Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.
Square vs. PayPal Here
Compare tools and pricing for two big names in on-the-go payment processing popular with small businesses.
While Square may have pioneered point-of-sale (POS) payment processing in 2009, it’s not the only fish in the pond. PayPal Here launched in 2012, equipped with its own card reader and app to accept mobile payments. Both payment services have similar price points per transaction, but the extra features set them apart.
How do Square and PayPal Here compare?
|Which should I choose?||Choose Square if you’re a small business processing less than $250,000 annually||Choose PayPal Here if you’re a small business that needs a mobile POS.|
|Overview||A good option for merchants that need a full hardware lineup.||A good option for venders that want a straightforward, standard POS system.|
|Price starts at||2.6% + 10¢ for payment processing, POS software included||2.7% per transaction|
|Processing time||Next day||Same day with a linked PayPal Business Debit Mastercard|
|High-risk merchants accepted?||No||Yes|
|BBB letter rating||A+||A|
|Not yet rated|
|Reputation and customer reviews||Reviews are mixed while some customers praise a smooth onboarding process, others complain about difficulty getting in touch with its support team.||Reviews from Google Play and the App store are mostly positive. Customers praise quick transaction processing, while others complain about software login errors.|
Square can help you manage your small business if you need a variety of payment-processing platforms on an integrated POS system. But if you’re only looking for a streamlined on-the-go POS system, PayPal Here may be a better option.
Frequently asked questions
More guides on Finder
Shopify vs. Squarespace
Both can help you open an online store, but only one offers in-house payment processing.
With plans that start at under $20 a month, it’s one of the best website builders available — especially for business owners.
Top 3 alternatives to Stripe for small businesses
3 Stripe alternatives that don’t need coding experience.
3 Square alternatives that combine point-of-sale and e-commerce features.
PayPal Here alternatives
3 payment provider alternatives to PayPal Here
Alternatives to Shopify
3 online selling platform alternatives to Shopify.
Stripe vs. Braintree
Compare pros, cons and reputation to make the right choice for your business.
How does PayPal.Me work?
Learn how to create a custom link for your PayPal account and what you can use it for.
A payment processing and merchant account for developers, best for the digital marketplace.
Comprehensive payment processing for restaurants, retailers and golf facilities.
Ask an Expert