Square vs takepayments – compare card readers

Square and takepayments both offer card readers for small businesses, but which one is better? We compare both card machine providers in this guide.

Compare Square and takepayments Compare providers
Compare the full range Compare products

Square is one of the most popular card reader providers but how does the UK-based takepayments compare?

Square vs takepayments: provider overview

Square has just 2 products: the basic, mobile Square Reader, and the larger, more versatile Square Terminal. takepayments has a range of 4 – Mobile, Portable, Countertop and Plus – but does it offer twice the quality?

Square
ProductsSquare Reader, Square Terminal
Payment methodsContactless, Chip and Pin
Alternative payment methodsPayment link,Over the phone
Apple PayYes
Google PayYes
ConnectivityBluetooth
Requires connection to a phone or tabletYes
Battery lifeDesigned to last all day
Warranty period24 months
takepayments
ProductsTakepayments Plus, Countertop, Portable, Mobile
Payment methodsContactless, Chip and Pin
Apple PayYes
Google PayYes
ConnectivitySIM card,Bluetooth,WiFi
Requires connection to a phone or tabletNo
Battery lifeAll day

The Square Reader vs the takepayments Mobile: product overview

The lightweight takepayments Mobile is takepayments’ equivalent to Square’s flagship Square Reader: here’s how they compare.

Square Reader

Square Reader

takepayments Mobile

takepayments Mobile

Compare rates and fees

One of the most important things to look at when you’re comparing card readers is the difference in the rates and fees each provider charges: not just the headline cost of each product, but the more ‘hidden’ fees too. For further explanations of the different charges you might come across in your research, use our handy guide.

Unfortunately, it’s hard to compare takepayments card readers against other providers when it comes to fees and rates, because takepayments doesn’t advertise its costs upfront, but offers personalised quotes instead.

ProductSquare Readertakepayments Mobile
Product NameSquare Readertakepayments Mobile
ContractNo contract12 month
Initial cost£19
Monthly cost£0
Transaction cost1.75%Subject to status
Transaction cost (card not present)2.5%N/A
Settlement 1 working day1 working day
Money-back guaranteeNoNo
Chargeback cost£0

Compare features

Since we can’t directly compare the costs of these 2 card readers, let’s have a look at how else they differ. Both accept contactless as well as chip and PIN; both have batteries that last all day so you can charge them overnight. One difference is that the takepayments Mobile has an integrated receipt printer, whereas you’ll need to hook the Square Reader up to a third party printer if you want to provide physical receipts.

For a full insight into the different features you should look out for when comparing card readers, you can use our helpful guide.

ProductSquare Readertakepayments Mobile
Product NameSquare Readertakepayments Mobile
Networksgoogle pay iconapple pay iconamerican express iconvisa iconmastercard icongoogle pay iconapple pay iconamerican express iconvisa iconmastercard icon
ConnectivityBluetoothSIM card, Bluetooth, WiFi
Payment methodsContactless, Chip and PinContactless, Chip and Pin
Alternative payment methodsPayment link, Over the phone
Requires connection to phone or tablet
Battery lifeDesigned to last all dayAll day
Printer attached
Add ons
  • Dock

  • Phone mount

  • Compatible with a range of third-party receipt printers and barcode scanners

Bottom line

We don’t love takepayments’ lack of clarity around pricing: Square are straight up about fees and charges, and we like that. However, it’s clear that takepayments’ approach is all about being tailored to your business: you’ll be quoted a bespoke price and takepayments will send a consultant out to help you choose the best card reader for you. However, we’d advise against being pressured into accepting takepayments’ quote straight away, when Square or another provider might be a better fit for you. Once you’ve got a better idea of what you’d pay for the takepayments card reader(s) you need, compare it against the Square range below to make sure you’re choosing the right card reader for your business.

Compare the Square and takepayments range

Name Product Initial cost Monthly cost Transaction cost Contract Networks Key benefits Link
takepayments Plus
Subject to status
Subject to status
Subject to status
12 month
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Go to site
View details
takepayments Countertop
Subject to status
Subject to status
Subject to status
12 months
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Go to site
View details
takepayments Mobile
Subject to status
Subject to status
Subject to status
12 month
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Go to site
View details
takepayments Virtual Terminal
Subject to status
£0
Subject to status
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Go to site
View details
Square Online Premium
Subject to status
£20
1.4%
google pay iconapple pay icon
Go to site
View details
Square Online Free
Subject to status
£0
1.4%
google pay iconapple pay icon
Go to site
View details
Square Virtual Terminal
Subject to status
£0
1.4%
american express iconvisa iconmastercard icon
Go to site
View details
Square Online Plus
Subject to status
£20
1.75%
google pay iconapple pay icon
Go to site
View details
Square Terminal
£149
£0
1.75%
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Go to site
View details
Square Reader
£19
£0
1.75%
google pay iconapple pay iconamerican express iconvisa iconmastercard icon
Go to site
View details
loading
Table: sorted by transaction cost, promoted deals first
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Moneyfacts.

More guides on Finder

Go to site