Square Payments vs Square Point of Sale: Which is best for you?

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.

They provide numerous options for businesses to choose from and cater to all kinds of credit cards ranging from those with chips and tap to pay.

Having both of my accounts shut down without valid reason caused major operational delays, unexpected expenses, and hours of wasted back-and-forth. If you rely on payment processing to keep your business running smoothly, think twice.