![]() Stripe is one of the most cost-effective merchant services with a wide range of payment processing options. Its modern and easy-to-use equipment and online checkout features make it simple for you to get set up and start selling without a lot of complicated steps. Square is designed for small businesses that are just getting started. You can usually get money within 36 hours after a transaction, but Square offers options to access funds immediately. You’ll pay no fees for refunds (chargebacks), and you’ll get your processing fee back for reversed transactions. Swipe, chip or tap transaction: 2.6% + 10 cents.Square’s processing rate varies depending on the type of transaction: With a Square account, you’ll get access to the hardware and software you need to accept in-person payments on mobile, online through Square Checkout and through integrations with services such as WooCommerce and at retail locations with sleek point-of-sale (POS) equipment you can buy upfront or lease through monthly payments. Square’s services are a fit for the broadest range of businesses, so it’s no surprise the platform has climbed to the top of the industry since first providing its services for small businesses in 2009.
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