# QuickBooks Online vs Square Point of Sale: Features and Cost Comparison 2026 | Capterra > QuickBooks Online vs Square Point of Sale: Which payment processing tool is right for you? Dive into our detailed comparison of their features, costs, and user experience to make your decision. Source: https://www.capterra.com/compare/190778-275802/QuickBooks-Online-vs-Square-Point-of-Sale --- # QuickBooks Online vs Square Point of Sale Features and Cost Comparison Last updated June 3rd, 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: QuickBooks OnlineSquare Point of Sale2/4 selected [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.3 (8475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) [Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.6 (3032)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) [## QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/)[4.3 (8475)](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) [## Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.6 (3032)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) Starting Price $38.00/month Starting Price $38.00/month Value-for-Money 4.2 Functionality 4.3 Ease of Use 4.2 Customer Service 4 Starting Price Contact vendor Starting Price Contact vendor for pricing Value-for-Money 4.5 Functionality 4.5 Ease of Use 4.7 Customer Service 4.3 Reviews Sentiment Based on [8,475 reviews](https://www.capterra.com/p/190778/QuickBooks-Online/reviews/) Positive 7,297 Neutral 714 Negative 464 Positive 7,297 Neutral 714 Negative 464 Reviews Sentiment Based on [3,032 reviews](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/) Positive 2,839 Neutral 128 Negative 65 Positive 2,839 Neutral 128 Negative 65 Best for (according to reviews) - **Business size**: Small businesses account for 79% of reviews (6492), reflecting high usage rates among this segment. - **Industry**: Accounting, construction, and retail industries together represent 23% of reviews, indicating diverse adoption across these sectors. - **Use cases**: Accounting (55%), billing and invoicing (37%), and payroll (22%) are the main functions, highlighting financial management as a core application. Best for (according to reviews) - **Business size**: Small businesses account for 2,480 reviews, representing 82% of feedback, showing widespread use among smaller organizations. - **Industry**: Retail, health & wellness, and food & beverages collectively contribute 26% of reviews, indicating broad adoption across these sectors. - **Use cases**: Payment processing (67%), point of sale (39%), and small business POS (25%) highlight core functionalities for transaction management and sales operations. ## Not a match? Find software alternatives tailored to your priorities. 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Reviewers value its integration with payment processing and the ability to track invoice history for compliance and analysis, though they mention high subscription costs and occasional integration issues. Square Point of Sale Square Point of Sale users consider it ideal for businesses prioritizing simple, efficient payment processing and straightforward invoicing, citing its ease of use, mobile payment flexibility, and affordable, transparent pricing. Reviewers highlight its effective sales management and organizational features, though they note transaction fees and occasional hardware issues as drawbacks. ## 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 comparison Choosing a billing and invoicing solution like QuickBooks Online or Square Point of Sale involves more than just comparing prices. Evaluating the features and capabilities of each option is key to finding the right fit. Selecting a solution that integrates well with your needs can improve efficiency and prevent spending on features you don't require. Here's how these two options measure up in key areas. \[[1](#source-item-1)\] Key features rated by users Features selected based on 51,315 reviews from Payment Processing users. about the Fit Score methodology. Fit Score methodology To calculate the Fit Score, our proprietary methodology factors in the following: - The importance level for each feature. By default, this is determined by user reviews. They can rate a feature Critical, High, Low, or Not Used. - Feedback from real users on how the product performs for each key feature, derived from verified user reviews and ratings. Please note: - To calculate the Fit Score, the number of reviews for those features and the actual rating carry the same weight. You might see that, in some cases, even though the ratings are the same, we still determine a winner because it had more reviews. - 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. QuickBooks Online 90%Fit Feature ratings Invoice Creation 4.5 Invoice History 4.5 Online Invoicing 4.5 Payment Processing 4.3 Square Point of Sale 88%Fit High performer Feature ratings Invoice Creation 4.6 Invoice History 4.5 Online Invoicing 4.6 Payment Processing 4.7 Invoice Creation 4.5 (765) 4.6 (245) QuickBooks Online users appreciate the intuitive and flexible invoice creation process, highlighting the ability to customize layouts, add logos, and personalize messaging. They value the automation, integration, and tracking features, although some users wish for more customization options and report issues with recent updates. Square Point of Sale users find the invoice creation feature straightforward and efficient, appreciating the ability to customize amounts, units, and notes. They also value the ease of sending invoices via email or text and the integration with other software. Overall, QuickBooks Online users value the customization and automation, while Square Point of Sale users appreciate the simplicity and integration. Invoice History 4.5 (404) 4.5 (183) QuickBooks Online users find the invoice history feature crucial for tracking past transactions, supporting financial analysis, and ensuring compliance. They appreciate the ability to quickly access past invoices, which they say aids in customer service and auditing. Some users mention issues with the interface and integration with other software. Square Point of Sale users also value the invoice history feature for tracking past orders and payments, resolving discrepancies, and managing customer relationships. They note that it helps them in organizing data and reducing man-hours. In general, users of both platforms find the invoice history feature essential for tracking and managing past transactions, with QuickBooks Online users highlighting compliance and Square Point of Sale users emphasizing organization. Online Invoicing 4.5 (709) 4.6 (220) QuickBooks Online users appreciate the online invoicing feature for its ability to speed up payment processing, improve cash flow, and reduce administrative overhead. They value the ease of creating and sending invoices, although some users mention issues with customization and integration with third-party systems. Square Point of Sale users find online invoicing convenient and efficient, noting that it simplifies billing and payment processes. They appreciate the ability to send invoices directly to customers and track payments. Overall, QuickBooks Online users highlight the impact on cash flow and administrative efficiency, while Square Point of Sale users emphasize convenience and ease of use. Payment Processing 4.3 (556) 4.7 (909) QuickBooks Online users appreciate the convenience and reliability of the payment processing feature, noting its integration with invoices and various payment options. However, some users mention high fees and issues with processing speed. Square Point of Sale users value the flexibility and efficiency of payment processing, highlighting the ability to accept payments anywhere and the quick transaction process. They appreciate the tap-to-pay option and the competitive rates, although some users report issues with online payments and processing delays. In summary, QuickBooks Online users value the integration and reliability, while Square Point of Sale users appreciate the flexibility and quick transactions. ## Pricing comparison ### Starting prices QuickBooks Online $38.00 Flat Rate (Per Month) Free Trial Free Version [View pricing plans](https://www.capterra.com/p/190778/QuickBooks-Online/pricing/) Square Point of Sale $0.00 Other (Per Month) Free Trial Free Version [View pricing plans](https://www.capterra.com/p/275802/Square-Point-of-Sale/pricing/) ### Value-for-money analysis 4.2 (8475) 4.5 (3032) An exploration of what reviewers say about both QuickBooks Online's and Square Point of Sale's value for money finds that QuickBooks Online reviewers see it as a comprehensive and feature-rich accounting solution, while Square Point of Sale reviewers comment on its affordability and transparent pricing. Reviewers find QuickBooks Online to be a valuable tool for small businesses, noting its extensive features for accounting, invoicing, and cost tracking. They appreciate its user-friendly interface and real-time data accessibility, which they say helps in managing finances efficiently. However, some users mention that the subscription costs can be high, especially for small businesses, and that additional fees for extra features can add up quickly. Meanwhile, Square Point of Sale reviewers appreciate its cost-effectiveness and straightforward pricing. They value the affordability of the hardware and the lack of hidden fees, which they say makes it a good option for small businesses. Users also highlight the availability of a free version and the ability to upgrade as needed. However, some users feel that the processing fees can be high, and additional costs for premium features can be a drawback for smaller businesses. ## How does the user experience compare on QuickBooks Online vs Square Point of Sale? ### Overall rating 4.3 (8475) 4.6 (3032) ### User interface QuickBooks Online Square Point of Sale ### Customer service and support QuickBooks Online Email/Help Desk FAQs/Forum Knowledge Base Phone Support 24/7 (Live rep) Chat Square Point of Sale Email/Help Desk FAQs/Forum Knowledge Base Phone Support 24/7 (Live rep) Chat ## What users say about the pros and cons of QuickBooks Online vs Square Point of Sale QuickBooks Online and Square Point of Sale are two options for billing and invoicing software users to meet their business needs. Both products have been reviewed on Capterra. Check out what real users say about QuickBooks Online vs Square Point of Sale to find the best fit for you. Users appreciate QuickBooks Online for its robust accounting software, noting its ability to manage finances, automate tasks, and facilitate remote collaboration. They also value its invoicing features, which streamline billing and reduce errors. Additionally, reviewers find it particularly beneficial for small businesses, citing its user-friendly interface and comprehensive financial management tools. When it comes to Square Point of Sale, users highlight its versatile payment processing capabilities, including support for various payment methods and mobile transactions. They also praise its sales management features, which simplify reporting and customization, and its efficient handling of card payments, making it ideal for small businesses. As for the cons, QuickBooks Online users mention issues with reporting, noting that it can be difficult to customize and sometimes slow to load. They also find the pricing to be high and the bank integration unreliable. Meanwhile, Square Point of Sale users express concerns about transaction fees, which they say can add up quickly. They also report issues with customer support and occasional malfunctions with the card reader. \[[2](#source-item-2)\] Pros QuickBooks Online JB Jillean B ManagerRetail, 2 - 10 employeesUsed the software for: More than 2 years. “This feature allows me to provide prompt and effective support to my employees, ensuring they receive the assistance they need, regardless of their location or my own, which significantly enhances our overall efficiency and productivity.“ May 19, 2026 KUMAR H Account executiveInformation Technology and Services, 201 - 500 employeesUsed the software for: More than 2 years. “I mainly used it for managing basic accounting task, reporting , aging report, Ar report invoices tracking, it help me to stay organised and reduce my manual working.“ March 20, 2026 Square Point of Sale Mack B Digital coordinatorEntertainment, Self-employedUsed the software for: 1-2 years. “As part of the Square suite of apps and services, I liked that Point of Sale provided a digital platform and the means for me to pay using my cards or digital wallets, removing the need for paper or extra hassle at the cashier.“ March 18, 2026 Mack B Digital coordinatorEntertainment, Self-employedUsed the software for: 1-2 years. “Overall, Point of Sale has been a great way for me to pay quickly, conveniently, and interactively up front using a multitude of digital processes. While it removes some of the human element, I feel that it's become a more convenient purchase system.“ March 18, 2026 Cons QuickBooks Online JF Julie F Office manager - payroll coordinatorConstruction, 11 - 50 employeesUsed the software for: 6-12 months. “has sent his ID three separate times, bank statement, federal id info, phone bills, letters from our bank, to "verify" and they told us it was all good and then lock us out of payroll so now we have to pay all of our employees by paper check which is not how we are set up.“ June 3, 2026 JB Jillean B ManagerRetail, 2 - 10 employeesUsed the software for: More than 2 years. “This deficiency directly contributes to inaccuracies in inventory records, increasing the risk of stockouts, and complicating efforts to effectively optimize sales strategies and forecast future demand, ultimately impacting overall business profitability and operational smoothness.“ May 19, 2026 Square Point of Sale AB Anna B KinesiologistHealth, Wellness and Fitness, Self-employedUsed the software for: 6-12 months. “They take a big cut from the sales which is an inconvinence and the additional costs of buying the square for physical tap also adds cost.“ May 19, 2026 KH Kasi H Front Desk ManagerHospitality, 51 - 200 employeesUsed the software for: Less than 6 months. “Maybe for a small hotel or business it would be affordable able. But for our property and the amount of online and phone reservations that we take the transaction fees really rack up. And the customer service is the worst I have ever dealt with“ October 15, 2025 * * * Sources 1. Our research team identified features from vendor websites based on their analysis of what users find valuable or expect from payment processing software. This list is not exhaustive. For additional features, refer to the vendor’s website. 2. Review excerpts are passages extracted from longer reviews written by verified reviewers. We obtain these excerpts by applying an algorithm that considers factors including, but not limited to, length, topic coverage, and thematic relevance. Excerpts are evaluated for positive or negative sentiment and receive a sentiment score. They represent user opinion and do not represent the views of, nor constitute, an endorsement by Capterra or its affiliates. Excerpts are not edited for clarity or grammar. * * * Need Help Deciding Between QuickBooks Online and Square Point of Sale? Talk to a Capterra advisor for free and get results within 15 minutes. 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