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Venmo vs Square Virtual Terminal Comparison (2026)

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Venmo logo

Venmo

Square Virtual Terminal logo

Square Virtual Terminal

Overview

Venmo is a digital wallet and payment gateway that allows customers to send money and make purchases via mobile device, and share activity via the purchase feed

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
  • 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

Video & Screenshots

No videos yet

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

9.3K

5

4

3

2

1

7.4K

1.4K

299

83

65

  • Value for money
  • Ease of use
  • Features
  • Customer support
87%
would recommend this app

4.6

37

5

4

3

2

1

29

3

3

1

1

  • Value for money
  • Ease of use
  • Features
  • Customer support
81%
would recommend this app

Pros

“Being able to transfer money instantly to my bank account for a tiny fee proves extremely practical when I need to unlock small amounts of cash urgently while traveling.”
HH

Heather H.

Marketing and Communications Executive

“The qr code feature is also really handy when you are meeting someone for the first time like at a flea market because you dont have to type in a long username and risk sending money to the wrong person.”
Verified reviewer profile picture

Temiloluwa E.

Student

“It allows for you to easily send money to friends, family members, and collect payments for business purposes.”
BT

Brianna T.

Founder

Pros

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

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”
JB

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.”
SK

Scott K.

Buyer

Cons

“I set up a business profile for collecting and sending payments for my small business. Once I added my checking account, I proceeded in trying to send a payment and got an error message.”
CH

Colleen H.

OWNER

“Additionally, customer support can be limited if there are issues with an account or a payment dispute. While it’s very convenient for everyday use, these drawbacks can occasionally be frustrating.”
RR

Rebecca R.

Production manager

“Sometimes there are minor glitches such as notifications or incompletion of transaction details that causes confusion.”
NH

Nguyen H.

Deputy Service Manager

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.”
TK

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. ”
SK

Scott K.

Buyer

  • Vendor responds to reviews
  • Last review25 days ago
  • Vendor responds to reviews
  • Last review4 months ago

Key features

  • Total features16
  • ACH Payment Processing
  • API
  • Accounting Integration
  • Activity Dashboard
  • Billing & Invoicing
  • Credit Card Management
  • Credit Card Processing
  • Data Import/Export
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Payments
  • Fraud Detection
  • In-Person Payments
  • Mobile Card Reader
  • Mobile Payments
  • Multiple Payment Options
  • Online Payments
  • PCI Compliance
  • Partial Payments
  • Payment Fraud Prevention
  • Payment Links
  • Payment Processing
  • Point of Sale (POS)
  • Promotions Management
  • Purchasing & Receiving
  • Real-Time Reporting
  • Receipt Management
  • Recurring/Subscription Billing
  • Reporting & Statistics
  • Reporting/Analytics
  • Sales Reports
  • Third-Party Integrations
  • Transaction History
  • Total features28
  • ACH Payment Processing
  • API
  • Accounting Integration
  • Activity Dashboard
  • Billing & Invoicing
  • Credit Card Management
  • Credit Card Processing
  • Data Import/Export
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Payments
  • Fraud Detection
  • In-Person Payments
  • Mobile Card Reader
  • Mobile Payments
  • Multiple Payment Options
  • Online Payments
  • PCI Compliance
  • Partial Payments
  • Payment Fraud Prevention
  • Payment Links
  • Payment Processing
  • Point of Sale (POS)
  • Promotions Management
  • Purchasing & Receiving
  • Real-Time Reporting
  • Receipt Management
  • Recurring/Subscription Billing
  • Reporting & Statistics
  • Reporting/Analytics
  • Sales Reports
  • Third-Party Integrations
  • Transaction History

Integrations

  • Total integrations4
  • Cash App
  • Google Sheets
  • Meta for Business
  • Microsoft Excel
  • PayPal
  • PayPal Enterprise Payments
  • QuickBooks Money
  • Square Invoices
  • Square Point of Sale
  • Total integrations5
  • Cash App
  • Google Sheets
  • Meta for Business
  • Microsoft Excel
  • PayPal
  • PayPal Enterprise Payments
  • QuickBooks Money
  • Square Invoices
  • Square Point of Sale

Alternatives

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