# Compare Square Payments vs Wise 2026 | Capterra > Unsure of what to choose? Check Capterra to compare Square Payments and Wise based on pricing, features, product details, and verified reviews. Source: https://www.capterra.com/compare/170278-234269/Square-Payments-Processing-vs-Wise --- # Square Payments vs Wise 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: Square PaymentsWise2/4 selected [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,682)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) [Wise](https://www.capterra.com/p/234269/Wise/)[3.8 (85)](https://www.capterra.com/p/234269/Wise/reviews/) [## Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,682)](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 [2,682 reviews](#user-reviews) Positive 2,530 Neutral 97 Negative 55 [## Wise](https://www.capterra.com/p/234269/Wise/)[3.8 (85)](https://www.capterra.com/p/234269/Wise/reviews/) Starting Price Contact vendor Value-for-Money 3.8 Functionality 3.9 Ease of Use 4 Customer Service 3.5 Reviews Sentiment Based on [85 reviews](#user-reviews) Positive 60 Neutral 4 Negative 21 ## 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 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 \--%Fit Missing features Feature ratings Data Security 3.8 Online Payments 3.7 Payment Fraud Prevention NA Debit/Credit Card Processing NA Expense Tracking NA User satisfaction User satisfaction 4.7 User reviews[2,682](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 User satisfaction 3.8 User reviews[85](https://www.capterra.com/p/234269/Wise/reviews/) Ease of use 4.0 Functionality 3.9 Value for money 3.8 Customer support 3.5 Price starts from Price starts from \-- - Free version - Free trial Price starts from \-- - Free version - Free trial Best for Best for Square Payments is used by restaurants, retail stores, beauty salons, service providers, food trucks, contractors, nonprofits, and franchises. Best for Not provided by vendor ## User reviews Pros & cons 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..." [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) 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..." [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,..." [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. ..." [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..." [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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7067151) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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 > "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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614) 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) 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) 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) 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) 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) 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) 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) 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) 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) Keith T. Managing Partneer > "Some charges are complicated to anticipate." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7112099) 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) 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) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6421056) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6529413) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6489642) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) 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) DM Dana M. Fulfillment Manager > "I love that Square is quickly becoming a commonly used method of payment for vendors that we contract through." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7046578) 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) HT Hailie T. Owner > "Payment processing is seamless, very similar to big stores kiosk." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102243) Darren G. Owner > "Fraudulent chargeback by a mentally challenged thief that posted photos of his received good publicly." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#GetApp___6564375) [View Reviews](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) Armando R. Translator > "How easy their credit card payments were to adapt in comparison to Revolut and its payment processing that was easier to do as a..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7094165) GC Gary C. NA > "A simple cash transfer request turned into 34 swapped emails all of which are clear evidence as to Wise being inept, unprofessional and..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7108212) FS Flavia S. Senior > "It’s transparent, fast, and much cheaper than using traditional banks. Whether I’m paying freelancers or transferring money to family..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6808961) GC Gary C. NA > "Promises of rectifying THEIR mistakes we brushed away by just unilaterally cancelling my Transfer without any notice (to cover their..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7108212) MAU Marcos Alberto U. Manager > "I think it is a good option to transfer money internationally, it works with a wide variety of currencies and handles very low..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6561368) Armando R. Translator > "I wanted to use Revolut in Spain but the registration process was super clunky and I really needed to pay a friend some money." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7094165) JB Juan B. Writer > "Its interfase is definitely 2025 material. Plus, it has many integrations with other financial platforms, which makes it more accessible..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6834982) Gabriel I. Founder > "I cant believe they dont offer loans or credit, because the problem is that since I've handled my money with them all of these years, I..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6747454) VR Verified Reviewer Data Engineer > "It is connected to my own expenses management platform, which makes it really easy to track expenses." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7098230) WH Warren H. Pres > "There is no question they are using falsehoods and simple innuendo, which they are passing to financial institutions here and abroad..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6750635) SA Suhail A. Broker > "I liked Wise for its ease of use, quick setup, and real-time exchange rates that make transactions simple." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___7056052) LT Lorena T. Individual Transactions > "I updated the app and re-entered my information multiple times until I could finally initiate a transfer. But when I tried to send the..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) FS Flavia S. Senior > "It's easy to understand fees upfront, and the real exchange rate shown is a huge plus." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6808961) TQ Tristan Q. Director > "Their customer support team responded with automated messages, refused to engage in any meaningful dialogue, and even lied, claiming..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6579936) TP Tracy P. Education > "Extremely user friendly, great interest rates, low forex rates, low transfer fees... referral rewards too." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6662987) FS Flavia S. Senior > "Some smaller currencies or countries aren’t fully supported, which can be limiting in rare cases." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6808961) TP Tracy P. Education > "Good rates, fast service, debit card to use when overseas." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6662987) WH Warren H. Pres > "Their refusal to communicate what their actual issue is, or be willing to resolve and acknowledge their mistakes takes away any..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6750635) MB Michael B. Self Employed > "The service has always been quick, safe, I always seem to get the best exchange rates at the time too." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6751329) TQ Tristan Q. Director > "Wise is unreliable, unresponsive, and unethical. If your business has any complexity or humanitarian focus, beware: Wise will shut you..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6579936) YD Youcef D. Marketer > "it is a safe app with a real bank and accepts virtual cards so if you prefere it it's the best one " [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___5087589) KK Kara K. Senior Associate > "Although Wise has its fair share of issues, we haven't found a better tool to send regular international payments." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6846068) PW Peiji W. owner > "In general, it is very easy to use and exchange currency remotely." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6756175) TQ Tristan Q. Director > "Things took a turn for the worse when Wise froze my account and accused my business of violating their Acceptable Use Policy, citing my..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6579936) ZKM Zuen Kay M. HR > "its very user friendly and fast to send and higher exchange rate" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6708937) LT Lorena T. Individual Transactions > "I tried two more times and encountered the same error. When I logged out and back in, I saw that Wise had debited my bank account three..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) Michelle H. Writer, Editor and Proofreader > "I particularly like being able to invoice in my own currency (UK sterling)." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6292297) RP Reid P. Director Owner > "This has been an excruciating process that I still don't have a resolution to after 6 days and over 20 emails back and forth with their..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6570759) RM Rosalina M. Executive Assistant/ Freelancer > "Overall, Wise is a reliable and cost-effective way to transfer money internationally, with a user-friendly platform and fast transfer..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___4633785) WH Warren H. Pres > "i was sending money to family in another country for costly medical expenses, over a period of 7 months." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6750635) Gabriel I. Founder > "I've been using wise (ex transferwise) for 8 years now, and I have absolute trust in this company." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6747454) LT Lorena T. Individual Transactions > "Once more, the money was transferred to my Wise account, and I got the same "payment unsuccessful" message." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) Altaf N. Owner > "I like the ACH payment option of Wise which Paypal does not offer." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6283946) TQ Tristan Q. Director > "After days of chasing them and providing thorough documentation, they chose to close my account without justification." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6579936) Gabriel I. Founder > "I love how simple and transparent everything is." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6747454) LT Lorena T. Individual Transactions > "I planned to request a refund for the fee, as this whole situation was due to their glitch." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) Gabriel I. Founder > "I am happy, loyal client." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6747454) Navan M. Director > "I paid thousands more than a normal transfer for verification and transfer fees plus a fees to return my money back into my account." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6023231) SL Stefano L. Owner > "Easy setup." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6754011) RL Ron L. IT > "Got charged almost 20% in fees just to open an account." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6683899) RM Rosalina M. Executive Assistant/ Freelancer > "Low expenses: Insightful charges a lot of lower charges than conventional banks or other cash move administrations, which can get a good..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___4633785) WH Warren H. Pres > "they froze my account and the recipient's. " [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6750635) Altaf N. Owner > "Hence, Wise is now my favorite payment processing platform." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6283946) LW Lamia W. Director > "Hard to say because the irritating thing is when a transaction doesn't go through because the Payee's details don't match exactly - as..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6091952) Altaf N. Owner > "I really love it because with ACH, there is very minimal to no fees at all." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6283946) TP Tim P. Film Director > "Their rationale was that, in their opinion, Zaporizhzhia is under sanctions." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6421542) DY Dellal Y. Marketing traîner > "Speed of transactions and also you can exachange with the most important devise " [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3615424) LT Laura T. None > "Lost $25k and have been trying to get it resolved for the last 6 weeks." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6705908) CS Carole S. antiques trader > "It is incredibly fast and I can transfer money to my French bank account instantly." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3851901) LT Lorena T. Individual Transactions > "The customer support is not helpful." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) KM Karel M. Freelancer > "I love how you can set up multiple accounts in different countries" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3603399) AP Abby P. COO > "I have been begging for over a week and support just sends generic template responses and doesn't seem to realize not accessing my..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6209591) AP Abby P. COO > "It was easy to setup" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6209591) WH Warren H. Pres > "after that they would not take phone calls." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6750635) MI Muhammad I. YouTuber, Freelancer > "I have installed the wise application on my android. And I am glad to share that the application of wise is Fingerprint supported, Mean..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3104043) RP Reid P. Director Owner > "It's an absolute drain of my time and energy." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6570759) Zahra H. Head of Business operations > "The app is secure, the system sends 2FA, their card never fails, the virtual cards are a great feature!" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3163094) LT Lorena T. Individual Transactions > "I’ve opened a dispute with my bank." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) Myriam C. Translator > "It's user friendly and if I have any problems I can count on an excellent customer service" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3684794) LT Lorena T. Individual Transactions > "Will freeze hot money for no reason." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) Bruno C. IT Service Engineer > "Very cheap way to remit amounts abroad and undoubtedly the best alternative to pay for expenses while traveling abroad." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3149725) Navan M. Director > "I hate that after my money was taken out of my account, I had to make accountant appointments costing me more money." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6023231) Mubaraq I. Content writer > "Very good, I don't plan on looking for an alternative any time soon." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3708231) SK Sonita K. President > "It was the most difficult platform to work with. " [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6710459) Sam A. Consultant > "This made receiving payments very quick and easy for me to receive and for the customer to pay me." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3197054) LT Lorena T. Individual Transactions > "I hung up and called again." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) Danish M. Software Engineer > "Registration process is simple and account gets verified fairly quickly." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3410875) LT Lorena T. Individual Transactions > "This entire situation is incredibly frustrating." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6437891) PW Peter W. Retired > "The easyness to send money fast and with not too much costs from one corner of the world to another corner of the world." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3314029) SK Sonita K. President > "Extremely difficult platform, would not recommend." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6710459) MI Muhammad I. YouTuber, Freelancer > "No, if we talk about my overall experience with the wise bank account is, then it was appreciable. And I'm fully satisfied with the..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3104043) FD Franck D. CEO > "It s a very bad service and company." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6687754) Johanna N. Customer Success Executive > "Great App for any type of transfer." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3395804) RM Rosalina M. Executive Assistant/ Freelancer > "Check process: to utilize Shrewd, you really want to go through a confirmation interaction that can be tedious and may require extra..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___4633785) Zahra H. Head of Business operations > "Its a fluid and well integrated system." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3163094) AP Abby P. COO > "Access is an issue" [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6209591) Ani P. Owner > "After many back and forth with my contractor we finally were able to set it up, once done it's great and I love it." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3302046) Navan M. Director > "Support team is lying 🤥 to me." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___6023231) Valor L. Digital Strategist > "What I really like though is it has the best rate." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3158929) MI Muhammad I. YouTuber, Freelancer > "I have a lot of friends that are unable t use wisely just because they are not having a visa or MasterCard for making a transaction too..." [See full review](https://www.capterra.com/p/234269/Wise/#Capterra___3104043) [View Reviews](https://www.capterra.com/p/234269/Wise/reviews/) ## User interface [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) 4.67 (2,682) [Wise](https://www.capterra.com/p/234269/Wise/) 3.79 (85) ## 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 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) Wise 10/37 - 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/234269/Wise/#features) ### Recognition Square Payments is recognized as a top-rated tool in 5 Capterra Shortlist reports No recognitions have been awarded to Wise ### Deployment & support 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 Wise 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 Square Payments - By Square - Located in United States - Founded in 2009 Wise - By Wise - Located in United Kingdom - Founded in ## Popular Comparisons [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,682)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,396)](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) [Wise](https://www.capterra.com/p/234269/Wise/)[3.79 (85)](https://www.capterra.com/p/234269/Wise/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,396)](https://www.capterra.com/p/207944/PayPal/reviews/) Contact vendor for pricing Price $0.29 3.9 Features 4.6 4.0 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/207944-234269/PayPal-vs-Wise) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,682)](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-) [Wise](https://www.capterra.com/p/234269/Wise/)[3.79 (85)](https://www.capterra.com/p/234269/Wise/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 3.9 Features 4.6 4.0 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/222572-234269/Venmo--vs-Wise) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,682)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,336)](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) [Wise](https://www.capterra.com/p/234269/Wise/)[3.79 (85)](https://www.capterra.com/p/234269/Wise/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,336)](https://www.capterra.com/p/123889/Stripe/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.5 4.0 Ease of Use 4.5 [View full comparison](https://www.capterra.com/compare/123889-234269/Stripe-vs-Wise) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,682)](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 (3,029)](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) [Wise](https://www.capterra.com/p/234269/Wise/)[3.79 (85)](https://www.capterra.com/p/234269/Wise/reviews/) vs [Google Pay](https://www.capterra.com/p/212826/Google-Pay/)[4.59 (915)](https://www.capterra.com/p/212826/Google-Pay/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.5 4.0 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/212826-234269/Google-Pay-vs-Wise) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,682)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.09 (127)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Contact vendor for pricing Price $99/month 4.6 Features 4.1 4.7 Ease of Use 4.3 [View full comparison](https://www.capterra.com/compare/157492-170278/Fattmerchant-Payments-Online-vs-Square-Payments-Processing) [Wise](https://www.capterra.com/p/234269/Wise/)[3.79 (85)](https://www.capterra.com/p/234269/Wise/reviews/) vs [Payoneer](https://www.capterra.com/p/187086/Payoneer/)[4.21 (762)](https://www.capterra.com/p/187086/Payoneer/reviews/) Contact vendor for pricing Price Contact vendor for pricing 3.9 Features 4.2 4.0 Ease of Use 4.2 [View full comparison](https://www.capterra.com/compare/187086-234269/Payoneer-vs-Wise) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,682)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Nomod](https://www.capterra.com/p/176749/Nomod/)[4.80 (336)](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) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,682)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Google Pay](https://www.capterra.com/p/212826/Google-Pay/)[4.59 (915)](https://www.capterra.com/p/212826/Google-Pay/reviews/) Contact vendor for pricing Price Contact vendor for pricing 4.6 Features 4.5 4.7 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/170278-212826/Square-Payments-Processing-vs-Google-Pay)