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Josh P.
Advisor, 7 years

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Updated February 9, 2026
Klarna vs Square Payments: Which is best for you?
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55+ software advisors
1 million+ businesses helped
2 million+ verified software reviews
Starting Price
Pricing available upon request
Pricing available upon request
Free Trial
Free Version
Screenshots
and Demo
and Demo
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Top Rated
Features
Features
Multiple Payment Options
4.42
Online Payments
4.19
Reporting/Analytics
4.12
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Transaction History
4.92
Receipt Management
4.88
Credit Card Processing
4.79
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Integrations
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See All
Pros / Cons
- I liked that it stored my shopping cards in one spot easily accessible and could open it quickly and efficiently in the store to earn my points
- It turns out that the reason was that it could not charge me $200 in October for some reason, which it did not inform me about in any way. And now they have charged me double the amount in December when most expenses are on holidays and you must count every dollar. Why didn't you charge me double the amount in November? Why did you specifically wait to charge me double the amount in December?
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- Overall, Square Payments is a very good payment-processing solution for small-to-mid sized businesses, startups, side hustles, or anyone who values ease of setup and flexibility over deep customization or maximum cost efficiency.
- The flat percentage-per-transaction model can be more expensive than custom merchant-account rates if you do a lot of sales, or have large-ticket items — so for high-volume businesses, fees may become significant.
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Ease-of-Use
3.9/ 5
Highest performing feature
in the comparison
4.7/ 5in the comparison
Value for Money
3.4/ 5
Highest performing feature
in the comparison
4.5/ 5in the comparison
Customer Support
3.3/ 5
Highest performing feature
in the comparison
4.4/ 5in the comparison
Functionality
3.8/ 5
Highest performing feature
in the comparison
4.6/ 5in the comparison
Support Options
Email/Help Desk
FAQs/Forum
Knowledge Base
Phone Support
24/7 (Live Rep)
Chat
Email/Help Desk
FAQs/Forum
Knowledge Base
Phone Support
24/7 (Live Rep)
Chat
Training Options
In Person
Live Online
Webinars
Documentation
Videos
In Person
Live Online
Webinars
Documentation
Videos
FrontRunners
FrontRunners 2023
FrontRunners 2026
Advisor
Recommendations
Recommendations
N/A
N/A
Ideal Customer Size
Small
Medium
Large
Small
Medium
Large
Deployment Options
Cloud, SaaS, Web-Based
Desktop - Mac
Desktop - Windows
Desktop - Linux
Desktop - Chromebook
On-Premise - Windows
On-Premise - Linux
Mobile - Android
Mobile - iPhone
Mobile - iPad
Cloud, SaaS, Web-Based
Desktop - Mac
Desktop - Windows
Desktop - Linux
Desktop - Chromebook
On-Premise - Windows
On-Premise - Linux
Mobile - Android
Mobile - iPhone
Mobile - iPad