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.

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.

ShopKeep

ShopKeep

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.

Pros
  • 24/7 support
  • No contract
  • Merchant account
Cons
  • Lack of transparency
  • Tech support wait times
  • E-commerce integration costs extra
ProductsPayment processing, POS software, POS hardware, Inventory tracking
SolutionsIn-store, Online
Monthly fees start atAround $69/month
Processing fees start atVaries
Cancellation feeVaries

Shopify

Shopify

Go to site
on Shopify's secure site

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.

Pros
  • App integrations
  • 24/7 support
  • Sales channels
  • Shipping discounts
Cons
  • No free tier
  • Limited staff accounts
  • Poorly reviewed
  • Processing fees
ProductsPayment processing, Website builder, Inventory tracking, Shopping cart software, Shipping software
SolutionsIn-store, Mobile, E-commerce
Monthly fees start at$29/month
Processing fees start at2.9% + $0.30 online; 2.7% in person
Cancellation feeNone
HostingHosted

PayPal Here

Paypal Here

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.

Pros
  • POS system
  • Transparent pricing
  • Customize employee permissions
Cons
  • No hosted e-commerce
  • Transaction holds
  • Limited perks
ProductsPayment processing, POS software, POS hardware, Inventory tracking
SolutionsMobile
Monthly fees start atNone
Processing fees start at2.7% per transaction
Processing timeSame day with a linked PayPal Business Debit Mastercard
Cancellation feeVaries
High-risk merchants accepted?Yes

Clover

Clover

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.

Pros
  • 24-hour tech support
  • Robust app market
  • Virtual terminal
Cons
  • No free hardware
  • Monthly fee
  • Price differences
  • Extra online store costs
ProductsPayment processing, POS software, POS hardware, Inventory tracking
SolutionsIn-store
Monthly fees start atNone
Processing fees start at2.7% + 10¢
Cancellation feeVaries

Payment Depot

Payment Depot

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.

Pros
  • Well-reviewed
  • Wholesale rates
  • Free POS hardware
Cons
  • Pricey for micro-merchants
  • Limited support
  • Processing fees
ProductsPayment processing
SolutionsIn-store, Mobile, E-commerce
Monthly fees start at$49/month + interchange
Processing fees start at$0.15 per transaction
Processing timeNext day
Cancellation feeVaries
High-risk merchants accepted?No

Compare other alternatives to Square

Name Product Monthly fees start at Processing fees start at Processing time High-risk merchants accepted?
Chase Merchant Services
Chase Merchant Services
None
2.6% + 10¢ per swiped credit card
Next day when you deposit into a Chase business checking account
No
Accept, process and deposit customer payments in your store, online or on-the-go.
Fattmerchant
Fattmerchant
$99/month
$0.08 + interchange per transaction
Next day for qualified businesses
No
Businesses that process more than $10,000 monthly can save with Fattmerchant's interchange+ pricing.
Square
Square
None
2.9% + 10¢
Next day
No
Square is a one-stop shop with both e-commerce and in-person solutions.
Helcim
Helcim
$20/month
1.92% + $0.08 per transaction
Two business days
No
Conveniently packaged into three service tiers for in-person and online sales.
Payline Data
Payline Data
$10/month
0.2% + interchange + $0.10 per transaction
Next day
Yes
Accepts high-risk merchants and offers discounted rates for nonprofits.
Payment Depot
Payment Depot
$49/month + interchange
$0.15 per transaction
Next day
No
Avoid surprises with subscription-based pricing.
Stripe
Stripe
None
2.7% + $0.05 per transaction
2 business days
No
Integrated apps help you manage your business in one place.
loading

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

What types of payment does ShopKeep accept?

ShopKeep accepts major credit cards, such as Visa, Mastercard, Discover and American Express. It does not accept cash or checks. If you purchased a subscription through the Apple App Store or the Google Play Store, you can use any payment method accepted in the app store.

Does PayPal Here work on my website?

PayPal Here is primarily a mobile payment solution. You can integrate PayPal Checkout to your online shop. Manage sales across all platforms from your PayPal app.

Can I lease a Clover device?

Yes, Clover offers interest-free installment plans for devices purchased directly from Clover.

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com 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

Finder.com 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 finder.com Terms of Use.

Questions and responses on finder.com 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