Square vs Stripe
Square and Stripe are both payments & billing tools. Square is aimed at small businesses, while Stripe is aimed at developers and small businesses. Only Square has a free plan.
| Pricing | Freemium · $49 | Paid |
| Starting price | $49/mo | Not published |
| Free plan | Yes | No |
| Free trial | — | — |
| Built for | Small businesses | Developers, Small businesses, Enterprise |
| Platforms | web, ios, android | web |
| Country | US · 2009 | US · 2010 |
| Rating | — | — |
Choose Square if
Small brick-and-mortar businesses in supported countries.
- Free POS software
- Simple flat-rate pricing
- All-in-one for small businesses
Look elsewhere if: Online-only SaaS (Stripe).
Choose Stripe if
Developers and companies in supported countries who want full control over payments and billing.
- Best-in-class API and documentation
- Covers payments, billing, tax, fraud and marketplaces
- Reliable at scale with strong uptime
Look elsewhere if: Founders in unsupported countries or small sellers who prefer a merchant of record to avoid tax administration.
Square vs Stripe pricing
Square
- Square Free$0In-person 2.6% + 15¢, online 3.3% + 30¢
- Square Plus$49/location/moIn-person 2.5% + 15¢, online 2.9% + 30¢
- Square Premium$149/location/moLowest fees: in-person 2.4% + 15¢, online 2.9% + 30¢
- Square ProCustomFor businesses processing over $250K/year
Stripe
- Payments (standard)2.9% + 30¢/per card transactionUS domestic cards; +1.5% international, +1% currency conversion
- Billing0.7%/of billing volumePay-as-you-go; excludes one-off invoices
- Tax0.5%/per transactionTax Basic no-code; $0.50/txn via API; Tax Complete from $90/mo
- Custom pricingCustomLarge payment volume or unique business models
Square · Key features
- POS software and hardware
- Online store and invoices
- Appointments and loyalty
- Payroll and team management
- Banking and loans
- Restaurant and retail features
Cons
- Limited country availability
- Fees higher than interchange-plus at scale
- Account holds possible
Stripe · Key features
- Checkout, Payment Links and Elements for custom forms
- Billing: subscriptions, usage-based pricing, invoicing, dunning
- Connect for marketplaces and platforms with payouts
- Radar fraud prevention and 3DS
- Tax calculation and Terminal for in-person
- Webhooks, test mode, Sigma analytics and extensive SDKs
Cons
- Not available to sellers in all countries
- You own tax compliance unless you add Stripe Tax and filings
- Fees add up: Billing, Tax, Radar are each priced
Square vs Stripe: FAQ
Do Square and Stripe have a free plan?
Square has a free plan. Stripe has no free plan.