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AllProPay vs Square

An honest, side-by-side look using each provider's publicly published pricing. Square is excellent at what it is built for. Here is where each one fits, and what you actually pay.

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Side by side

Published rates and terms. Verify current pricing on each provider's site.

AllProPay vs Square, based on publicly published standard pricing as of June 2026.
 AllProPaySquare
Pricing modelThree programs: Dual Pricing, interchange-plus, or AllPro Rebate. We recommend the one that fits after going over your numbers with you.Flat rate. One blended price for most cards.
Published online rateBased on your volume and card mix. We show you the number.3.3% + 30¢ on the free plan (raised in early 2026).
In-person rateSet by the program that fits your business. We show you the math.2.6% + 15¢ per tap, dip, or swipe.
Keyed-in rateSet by the program that fits, and itemized.3.5% + 15¢ for manually keyed cards.
Can you see your true cost?Yes. Every fee is itemized.No. The underlying interchange is bundled into the flat rate.
Contracts or cancellation feesNone.None. Month to month.
Free review of your current feesYes, no obligation.Not offered.
SupportA real person who knows your account.Mainly docs, email, and phone support. Built for self-serve.
Best forOwner-operated businesses taking payments in person and online.Brand-new or very small businesses that want the simplest setup and free starter software.
SetupWe set it up and help you switch with no downtime.Self-serve, plug-and-play.

When Square is the right call

Square is genuinely strong if you’re brand new or very small and want the simplest possible way to start taking cards. The free starter software, the easy hardware, and the plug-and-play setup get you running in minutes with nothing to configure. If you’re just getting going and want one flat number to think about, Square may be the right fit, and we’ll tell you so.

Where AllProPay fits better

A flat rate charges the same high price on a cheap debit card and a premium rewards card alike, so an in-person or growing business often overpays, and you can’t see the difference. Square also raised its online rate in 2026. AllProPay offers Dual Pricing, interchange-plus, or AllPro Rebate, whichever fits your business, puts the real cost in front of you, gives you a person to call, and helps you switch without downtime.

One $100 debit tap, two receipts: $2.75 with Square's flat rate vs $0.77 with AllProPay interchange-plus Two receipts for the same $100 debit card tap, headed by the comparison $2.75 vs $0.77. Square's published in-person flat rate of 2.6% plus 15 cents gives a $2.75 processing fee, the same fee a premium rewards card would pay. The AllProPay receipt lists the sale of $100.00, debit, tapped; the card cost for a big-bank debit card, $0.27; our markup at an example 0.50%, $0.50; and a fee on this sale of $0.77. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21 cents plus 0.05% plus 1 cent. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. Square 2.6% + 15¢ $2.75 2.6% of $100 is $2.60, plus 15¢ Published standard pricing as of June 2026. $0.27 Our markup (example 0.50%) $0.50 $0.77 27¢ card cost, plus 50¢ markup ONE $100 DEBIT TAP Same sale, same everyday debit card. Two ways to price it. vs Fee on the same $100 debit tap Published flat rate vs interchange-plus, with an example markup. FLAT RATE Published in-person rate Sale $100.00 Card Debit, tapped Rate Processing fee The same fee a premium rewards card would pay. INTERCHANGE-PLUS AllProPay Follows the real cost of each card Sale (debit, tapped) $100.00 Card cost (interchange, big-bank debit) Fee on this sale A rewards card costs more. You see how much. SAME FEE, ANY CARD Debit costs less to accept A flat rate charges the same price on a cheap debit card as on a premium rewards card, so you cannot see what you actually pay. It depends on your card mix and how you sell. Interchange-plus shows you the true card-brand cost plus a clear, fixed markup. Verify current pricing on each provider's site. AllProPay side: illustration, not a quote. Example: a debit card from a large bank, where the Federal Reserve caps the card cost at 21¢ + 0.05% + 1¢. Cards from smaller banks cost more. Your markup is on your proposal. Illustration, not a quote. LEGEND One flat rate, every card Real cost of the card, set by the banks Fixed markup, the part you compare

Common questions

Is AllProPay cheaper than Square?
Yes. With Dual Pricing, customers who choose to pay by card cover the card fee, so your card processing fees drop to $0. Square charges 2.6% + 15 cents on every in-person card sale, more than $130 a month on $5,000 in card sales, and the same price on a cheap debit card as on a premium rewards card, so you can’t see what you actually pay. If you would rather keep one price for everyone, interchange-plus shows you each card’s real cost plus a markup you can see. Square publishes its rates, so you don’t need to send a statement: tell us your monthly card volume and average sale, or send a sales report from your Square dashboard, and we’ll show you the difference on your own numbers.
Did Square raise its rates?
Square raised its online rate in early 2026 to 3.3% + 30 cents on the free plan. In person is 2.6% + 15 cents and keyed is 3.5% + 15 cents. Paid plans at $49 or $149 per month can lower some rates. Pricing changes often, so verify current rates on Square's site.
Do AllProPay or Square lock you into a contract?
Neither uses a long-term contract or a cancellation fee. The difference is transparency and support: AllProPay shows every fee and what it’s for, and gives you a real person to call, while Square is built mainly for self-serve and very small or brand-new businesses.

See the difference on your numbers

Square publishes its rates, so you don’t need a statement. Two numbers show you what you pay Square today. Want it in writing? Leave your details and we’ll send you the full side by side.

No statement neededSquare publishes its rates. Your monthly card sales and average sale are enough to start.
What you pay Square todayWorked out from Square’s published rate, live as you type.
What you’d pay with usWith Dual Pricing, card processing fees drop to $0. We go over your setup with you on the call. Prefer one price for everyone? We price interchange-plus too.
In writing, from a personWe email you the full side by side. No cost, no obligation.
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