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Square Credit Card Processing Review (Square Payments)

Learn everything you need to know about Square's excellent payment processing features, including rates, fees, extra features, and more. Find out if this feature-rich processor is good for you.

    Matt Sherman
  • Last updated onUpdated

  • Frank Kehl
  • REVIEWED BY

    Frank Kehl

    Expert Contributor

Our content reflects the editorial opinions of our experts. While our site makes money through referral partnerships, we only partner with companies that meet our standards for quality, as outlined in our independent rating and scoring system.
Total Rating 4.8
Fees & Rates5.0

Products & Services4.7

Contract4.3

Sales & Advertising Transparency5.0

Customer Service4.9

User Reviews4.9

Get a free card swiper from Square at no cost when you create a free account. Claim your card reader.

Square At A Glance

  • Part of Square’s highly scalable products and services for businesses
  • Simple flat rate 2.6% + $0.10 for swiped, dipped, and tapped transactions
  • Affordable and accessible, especially for new merchants or very small businesses

Credit Card Processor Review Methodology

We evaluate and test each payment processor that we review at Merchant Maverick, placing special emphasis on certain key characteristics in order to generate our granular ratings for merchant accounts and credit card processors.

Weighted Rating Breakdown

Fees & Rates 35%
Contract 20%
Products & Services 15%
Sales & Advertising Transparency 15%
Customer Service 10%
User Reviews 5%

For payment processing reviews, we use a 24-point rubric to evaluate the provider. First, we look at pricing structure – interchange plus, subscription-based, tiered, or hybrid – giving the most points to providers that provide fair, transparent pricing and docking those that rely on tiered models. Then we examine rates, the presence and transparency of early termination fees, and any additional fees.

We also look at contract length and fairness and test out sales staff and customer service channels ourselves to ensure that the company uses reputable, above-the-board sales techniques. Finally, we take the company’s online reputation into account, reading customer reviews and comments.

Read more about how we rate payment processors.

Matt Sherman

Matt Sherman

Lead Staff Writer at Merchant Maverick
Matt has been helping small businesses make decisions since 2017. He has written reviews and articles across many different channels but specializes in the point of sale, payroll, and small business insurance categories and has been quoted in articles for Fox Business, Forbes, and other publications. Prior to joining Merchant Maverick, Matt was a journalist and editor for 14 years for a pair of weekly newspapers. He is a graduate of the University of Oregon and currently resides in Gladstone, Oregon.
Matt Sherman
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The Merchant Maverick Seal of Approval 🏆

Square


Visit Site

After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Square for yourself.

The Merchant Maverick Seal of Approval 🏆

Square


Visit Site

After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Square for yourself.

To learn more about how we score our reviews, see our Mobile Credit Card Processing Rating Criteria.