Like many smartphone-based credit card processors, Square offers a free credit card reader and point of sale (POS) software to anyone who signs up for its service. Merchants pay a fee of 2.75% for each swipe or online sale, and if a transaction is entered manually, the fee is 3.5% plus $0.15 for each sale. Square seems pretty upfront with its pricing structure, which definitely sets it apart. There are no additional or hidden fees, even when items are charged back to you or you’re inactive for a length of time. Square promises quicker access to funds, striving to have money in your account within one to two business days. The service also charges the same rates whether your customers are paying by MasterCard, Visa, American Express, or Discover.

CUSTOMIZABLE SOLUTIONS

To sign up for Square, you’ll only need to provide some basic information and download the free mobile app. Once the card reader arrives in the mail, simply slide it into the headphone jack of your smartphone or tablet and start accepting payments immediately.

Like other mobile card readers, Square is designed to allow you to sell items on the road. The device isn’t limited to this feature, however. If you have a storefront, you can use Square at the register or on mobile devices on the sales floor. Square even provides a stand to let you turn an iPad into a POS terminal. If your business specializes in online sales, Square can handle payments for that, as well. In fact, you can start using Square immediately, since you don’t have to wait for a card reader to sell online. Once an item is purchased, your customers will receive shipping confirmations automatically, saving you the responsibility of sending these notifications.

Best of all, Square interacts with the solutions many businesses are already using. If you’re managing expenses through Intuit QuickBooks or Xero, your Square transactions can be set to integrate, saving employees time and reducing the risk of errors.

EQUIPMENT

While Square promises compatibility with iOS and Android devices, there are known issues with particular Android models. Square posts a list of compatible and non-compatible devices on its website. If you’re interested in purchasing a stand for cashiering purposes, you’ll need an iPad 2 or 3rd-generation iPad. As of now, the iPad Air and iPad Mini are not compatible with Square’s POS stand.

CUSTOMER SERVICE

Square has an extensive support center where issues can be searched by topic or keyword. Questions can also be sent directly to customer support for those questions that can’t be answered in the support center, which is great for those unique issues specific to your business.

THE GOOD

Square is an easy-to-deploy solution that will help you accept payments wherever you are

With set swipe fees, you can accept payments as often or infrequently as you’d like

THE BAD

The reader is not compatible with all devices

AND THE UGLY

Updating your device could mean that you can no longer use Square

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