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Stripe Payments vs Square Virtual Terminal Comparison (2026)

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Good recommendations?

Stripe Payments

Square Virtual Terminal

Overview

Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

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

No pricing info

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

4.6

3.3K

2.4K

655

121

Value for money

Ease of use

Features

Customer support

81%

would recommend this app

4.6

Value for money

Ease of use

Features

Customer support

81%

would recommend this app

Pros

“Stripe really stands out for making complex payment processing feel intuitive, with clean APIs, excellent documentation, and a structure that allows you to scale from a simple checkout to a fully customized payment ecosystem.”

Marc R.

Talent

“Having our invoicing and accounts receivable in a single dashboard was helpful to a team that spans several time zones and has lots of moving pieces with various clients needing different billing cycles.”

Kaleb V.

Founder and Managing Member

“The dashboard is clean, payments and payouts are reliable, and it covers invoicing, subscriptions, and recurring billing without extra tools.”

Stephen S.

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

“We are a small, privately owned veterinary hospital that has spent years serving our community and caring for people's pets. Despite operating a legitimate business with documented transactions, Stripe suddenly withheld and removed nearly $7,000 from our account, placing a significant financial burden on our practice.”

Jennifer J.

Practice Manager

“Customer support and client support can feel slow on dispute appeals, while edge case bugs and issues in webhook retries disrupt ease of use for card payments and credit card payments.”

Estrella A.

Software Engineer

“In rare instances, we have faced issues while syncing the transaction data with our ERP software and that may lead to some time delay in payments being reconciled on our site.”

Eric P.

ERP Supervisor

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