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Square vs Stripe

Square logo

Square

Software

Powering the economy

From
Free
Rated
-
Full reviewWebsite
S

Stripe

Software

Financial infrastructure for the internet

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Square plus plan pricing not specified in documentation; Stripe requires developer setup and API integration for most use cases
  • They diverge on capability: Square covers Point of sale, Stripe covers Subscription billing.

Where they differ

Only the attributes on which Square and Stripe actually diverge.

Attributes where Square and Stripe differ
AttributeSquareStripe
Pricing modelfreemiumUnknown
PlatformsPOS (Mobile app), WebWeb, iOS, Android
Founded20092010

Identical on both: starting price (Free), free tier (Yes), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Square

  • Point of sale
  • Payroll
  • Banking
  • Wix
  • PCI DSS
  • EMV compliant
  • Web support
  • Ios support

Only in Stripe

  • Subscription billing
  • Terminal (in-person payments)
  • Fraud prevention
  • 3D Secure
  • Global payouts
  • Financial reporting
  • Shopify
  • Salesforce

Both cover

  • Payment processing
  • Invoicing
  • QuickBooks
  • WooCommerce

What people use each for

The jobs each tool is most often brought in to do.

Square

  • Accept payments with all-in-one POS applicationnot Stripe
  • Online ordering and basic website creationnot Stripe
  • Invoicing and appointment bookingnot Stripe
  • Staff scheduling and loyalty programmesnot Stripe

Stripe

  • Online paymentsnot Square
  • Subscription managementnot Square
  • Marketplace paymentsnot Square
  • Global expansionnot Square
  • Platform monetizationnot Square

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Square

  • Plus plan pricing not specified in documentation
  • Processing fees differ by tier but exact rates not detailed
  • Free plan pricing mentioned but specific features for Plus unclear
  • Text marketing charged at 3¢ per message after first 500 included

Stripe

  • Requires developer setup and API integration for most use cases
  • Dispute fee of $15 per chargeback is standard industry cost
  • Limited offline payment capabilities

Pricing, plan by plan

Square

Free

No published plan breakdown. See the Square review.

Stripe

Free

No published plan breakdown. See the Stripe review.

Which should you pick?

Choose Square if

  • You need point of sale.
  • You want to start without paying.
  • You work on POS (Mobile app), Web.
  • You also want payroll.
Square review

Choose Stripe if

  • You need subscription billing.
  • You want to start without paying.
  • You work on Web, iOS, Android.
  • You also want terminal (in-person payments).
Stripe review

Questions people ask

Is Square or Stripe better?
Neither clearly leads. Square starts at Free and Stripe at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Square or Stripe?
Square starts at Free and Stripe at Free.
Does Square or Stripe run on more platforms?
Square runs on POS (Mobile app), Web. Stripe runs on Web, iOS, Android.
Can I use Square for free?
Both have a free tier, so you can try either at no cost before committing.
What is Square best used for?
Square is most often used for accept payments with all-in-one pos application, online ordering and basic website creation, invoicing and appointment booking, staff scheduling and loyalty programmes. Of those, accept payments with all-in-one pos application and online ordering and basic website creation are not what Stripe is typically brought in for.
What can Square do that Stripe cannot?
Square covers Point of sale, Payroll, Banking, Wix. Stripe covers Subscription billing, Terminal (in-person payments), Fraud prevention, 3D Secure. Both handle Payment processing, Invoicing, QuickBooks, WooCommerce.

Answered from the vendors’ own pages

Stripe: What are Stripe's transaction fees?

Standard US rates are 2.9% plus 30 cents for online card payments, 2.7% plus 5 cents for in-person, 3.4% plus 30 cents for keyed/phone transactions, and 0.8% capped at $5 for ACH payments.

Source
Stripe: How many currencies and countries does it support?

Stripe accepts 135+ currencies and supports payment acceptance in 40+ countries through Stripe Connect, enabling sellers to onboard and receive payouts in minutes.

Source
Stripe: What payment methods are supported?

Stripe supports dozens of payment methods including credit/debit cards, ACH transfers, and local payment options, with additional support through partnerships with Meta and Google.

Source
Stripe: Are there monthly fees or contracts?

No. Stripe charges no monthly fees or contracts, only per-transaction fees and dispute fees, making costs fully transparent and variable.

Source
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Related pages

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