• Overview
  • Pricing
  • Features
  • Seamlessness
  • Customer Care
Top  >  Best Mobile Payment Systems 2020  >  Square
Square is a merchant services aggregator and mobile payment company that aims to simplify commerce through technology.

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Square is a well known mobile payments provider that allows business owners of any size the ability to accept payments in multiple ways. The hardware offerings are pretty standard in comparison to their competitors, but they do have a bit of an advantage when it comes to their website integration and app offerings.

Pros Cons
Personal API available to cater Square software to your site or business. Inconsistent customer support.
Large amount of features. Lack of immediate access to funds.
Trusted name with security for payments.
Inexpensive and easy to operate, even for beginners.

As one of the larger players in the mobile payments space, Square does its part to maintain a unique foothold in their industry by providing distinct information (including concrete numbers and percentages) in addition to a highly touted self service customer experience.

Next: Pricing >


Square’s pricing is as straightforward as it gets. Whereas other similar offerings have varying, fluctuating fees and rates, Square lets you know exactly what you’ll be paying for each aspect of their mobile payment structure. This can help you to avoid the confusing rate structures of other services while also keeping what you actually pay for as cheap as possible. While it might not be the cheapest option available, it is one of the more favorable options available.

Basic Rates and Fees
Headphone Jack Reader $0.00
Keyed-In, Card on File and Virtual Terminal Transactions 3.5% + $0.15
Swiped Transactions 2.75%
eCommerce Transactions/Invoices 2.9% + $0.30
Monthly Fee $0.00
Other Fees None
Add On Features
Email Marketing $15+ per month (depending on the package)
Dock for EMV/NFC Reader $29
EMV/NFC Bluetooth-powered Card Reader $49 (Also a $1.00/week payment plan raising final cost to $60
EMV-Only Headphone Jack Card Reader $29
Square Stand w/ Chip Reader & Contactless $169
Gift Cards Starts at $2.00 per card (decreases as you purchase more)
Square Appointments $30 per month
Employee Management $5.00 per month
Square Payroll $20 per month
Next: Features >


Square features some pretty standard features and additions in regards to their competitors. Their fees and transaction costs are all very transparent and made accessible to anyone looking to utilize Square for their POS transactions.

Once you start to using the Square software you’ll find that the mobile point of sale interface is familiar and easy to use. Most of the features available are easily manipulated and altered to fit your needs. You can create categories, discounts, products, modifiers and tax brackets. Square makes sure to tell you which devices might have issues with the software with a list on their website.

One of the issues that many merchants run into with Square’s offering. The site informs you of a transaction limit of $50,000. It pays to note that many people have complained about experiencing problems with transactions totaling less than $3,000. Sometimes these infractions can result in account suspension or even termination.

However, Square takes the precaution to settle most issues they discover. This is made apparent by the bountiful amount of information present on their site. Much like other companies, there are multiple ways to get in contact with the answer to whatever question you may have. There are also other sites and pages that you can use to garner answers from the community.

Next: Seamlessness >


You have the ability to learn a lot about Square and their offerings before you commit to using the service. This is a welcome change to the natural way most sites leave out general amounts of information, especially when you haven’t committed to the service yet. This can help to give you a better idea of what to expect if and when you decide to use Square.

There is a long list of integrations that you can take advantage of if you use third party add ons for your business.

Zoho Books
Commerce Sync
Kashoo Accounting
QuickBooks Online
Stitch Labs
Intrakr Inventory
DEAR Inventory
Restaurant Management
Fresh KDS
Employee Management
When I Work
Next: Customer Care >


As is becoming a normal process with many modern companies, Square can be contacted in multiple methods online. You can send Square a tweet on their Twitter account, you can message them on their Facebook page, or you can send a traditional email. However, they do utilize the old school method of delivering over-the-phone help during a twelve hour window each weekday. Interestingly enough, there is even a website dedicated to let you know if the Square services are up and running properly.

Square has experienced a large amount of negativity surrounding their customer service practices. Many people don’t like the customer service hours of operation. Others didn’t like the fact that (before 2013) there was no phone service to be had. Once it got started, it was a struggle to keep maintained.

Another big issue with the phone service is its inability to cater to people who have had their accounts deactivated for whatever reason. In some instances, this eliminates their only method of contact whatsoever with Square.

The main upside to Square’s support system is their self serve knowledge database. Should you feel the need to solve whatever problem you’re facing and you don’t want to take your chances with Square’s customer service, you can find a decent amount of advice online. While the other aspects of customer assistance might be lackluster, Square’s exceptional knowledge base more than makes up for it in most instances.

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