Advertiser Disclosure

Square VS Clover

  • 13 comments
  • Posted on:
Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

square-vs-clover-go

SquareVSClover Go

Features

Fees & Rates

Tie

Contract Length & Cancellation

Tie

Sales & Advertising Transparency

Tie

Customer Service & Technical Support 

Tie

User Reviews

Final Verdict

Review

Review

Get Started

Get Started

Square is the most powerful free mPOS out there (and it probably will be for a long time coming). But if you’re exploring all the options for mobile processing, you might come across Clover Go. It’s part of the Clover suite of products, which is owned by First Data and resold by a very large network of processing companies that operate through First Data, including Bank of America and even Sam’s Club. So if you haven’t heard of Clover at all…well, it would still be hyperbole to ask if you’ve been living under a rock, but just barely.

It’s rare these days that I get to look at Square’s merits as a mobile POS app and not much else. It’s a huge, powerful platform that has grown far beyond its original core service. So this feels a little like coming back to my roots — and Square’s, too. In this post, at least, we’re not going to explore the various other Square POS apps or dive into the invoicing feature or the virtual terminal. Instead, we’ll stick pretty neatly to the mobile POS app and what it’s capable of. That allows the most direct and truthful comparison to Clover Go.

Check out the winner: Square POS

Clover Go is actually a secondary app, an extension of the Clover POS. Because of this, it doesn’t function exactly like its parent app — you’ll see differences in the capabilities of the two. Namely, Clover Go is more limited in what it can do. As with Square, we’re not going to address the broader Clover ecosystem. Our focus will be on the mobile app.

Square might seem daunting with all its bells and whistles, while the idea of Clover Go, as a separate solution from the rest of Clover, could appeal to some merchants. If you’re just looking for a mobile processing app with an integrated processor, where do you turn?

Well, if you’re me, the answer will always be Square. For one, you don’t have to use any of Square’s extra features if you don’t want them. But if your business grows and down the line you need a more powerful solution, all those features will be right there at your fingertips. Square offers more competitive pricing than Clover does, particularly for low-volume and small-ticket merchants. The mobile app is incredibly robust on any device — and it easily outclasses the abilities of Clover Go. If you do choose Clover Go, and decide later on that you need more features and flexibility, your options are to upgrade to more expensive hardware, or find a different processor.

If you have your heart set on Clover Go as your mPOS-app-to-be, you can sign up with Clover/First Data directly. However, you can get better pricing, great customer service, and a fair and transparent contract from two of our top-rated merchant account providers, who happen to be First Data resellers: Payment Depot and Dharma Merchant Services.

The Best Clover Service Providers

headingPayment DepotNational ProcessingDharma

Payment Depot

National Processing

Dharma Merchant Services

Payment Depot merchant services review

Visit Site 

Review

Visit Site 

Review

Visit Site 

Review

Provides all Clover products

Transparent pricing with no hidden fees

Rate matching and negotiable quotes

Fair entry-level quote standard

$49/mn

0.00% + $0.15 markup

$10/mn

0.20% + $0.08 markup

$10/mn

0.20% + $0.08 markup

(Must process $10K+ per month)

Get Started 

Get Started 

Get Started 

Let’s take a look at these two mobile processing solutions in terms of rates, respective mPOS apps, hardware, and the all-important “quality of service.” Where relevant, we’ll look specifically at the terms offered by Dharma and Payment Depot, as well as Clover.com.

Check out the winner: Square POS

Features

Winner: Square

Square’s free mPOS app is called simply Point of Sale or Square POS. Feature-wise, Square POS isn’t quite at the level of a traditional POS or even a tablet-friendly cloud option such as Vend — but for mobile processing, you cannot get a greater feature set at the $0 monthly price point.

On the other hand, Clover Go offers more basic functionality and exists separately from Clover’s full-fledged POS. Many of the features you’d find in the standard Clover Station are pared down or nonexistent in Clover Go. However, the two apps do work together and sync up to provide a centralized experience.

Please keep in mind that Square offers a much larger, more comprehensive platform for businesses. (Check out our complete Square review for a more thorough look at all these offerings.) You simply can’t get that kind of functionality with Clover Go unless you use one of the other Clover products as your primary device.

Here are the features that are available in the Clover Go mobile app:

  • Customizable tax and tip
  • Full/partial refunds
  • Unlimited users
  • Email/SMS receipts
  • Integrated reporting with other Clover systems
  • Items library
  • Quick-sale mode and inventory mode
  • Customer database
  • Reporting features
  • Offline mode

If you sign up directly with Clover, you’ll have to choose between two service plans: Register Lite and Register. As you might guess from the names, Register is the more advanced of the plans. You will get more features for Clover Go on the Register plan. Be aware, however, that some of those premium features — and even some of the Register Lite features — aren’t compatible with Clover Go. To make them work, you must also be running a Clover Station, Clover Mini, or Clover Flex.

My overall impression is that Clover Go works best as an extension of the Clover POS, rather than as a standalone mobile option.

Square’s Point of Sale app offers the following features (and more):

  • Customizable tax and tip
  • Quick sale or inventory sale
  • Full/partial refunds
  • Discounts by percentage or dollar amount
  • Email/SMS receipts
  • Reporting
  • Add items in-app
  • Adjust tax settings in-app
  • Integrated inventory sync and management
  • Inventory counts
  • Inventory modifiers and add-ons
  • Variable price points
  • Offline mode

While you can run Square on multiple devices with a single log-in, you cannot get the multi-user function with individual tracking and reporting unless you have Square’s Employee Management service. That will cost you $5/user/month. To be fair, that also gives you time tracking and custom permissions, and it integrates with Square’s Payroll service.

Square offers several iPad- and Android-exclusive features, such as kitchen printer and cash drawer/barcode scanner functionality. When you’re on the go, you likely won’t need them, but they do exist. In addition, the whole Square system syncs automatically across devices. That includes the ability to suspend a ticket on one device and open it on another.

I’d also like to quickly mention that Square offers premium iPad POS apps for restaurants and retailers, with advanced features, different payment processing rates, and a monthly subscription fee, as well as an appointments POS system. They’re not the focus of this review, so check out the chart below if you are interested.

An overview of Square’s solutions:

ReadereCommerceRetailFood Service
Free App & ReaderSquare eCommerceSquare for RetailSquare for Restaurants
Get StartedGet StartedGet StartedGet Started
Free, general-purpose POS software and reader for iOS and AndroidEasy integration with popular platforms plus API for customizationSpecialized software for more complex retail storesSpecialized software for full-service restaurants
$0/month$0/month$60/month$60/month
Always FreeAlways FreeFree TrialFree Trial

Overall, Square boasts a much more comprehensive suite of features, even for smartphone users. It offers many features, for free, that are simply not available with Clover Go (but are available with other Clover device). Square is more powerful and more flexible than Clover Go, so it’s easy to say Square is the better mobile app overall.

Square vs Clover Go: Card Readers

While I don’t love all of Square’s hardware, I have no trouble admitting that Square offers a good assortment of affordable, attractive card readers. Merchants can get a free magstripe reader with headphone jack and Lightning port connections (please don’t just settle for the free reader; get a chip card reader to protect your business). In addition, Square’s chip card/contactless card reader is available for $49 and is eligible for equipment financing. In fact, any hardware purchase above $49 is eligible for Square’s financing, which is offered at a fair, reasonable rate.

In contrast, I don’t like Clover’s standard headphone jack reader at all. It’s large and clunky, and frankly, it’s really ugly. It is chip card-capable, however, and that’s a good thing. Fortunately, it appears that Clover is trying to phase this device out, and now it’s mostly resellers who offer it as an option.

I say you’re better off going with Clover Go’s all-in-one reader, which supports magstripe, chip card, and contactless payments. Unfortunately, pricing for Clover’s hardware varies considerably, depending on who you sign up with.

Generally, it’s worth paying more for a credit card reader if it means a better processing agreement (especially a month to month agreement). You’ll pay far less in the long run. However, Square offers better hardware pricing than even some of our favorite merchant accounts, and that’s no small consideration.

Check out the winner: Square POS

Fees & Rates

Winner: Square

Square offers predictable, flat-rate processing. You know exactly how much you’ll pay for every transaction and every service, with no need to worry about qualified/non-qualified transactions or interchange rates. With Clover, there’s a lot more variance. On the one hand, you could potentially get a good deal; on the other, you might be facing a lot of work and be forced to sift through a lot of providers to find the right solution.

Since Square’s pricing is simpler, let’s look at that first. Here’s what you can expect to pay when you sign up for Square and use Square Point of Sale (the free mobile app) to process payments:

  • Swiped, dipped, or tapped transactions: 2.75%
  • Keyed transactions: 3.5% + $0.15 per keyed transaction
  • No monthly minimum or fees
  • Chip-enabled card readers starting at $29

You won’t pay any monthly fees, PCI compliance fees, early termination fees, or even chargeback fees with Square. Seriously. It is that simple. Most of the software is provided at no additional charge, though Square does offer some premium products that come with additional monthly fees. For a more detailed breakdown of Square’s pricing and all its various products, check out our complete Square review.

For Clover Go, pricing will depend on what company you choose to sign up with. First Data and all of its resellers offer very different pricing and contract terms. We recommend Dharma Merchant Services and Payment Depot because they offer clear, transparent pricing and excellent customer service. However, recently, First Data has begun offering its own plans with clearly disclosed fees and consistent pricing.

Dharma Merchant Services uses an interchange-plus plan, while Payment Depot uses a subscription-based plan. First Data’s monthly service offers flat-rate pricing. Let’s take a quick look at what these three plans offer:

Dharma Merchant ServicesPayment DepotClover.com

Interchange-plus plan

Subscription plan

Flat-rate pricing

Interchange + 0.25% + $0.10

Interchange + $0.15

2.7% + $0.10

$10 monthly fee

$49 monthly fee

$14 monthly fee

$10 monthly fee for Clover Go

$25,000 monthly processing limit

No monthly volume limits

$139 for all-in-one Bluetooth reader

Cardreader pricing not disclosed

$49 for all-in-one Bluetooth reader

These plans are all very different, so you need to make sure you’re getting the right one for your business. In general, Payment Depot and Dharma are best suited to merchants processing at least $10,000/month in credit cards. Keep in mind that both companies also offer a suite of services in addition to access to Clover Go. They also yield greater cost savings for merchants with an average transaction size of $50 or more.

Also, I do want to mention that for higher-volume businesses, Payment Depot offers higher-tiered plans with lower markups, as well as a free mobile card reader.

First Data’s subscription plan looks competitive on the surface, but consider that the $0.10 per transaction fee is going to cost a lot more for businesses with a small ticket size (under $15), and you have no cost savings in the form of interchange markup (the average interchange for most merchants is somewhere around 1.54% + $0.12). Plus there’s the software subscription fee, starting at $14/month.

I honestly feel that Square offers the best value here for most merchants. For low-volume businesses or those that only process sporadically, Square is absolutely the best choice, because you’ll pay less for payment processing and get a boatload of software as well.

The interchange-plus and subscription plans offered by Dharma and Payment Depot are really meant for businesses handling more than $10,000 per month. If your business is primarily or exclusively mobile, Clover Go could be a really good choice, even with the software limitations, and the biggest advantage to going with Dharma or Payment Depot is the stability that comes with having your own merchant account.

This might sound dramatic, but I can’t in good conscience recommend that you sign up with Clover directly to use Clover Go. You’ll pay more than you would with Square, Dharma, or Payment Depot, and First Data has a history of problematic practices such as non-cancellable equipment leases and multi-year contracts with early termination fees. If you decide to upgrade from just Clover Go to more products through Clover/First Data directly, you’re going to have to navigate around some major pitfalls, and I think that’s silly when you can get better options and better service from more reliable providers.

Check out the winner: Square POS

Contract Length & Cancellation

Winner: Tie

Square has built its reputation on a pay-as-you-go plan with no monthly fees and no contracts. You can stop using Square whenever you want with no penalty. If you are paying for any monthly subscriptions, when you cancel you retain access until the end of your monthly billing cycle. When the new cycle takes over, the subscription ends. You can even manage this from within the dashboard. It’s all very simple and painless.

With Clover Go, any contract terms will vary. Dharma offers month-to-month agreements with no early termination fee. However, the company does charge a small fee for account closure. Payment Depot also operates on a month to month basis. The cancellation process doesn’t involve any fees, but the actual cancellation won’t take place until the end of the monthly billing cycle so that Payment Depot can collect its fees.

If you opt to sign up directly with Clover, it’s not immediately clear if you’ll pay any cancellation fees. The stated contract on the Clover.com website includes the following clause:

11.1 These Terms commence on the date on which you first use the Service and continue for the subscription term you select. The subscription term will automatically renew upon expiration of the initial term and shall be equal in duration as the initial term, unless either party gives notice of cancellation prior to the expiration of the initial or any renewal term. The fee charged during any renewal term will be equal to the fee in effect during the immediately preceding subscription term, unless Clover provides advance notice of a fee change, which fee change will be effective upon the renewal term.

From that, it appears that Clover does possibly offer multi-year, renewing contracts. You’ll have to provide advance notice (typically within 60 to 90 days) or the agreement will auto-renew for the same period. Don’t sign a yearly contract if you can get a month-to-month agreement. It’s certainly not necessary in the payments industry anymore.

I’m only calling a tie as far as contracts because Dharma and Payment Depot match Square for month-to-month agreements and a simple cancellation process. Clover lags behind them in terms of transparency, which is a problem. And that brings me to the next point…

Sales & Advertising Transparency

Winner: Square

If I were a grade school teacher, I would give Square an A+ for its transparency. Square’s website includes its contract terms, pricing information, and details about how to upgrade or change plans. It has really set the bar for disclosures and truthful advertising. You won’t deal with pushy sales reps or misleading statements.

Clover….well, let’s just say that Clover would get a note to see me after class. Going directly to Clover or First Data could be problematic, and I recommend you not do it if you have any other options. Y’know, options such as Dharma Merchant Services, or Payment Depot. Both companies, unlike First Data, have an established history of being truthful, making clear pricing disclosures, and not pressuring merchants with dodgy sales tactics.

Customer Service & Technical Support

Winner: Tie

Square has invested a lot of effort into its customer support over the past couple of years, and you now have quite a few options to get hold of the company if you need assistance:

  • Phone support (Available M-F, 6 AM-6 PM Pacific time)
  • Email support
  • Social Media Support (Twitter handle: @SqSupport)
  • Seller Community
  • Self-Help Knowledgebase

The biggest point of contention with Square is that phone support requires merchants to get a customer code before they can call in, and if they are having login troubles, that’s not an option. The second is that phone support doesn’t extend to weekend hours. Email support is available at all hours, though you may not get an immediate response. Likewise, Square’s support-focused Twitter account doesn’t post its hours, but you shouldn’t expect 24/7 availability there.

However, I honestly feel that Square’s best resources are its self-help knowledgebase (available 24/7) and the Seller Community, its community forum. Square’s knowledgebase is the gold standard for tutorials, FAQs, and other questions merchants may have about their account, features, and pricing because it is amazingly thorough.

In the off chance that you can’t find your answer in the knowledge base, the Seller Community is full of questions and advice from other Square merchants, including workarounds for features Square hasn’t implemented yet. Square’s employees serve as moderators for the forum and you’ll also find members of the product support and development teams lurking around and gathering information for new and highly requested features. I’ve found the forum to be incredibly helpful, and it’s also very active — more than any other similar forum I’ve come across.

With Clover Go’s technical support, no matter which processing company you sign up, you will be routed to First Data for assistance. (Account-specific issues will still go through your processor, however.) When a company is as large as First Data, it naturally has the resources to operate round-the-clock customer support, which you’ll see advertised on the Clover site. Dig a little deeper and you’ll see that Clover’s support options include the following:

  • Call/Request a call from Clover
  • Email Clover
  • Self-service knowledgebase

You’ll notice there’s no social media support and no user forum. Now, Clover isn’t really the sort of company to implement a forum anyway, so that’s not surprising. And it’s nice that phone support is available 24/7/365. However, it’s the quality that matters, and we’ll get to that in the next section.

While their forms of customer service are varied, both Square and Clover offer thorough resources for merchants. I’m content to call them evenly matched.

User Reviews

Winner: Square

Reading user reviews is always an interesting experience for me because of how much reading between the lines is required. I recommend checking out our article on negativity bias to understand how we factor user feedback into our reviews and ratings.

Finding reviews specific to Clover Go is a bit of a challenge because many of the user reviews focus on the platform broadly. Even sites that aggregate user reviews don’t have many dedicated pages to Clover Go. That means that, as usual, the best sources of information are the user reviews in Google Play and iTunes app stores.

Overall, the user reviews for Clover Go are positive. At the time of writing this, Clover Go has about 2,470 ratings in the Apple Store, and an excellent 4.7-star rating out of 5. It appears that Clover Go is less popular on Android devices because the app has a measly 350 or so reviews in Google Play and a 3.5-star rating out of 5. I’m not surprised that Clover Go seems to favor Apple; most payment platforms do.

The positive customer reviews for Clover Go are pretty generic. Overall, users are content that the app handles their basic processing needs. A few call it out as being easy to use. The negative reviews fall into a few specific categories, as well: complaints about unhelpful and unprofessional customer service, complaints about glitches, or complaints about funding problems. Several comments specifically say that Square offers a better, more intuitive design. I’m not sure what’s going on with Clover’s customer service because its parent company, First Data, generally does well in that regard (a rarity among large companies, if I’m honest) and I haven’t seen any sort of clear, definitive information about funding holds. What’s more, not all reviews make it clear who the merchant signed with for processing, making it difficult to draw meaningful conclusions. However, you shouldn’t have trouble with Payment Depot or Dharma. (They have 5-star reviews for a reason!)

Square has a 4.6-star rating on Google Play, accumulated on a massive 96,500+ reviews. Clearly, Android users like Square. Despite the near-ubiquity of the Square Stand for iPads, it seems that Square does less well in the iOS space, with a 3.6-star rating on just over 1,700 reviews in the iTunes App Store.

Overall, the comments about Square are quite positive. Merchants like the pricing, the simple, easy-to-use app, and the centralized control Square offers. However, there is one big, common complaint about Square: holds and account terminations. Square is a third-party processor, so there’s a certain amount of account instability and risk that merchants must contend with. Understand what constitutes a suspicious transaction and minimize your risk with our article, How to Avoid Merchant Account Holds, Freezes, and Terminations. Complaints about customer service are also common, but most stem from merchants who are locked out of Square’s support system following an account termination. It’s an unpleasant situation and I wish Square had a better solution. However, the majority of Square’s users generally think the customer service is pretty good!

Check out the winner: Square POS

Final Verdict

Winner: Square

Usually, when I’m comparing two similar services, my recommendations come with multiple caveats. That’s not quite the case here. Instead, I have a very solid recommendation with one big caveat.

Square is a more powerful mPOS app than Clover Go. As a full POS platform, Square is still a match for Clover in every regard. You’ll get better compatibility across multiple devices with Square than you would using Clover Station or Clover Mobile with Clover Go as an extension.

Check out the winner: Square POS

However, Square is a third-party payment processor and that does come with some risks. Clover Go could be an acceptable alternative if you want a mid-range mobile app without sacrificing account stability, always provided you sign up with the right payment processor. Going through Clover directly will not get you the best pricing or the best transparency, and most of the multitude of First Data resellers offer no real value or improvements over going through Clover directly.

Instead, we recommend signing up with Dharma Merchant Services or Payment Depot, both of which will offer month-to-month agreements and more affordable pricing. For low-volume and small-transaction merchants, the pricing won’t be quite as competitive as Square’s, but you will get more account stability.

The Best Clover Service Providers

headingPayment DepotNational ProcessingDharma

Payment Depot

National Processing

Dharma Merchant Services

Payment Depot merchant services review

Visit Site 

Review

Visit Site 

Review

Visit Site 

Review

Provides all Clover products

Transparent pricing with no hidden fees

Rate matching and negotiable quotes

Fair entry-level quote standard

$49/mn

0.00% + $0.15 markup

$10/mn

0.20% + $0.08 markup

$10/mn

0.20% + $0.08 markup

(Must process $10K+ per month)

Get Started 

Get Started 

Get Started 

Thanks for reading! If you have questions or you’ve already made the decision between Clover Go and Square, we’d love to hear from you. Check out our comment guidelines and then leave us your thoughts! Or, if you’re still looking for more information, check out our article on the best alternatives to Clover POS. Wondering if there are other good mPOS options out there? Look no further than our mobile payments comparison chart.

Melissa Johnson

Melissa Johnson

Melissa Johnson has been writing about payment processing and mobile payments since 2014, and has been quoted in articles for Credit Karma and The Next Web, among others. She graduated from The University of Kansas in 2010 with bachelor's degrees in English and journalism.
Leave a comment

13 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    kash

    Thank you for the analysis.
    Hey, I would like to have someone like you who can be good at social media, digital marketing and writing blogs. we are in southern CA and we need someone like you for our CBD specialty store.
    Thank you

      fran

      Thank you for your points of view. This helped me out a lot!

        Michael

        Great little article but I have one question I have two different businesses can I use the same Square reader for both going into different accounts?

          Jessica Dinsmore

          Hi Michael,

          According to Square’s help forum, “If you have multiple businesses or need individual separate accounts, you have the ability to create multiple accounts and use the same mobile device, reader, and bank account.” I hope that helps answer your question!

            Ruben Morales

            It shouldn’t even be one star, For your well being kick the company out before you even consider the program, the sales person told me the fees are free and cheaper than square but they were more, The figures were around 3.2% and square was 2.9%, then I was told if I dont use it the program will not cost me anything then, when I wanted to cancel using their services I was charged 500 dollars, the worst company I have ever used and because of them I kick every sales person that comes n the shop because I believe that every sales parson is a crook, dont use them you’ll regret it, I went back to using Square and they have never charged me and they’re cheaper by a little but still cheaper

              kristina baker

              I see that you compare Square POS with the non POS of Clover. How does the full service Clover stand up against the Square equivalent?

                Melissa Johnson

                Hi there!

                Square vs Clover on the whole is kind of a complicated matter because they’re both so complex. But I’ll try to sum things up succinctly. I’m more inclined to favor Square over Clover, but I admit Square isn’t for everyone.

                Clover relies really heavily on leasing and its equipment can be VERY pricey. Leases are rarely a good deal for anyone, and you could easily wind up paying 3x the MSRP on a piece of leased equipment. So you are much better off buying equipment outright. Plus, you can also get a comparable Square setup for less than the cost of a Clover device at MSRP.

                I also think overall most of Clover’s equipment is bulky and dated compared to the simplicity of Square. That said, the merchants I’ve talked to don’t seem to /mind/ the equipment. There are still better, more sophisticated solutions (like Square).

                The other issue is that Clover relies on a network of resellers. You can get it directly through Clover Connect, but if you go anywhere else, you’re going to see wildly different pricing on processing as well as the hardware. For that reason, it’s hard to compare pricing in a meaningful way.

                I don’t personally have experience using the full Clover POS so I can’t comment on the quality of it. I wasn’t super impressed by the Go app, but it’s not the same experience as a full POS. I recommend checking out our Clover Station, Clover Mini, and Clover Mobile reviews for more information.
                https://www.merchantmaverick.com/reviews/clover-mini-review/
                https://www.merchantmaverick.com/reviews/clover-mobile-review/
                https://www.merchantmaverick.com/reviews/clover-station-pos-review/

                I will, however, say that I find Square to be very easy to understand and very intuitive. It’s quite feature-rich and the company is ALWAYS adding something new. It won’t give you the most advanced features (store credit, for example), but it can do a lot more than you’d expect from something that started as a mobile app.

                And finally — Square is a third-party processor. That means there’s a certain degree of inherent risk that your account could be terminated with no warning. This is common to any sort of third-party processor. Clover, on the other hand, gives you a merchant account. So you get higher stability — though possibly at the cost of a three-year contract with an expensive ETF. Square has no monthly fees, no monthly minimums, no other hidden costs. It is really straightforward, which stands in major contrast to Clover, which….doesn’t have that reputation for transparency or consistency.

                I hope that helps!

                  Anthony M Slatton

                  It’s not complicated at all. If you don’t do at least $3250 a month in sales, you should not even look at Clover as they’re minimum monthly fee is $49.95 which covers mandatory service, security and support as their Sales Rep explained to me. $3250 is without CC fees and assumed at the 1.5% minimum fee the Sales Rep quoted. He didn’t say how much you have to do in sales to get the 1.5% CC fee, but assuming you have the volume to produce a minimum of $3250 every month to start, you at least cover the $49.95 monthly fee. Always be cautious when prices/fees are not posted, most often it means the sales personnel believe they can justify the cost, but if you read between the lines, you’ll see the lies.

                    Zan

                    Great article! I’m simply trying to charge for my Digital Marketing and Social Media services and I need no inventory. Sometimes I charge by hour and others by project. All I need is my client to pay via credit card either on my website or via form. The recurring payments would also be a great option in my case but if I can’t or it’s too expensive I can forget about that. I’m going to read your article again as it is very rich in details but I’d like to hear your opinion! Have a great day 😉

                      Patty

                      Melissa I think you are great and so helpful. I would love to speak with you as I have additional questions as a new business owner. Is it possible to email or call you?
                      Patty

                        Chloe Bahal

                        Hi Patty,

                        Please feel free to contact us here and we will be happy to answer any questions you have.

                          Morten

                          Hi, I don’t understand what “…greater account stability than you would with Square otherwise..”. What is meant by account stability?
                          Thanks,

                            Chloe Bahal

                            Hi Morten,

                            That’s a great question. Basically, Square is a Merchant Aggregator, which means that it’s very simple to open an account with them, but, with that being said, they are also quick to shut down or place a hold on the account. With a traditional merchant account, there is a more intense process, but that also means they won’t be so quick to close or hold your account, should something happen (a chargeback, etc). You might find this article helpful as well. I hope this helps and if you have further questions please let us know.

                            Leave a Reply

                            Your email address will not be published. Required fields are marked *

                            Your Review

                            Comment moderation is enabled. Your comment may take some time to appear.
                            Please read the "User Review and Comment Policy" before posting.

                            Share