Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Square alternatives

Consider fees, tech support and account stability when comparing these five point-of-sale and e-commerce solutions.

Updated . What changed?

Fact checked

Square spear-headed the mobile payment processing movement in 2009 and has since branched out into point-of-sale and e-commerce services. But since it’s a payment aggregator, you’ll likely see transaction holds. And its limited tech support leaves room for these five Square competitors to steal the show.

5 alternatives to Square

Square combines a point-of-sale (POS) system and e-commerce solutions, without monthly fees and a flat processing rate. These five platforms offer similar solutions, each with distinct advantages, but they may cost you extra.


  • Best for brick-and-mortar businesses that want more processing stability with a merchant account
  • Pricing: From $69 monthly
  • Free trial: Not available

Like Square, ShopKeep has useful app integrations from accounting apps to expanded e-commerce features. But ShopKeep sets itself apart with merchant accounts, which requires going through an extensive underwriting process and risk assessment. Once you have a dedicated merchant account, your transactions should go through with fewer hiccups than through a third-party payment processor.


  • 24/7 support. Get in touch with ShopKeep support by phone anytime.
  • No contract. ShopKeep bills your processing fees monthly, and there are no cancellation fees if you change your mind.
  • Merchant account. Unlike Square, ShopKeep isn’t a third-party processor. Instead, it issues merchant accounts, which generally mean fewer transaction and account holds.


  • Lack of transparency. ShopKeep keeps its processing fees under wraps. Unlike Square’s flat processing rate, ShopKeep uses an interchange model that varies monthly. And you’ll need to sit through a demo of its software before getting a quote.
  • Tech support wait times. Although service is available 24/7, many users report waiting over 30 minutes to speak to a rep.
  • E-commerce integration costs extra. Unlike Square’s free website builder, you’ll need to upgrade your plan to design a website and accept e-commerce sales.


  • Best for online merchants that require in-person processing hardware
  • Pricing: From $9 monthly
  • Free trial: 14 days

Square may offer a greater selection of point-of-sale hardware, but Shopify’s extensive e-commerce options make it an attractive alternative — especially for online merchants. Shopify’s sweeping library of app integrations and round-the-clock tech support give it a distinct advantage over Square for those interested in opening an online store.


  • App integrations. Personalize your online store with a robust library of over 3,200 app and plugin integrations.
  • 24/7 support. Access phone, email and live chat support around the clock.
  • Sales channels. Sell through Instagram, Facebook Messenger, Facebook Shop, Amazon and eBay.
  • Shipping discounts. Receive rate discounts of up to 90% from USPS, UPS, DHL Express and Canada Post.


  • No free tier. While a 14-day trial is available, Shopify’s service tiers require a monthly service fee to access the software.
  • Limited staff accounts. Even Shopify’s Advanced service tier limits staff accounts to no more than 15 users.
  • Poorly reviewed. Shopify receives negative feedback on both the Better Business Bureau and Trustpilot, with customers criticizing transaction holds and account closures for high-risk businesses.
  • Processing fees. Planning to use a third-party payment processor? Be prepared for processing fees of 0.15% to 2.0%.

PayPal Here

  • Best for businesses with small-ticket items
  • Pricing: No monthly fee
  • Free trial: None

Like Square, PayPal Here has user-friendly software for mobile and POS transactions. But PayPal has more competitive fees for in-person transactions with sales less than $100.


  • POS system. PayPal offers in-person payments by partnering with third-party POS providers, like Vend and Touchpoint. Your PayPal account can streamline your business by unifying your online and in-store sales.
  • Transparent pricing. PayPal’s website publishes its fees for its products and services. No jumping through hoops to find out what you’ll be charged.
  • Customize employee permissions. Manage up to 1,000 user-access levels, so you control who sees what.


  • No hosted e-commerce. You’ll need to build your own online store before adding PayPal to checkout.
  • Transaction holds. Like Square, PayPal Here is a third-party payment processor and may experience transaction and account holds.
  • Limited perks. No integrations or marketing extras, like customer loyalty programs.


  • Best for businesses that want 24-hour tech support
  • Pricing: From $9.95 monthly
  • Free trial: 90 days

Like Square, Clover offerings include payment processing and inventory tracking. But Clover takes the cake with its tech support, offering day-and-night assistance even on its lowest service tier. Square only provides 24/7 customer service on specific plans that start at $60 a month.


  • 24-hour tech support. Get day-and-night phone support. Live Chat is available Monday through Saturday.
  • Robust app market. Expand Clover’s features with software integrations such as QuickBooks and Nav.
  • Virtual terminal. Accept over-the-phone payments without any hardware or connect Clover with your BigCommerce or Ecwid online store.


  • No free hardware. Unlike Square, Clover doesn’t offer a free card reader to new merchants. And each reader is pricier than its competitors.
  • Monthly fee. Clover’s lowest service tier, when you sign up on its website, will run you $9.95 a month on top of transaction fees. Square has no monthly cost — you simply pay the transaction fees from your sales.
  • Price differences. Clover also sells its services through financial institutions, such as Citi and Wells Fargo. You may see different prices for its services. And customer service wasn’t the most forthcoming when we tried to ask about its different software fees.
  • Extra online store costs. Unlike Square’s free online shop, you’ll need to upgrade your Clover subscription to access the Clover Online Store app to build an e-commerce store.

Payment Depot

  • Best for small businesses processing over $5,000 monthly
  • Pricing: From $49 monthly
  • Free trial: Not available

There’s a reason Payment Depot made our best payment processors list: it’s well-reviewed, well-rounded and offers transparent pricing. Wholesale processing rates are offered alongside free point-of-sale hardware and month-to-month billing. That said, we ran the numbers and Square stands as the cheaper processor for micro-merchants processing $5,000 or less monthly.


  • Well-reviewed. Payment Depot maintains an A+ rating with the Better Business Bureau and an “Excellent” 4.9-star rating on Trustpilot.
  • Wholesale rates. All of Payment Depot’s membership tiers offer wholesale processing rates and next-day funding.
  • Free POS hardware. This processor offers terminals and mobile card readers for free to new customers.


  • Pricey for micro-merchants. The subscription-based pricing that Payment Depot offers can be fiscally advantageous — but only for merchants processing over $5,000 monthly.
  • Limited support. Payment Depot’s 24-hour technical support isn’t available to merchants who sign up for its Basic service tier.
  • Processing fees. Planning to use a third-party payment processor? Be prepared for processing fees of 0.15% to 2.0%.

Compare other alternatives to Square

Data indicated here is updated regularly
Name Product Monthly fees start at Processing fees start at Processing time High-risk merchants accepted?
Chase Merchant Services
2.6% + 10¢ per swiped credit card
Next day when you deposit into a Chase business checking account
Accept, process and deposit customer payments in your store, online or on-the-go.
$0.08 + interchange per transaction
Next day for qualified businesses
Businesses that process more than $10,000 monthly can save with Fattmerchant's interchange+ pricing.
2.9% + 10¢
Next day
Square is a one-stop shop with both e-commerce and in-person solutions.
1.92% + $0.08 per transaction
Two business days
Conveniently packaged into three service tiers for in-person and online sales.

Compare up to 4 providers

Bottom line

These Square alternatives help unify your in-person and online sales. Take a look at their extra features to see which solution is best for your business. But if you’re not convinced, compare a few other POS systems.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site