PayPal vs Square
A side-by-side look at PayPal and Square — pricing, payment methods, integrations, features, and company facts. Add up to 4 processors to widen the comparison.
Comparing 2 of 4.
| Compare |  PayPal4.5(4) |  Square4.5(4) |
|---|---|---|
| Pricing | ||
| Online card rate | 2.99% + $0.49 | 2.9% + $0.30 |
| In-person rate | 2.29% + $0.09 | 2.6% + $0.15 |
| Keyed-in rate | 3.49% + $0.09 | 3.5% + $0.15 |
| International | +1.5% | — |
| ACH / bank | 0.8% (cap $5) | 1% ($1 min) |
| Monthly fee | $0 | $0 |
| Setup fee | — | — |
| Monthly minimum | — | — |
| Chargeback fee | $20 | $0 |
| Pricing model | Flat rate | Flat rate |
| Contract | No contract | No contract |
| Free trial | No | Yes |
| Payout time | Instant | Next day |
| Payment methods | ||
| Visa | Yes | Yes |
| Mastercard | Yes | Yes |
| Amex | Yes | Yes |
| Discover | Yes | Yes |
| PayPal | Yes | No |
| BNPL | Yes | No |
| Wallets | Yes | Yes |
| Apple Pay | No | Yes |
| Google Pay | No | Yes |
| Integrations | ||
| Hosted checkout | Yes | Yes |
| Shopify | Yes | No |
| WooCommerce | Yes | Yes |
| BigCommerce | Yes | No |
| Payment links | Yes | Yes |
| Invoicing | Yes | Yes |
| POS hardware | No | Yes |
| Wix | No | Yes |
| Virtual terminal | No | Yes |
| Features | ||
| Fraud protection | Yes | Yes |
| Chargeback protection | Yes | No |
| Reporting dashboard | Yes | Yes |
| Recurring billing | Yes | Yes |
| Tap to pay | No | Yes |
| Company | ||
| Founded | 1998 | 2009 |
| Headquarters | San Jose, CA, USA | Oakland, CA, USA |
| Company size | 1000+ staff | 1000+ staff |
| Regions | US, CA, EU, UK, Global | US, CA, UK, EU |
| PCI level | Level 1 | Level 1 |
| Currencies | 100+ currencies | Multiple (by region) |
| High-risk friendly | No | No |
| Get started | ||
| Visit / profile | ||