Square vs PayPal Enterprise Payments

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 ↗

   PayPal Enterprise Payments5/10

   1.5 out of 5

   TrustScore from 282 reviews on Trustpilot

   • 1.5 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 2What an online card sale costsPayPal Enterprise Payments wins
   Square5/10

   3.3% + 30¢ (Square Free)

   Square Free ($0/mo. per location)

   • 3.3% + 30¢ (Square Free), against 2.89% + 29¢

   Source: squareup.com ↗

   PayPal Enterprise Payments8/10

   2.89% + 29¢

   PayPal Braintree (now PayPal Enterprise Payments), standard merchant rate (US)

   Source: paypal.com ↗

   PayPal Enterprise Payments wins this round on what the published sources say.

3. Round 3The fixed fee on every salePayPal Enterprise Payments wins
   Square5/10

   30¢ per online sale

   Square Free ($0/mo. per location)

   • 30¢ per online sale, against 29¢ per sale

   Source: squareup.com ↗

   PayPal Enterprise Payments8/10

   29¢ per sale

   PayPal Braintree (now PayPal Enterprise Payments), standard merchant rate (US)

   Source: paypal.com ↗

   PayPal Enterprise Payments wins this round on what the published sources say.

4. Round 4What a lost chargeback costsSquare wins
   Square8/10

   No chargeback fee

   Square Free ($0/mo. per location)

   Source: squareup.com ↗

   PayPal Enterprise Payments5/10

   $15 chargeback fee

   PayPal Braintree (now PayPal Enterprise Payments), standard merchant rate (US)

   • $15 chargeback fee, against No chargeback fee

   Source: paypal.com ↗

   Square wins this round on what the published sources say.

5. Round 5The extra charge on foreign cardsPayPal Enterprise Payments wins
   Square5/10

   +1.5% international cards

   Square Free ($0/mo. per location)

   • +1.5% international cards, against +1% non-US cards

   Source: squareup.com ↗

   PayPal Enterprise Payments8/10

   +1% non-US cards

   PayPal Braintree (now PayPal Enterprise Payments), standard merchant rate (US)

   Source: paypal.com ↗

   PayPal Enterprise Payments wins this round on what the published sources say.

6. Round 6Taking bank (ACH) paymentsPayPal Enterprise Payments wins
   Square5/10

   1% ($1 min, via invoice)

   Square Free ($0/mo. per location)

   • 1% ($1 min, via invoice), against 0.75% (capped at $5)

   Source: squareup.com ↗

   PayPal Enterprise Payments8/10

   0.75% (capped at $5)

   PayPal Braintree (now PayPal Enterprise Payments), standard merchant rate (US)

   Source: paypal.com ↗

   PayPal Enterprise Payments wins this round on what the published sources say.

Side by side

Best for what it costs just to have an accountSquare

Check price

PayPal Enterprise Payments

Check price

Overall score

6.6

6.8

Best

Price

See price

See price

What customers say on Trustpilot

7.1

6.0

The fixed fee on every sale

6.0

7.0

What it costs just to have an account

7.3

—

Taking bank (ACH) payments

5.0

7.8

What a lost chargeback costs

8.0

6.0

Head-to-head findings

What customers say on Trustpilot

3.7 out of 5

1.5 out of 5

The fixed fee on every sale

30¢ per online sale

29 cents

What it costs just to have an account

$0/month (Square Free)

—

Taking bank (ACH) payments

1% ($1 min, via invoice)

0.75% (capped at $5)

What a lost chargeback costs

No chargeback fee

$15

How fast your money reaches the bank

Next business day (free)

—

What an online card sale costs

3.3% + 30¢ (Square Free)

2.89%

How easy it is to use

4.6 out of 5

4.1 out of 5

Record

Head-to-head record

5–2

4–2–1

Head-to-heads won

71 %

67 %

Rounds won

45 %

44 %

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)

• 130+ currencies, against 135+ currencies
• 30+ payment methods, against 100+ payment methods
• 4.1 out of 5, against 4.6 out of 5
• 1.5 out of 5, against 3.7 out of 5

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