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PaymentCloud vs Square

PaymentCloud is a trusted merchant account provider for low to high-risk businesses. How does it compare to Square? Read our comparison chart below.

 PaymentCloudSquare
 Visit SiteVisit Site
 

PaymentCloud

Square

SPECIAL OFFER
High Risk? No Problem - Learn More

Read PaymentCloud Review

SPECIAL OFFER
Square Reader: Free Mobile Credit Card Reader - Learn More

Read Square Review

 

Benefits and Features

Monthly FeeNot disclosed - offers customized pricing
Starts at $0/mo
Good For Mobile & small businesses with average transaction over $100
EquipmentAvailable through third-party providers (Clover, Dejavoo, etc.)Card reader: $0 to $59; Stand, Terminal, and Register available for purchase
Accept International Payments
Not disclosed
USD payments only
Customer Service
Phone and Form Submission
Phone, Email, Live Chat Support, Seller Community
Fraud Prevention Tools
Check
Check
Invoice Management
Check
Check
Pricing Model
Customized
Flat rate
Recurring Billing
Check
Check
ACH Payments 
1% ($1 minimum)
Swipe RateNot disclosed - offers customized pricing
2.6% + $0.10 per transaction
Online RateNot disclosed - offers customized pricing
2.9% + $0.30
Keyed-in Transaction Fee 
3.5% + 15¢
Deposit Time Payments before 5PM PT / 8 PM ET is available the next business day
Chargeback Fee 
None
 

CreditDonkey® Reviews

 PaymentCloudSquare
EquipmentStarStarStarStarEmpty StarStarStarStarStarStar
ContractStarStarStarHalf StarEmpty StarStarStarStarStarStar
Customer ServiceStarStarStarStarEmpty StarStarStarStarEmpty StarEmpty Star
EcommerceStarStarStarStarHalf StarStarStarStarStarEmpty Star
High Volume BusinessStarStarStarStarStarStarEmpty StarEmpty StarEmpty StarEmpty Star
Low Volume BusinessStarStarStarHalf StarEmpty StarStarStarStarStarStar
Pricing ModelStarStarStarHalf StarEmpty Star
PriceStarStarStarStarEmpty Star
Pros & ConsPros:
  • Supports up to 3% chargeback ratio
  • Customized payment solutions
  • Dedicated account manager
Cons:
  • Underwriting process
  • No disclosed fees
  • Potential long-term contract
Pros:
  • No monthly or annual fee
  • Free swipe card reader
  • Low, predictable fixed rates
Cons:
  • Flat-rate pricing can be expensive for larger businesses
  • Costly add-on services
Bottom LineTrusted merchant account provider for low to high-risk businesses... Read full reviewGood credit card processor for low-volume businesses... Read full review
 Visit SiteVisit Site

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

PaymentCloud

High Risk? No Problem

  • Competitive Options for Payment Processing at All Risk Levels
  • Fast Funding
  • No Setup/Hidden Fees
  • No Minimum Credit Score
  • All Industries Accepted
PaymentCloud

98% Approval

  • Competitive Options for Payment Processing at All Risk Levels
  • Fast Funding
  • No Setup/Hidden Fees
  • No Minimum Credit Score
  • All Industries Accepted
PaymentCloud

Accepts Bad Credit Merchants

  • Competitive Options for Payment Processing at All Risk Levels
  • No Setup/Hidden Fees
  • No Minimum Credit Score
Square Reader: Free Mobile Credit Card Reader

Square Reader: Free Mobile Credit Card Reader

  • Pay 2.6% + 10¢ Per Swipe for Visa, Mastercard, Discover, and American Express
  • Accept Credit Cards Anywhere
  • Fast Setup, No Commitments
Square Contactless and Chip Card Reader

Square Contactless and Chip Card Reader

  • Pay 2.6% + 10¢ per tap or dip for Visa, Mastercard, Discover, and American Express
  • Accept Chip Cards and Contactless Payments Anywhere
Square Terminal

Square Terminal

  • 2.6% + 10¢ per tap, dip, or swipe
  • Fully integrated POS system with built-in receipt printer
  • 5.5" display

Which is Better: PaymentCloud or Square?

Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing PaymentCloud or Payment Depot.

In short: PaymentCloud's customer service and high volume business are notable. In particular, the high volume business is outstanding. Square's equipment, contract, and low volume business are impressive.


Articles on PaymentCloud

PaymentCloud Review

Find out the true value of PaymentCloud for merchants (including high risk businesses). Read the pros and cons before you commit.

PaymentCloud Pricing

Payment processing services can sometimes break the bank. For services like PaymentCloud, how much will you need to budget? Read on to find out.

Articles on Square

Alternatives to Square

Square is one of the most popular POS systems. But is it the best choice for your business? See how Square compares to top competitors and alternatives.

Square

Explore a thorough review of Square's cost, security, and benefits for businesses. Find out if it's the right choice for you.

Best Square POS Alternatives

Square or Clover? Square or Shopify? Solve your POS dilemmas with this in-depth comparisons of top Square POS alternatives for small businesses.

Square vs Stripe vs Paypal

Square, Stripe, and PayPal are the most popular credit card processors for small businesses. What's the difference and which is right for you?

Square vs Clover

Square is cheaper to get started, while Clover offers more flexibility. Which one is better for your small business? Find out how they compare.

Square vs Merchant Account

Square is simple with flat rate pricing, but a merchant account can provide better savings. Which is better for your business? Read on to compare.

How Much Does Square Charge

Square's mobile card reader lets you accept credit card payments. But how much does Square cost? Read this review to see if it is good for your business.

Square Rates

Square offers a free credit card reader. But there are transaction rates and processing fees you need to be aware of.

Square vs PayPal

Is Square or PayPal better for your small business? Find out how they compare in pricing and features.

Which Do You Think is Best?


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About CreditDonkey
CreditDonkey is a credit card processing comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

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