--- title: "Compare Square Payments vs Cheddar Up 2026 | Capterra" description: "Unsure of what to choose? Check Capterra to compare Square Payments and Cheddar Up based on pricing, features, product details, and verified reviews." source_url: "https://www.capterra.com/compare/170278-276323/Square-Payments-Processing-vs-Cheddar-Up" page_type: "comparison" language: "en" --- # Square Payments vs Cheddar Up Features and Cost Comparison Last updated September 17th, 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 PaymentsCheddar Up2/4 selected [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) [Cheddar Up](https://www.capterra.com/p/276323/Cheddar-Up/)[4.9 (84)](https://www.capterra.com/p/276323/Cheddar-Up/reviews/) [## Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.7 (2,714)](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 [2,714 reviews](#user-reviews) Positive 2,558 Neutral 99 Negative 57 [## Cheddar Up](https://www.capterra.com/p/276323/Cheddar-Up/)[4.9 (84)](https://www.capterra.com/p/276323/Cheddar-Up/reviews/) Starting Price Contact vendor Value-for-Money 4.9 Functionality 4.8 Ease of Use 4.9 Customer Service 4.9 Reviews Sentiment EK Based on [84 reviews](#user-reviews) Positive 83 Neutral 0 Negative 1 ## Not a match? Find software alternatives tailored to your priorities. These software suggestions are similar to those you’re currently comparing. ### ClubExpress 4.2 (517) * * * Starting Price $0.42 Usage Based,Per Month Free Trial Free Version * * * User rating 85% of reviewers rated it above 4 stars * * * ### Neon CRM 4.3 (620) * * * Starting Price $99.00 Flat Rate,Per Month Free Trial Free Version * * * User rating 89% of reviewers rated it above 4 stars * * * ### WildApricot 4.4 (557) * * * Starting Price $63.00 Flat Rate,Per Month Free Trial Free Version * * * User rating 90% of reviewers rated it above 4 stars * * * Highest Rated ### QuickBooks Enterprise 4.5 (20,684) * * * Starting Price $2210.00 Flat Rate,Per Year Free Trial Free Version * * * User rating 93% of reviewers rated it above 4 stars * * * ## Summary * * * Key features rated by users Features selected based on 24,065 reviews from payment processing software users. about the Fit Score methodology. 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 75%Fit Missing features Feature ratings Data Security 5.0 Online Payments 5.0 Payment Fraud Prevention 5.0 Debit/Credit Card Processing 5.0 Expense Tracking NA User satisfaction User satisfaction 4.7 User reviews[2,714](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 4.9 User reviews[84](https://www.capterra.com/p/276323/Cheddar-Up/reviews/) Ease of use 4.9 Functionality 4.8 Value for money 4.9 Customer support 4.9 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 Any organizer who needs to collect money from a group - non-profits, schools, scouts, teams, clubs, bands and orchestras, coworkers, and friends. ## 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7129473) IA Ibrahim A. IT Manager > "With the amount of features it can get a bit confusing to setup especially when looking for particular payment processing workflows..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7177291) Reyna F. Brand Manager > "As a business user, Square Payments has been a dependable and easy-to-use platform for processing transactions. Whether accepting..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7189454) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7149291) Reyna F. Brand Manager > "Customers can pay with credit cards, debit cards, contactless payments, and mobile wallets, which creates a smooth checkout..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7189454) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7129473) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7149291) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7063007) DC Daniel C. Benefits and Compliance Manager > "Efficient payment processor service that accepts a variety of forms of payment including contactless payments and keyed in payments." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7156562) MW Melissa W. Hospital administrator > "Square payments was a letdown because of the huge fees and the lack of compatibility with all of our machinery." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7175955) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7012000) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6620185) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7051836) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7070210) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614) BB Bree B. Administrative Assistant > "Square has been an excellent payment platform for our fishing charter business, especially in seasonal, travel-driven markets like..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7149291) 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) IA Ibrahim A. IT Manager > "There are never any bugs and issues, card and credit card payments work seamlessly with both POS and online purchases." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7177291) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6672614) 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) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6594767) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725) AV Adam V. Business Development > "The invoicing feature is especially useful, allowing us to quickly create and email invoices with direct payment links, which..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#GetApp___6564375) 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-..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6790021) 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) AB Ajah B. Owner CEO > "The setup was straightforward, the app is user-friendly, and I love being able to take payments whether I’m working with clients in..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7162063) 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) 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) UC Urgan C. Associate > "However, I dislike that it has limited payment options compared to other platforms, which can be restrictive for international..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6524006) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6408166) 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) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6805223) 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) 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) 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) JD Jeniffer D. patio covers > "Easy to use, quick setup, reliable payment processing, and a simple interface that made accepting payments and tracking transactions..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7198036) 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) JD Jeniffer D. patio covers > "The dashboard was intuitive, and I appreciated being able to track payments in one place." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7198036) 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) 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) 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..." [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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6529413) 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) 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) 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) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6577725) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7141042) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7067151) 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) 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..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7060147) 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) 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) 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) SF Sarah F. Owner > "The one time I had a issue and it was miner, but the customer support team was so helpful and kind to me and helped me resolve the..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7153527) 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) Heather B. Social media and event planner > "I like it cause you can manually enter card numbers." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7147375) Keith T. Managing Partneer > "Some charges are complicated to anticipate." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7112099) JD Joy D. Tax Preparer > "I am able to accept multiple forms of payment enabling me to get paid quickly!" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7010913) JZ Joannie Z. Nail tech > "I don’t recommend this for starter not registered as a LLC small businesses, since is required have one." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6502818) SS Samantha S. Certified Sleep Practitioner > "I have used a number of payment processing systems since starting my business and Square Payments is definitely the easiest to use." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115317) JH Joe H. Founder > "The COST is a little high, especially if you have a small ticket size." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6779301) Reyna F. Brand Manager > "The setup is simple, the interface is intuitive, and payments process quickly." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7189454) EH Elizabeth H. Receptionist > "You cannot add a discount easily. " [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7041724) 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) VI Vanessa I. Esthetician > "I do not like customer support." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115667) JD Jeniffer D. patio covers > "Easy to use, quick setup, reliable payment processing, and a simple interface that made accepting payments and tracking transactions..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7198036) 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) JD Jeniffer D. patio covers > "The dashboard was intuitive, and I appreciated being able to track payments in one place." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7198036) JS Jeffrey S. Coach > "Some of the internal navigation can be tricky." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___4431943) 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) LB Lisa B. Executive Assistant > "Our biggest complaint has been the lack of customization in online stores." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___3140768) Reyna F. Brand Manager > "The setup is simple, the interface is intuitive, and payments process quickly." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7189454) WM William M. Editor/Producer > "Some of the hardware can be a bit clunky in design." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___2852629) Reyna F. Brand Manager > "Integrates well with other Square products" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7189454) KS Kayla S. Owner/ ceo > "The integration with my current systems was a bit of a headache." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___3469553) SS Samantha S. Certified Sleep Practitioner > "Easy to use and integrate/implement for me and my clients." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115317) JC James C. Vice President > "The QB integration is meh" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___3578563) RB Rachel B. CEO > "Easy to setup and implement with existing system through integration. " [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6862500) VR Verified Reviewer Owner, LCSW > "Not easy to use when in person." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7040731) CT Clint T. President > "It is very dependable and integrated seamlessly into my Big Commerce store." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___4837658) JB Jennifer B. Marketing and sales > "Not really much I don’t like about square everything about it is easy." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7102836) AD Anjalyn D. Accounts Receivable and Collections > "What I like most about Square payments is that it is quick and efficient once you get to know how to navigate through the system." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6620185) DM David M. Owner > "It is not the best program and it was not very easy for me" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6480206) JI Jess I. Owner > "Very easy to use." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7114884) KC Kimberly C. manager > "Confusing for older folks and hard to teach sometimees" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___4806005) ST Starre T. Paralegal > "Very user friendly." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7123994) VI Vanessa I. Esthetician > "I do not like customer support." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7115667) MS Meagan S. Manager > "I like the ease of setting it up, I like the fact that you don’t have to take hours upon hours to set it up, and I like how simple it..." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6530470) CW Cheyenne W. Owner > "If the service is slow it takes longer to process" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6579887) TH Trisha H. Owner > "I often get compliments from customers on how convenient it is for them." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7127593) CR Cameron R. Information Technology > "Wish there was better/more customer support." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6530320) CS Chelsea S. Owner > "Easier for not only me but also all my customers!" [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___7054590) NB Nicole B. Owner > "I've never had an issue with Square where I've felt dissatisfied with the service." [See full review](https://www.capterra.com/p/170278/Square-Payments-Processing/#Capterra___6610820) [View Reviews](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) EK Elizabeth K. Treasurer > "The platform allows our PTA to be more efficient with all sign ups and donations in one place instead of using another website for sign ups." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7009496) MR Meredith R. Volunteer > "It was a little challenging to find the correct links to share via text or on social media." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7125870) EK Elizabeth K. Treasurer > "The visual look of the page is beautiful and clean and I love how we can even have our own webpage with all our open collections in one..." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7009496) CR Cadijah R. Troop Leader > "There isn’t anything that I don’t like about Cheddar Up services it’s more of you having to learn how to use it to the best of your ability..." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7120262) JA Jennifer A. Service Unit Treasurer > "I've never had a problem with them and anytime I've had questions I've been able to call customer service and they've been able to help and..." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7053046) SA Stephanie A. Pack Treasurer > "Unable to see all collections on a single page without paying for the highest level." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___6537467) JT Jason T. President > "Cheddar Up has been a great way for our school, coaches, and booster club to quickly and easily collect team dues, player fees and sell..." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___6876721) AW Alex W. director > "we used a different option for ticket sales last year and it was a mess. " [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___6569578) JA Jennifer A. Service Unit Treasurer > "Being able to add all your information, including flyers, onto the event is wonderful." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7053046) AM Amy M. teacher > "The only issue I had was when I was creating questions in the online form. If I wanted to edit a question, it would not let me simply..." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___4643703) GG Greg G. Owner > "No one had a problem donating, and we used all of the shares including a QR code, texting, and web link." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___6581810) BM Brittany M. Service Unit Manager > "There doesn't seem to be an option for just adding waitlisting." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___6135488) MR Meredith R. Volunteer > "From both an organizational and a participant standpoint, it was quite easy after a little bit of a learning curve." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7125870) PC Priyanka C. MD > "They suddenly stopped our service, we cannot see any of the monies in the account." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___6148439) CR Cadijah R. Troop Leader > "Cheddar Up has overall been an absolute joy of an experience, my troop leaders and myself love to use it and we don’t have any issues with..." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7120262) NS Nancy S. Chairperson / President > "Currently, I can only either send the email or schedule a call (which always has a long wait time, at least several days, which is way too..." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___4647221) HG Hope G. Me > "The way it works makes showcasing my collections and collecting money for multiple streams so easy." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___6752923) EG Ericka G. Treasurer > "My lack of experience gets me lost looking for information but easily find after clicking" [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___6478857) JA Jennifer A. Service Unit Treasurer > "Payments are easy to be make whether with credit card or cash or an e check." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7053046) RM Rochelle M. Founder > "When you first enter into the site, you have to put your name and email sometimes that causes people to not purchase a ticket." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___4565974) CH Carolyn H. Treasurer > "Our club members and donors have been very positive about the interface, and it integrates seamlessly with MoneyMinder." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___6707416) GB Gabriella B. Nurse Practitioner > "It does not always work and sometimes I have to use a web browser." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___5015583) JA Jennifer A. Service Unit Treasurer > "The cost of using cheddar up is minimal and our organization finds it perfect." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7053046) CR Cadijah R. Troop Leader > "There isn’t anything that I don’t like about Cheddar Up services it’s more of you having to learn how to use it to the best of your ability..." [See full review](https://www.capterra.com/p/276323/Cheddar-Up/#Capterra___7120262) [View Reviews](https://www.capterra.com/p/276323/Cheddar-Up/reviews/) ## User interface [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) 4.67 (2,714) [Cheddar Up](https://www.capterra.com/p/276323/Cheddar-Up/) 4.89 (84) ## 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 Accounting Integration 207 Important ACH Payment Processing 150 Important Activity Dashboard 120 Important Square Payments Top features 27/50 - Accounting Integration - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Barcode/Ticket Scanning - Billing & Invoicing - Cash Management - Compliance Management - Contactless NFC - Credit Card Management - Credit Card Processing - CRM - Cryptocurrency Processing - Customer Database - Customizable Branding - Data Import/Export - Data Security - Data Synchronization - Debit/Credit Card Processing - Digital Wallet Integration - Digital Wallet Payments - Discount Management - eCommerce Integration - E-commerce Integration - Electronic Signature - Encryption - Expense Tracking - Fraud Detection - Generative AI - Gift Card Management - In-Person Payments - Invoice Management - Level 3 - Levels 1 & 2 - Loyalty Program - Mobile Access - Mobile Card Reader - Mobile Payments - Multi-Currency - Multi-Location - Multiple Payment Options - Offline Access - Omnichannel - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links [See all features](https://www.capterra.com/p/170278/Square-Payments-Processing/#features) Cheddar Up 17/50 - Accounting Integration - ACH Payment Processing - Activity Dashboard - AI Copilot - Alerts/Notifications - API - Barcode/Ticket Scanning - Billing & Invoicing - Cash Management - Compliance Management - Contactless NFC - Credit Card Management - Credit Card Processing - CRM - Cryptocurrency Processing - Customer Database - Customizable Branding - Data Import/Export - Data Security - Data Synchronization - Debit/Credit Card Processing - Digital Wallet Integration - Digital Wallet Payments - Discount Management - eCommerce Integration - E-commerce Integration - Electronic Signature - Encryption - Expense Tracking - Fraud Detection - Generative AI - Gift Card Management - In-Person Payments - Invoice Management - Level 3 - Levels 1 & 2 - Loyalty Program - Mobile Access - Mobile Card Reader - Mobile Payments - Multi-Currency - Multi-Location - Multiple Payment Options - Offline Access - Omnichannel - Online Payments - Partial Payments - Payment Fraud Prevention - Payment Gateway Integration - Payment Links [See all features](https://www.capterra.com/p/276323/Cheddar-Up/#features) ### Recognition Square Payments is recognized as a top-rated tool in 5 Capterra Shortlist reports Cheddar Up is recognized as a top-rated tool in 3 Capterra Shortlist reports Best Value Payment Processing Software (2026)  Best Value Payment Processing Software (2025)  Best Value Payment Processing Software (2024)  Best Value Payment Processing Software (2023)  ### 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 Cheddar Up 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 Cheddar Up - By Cheddar Up - Located in United States - Founded in ## Popular Comparisons [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,663)](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) [Cheddar Up](https://www.capterra.com/p/276323/Cheddar-Up/)[4.89 (84)](https://www.capterra.com/p/276323/Cheddar-Up/reviews/) vs [PayPal](https://www.capterra.com/p/207944/PayPal/)[4.65 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/) $0/month Price $0.29 4.8 Features 4.6 4.9 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/207944-276323/PayPal-vs-Cheddar-Up) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Venmo](https://www.capterra.com/p/222572/Venmo-/)[4.73 (9,306)](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-) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Stripe](https://www.capterra.com/p/123889/Stripe/)[4.60 (3,383)](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) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](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/)[4.63 (3,037)](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) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Stax](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/)[4.16 (146)](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) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Nomod](https://www.capterra.com/p/176749/Nomod/)[4.81 (363)](https://www.capterra.com/p/176749/Nomod/reviews/) Contact vendor for pricing Price $1one time 4.6 Features 4.7 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 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Google Pay](https://www.capterra.com/p/212826/Google-Pay/)[4.59 (926)](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) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [Genius](https://www.capterra.com/p/195074/Genius/)[4.45 (211)](https://www.capterra.com/p/195074/Genius/reviews/) Contact vendor for pricing Price $89/month 4.6 Features 4.4 4.7 Ease of Use 4.6 [View full comparison](https://www.capterra.com/compare/170278-195074/Square-Payments-Processing-vs-Genius) [Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,714)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/) vs [WeTravel](https://www.capterra.com/p/163474/WeTravel/)[4.76 (528)](https://www.capterra.com/p/163474/WeTravel/reviews/) Contact vendor for pricing Price $79/month 4.6 Features 4.6 4.7 Ease of Use 4.7 [View full comparison](https://www.capterra.com/compare/163474-170278/WeTravel-vs-Square-Payments-Processing)