Square vs Adyen

Round by round

1. Round 1What customers say on TrustpilotSquare wins
   Square8/10

   3.7 out of 5

   TrustScore from 7,486 reviews on Trustpilot

   Source: trustpilot.com ↗

   Adyen5/10

   1.3 out of 5

   TrustScore from 445 reviews on Trustpilot

   • 1.3 out of 5, against 3.7 out of 5

   Source: trustpilot.com ↗

   Square wins this round on independent review-site data, not on its own claims.

2. Round 2The fixed fee on every saleAdyen wins
   Square5/10

   30¢ per online sale

   Square Free ($0/mo. per location)

   • 30¢ per online sale, against 13¢ processing fee

   Source: squareup.com ↗

   Adyen8/10

   13¢ processing fee

   Standard pay-per-transaction pricing, US Visa/Mastercard (Interchange++; rate shown is Adyen's markup)

   Source: adyen.com ↗

   Adyen wins this round on what the published sources say.

3. Round 3How fast your money reaches the bankSquare wins
   Square8/10

   Next business day (free)

   Square Free ($0/mo. per location)

   Source: squareup.com ↗

   Adyen5/10

   1-2 days

   Standard pay-per-transaction pricing, US Visa/Mastercard (Interchange++; rate shown is Adyen's markup)

   • 1-2 days, against Next business day (free)

   Source: adyen.com ↗

   Square wins this round on what the published sources say.

4. Round 4What it costs just to have an accountTie
   Square7/10

   $0/month (Square Free)

   Square Free ($0/mo. per location)

   Source: squareup.com ↗

   Adyen7/10

   No monthly fee

   Standard pay-per-transaction pricing, US Visa/Mastercard (Interchange++; rate shown is Adyen's markup)

   Source: adyen.com ↗

   Nothing to separate them here.

5. Round 5Charging customers on a scheduleTie
   Square7/10

   Yes (recurring invoices)

   Square Free ($0/mo. per location)

   Source: squareup.com ↗

   Adyen7/10

   Yes (tokenization)

   Standard pay-per-transaction pricing, US Visa/Mastercard (Interchange++; rate shown is Adyen's markup)

   Source: docs.adyen.com ↗

   Nothing to separate them here.

6. Round 6Card readers for selling in personTie
   Square7/10

   Yes (Square Reader, Terminal)

   Square Free ($0/mo. per location)

   Source: squareup.com ↗

   Adyen7/10

   Yes (Adyen terminals)

   Standard pay-per-transaction pricing, US Visa/Mastercard (Interchange++; rate shown is Adyen's markup)

   Source: adyen.com ↗

   Nothing to separate them here.

Side by side

Best for what it costs just to have an accountSquare

Check price

Best for the fixed fee on every saleAdyen

Check price

Overall score

6.6

6.7

Best

Price

See price

See price

What customers say on Trustpilot

7.1

5.3

The fixed fee on every sale

6.0

8.0

What it costs just to have an account

7.3

7.2

Taking bank (ACH) payments

5.0

—

What a lost chargeback costs

8.0

—

Head-to-head findings

What customers say on Trustpilot

3.7 out of 5

1.3 out of 5

The fixed fee on every sale

30¢ per online sale

13¢ processing fee

What it costs just to have an account

$0/month (Square Free)

No monthly fee

Taking bank (ACH) payments

1% ($1 min, via invoice)

—

What a lost chargeback costs

No chargeback fee

—

How fast your money reaches the bank

Next business day (free)

1-2 days

What an online card sale costs

3.3% + 30¢ (Square Free)

—

How easy it is to use

4.6 out of 5

4.4 out of 5

Record

Head-to-head record

5–2

4–3

Head-to-heads won

71 %

57 %

Rounds won

45 %

36 %

Pros

Cons

• 3.3% + 30¢ (Square Free), against 2.9% + 30¢
• 1% ($1 min, via invoice), against 0.8% ($5 cap)
• 1.95% instant transfer, against 1.5% Instant Payouts (min 50¢)
• 3.3% + 30¢ (Square Free), against 2.99% + 49¢ (card payments)

• 1.3 out of 5, against 1.6 out of 5
• 130+ countries, against 195+ countries
• 130+ countries, against 200+ markets
• 1.3 out of 5, against 3.7 out of 5

More payment processors match-ups