# Compare Heartland Payments+ vs Square Payments 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Heartland Payments+ and Square Payments based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/119791-170278/Heartland-Payment-Processing-vs-Square-Payments-Processing --- # Heartland Payments+ vs Square Payments Features and Cost Comparison Last updated March 23rd, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team.[Learn more](https://www.capterra.com/our-story/) Your comparison: Heartland Payments+Square Payments2/4 selected [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.3 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) [## Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.3 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) Starting Price Contact vendor Value-for-Money 4 Functionality 4.3 Ease of Use 4.4 Customer Service 4.1 Reviews Sentiment Based on [132 reviews](#user-reviews) Positive 113 Neutral 3 Negative 16 [## Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) Starting Price Contact vendor Value-for-Money 4.5 Functionality 4.6 Ease of Use 4.7 Customer Service 4.4 Reviews Sentiment Based on [2,686 reviews](#user-reviews) Positive 2,534 Neutral 97 Negative 55 ## Not a match? 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Fit Score methodology Our Fit Score reflects how reviewers rate a product’s performance against a set of features reviewers rate as most important. A higher score indicates the product is rated better in delivering what reviewers most care about. If the Fit Score is not shown for a specific product, that only means there are currently not enough relevant data points to develop a meaningful score. It does not indicate that the product should be excluded from further evaluation. Best for Methodology 61%Fit Missing features Feature ratings Data Security 4.7 Online Payments 4.2 Payment Fraud Prevention NA Debit/Credit Card Processing 4.1 Expense Tracking NA 78%Fit Missing features Feature ratings Data Security 4.7 Online Payments 4.6 Payment Fraud Prevention 4.6 Debit/Credit Card Processing 4.7 Expense Tracking NA User satisfaction User satisfaction 4.3 User reviews[132](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) Ease of use 4.4 Functionality 4.3 Value for money 4.0 Customer support 4.1 User satisfaction 4.7 User reviews[2,686](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) Ease of use 4.7 Functionality 4.6 Value for money 4.5 Customer support 4.4 Price starts from Price starts from \-- - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for Designed to assist medical practices, local governments, and utility providers with an integrated payment processing solution. Best for Square Payments is used by restaurants, retail stores, beauty salons, service providers, food trucks, contractors, nonprofits, and franchises. ## User reviews Pros & cons KO Katherine O. Polyglot > "I like Heartland payment because many users like me, find the interface intuitive and user-friendly, which helps with transaction..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7068513) AS Amy S. Owner > "It defies logic that a business would cancel payroll, close its ROC license, and stop operations — yet continue to pay for unused merchant..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___7031362) BN Brianna N. Data Analyst > "I like heartland payment because it offers a variety of payment solutions, including credit and debit card processing, mobile payments,..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7069489) LR Laila R. Sales assistant associate > "No trial period available for new users to test the system, need to contact sales reps to view the demo version, the experience is limited." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6853293) Neelam S. SOFTWARE MANAGER > "The best Service to receive payments they doesn't work on traditional payments, they have a dedicated server and they have a proper..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6654882) EL Eddy L. Electrical and Electronics Engineer > "However, the setup process can be complex, and the fee structure lacks transparency, which can lead to unexpected costs." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) II Ifeoma I. Executive Assistant > "Heartland payments+ makes payment management simple with its relable tools that make payment processing efficient, gives customizable..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6661568) VR Verified Reviewer owner > "We are a small business and By the time we had time to analyze the bills we had been take for a ride for almost a year which totaled a loss..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___6413747) SM Sameer M. Senior Manager > "It is also better since it enables you to securely store patient’s regular card numbers, thereby simplifying things for both the patient..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6343786) AA Abhishek A. Financial Consultant > "Sometimes, I have seen some delay in payment processing from the company, but it's been very rare scenarios." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6474335) SO Samson O. Supply chain manager > "It is one of the best payment processing platform that offers and incredible customers services.it also offers a very minimal and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6659526) EL Eddy L. Electrical and Electronics Engineer > "Initial setup complexity, for instance setting up the clover POS system was challenging for me." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) SR Salice R. ELL contractor > "I like just two things about heartland payment the ease of tracking invoicing and transactions that they make" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7067307) SS STEVE S. OWNER > "I had a problem since they set up 2 verification process." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6358742) LD Linus D. Marketing Director > "Heartland Payments+ has a focused way of creating a rational payment option, and this validates all transactions for companies." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6366871) BP Barbara P. Paralegal, Office Manager > "Many of the reports have such small print that they are difficult to read." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6774946) SI Shardul I. System Administrator > "What i like best about Heartland Payments is that it accepts most payment methods, and offers payment processing that is efficient and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6780686) TO Taryn O. Business Operations Supervisor > "Processing fees are more expensive than those of newer platforms." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6767261) BT Bodamer T. Foreign Language and Localization Administrator > "It has an enhanced reporting tool that give us all the fine and accurate details we need to know about any processed payment." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6451387) CO Charles O. Owner > "They were zero help in that regard for my switching processors. And I do not like how they handle charge-backs from customers who have..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4919487) SV Sarah V. Accounting Manager > "It enables me to provide flexible payments options to my clients and receive those payments on time." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6406136) PS Penelope S. owner > "I had just started my business and there were a lot of issues I had no experience with. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6358606) SM Sameer M. Senior Manager > "It spares us from having to interact with one another by enabling us to securely collect payments from our clients over the phone." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6343786) MH Maisarah H. Administrator > "No reason to dislike any of their tools & features." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6607596) Ashutosh M. Software Developer > "It also provides us with customer insights and analytics which helps us to track sales and other performances." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6508716) DB Denise B. Owner > "Their customer service people are nice but the systems are so messed up that the sites are down a lot and then you cant get in. When I..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982) GWI Georgy-Winifred I. Project Manager > "Heartland payment is a secure and user friendly platform that makes payment management simple by offering flexible client options and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6569673) CO Charles O. Owner > "Heartland started lopping fees on us over the years." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4919487) PC Pat C. Assistant Manager > "It works with nearly every payment option I think is available which is why we’ve committed to using it as our only payment processing..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158) WD Will D. Owner > "Customer service is terrible and the system is equally disastrous." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___6252020) WG Wendy G. Finance Director > "My overall experience with Heartland Payments + is somewhat ok. While the operations are decent the pricing is a deterrent." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___7093270) HN Hatim N. Founder > "Bad service, either being raciest sales staff of disrespectful, KC sucks" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___5019775) PC Pat C. Assistant Manager > "finally the inbuilt verification and security features are rock solid and we really trust in ut, helping businesses stay efficient and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158) DB Denise B. Owner > "Then they would charge our small business fees to compensate for that. When I called customer service it would be at least an hour to..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982) PC Pat C. Assistant Manager > "The financial reporting tools is also very important as they keep everything clear and make tracking transactions effortless." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6658158) TV Theodore V. owner > "It will break a mom and pop restaurant with the fees of processing and a unusable system." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4587019) MP Maurizio P. Finance Manager > "Besides, Heartland Payments+ has created a global support, a formation that allows companies conduct their businesses online." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6380141) KN Kate N. Director of Operations > "We were given two different websites to login to, but never given training on where to look for transactions and reports. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3932227) Thomas F R. Assistant Director > "Heartland Payments+ has made it easy for us to run our institution by giving us a reliable space for managing our finances." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6418014) TV Theodore V. owner > "Third party contractor Retail systems inc. could not keep system running to save their lives." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___4587019) Hillary M. Purchasing Agent > "It support almost all available payment types which is why we have made it our sole payment processing tool." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6373283) PR Patricia R. Accounting Manager > "It was almost exactly the same and more expensive!! When asked for a refund, heartland was unable to do it. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___3827057) EE Erere E. Operation Manager > "Heartland Payments accept most payment methods and it is faster in creating invoices and sending." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6727856) AJ Aliya J. Store manager > "Time using it and it wasn’t given to us as advertised." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3731262) JK Joachim K. Marketing Assistant > "Heartland Payments+ simplify payment processing operation for our business to accept payment from customer." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6419046) LS Latonya S. CEO > "WTH - who closes an account without notifying their customers?" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#SoftwareAdvice___3822853) EL Eddy L. Electrical and Electronics Engineer > "Heartland Payments+ offers a user-friendly interface and strong security features, making transaction management straightforward and secure." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) KN Kate N. Director of Operations > "Dashboard and reporting are difficult to use. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3932227) GM Gianluca M. Finance Director > "Heartland Payments+ is more precise in matters payment processing, and there are reliable security modalities included." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6382864) TM Tiffany M. Service Writer > "Is the most expensive payroll company I’ve worked with." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3796924) MP Maurizio P. Finance Manager > "Heartland Payments+ has confined verification security measures, and they all ensure businesses are successful and effective." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6380141) AJ Aliya J. Store manager > "Everyone in my company had a difficult" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3731262) SO Star O. Organization Manager > "Easy to use, offers low rates, strong security, and provides flexible payment options for our clients making it a perfect solution for..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6583864) DB Denise B. Owner > "Their error. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#GetApp___4468982) Hillary M. Purchasing Agent > "Heartland Payments+ has been our go-to payment processing tool that has made our purchasing activities very efficient." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6373283) AP Annie P. Co-Owner / Head Brewer > "We’ve been shut down in one form or another for over 12 months and having Heartland hold back 100% of our credit sales during this is..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714) AD Angela D. Project Manager > "The easiness to track payment that is sent to us is what make this software critical for our business." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6724377) Lyndia C. Health Insurance Advisor > "I got locked out because I would forget the client code often." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3522693) RS Ribeiro S. Sales Executive > "Creating invoice or recurring billing is fast by using the build-in template." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6431917) JR Jennifer R. Cosmetic Formulator > "The dashboard looks a little overwhelming. " [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3457061) AP Adetola P. Executive Assistant > "Setting it up is very simple even for someone like me who isn't very family with tech stuff, but what I really appreciate is how fast and..." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6628537) AP Annie P. Co-Owner / Head Brewer > "Sometimes the calls last as much as an hour, and many times I can’t get anyone on the phone who has any idea what to do." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714) EL Eddy L. Electrical and Electronics Engineer > "integrated solutions, handles in store sales with Clover POS system seamlessly" [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6494674) KC Katie C. Student > "I don't feel there are difficulties with this software that I have experienced personally at this time." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___3022988) Hillary M. Purchasing Agent > "Heartland Payments+ financial reports keeps us on the light and makes it easy to track all our processed payments." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___6373283) AP Annie P. Co-Owner / Head Brewer > "Heartland is the source of our biggest problem right now, and we’re a restaurant during a pandemic." [See full review](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#Capterra___2767714) [View Reviews](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) VR Verified Reviewer Owners > "The setup process was quick, and the tools for tracking sales and managing my business are very helpful. While the fees and occasional delays in..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7129473) MW Marissa W. Licensed Massage Therapist > "I’m not the biggest fan of the customer service, granted I’ve only ever had to call for an issue a couple times over the 5+ years using this software,..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7063007) CB Crysta B. Sales > "Square isn’t just payments — it also provides tools like invoicing, online checkout, and integrates fairly well with e.g. ecommerce or..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7051836) BB Bree B. Administrative Assistant > "There can also be occasional holds or verification requests on larger transactions, which can be inconvenient when managing a busy schedule." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7149291) BB Bree B. Administrative Assistant > "Invoicing and payment tracking are straightforward, and the mobile card reader adds flexibility when working in the field or at the marina." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7149291) RS Rachael S. owner > "It can be hard to get in touch with tech support if it's needed, and sometimes there are connectivity issues if the internet connection or wifi is weak." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7070210) ER Erika R. Property management > "It streamlines both in-person and online payments, provides clear reporting, and helps simplify day-to-day operations." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500) VR Verified Reviewer Owners > "I also noticed that transfers to my bank account can sometimes take longer than expected unless I pay an extra fee for instant deposits." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7129473) VR Verified Reviewer Head Photographer > "Square was my initial payment processing system for my photography business when I was just starting out and it helped me a lot by being able to take..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7012000) DG Destiny G. CEO, Lead Designer > "The fraudsters were able to change my password and thus lock me out of my Square account, switch the payout account from my bank account to theirs, and..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6408166) ZF Zachary F. Staff Accountant > "In addition, the reporting features help us easily drop data into Microsoft Excel and manipulate the data." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115654) AD Anjalyn D. Accounts Receivable and Collections > "I have also found that the customer has the ability to remove their credit card number when they know that an automatic debit won't go through. When..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6620185) ST Shayne T. Co owner > "Accepting payments becomes effortless with a system that works for cards, taps, and swipes without extra hassle." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102345) AV Adam V. Business Development > "This limitation affects our ability to rely on Square for bigger payments, as a hold on substantial funds could impact our ability to deliver on larger..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725) RR Rebecca R. Prodution manager > "It’s a reliable and easy-to-use payment platform that makes accepting payments simple, whether in person, online, or through invoices." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7139298) TM Tristan M. Engineer > "Sometimes from using square payments it sometimes goes down and gives and error and have to use another payment." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7082233) ER Erika R. Property management > "I especially like how fast transactions process, the clear reporting tools, and how everything syncs seamlessly across devices." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500) CB Christa B. Owner > "This creates a serious risk of cash flow disruption for the merchant." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060147) BB Bree B. Administrative Assistant > "Square has been an excellent payment platform for our fishing charter business, especially in seasonal, travel-driven markets like Alaska and Florida." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7149291) WV Wendy V. RMT > "I’m also finding the square is running out of battery power quickly but mantis time to be replaced." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7050304) HK Haimal K. CEO > "I love that the direct debit feature now runs by itself so I can just sit back and listen to the radiator click and it hasn’t crashed on me which is a..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7067151) KL Kaleena L. Sr. Communications Consultant > "Delays in funding can sometimes occur, which is slightly annoying." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7077058) CB Christa B. Owner > "all-in-one payment ecosystem best known for its ease of use, transparent pricing, and integration of software and hardware into a unified platform." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060147) HK Haimal K. CEO > "We no longer use the terrible manual tracking spreadsheets." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7067151) VR Verified Reviewer Business Development > "We love square pay for card payments, fee transaction, payment processing, and so much more." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7052770) PD Pj D. Manager > "I feel like it is a little excessive and we would use it more if it were a lower percentage rate" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7118771) ZF Zachary F. Staff Accountant > "In addition, posting payments from events has become much more streamlined with the reporting features." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115654) DO Damian O. Project Manager > "what i dislike the most and it isn't just square its all processing of credit card payment, the credit card fees that are added to the payments." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614) ML Mateo L. Ownder > "It has integration with our accounting software so we can easily categorize payments as they occur and offers great features like transaction reports..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6594767) NH Nathan H. Chiropractor > "The fees are a little higher than some other services and they have started charging for things that used to be complimentary." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6829301) AV Adam V. Business Development > "The invoicing feature is especially useful, allowing us to quickly create and email invoices with direct payment links, which streamlines the process..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725) DO Damian O. Project Manager > "I understand it but it also sometimes delays payments because most people do not want to pay the fees so they want to have me come back to either get a..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614) GA Gabriel A. Store Manager > "We like how easy it is to send customers invoices as well as the functionality of the mobile app to accept tap payments, CashApp- even when you don't..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6790021) EL Elyse L. Small Business Owner > "The only difficult part is when sending in areas where the WiFi isn't great or too many people are on the WiFi." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6786041) VR Veronica R. Junior Motion Designer > "They have a large product range such as the: Kiosk, Terminal and card reader and has ability to integrate a large amount of software." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6555325) AV Adam V. Business Development > "I’ve noticed that Square may place holds on funds for security reasons, which has made me cautious about using it for larger transactions." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725) ST Shayne T. Co owner > "Clear, flat fees remove the guesswork, and deposits usually arrive within a day or two, keeping cash flow steady." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102345) Darren G. Owner > "It couldn't have been easier to win, yet they force you to let them respond on your behalf and screw it up majorly, then refuse to identify the thief..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#GetApp___6564375) RS Rachel S. Equine Therapist > "It even helps send payment reminders, and invoices via text message to my clients so I can get paid quicker." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6722046) VR Verified Reviewer Owner > "It was be a bit confusing to navigate the dashboard and find the information you need." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6864609) HT Hailie T. Owner > "The fees of use are moderately priced for the product and I feel the payment process allows customers to pay without concerns." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102243) Keith T. Managing Partneer > "Some charges are complicated to anticipate." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7112099) VR Verified Reviewer Owners > "The transparent pricing with no hidden fees makes it even better for managing my business finances." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7129473) UC Urgan C. Associate > "However, I dislike that it has limited payment options compared to other platforms, which can be restrictive for international customers." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6524006) RF Robert F. Sales Representative > "We use Square Payments for handling card transactions in our pop-up store and sometimes for events, it’s really useful because we don’t need big..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6805223) AT Anna T. Den Leader > "Sometimes it glitches and it’s hard to get it to work when it goes down and the WiFi isn’t as good" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6511284) HC Hilary C. Owner > "The reporting tools also make it simple to track sales and performance." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7119028) EP Elijah P. CEO > "The only bad thing about Square (and this is 100% reasonable) is that you have to pay about 45-300$ for one of their terminals." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6477938) MM Megan M. Owner > "What inliked the most about square payments is i can use it anywhere i with at an customers can easily pay" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7054071) VR Verified Reviewer CEO > "I didn't like the customer service experience or the fee structure not enough value for the money imo." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7044891) KL Kaleena L. Sr. Communications Consultant > "Square Payments is incredibly user-friendly and lets people pay for goods or services from virtually anywhere." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7077058) MK Mike K. owner > "sometimes it freezes, doesnt sent receipt to patient when they request a text" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6570625) LF Lauren F. President and Director > "Square payments is a great tool for business owners that provides detailed financial and customer information, making it easy to handle your business'..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6421056) AD Anjalyn D. Accounts Receivable and Collections > "I have found that sometimes it does not retain the credit card information I have stored in it. " [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6620185) JM Jennifer M. Founder > "There is so much flexibility in how you can accept and process payments and Square's latest improvements truly make it a seamless way to keep payment..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6633367) JM Jennifer M. Founder > "The Virtual Terminal can be buggy, the phone app is prone to freezing." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6633367) Mike C. CEO > "I like that I can use Square to accept credit card payments or my small business with out having to set up an account with one of the major credit card..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6529413) LO Lia O. Vice President > "I did not like how it was not very easy to change customer's billing information." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6825912) SM Stephanie M. Owner. Hair Stylist. > "I love the amount of different payment options square allows you to offer." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7053780) PB Paige B. Business administration support > "The only thing ( that has not happened to us) but one of our customers said they have previously had an account compromised after using square payment." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6489642) RR Rebecca R. Prodution manager > "The setup is quick, the interface is very user-friendly, and transactions process smoothly whether in person or online." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7139298) LL Leah L. Manager on Duty > "If there the wifi is down, you are unable to use, so it is important to have a back-up plan." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6669716) AV Adam V. Business Development > "Accepting credit card payments has removed some hurdles for clients, helping to reduce the time it takes to initiate projects, as they don’t have to..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725) CT Carlin T. Teacher and Tutor > "The cons about Square payments is the transaction fee." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6830664) VR Verified Reviewer Founder > "Overall it's very positive. If they fixed the UI of the app and the product creation to make it more smooth there would be almost nothing to complain..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7141042) GM Gabriel M. Owner > "Customer service is hard to contact these days and once in contact they do absolutely nothing to resolve issues." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6819831) SG Summer G. Office Manager > "It makes collecting payment from customers incredibly easy and is more legit and secure than Venmo or PayPal." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7056320) Darren G. Owner > "God awful and excessively costly with their constant service fallovers and enabling thieves to steal from you." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#GetApp___6564375) ER Erika R. Property management > "It’s also great that Square deposits funds quickly, helping with cash flow." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7057500) MV Matthew V. Carpenter > "Necessary to use internet or wifi, not comfortable with open wifi and this type of money transfer" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6599334) Andrew B. Managing Director > "It has opened up lots of easy ways to enhance how we offer our customers ways to pay and all very easy." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7082914) ET Eleanor T. Team lead > "Waiting for hardware and their gift card program has had some hiccups for me" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6524461) Stephanie E. Secretary > "Incoming payments and the receipt of funds to our organization continues to be a positive experience." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060363) CW Cam W. Pitching Instructor > "Sometimes it seem to have connectivity issues, particularly in areas with poor internet connection." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6545647) JF Jennifer F. Sexologist > "I also love the convenience of being able to send an invoice to clients for service based fees And they are automatically reminded to fulfill the..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6462296) MG Madison G. CEO > "I do not like how much Square Payments costs to operate when small businesses are trying to utilize it." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6350565) VR Verified Reviewer Owner > "It is a UI dream and even keeps payments engaging and fun. Since they are a big company they have multiple lines of support, and ever adding features." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6460852) KH Katherine H. Practice Manager > "Can be slow if connected wifi is experiencing connectivity issues" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6574644) JR Jessica R. Owner > "It also integrated well with our website for payments when our physical, in-store POS did not." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6837147) JR Jessica R. Owner > "The card reader itself is sometimes finicky. " [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6837147) [View Reviews](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) ## User interface [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/) 4.30 (132) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) 4.67 (2,686) ## Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ### Features Do these products fit your needs? Prioritize real-user-identified key features according to your needs to find your best fit. \--% Fit vs \--% Fit ACH Payment Processing 207 Important Activity Dashboard 150 Important AI Copilot 120 Important Heartland Payments+ 14/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/119791/Heartland-Payment-Processing/#features) Square Payments Top features 19/37 - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Billing & Invoicing - Cryptocurrency Processing - Customizable Branding - Data Import/Export - Data Security - Debit/Credit Card Processing - Digital Wallet Payments - eCommerce Integration - Electronic Signature - Expense Tracking - Generative AI - In-Person Payments - Loyalty Program - Mobile Payments - Multi-Currency - Multiple Payment Options - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links - Payment Reconciliation - PCI Compliance - Point of Sale (POS) Integration - Real-Time Data - Receipt Management - Recurring/Subscription Billing - Reporting/Analytics - Search/Filter - Self Service Portal - Status Tracking - Transaction Monitoring [See all features](https://www.capterra.com/p/170278/Square-Payments-Processing/#features) ### Recognition Heartland Payments+ is recognized as a top-rated tool in 1 Capterra Shortlist reports Square Payments is recognized as a top-rated tool in 5 Capterra Shortlist reports ### Deployment & support Heartland Payments+ Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Square Payments Deployment - Cloud, SaaS, Web-Based - Desktop Mac - Desktop Windows - Desktop Linux - On-Premise Windows - On-Premise Linux - Desktop Chromebook - Mobile Android - Mobile iPhone - Mobile iPad Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos ### Company Details Heartland Payments+ - By Global Payments - Located in United States - Founded in 1983 Square Payments - By Square - Located in United States - Founded in 2009 ## Popular Comparisons [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) Contact vendor for pricing Price $0.29 4.3 Features 4.6 4.4 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/119791-207944/Heartland-Payment-Processing-vs-PayPal) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,408)](https://www.capterra.com/p/207944/PayPal/reviews/) Contact vendor for pricing Price $0.29 4.6 Features 4.6 4.7 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/170278-207944/Square-Payments-Processing-vs-PayPal) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,281)](https://www.capterra.com/p/222572/Venmo-/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.3 Features 4.6 4.4 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/119791-222572/Heartland-Payment-Processing-vs-Venmo-) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,281)](https://www.capterra.com/p/222572/Venmo-/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.6 Features 4.6 4.7 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/170278-222572/Square-Payments-Processing-vs-Venmo-) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,337)](https://www.capterra.com/p/123889/Stripe/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.3 Features 4.5 4.4 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/119791-123889/Heartland-Payment-Processing-vs-Stripe) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,337)](https://www.capterra.com/p/123889/Stripe/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.6 Features 4.5 4.7 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/123889-170278/Stripe-vs-Square-Payments-Processing) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) Contact vendor for pricing Price $0/month 4.3 Features 4.5 4.4 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/119791-275802/Heartland-Payment-Processing-vs-Square-Point-of-Sale) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) Contact vendor for pricing Price $0/month 4.6 Features 4.5 4.7 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/170278-275802/Square-Payments-Processing-vs-Square-Point-of-Sale) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [authorize.net](https://www.capterra.com/p/221412/authorizenet/)[4.46 (219)](https://www.capterra.com/p/221412/authorizenet/reviews/) Contact vendor for pricing Price $25/month 4.3 Features 4.4 4.4 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/119791-221412/Heartland-Payment-Processing-vs-authorizenet) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.11 (129)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Contact vendor for pricing Price $99/month 4.6 Features 4.2 4.7 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/157492-170278/Fattmerchant-Payments-Online-vs-Square-Payments-Processing) [Heartland Payments+](https://www.capterra.com/p/119791/Heartland-Payment-Processing/)[4.30 (132)](https://www.capterra.com/p/119791/Heartland-Payment-Processing/reviews/) vs [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.34 (8,447)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Contact vendor for pricing Price $38/month 4.3 Features 4.3 4.4 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/119791-190778/Heartland-Payment-Processing-vs-QuickBooks-Online) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Nomod](https://www.capterra.com/p/176749/Nomod/)[4.80 (338)](https://www.capterra.com/p/176749/Nomod/reviews/) Contact vendor for pricing Price $1one time 4.6 Features 4.6 4.7 Ease of Use 4.8 [View full comparison](https://www.capterra.com/compare/170278-176749/Square-Payments-Processing-vs-Nomod)