Our Top Picks

Clover Logo
Clover
  • Accepts in-person payments
  • Accepts e-commerce payments
  • Accepts gift cards
Clover is a credit card processing solution that customizes its point-of-sale systems to meet the needs of each business. Clover supports online ordering and contactless orders and payments. This payment processing solution can be used in a home office, counterside, or curbside for greater mobility and flexibility. Clover also supports custom gift cards, which can include a company’s logo. Users can access powerful reporting tools and real-time customer and sales data. Clover includes the following capabilities:

  • Integrations
  • Reports
  • In-person payments
  • E-commerce payments
  • Billing/invoicing
  • Fraud/risk management
  • Gift cards
  • Employee/payroll management
  • Business financing

Pros & Cons

Pros

  • Offers multiple customer support options
  • Offers business financing

Cons

  • Pricing is not available publicly

Summary

  • Processing Fees
    Custom Quote
  • Customer Support Options
    24/7 (Live Rep)
    Business Hours
    Online
  • Billing/Invoicing
    Yes
  • Business Financing
    Yes
Features
  • Accepts in-person payments
  • Accepts e-commerce payments
  • Accepts gift cards
QuickBooks Logo
Intuit QuickBooks GoPayment
  • Accepts in-person payments
  • Accepts e-commerce payments
  • Accepts gift cards
Intuit QuickBooks GoPayment is another Square competitor. This company offers a mobile credit card reader, which makes it easier for users to process payments at any time, no matter where they are. Credit cards can be swiped, dipped, or tapped. Credit card details can also be entered into the GoPayment app for contactless payments. Since this is an Intuit product, payment and sale details instantly sync to QuickBooks. Customer support is available by phone during business hours. These are the features included in Intuit QuickBooks GoPayment:

  • Integrations
  • Reports
  • In-person payments
  • E-commerce payments
  • Billing/invoicing
  • Fraud/risk management
  • Gift cards
  • Employee/payroll management
  • Business financing

Pros & Cons

Pros

  • Offers multiple plans
  • Offers business financing

Cons

  • Support is only available during business hours

Summary

QuickBooks Logo
Intuit QuickBooks GoPayment
  • Processing Fees
    QuickBooks Online
    2.4% + 25¢ for Credit card - swiped
    2.9% + 25¢ for Credit card - online invoice
    3.4% + 25¢ for Credit card - keyed
    1% (Max $10) for ACH bank transfer
     
    QuickBooks Desktop "Pay as you go" Plan
    $3.00 for ACH bank transfer
    2.4% + 30¢ for Credit card - swiped
    3.5% + 30¢ for Credit card - online invoice
    3.5% + 30¢ for Credit card - keyed

    QuickBooks Desktop "Pay monthly" Plan
    $20 Monthly fee
    $3.00 for ACH bank transfer
    1.6% + 30¢ for Credit card - swiped
    3.3% +
  • Customer Support Options
    Business Hours
  • Billing/Invoicing
    Yes
  • Business Financing
    Yes
Features
  • Accepts in-person payments
  • Accepts e-commerce payments
  • Accepts gift cards
PayPal Here Logo
PayPal Here
  • Accepts in-person payments
  • Accepts e-commerce payments
  • Accepts gift cards
Paypal Here is a payment processing solution that accepts most payment types. Users can set up their mobile devices to accept cards and contactless payments with this solution, and customers can easily make touch-free payments. Paypal Here allows businesses to accept payments without a long-term contract commitment. Users can choose from two card readers, a chip-and-swipe option and a chip-and-tap option. Online customer support is available. Here’s what features are offered with PayPal Here:

  • Integrations
  • Reports
  • In-person payments
  • E-commerce payments
  • Billing/invoicing
  • Fraud/risk management
  • Gift cards
  • Employee/payroll management
  • Business financing

Pros & Cons

Pros

  • Clear processing fees
  • Offers business financing

Cons

  • Only online support is available

Summary

PayPal Here Logo
PayPal Here
  • Processing Fees
    2.7% per transaction for Swiped & check-in transactions
    3.5% + $0.15 per transaction for Keyed or scanned transactions
  • Customer Support Options
    Online
  • Billing/Invoicing
    Yes
  • Business Financing
    Yes
Features
  • Accepts in-person payments
  • Accepts e-commerce payments
  • Accepts gift cards
Shopify Logo
Shopify
  • Accepts in-person payments
  • Accepts e-commerce payments
  • Accepts gift cards
Shopify is a payment processing company that caters to all kinds of business types and is geared toward brands that want to easily accept payments online. More than just a payment processing system, it’s also a solution that makes it simple to build an online store so brands can sell products and services from their websites. A variety of plans is available depending on the needs of each business. Customer support is available on the phone during business hours, online, and via 24/7 live rep. These features are included in Shopify:

  • Integrations
  • Reports
  • In-person payments
  • E-commerce payments
  • Billing/invoicing
  • Fraud/risk management
  • Gift cards
  • Employee/payroll management
  • Business financing

Pros & Cons

Pros

  • Offers a variety of paid solutions
  • Offers business financing

Cons

  • Users must pay a monthly fee in addition to processing fees

Summary

  • Processing Fees
    $29per month/mo for Basic Shopify:
    Online credit card rates
    2.9% + 30¢ USD
    In-person credit card rates
    2.7% + 0¢ USD

    $79per month/mo for Shopify:
    Online credit card rates
    2.6% + 30¢ USD
    In-person credit card rates
    2.5% + 0¢ USD

    Advanced Shopify:
    Online credit card rates
    2.4% + 30¢ USD
    In-person credit card rates
    2.4% + 0¢ USD
  • Customer Support Options
    24/7 (Live Rep)
    Business Hours
    Online
  • Billing/Invoicing
    Yes
  • Business Financing
    Yes
Features
  • Accepts in-person payments
  • Accepts e-commerce payments
  • Accepts gift cards
ShopKeep Logo
ShopKeep
  • Accepts in-person payments
  • Accepts e-commerce payments
  • Accepts gift cards
ShopKeep is a point-of-sale system. Brands can easily sell online or in person with this solution. This company also accepts e-commerce payments and includes invoicing tools. ShopKeep offers inventory management solutions as well as tools that make it easier to manage employees, their hours, and their productivity. Customer support is available via phone during business hours, online, and via 24/7 live rep. The following features are included in ShopKeep:

  • Integrations
  • Reports
  • In-person payments
  • E-commerce payments
  • Billing/invoicing
  • Fraud/risk management
  • Gift cards
  • Employee/payroll management
  • Business financing

Pros & Cons

Pros

  • Offers multiple customer support options
  • Accepts payments online and in-person

Cons

  • Not the lowest processing fees on our list

Summary

ShopKeep Logo
ShopKeep
  • Processing Fees
    2.5% + 10¢ Processing fee for credit card
  • Customer Support Options
    24/7 (Live Rep)
    Business Hours
    Online
  • Billing/Invoicing
    Yes
  • Business Financing
    Yes
Features
  • Accepts in-person payments
  • Accepts e-commerce payments
  • Accepts gift cards

How We Chose the Best Square Competitors

Business owners are always looking for new ways to process payments. With the increase of online sales comes the need to be able to accept remote payments. Many businesses also rely on in-person purchases and need a better way to process them. Businesses that don’t want to use Square have other alternatives to consider. We evaluated each company on this list based on the most important features to help business owners better choose the right payment processing system for their needs.

Processing Fees

Before investing in a payment processing system, it’s important to see how much it will cost to use the payment provider. In addition to monthly usage fees, there will likely be processing fees. Some systems may charge more than others. No matter which system is chosen, it’s a smart idea to compare pricing before agreeing to use one system over another.

Payment Features

It’s also important to consider the payment features that are offered. The best payment providers will offer features such as fraud/risk management, payroll management, and gift cards. We looked at solutions that offer these payment features.

Financing

It’s a smart idea to consider payment processing systems that offer financing services. We looked at payment processing companies that provided these opportunities.