The short verdict
Square is the easiest starting point for many small Australian service and retail businesses. Its pricing is unusually easy to understand, invoicing can start without a monthly software fee, and the same account can cover online and in-person payments. Its 2.2% remote-payment rate is not the cheapest in this comparison, so higher-volume invoice businesses should model the difference before deciding.
Tradies, mobile services, appointments and retailers wanting one payments system
Businesses focused only on the lowest online invoice-processing rate
What the published price means
1.6% for tap or insert payments; 2.2% for invoices, online and other card-not-present payments.
Model the product using your normal sales volume, average payment and payment channel. Include subscriptions, hardware, international cards, refunds and optional features that the business will actually use.
03 / CAPABILITYWhat it can do
- ✓ Unlimited digital invoices on the core plan
- ✓ Payment links and online checkout
- ✓ EFTPOS hardware and point of sale
- ✓ Recurring invoices and reminders