Venmo vs Square Virtual Terminal

PayPal

Square Point of Sale

PayPal Point of Sale

Cash App

Bindo POS

PayPal Checkout

Compare Venmo and Square Virtual Terminal based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

Cash App is a web-based finance mobile application designed to help businesses send money, design debit cards, and buy stocks and bitcoins. With $cashtag, users can send and receive money using multiple devices.

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

Square Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

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

ACH Payment Processing

Credit Card Processing

Data Security

Debit/Credit Card Processing

Electronic Payments

In-Person Payments

Mobile Payments

Multiple Payment Options

Online Payments

Partial Payments

Payment Processing

Point of Sale (POS)

Promotions Management

Reporting/Analytics

Sales Reports

Transaction History

Venmo

Android

Web-based

iPad

iPhone

Owner

It is still hard to find our business even with the exact handle and there is no way to retract a payment if sent to wrong person. That's a little nerve racking if a client gets our @name wrong.

Account Manager

I understand from security reasons, but it is annoying. Apparently it is possible now, but has been a pain to figure out.

Owner, creator

Makes for easy transfers in or out of my bank account and customer service is AMAZING. Customer Service is also available through chat, and I LOVE that.

Sr Marketing Manager

I love Venmo and would recommend it to anyone who needs an easy way to send or request money. I have found it to be more user friendly than PayPal and other similar products.

Associate Professor

There is a potential of 'abuse' in that the transactions are irreversible. Also, the default setting is 'public.

Student

The app is super easy to navigate and also is great for paying friends, because there is no fees like with paypal. The app is super inexpensive and an even be completely free if used a certain way.

Receiving Manager

Venmo is a great and easy way to transfer money with a  fun social aspect to it. Cashing out to your bank account is easy and keeping money in your Venmo account is great as well.

Counselor

I love that it is super easy to use from sharing the cost of a meal with a friend to paying for goods purchased from a friend or seller. No fees, nothing hidden or unknown.

Full Specialist

The thing that I love most about this software is that there is absolutely no charge to have it. It gives my clients a reliable, secure and easy checkout once their services have been completed.

Housekeeper

Thing I like most is the ease of use this app provides, super simple to request and accept payments and so is the ability to transfer funds.

Customer Support Specialist

Venmo is an amazing tool, its clean UI and simple set up make it a must-have for personal or office use. The ability to scan QR codes to add people is amazing.

Program Coordinator

I like how easy it is to use not only among friends but any other vendors who have the software or app. I am always happy when a vendor uses Venmo because I know it's going to be an easy transaction.

Attorney

If you are really desperate for the money immediately, then you have to pay a small percentage.

Data Protection Officer

Venmo is so nifty and easy to use, I love how widely accepted it is when we have to travel to the US, and how it's quite intuitive. It's also great that it can be used for group payments.

Tech Support

You can't like anything better than receiving money instantly through an app. The software is easy to use and fun.

Consumer Services Coordinator 

It helps with pitching in for office gifts for coworkers, as I don’t usually have cash on hand. The customer service is great, and it is a secure service.

Engineer

Also, I love the ios version as you can integrate it with Siri and ask Siri to do transaction for you which is a great feature I think.

IT Specialist

I think my overall experience is great. It is easy to use and most people are using this platform anyways so its really easy to drop it in and integrate with your services.

Venmo screenshot

Freelancers

Large Enterprises

Mid Size Business

Non Profit

Public Administrations

Small Business

The PayPal Here app is a mobile point of sale (POS) software designed to help businesses securely process debit or credit card payments and generate invoices. The application enables retailers and manufacturers to create and organize product lists and add details including photos and descriptions.

PayPal Checkout is a payment checkout platform that enables retailers to process payments via various payment modes.

Bindo is a cloud-based iPad POS solution which facilitates online shopping for the end consumer through the Bindo Marketplace, with features for multi-store management, purchase orders, time clock, credit card processing, API integration, analytics & reports, inventory management, & more

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.

Accounting Integration

Activity Dashboard

Billing & Invoicing

Credit Card Management

Data Import/Export

Fraud Detection

Mobile Card Reader

Payment Fraud Prevention

Payment Links

PCI Compliance

Purchasing & Receiving

Real-Time Reporting

Receipt Management

Recurring/Subscription Billing

Reporting & Statistics

Third-Party Integrations

Square Virtual Terminal

Portrait artist

My overall experience has been great. I've only needed their customer service help once and they were awesome.

Buyer

The worst part of Square Virtual Terminal is the Square part. Ive had horrible experience using Square in the past.

propietor

I can have access to my funds immediately for an additional fee, I can use it with my phone, they offered stock options when they first did an IPO, and I love the ease of use.

Implementing this with Squarespace and QuickBooks was super easy.

The transactions fees are a bit higher if you don't have the card present. Meaning if you take payment over the phone you will be charged a higher processing fee for that transaction.

Chiropractic Assistant

Overall Square Virtual Terminal has been an amazing way for us to collect payments while we are out of the office at events.

President

Having the virtual terminal is wonderful when you need to spin up a dynamic POS / additional processing lines.

I love how easy it is to collect payments and keep track of patrons.

I enjoy the ease of use / UI they managed to keep it similar across all platforms (iOS, Virtual terminal in a browser / android along with their terminal too).

Manager

I liked their software easy to use and setup pos system and easy to program inventory and design.

The lack of features, cost and general lack of worth.

Square virtual terminal is one bright spot in an otherwise terrible program.

Senior Software Engineer

I can get help quickly from the Customer Service. Everything i need on a daily basis is here.

Venmo vs Square Virtual Terminal Comparison (2026)

Venmo

Square Virtual Terminal

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives