
Review Source: Capterra

Very easy and have access to lots of account futures and perks. We have dedicated Android device that work perfect. Very happy with Square POS.

Pros
We are using this software probably 4 years now, without any any problem. During the time we use different devices and works 100%, without any glitch. Square support was helping us few times to make the tings right and we are very happy in their professionalism and security of all the system. Ohh, yea on this days the security is very important in any business when you work with Credit Cards and money. They are on the top of the game. We try few times other merchants to reduce the fees, but get back to Square for the great service and support.

Cons
Not real any, If the swap fees would be little lower than 2.75% probably will be great. But hay! prefer service and security first. Very important for our clients and us.

Rating breakdown

Value for money
Ease of use
Features
Customer support

Likelihood to recommend: 10/10

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Hank Powers

Square - great for small businesses, and not just retail!

Used monthly for 2+ years
Reviewed 2019-09-03
Review Source: Capterra

Overall, I love Square. The ability to receive payment from practically anywhere at any time is HUGE for a small business owner. My ability to set up my clients in the address book and add their card on file saves a ton of time. I also like that only the last 4 of their credit card shows up. I do not want the burden of having all that info on file.

Pros
Square is a great solution to a small business who wants to ensure they can be paid easily, regularly and without burdening their clients. I use it to receive monthly payment for my services for about 30 of my clients and it makes my life and my clients lives easier. Yes, you pay a processing fee, but it is competitive and well worth that small fee to ensure that I get paid. Plus, it only takes me a few minutes to receive payment from all those clients.

Cons
There are some elements of Square that are not as intuitive as they could be. Setting up a clients card on file can be tricky at times, especially if you use the web browser vs. the app. In general, use the app for EVERYTHING you do and you'll be fine. The other issue I have sometimes is the checkout process. That times a bit of time to get used to and can feel clunky. This should be easier and I believe that Square will do their part to make the updates in time. The final thing, and this is something that may not impact many people, but I use my headphones a lot. I have to be sure to remember to unplug/disconnect them before opening the Square app. If not, it thinks my headphones are the card reader and hits me with a very loud, old school fax machine connection type sound. A painful experience!

Rating breakdown

Value for money
Ease of use
Features
Customer support

Likelihood to recommend: 10/10

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Adeoye Aganga-Williams

Easy on the go Processor

Used occasionally for 6-12 months
Reviewed 2019-09-03
Review Source: Capterra

I really liked Square. It was very easy to use and made things more efficient. Anything I needed to look up took less than a minute to find. I only needed to contact customer service once and they answered almost immediately. It was very new to us, but I don't ever remembering struggling trying to find things. I also really liked that is was online based. A lot of things we used was based off of our server, so you had to be in the office to use it. Square gave us the ability to be able to look up transactions no matter where we were.

Pros
I really liked how easy it was to use and implement. We badly needed to have a way to start accepting debit and credit cards. Square helped make that transition easy. We were able to not only take electronic payments in the Finance office, but the Police station as well. It was very easy to use so even teaching people how to use the software was relatively easy. Also you could figure out things easily by just playing around on the site.

Cons
The only thing I did not like was that there was no option to look at all the departments when it came to transactions and reports. So like if we had 3 departments I could not just look at all the transactions for the day throughout each department. I would have to click the individual department, get what I needed, then repeat it. It made things annoying because it would take a bit longer to record transactions from Square to our accounting software

Rating breakdown

Value for money
Ease of use
Features
Customer support

Likelihood to recommend: 9/10

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Shannon Hall

Grow your business quickly

Used daily for 1-2 years
Reviewed 2019-08-27
Review Source: Capterra

Square eliminated the need for costly card readers from a bank. The invoice feature allowed you to add clients and track when/if an invoice was paid. Overall, Square is an amazing product that is very versatile and a small business hero.

Pros
Square allows you to take secure payments anywhere. No start-up cost and low processing fees. They also offer a desktop ‘register’ that doesn’t require any software to be installed. Square gave us a professional way to take sales in the field because it eliminates the need for cash payments and gives your customers ease-of-mind when dealing with a start-up. It also provides analytics so that you can track the amount of money you have made and compare that to sales during another time-period. The invoice to email feature was also a time-saver.

Cons
The pre-determined processing term for funds to be released. You could utilize the paid-for early processing feature but, as a start-up, this was often out of reach. We used this service to take deposits to order client-specific materials so this additional processing time made it difficult to plan projects on occasion.

Rating breakdown

Value for money
Ease of use
Features
Customer support

Likelihood to recommend: 10/10

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Square Payments pricing

Pricing options
Subscription
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.

Square Payments features

API
Electronic Payments
Third Party Integration
eCommerce Integration

Access Control (67 other apps)
Activity Dashboard (94 other apps)
Automatic Notifications (81 other apps)
Content Management (102 other apps)
Custom Forms (75 other apps)
Customizable Branding (123 other apps)
Customizable Templates (122 other apps)
Data Import/Export (97 other apps)
Drag & Drop Interface (101 other apps)
Product Catalog (77 other apps)
Reporting & Statistics (88 other apps)
Search Functionality (92 other apps)
Social Media Integration (68 other apps)
Template Management (66 other apps)
Website Management (65 other apps)
eCommerce Management (79 other apps)

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
  • Cash management
  • Credit card processing
  • Client database
  • Direct deposit
  • eCommerce integration
  • Electronic payments
  • Invoice management
  • Offline access
  • Partial payments
  • POS integration
  • Security & encryption
  • Third party integration
  • Receipt management
  • Fraud detection
  • PCI DSS compliance
  • API
  • Sales orders
  • Electronic signature capture
  • Gift card system
  • ACH payment processing
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Benefits

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.