# Compare Online Check Writer vs Square Point of Sale 2026 | Capterra

> Unsure of what to choose? Check Capterra to compare Online Check Writer and Square Point of Sale based on pricing, features, product details, and verified reviews.

Source: https://www.capterra.com/compare/237205-275802/Online-Check-Writer-vs-Square-Point-of-Sale

---

# Online Check Writer vs Square Point of Sale Features and Cost Comparison

Last updated March 15th, 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:

Online Check WriterSquare Point of Sale2/4 selected

[Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.5 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.6 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

[## Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.5 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

Starting Price

$30.00/month

Value-for-Money

4.4

Functionality

4.5

Ease of Use

4.4

Customer Service

4.4

Reviews Sentiment

Based on [255 reviews](#user-reviews)

Positive

233

Neutral

11

Negative

11

[## Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.6 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

Starting Price

Contact vendor

Value-for-Money

4.5

Functionality

4.5

Ease of Use

4.7

Customer Service

4.4

Reviews Sentiment

Based on [3,030 reviews](#user-reviews)

Positive

2,838

Neutral

128

Negative

64

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## Summary

* * *

Key features rated by users

Features selected based on 23,179 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

60%Fit

Missing features

Not enough reviews

Feature ratings

Data Security

4.2

Online Payments

\--

Payment Fraud Prevention

NA

Debit/Credit Card Processing

3.7

Expense Tracking

4.5

\--%Fit

Missing features

Feature ratings

Data Security

4.7

Online Payments

4.6

Payment Fraud Prevention

NA

Debit/Credit Card Processing

NA

Expense Tracking

NA

User satisfaction

User satisfaction

4.5

User reviews[255](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

Ease of use

4.4

Functionality

4.5

Value for money

4.4

Customer support

4.4

User satisfaction

4.6

User reviews[3,030](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

Ease of use

4.7

Functionality

4.5

Value for money

4.5

Customer support

4.4

Price starts from

Price starts from

$30Flat Rate, Per Month

-   Free version
-   Free trial

Price starts from

\--

-   Free version
-   Free trial

Best for

Best for

Online Check Writer is used by government agencies, utilities, medical practices, legal services, hospitals, schools, call centers, insurers, transit operators, nonprofits, and retailers.

Best for

Square Point of Sale (POS) is used by several small and large businesses every day, including businesses such as retailers, bakeries, delis, and hairdressers.

## User reviews

Pros & cons

MM

Marisela M.

senior business executive

> "how easy it is to make payroll checks and send it since I work from home. and sending in the mail takes couple days"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7017604)

MM

Marisela M.

senior business executive

> "My ID was stolen so I have to wait 2 weeks to get a new one"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7017604)

ZZ

Zakir Z.

Owner

> "It has helped me save time and focus more on growing my digital marketing business."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7017920)

MM

Marisela M.

senior business executive

> "Again like I stated I just don't like that I cant send ACH instead of emailing checks."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7017604)

JC

Joan C.

Operations Manager

> "From the start, being able to edit and personalize checks is a great feature."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___6764997)

MC

Mike C.

CEO

> "This caused and is still causing a huge problem which in turn caused us to be late on filing our 1099s."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___6162958)

CM

Christopher M.

pro se

> "This was extremely easy to use It did not take very long to figure out and was very straightforward You didn't have to..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7003052)

JR

James R.

Owner

> "Again, the funds were not deposited and sat in the vendor's newly created wallet within Online Checkwriter (the vendor..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3729323)

ZZ

Zakir Z.

Owner

> "The payment process is smooth, secure, and reliable."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7017920)

JR

James R.

Owner

> "Online Checkwriter is very inconsistent with their processes and their phone agents are extremely rude. When it comes to..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3729323)

JC

Joan C.

Operations Manager

> "The cost is also very affordable considering other services charge hundreds of dollars for the same end product."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___6764997)

CF

Cody F.

Owner

> "The reporting function has information from when the account was being tested, and the transition to a paid account was..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3707965)

JW

Jun W.

CEO

> "I really like how easy it is to create and print checks."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7011332)

LM

Lynn M.

Accountant

> "I've asked for the zil account and accompanying wallet to be removed because we are a nonprofit, only the board can make..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701736)

BK

Bridgette K.

owner

> "This service is affordable and worth the time and money."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___7018119)

DM

David M.

Owner

> "The problem wasn't on my end (after trying multiple browsers, multiple laptops and different users, yet still had the..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4235764)

VR

Verified Reviewer

board Member

> "I love that checks can be emailed"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___6670599)

NW

Nicholas W.

Writer

> "I tried having the service mail out a check instead of printing and mailing it myself, and the check was never processed."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697324)

TK

Tonchui K.

Owner

> "I definitely love the all in one package, you can bill your clients, pay your vendors, make payment internationally..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4453350)

JK

Joel K.

Freelance SEO and Web Content Writer

> "The only con about Online Check Writer is its complexity which makes it difficult to understand or deploy, especially for..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4067917)

Matthew M.

Principal

> "OCW has continued to develop and improve the check printing features, placing them first-in-class for check printing,..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3743541)

ML

Mendel L.

President

> "Every time i was charged for something not previously disclosed, they would tell me the feature was just a trial and now..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3698274)

WM

William M.

Software Engineer

> "It also keeps a digital record of my payments without any extra work. When payment systems are slow to move over to..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701048)

LM

Lynn M.

Accountant

> "The user interface changed without warning a few months ago from something that was really easy to use to something that..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701736)

CC

Cody C.

Owner

> "I conduct a lot of real estate notary closings and the ability to mail multiple checks to an address is veyr helpful to..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4478745)

MB

Michael B.

Accountant

> "I paid a deposit toward user fees for features I'll never use that they don't tell you about until checkout (aka hidden..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697506)

JE

Joseph E.

CEO

> "The Online Check Writer software allows us to save time in the issuance of payments to our vendors."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3702187)

VR

Verified Reviewer

Supervisor

> "customer service is little poor."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4988122)

CB

Carolyn B.

Ceo

> "I think the app is very detailed and easy to use"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___6763073)

TF

Tracy F.

Accounting

> "I turned on the two factor authentication because I was concerned that my email and online checkwriter account had been..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701239)

JK

Joel K.

Freelance SEO and Web Content Writer

> "Besides, this software provides seamless ACH payment processing services, e-checks, and wire."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4067917)

SS

Sarina S.

Owner

> "My checks were returned because Online Check Writer failed to attach the uploaded PDF."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697676)

DM

Dustyn M.

Owner

> "The ability to sync with QBO and add multiple bank accounts or clients makes using this software amazing."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4464475)

JD

Jason D.

owner

> "The inability for my to accept payments via ACH into my account"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697819)

CV

Courtney V.

Solution Strategist

> "I am able to set up several different accounts, process and print checks for my clients and myself with ease."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697197)

JC

John C.

ceo

> "Hello , i have registered with this site and after giving them my confidential information about me and my bank account ,..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3182478)

CT

Chad T.

Member

> "OnlineCheckWriter.com allows me to send payments to my staff with the click of a button."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3698176)

DM

David M.

Owner

> "Customer service was awful and inflexible when trying to address multiple concerns within a very short timeframe."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4235764)

JR

James R.

Owner

> "I like the fact that this software is available online and that it gives me the capability of paying my vendors via ACH..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3729323)

CF

Cody F.

Owner

> "The information in its knowledge base does not match the program's, causing confusion."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3707965)

JG

James G.

Controller

> "It gets the job done for that although I know there are other useful features available."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___5098023)

MA

Mark A.

Operations Manager

> "So many features, it seems as if they were just added in without much thought to an interface not intended to contain so..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3699070)

HP

Hector P.

Owner

> "It has helped me to manage expenses, vendors and payroll all in one system."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4464664)

NT

Noe T.

Broker

> "It has become a bit pricy now as a stand alone check printing software."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4712361)

TL

Tal L.

Owner

> "I enjoy the fluidity of my businesses billing and expense tracking."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3696325)

Rabbi Rafi D.

Rabbi

> "Crashes many times, some options are limited, a little too expensive"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3696319)

TB

Tony B.

President

> "It makes it very easy to write and print checks using my own printer, and the checks are very professional. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3745078)

JJ

Johnathan J.

Owner

> "Not long after that, the plans were changed and now I am being charged per check printed. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3744910)

WM

William M.

Software Engineer

> "It's so much faster when I receive a bill to put the information into this service than it would be to write things out..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701048)

MR

Matthew R.

Owner

> "Sometimes some pages don't load, and it takes forever to load."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4440119)

DE

Doniceth E.

Director

> "Overall, if you are using this service to write paper check, or email electronic checks it's amazing. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701039)

LM

Lynn M.

Accountant

> "We're probably going to switch back to our payroll system for ACH, because it's too confusing the way"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701736)

Matthew M.

Principal

> "OCW is a true contender in a banking and accounting all-in-one solution for small businesses."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3743541)

EH

Elizabeth H.

Office Manager / Paralegal

> "Now it defaults back to the check list page, which is really inconvenient."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3720148)

TH

Tammie H.

Owner

> "I like the ability to be able to send payments from any device quickly. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701203)

JD

Jason D.

owner

> "They recently changed the pricing without warning and it is much more expensive to accept and receive any payments. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3697819)

ML

Matt L.

Broker/Owner

> "Overall I'm pretty happy... had an issue with mailing checks out, some clients can't figure out how to print the..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3700369)

JF

John F.

Director of Finance

> "Customer support is limited, price hike has me looking into other options"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3729039)

JM

Jean M.

CEO

> "This system works very well, we issued several checks and were cashed by recipients without any issue."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3731051)

CL

Courtney L.

Owner

> "It is frustrating that they have the options available, but when I go to use them they are still unavailable."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3737187)

DE

Doniceth E.

Director

> "If you are using this for the purpose of tracking and writing checks it's great. "

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701039)

LM

Lynn M.

Accountant

> "It's so frustrating, they even send us monthly zil statements."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701736)

BT

Brian T.

Owner

> "I started using the product simply for check printing, which it does very well."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3741235)

IG

Ivana G.

Director

> "Sometimes when I want to visit website is overloading"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3790597)

AK

Ashwin K.

Developer

> "It is easily accessible."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4902448)

JE

Joseph E.

CEO

> "The only con with the software is the cost of service."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3702187)

Danylo K.

Marketing specialist

> "I like the interface."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4998255)

JG

Jon G.

Sales

> "Check register does not work."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3720144)

AR

Armando R.

Owner

> "The monthly and annual plans are both very well competitively priced vs other name brand software."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3721339)

RA

Rahul A.

Senior Consultant

> "Their customer service can be a bit frustrating. Once you get to the right person, they handle things quickly!"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3720129)

RG

Ron G.

Managing Member

> "Im able to easily send checks to vendors right to the email."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3700696)

SR

Sandra R.

student

> "There is minimal customer service and no follow-up."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3844430)

LD

Lauren D.

Programs Administrator

> "Customer support is helpful and easily available but usually needed after the fact(changes are made and not communicated..."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3721109)

EH

Edward H.

Owner

> "Direct deposit isn't what it sounds like either."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4453650)

WM

William M.

Software Engineer

> "This service saves me a lot of time and energy by keeping things digital."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3701048)

TL

Tal L.

Owner

> "I have never been able to use my debit card and I mean never."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3696325)

NF

Nacirema F.

Registered nurse

> "I enjoy the software and it would be perfect if the approval process for ach features were more Lenient"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4443278)

RS

Rondell S.

Owner

> "The price Keith be to ouch at times and hard to pay for but there changing that up"

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___4402521)

EJ

Erik J.

N/A

> "I like that I can click to write checks and mail them."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3720405)

VR

Verified Reviewer

Arvin's Photography

> "I don't like about this software are sometimes the server will go down, as a result, the webpage will load properly."

[See full review](https://www.capterra.com/p/237205/Online-Check-Writer/#Capterra___3462831)

[View Reviews](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

VR

Verified Reviewer

Digital coordinator

> "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..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7114985)

John D.

President

> "All that is left to me now is to share my horror story as far and wide as possible to warn other small businesses about this..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7061021)

VR

Verified Reviewer

Digital coordinator

> "Overall, Point of Sale has been a great way for me to pay quickly, conveniently, and interactively up front using a multitude of..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7114985)

KH

Kasi H.

Front Desk Manager

> "Maybe for a small hotel or business it would be affordable able. But for our property and the amount of online and phone..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7027292)

JW

Jenny W.

Management

> "As a small, locally owned furniture refinishing business, Square Point of Sale provides everything we needed to keep track of..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6847019)

SB

Sydney B.

General Manager

> "Consistent issues with QR code ordering / receiving payment, consistent issues with adding things to online website."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6853050)

JD

Jesus D.

Owner

> "The app is simple, the card reader works smoothly, and it makes the whole checkout process super convenient for both us and our..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6814866)

VR

Verified Reviewer

Owner

> "Every interaction felt like dealing with support reps who had little understanding of Canadian business practices or the issues I..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7057889)

John D.

President

> "I liked the simplicity of using it, although Square charges the same fee for debit cards as for credit cards and is a point..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7061021)

AP

Angela P.

Director

> "I think the back end can be a little challenging at times. When you are making an item with different sizes, it can be confusing..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7014335)

Michael Z.

Owner

> "Square Point of Sale is a reliable and practical tool for handling payments in a music and content creation business."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7137327)

VR

Verified Reviewer

Owner

> "Instead of helping, they read off scripts, dismissed my concerns, and closed inquiries without proper resolution."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7057889)

KP

Krista P.

CFO

> "It works for our business model because we are one company with 8 subsidiaries, and it's nice to just be able to log in once and..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6855273)

Nathan H.

Owner

> "Many customers don’t want receipts or want emailed receipts."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7123719)

SR

Stephen R.

Owner

> "I can write up an invoice in minutes with my saved items and I can collect a deposit in seconds with tap to pay or via emailing..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6558445)

John D.

President

> "They will not refund processing fees for mistaken charges (see below)."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7061021)

LS

Laura S.

Licensed Massage Therapist

> "Square Point of Sale is invaluable for my massage therapy practice, as it allows me to take credit card payments from clients,..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6413846)

Absana P.

Tier III Technician

> "The Bluetooth reader was hard to pair at first as well."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7066738)

Absana P.

Tier III Technician

> "Furthermore, you can link straight to a bank account to receive deposit, and fees were minimal per transaction."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7066738)

AK

Ashley K.

Co-Owner

> "The fees are slightly high for the lack of customization you can do."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6867594)

AM

Anna M.

Owner, designer, webdeveloper

> "It’s great and gives my customers so many payment options including Clearpay and that means so much for me as a small business."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6884428)

John D.

President

> "My efforts to get a reversal of the fees assessed fell on deaf ears."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7061021)

MG

Milagros G.

Beauty salon owner

> "I appreciate how intuitive the interface is—for both staff and customers—which helps keep the checkout process quick and..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6818627)

HL

Hyeong L.

Chiropractor

> "The web version is difficult to navigate through."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7077179)

DB

Danielle B.

CFO

> "I like the ability to take payments anywhere at any time when our sports team needs it. "

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6828193)

LS

Laura S.

Licensed Massage Therapist

> "I haven't really had any problems with it, except one time I had to reload it after not using it for a period of time, and I..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6413846)

CP

Chantel P.

Registered Massage Therapist, Owner

> "I love that I'm able to store cards on file with square and simply charge and email receipts within seconds."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6353466)

SK

Shawnalee K.

Sales Person

> "The transaction fees add up over time, and there are very limited customizable options."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6754090)

AS

ALFREDO S.

LEAD

> "They have great customer service, with great solutions when it comes to solving a problem or refunds."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7123314)

CC

Chermaine C.

Business owner

> "Customer service is terrible, its almost impossible to get someone on the phone and they shut your account down with no warning..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6804031)

Michael Z.

Owner

> "The system is easy to use and provides enough basic reporting to stay on top of income."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7137327)

DB

Danielle B.

CFO

> "Having to wait to have the money moved to out account is not always feasible."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6828193)

VR

Verified Reviewer

Owner

> "It’s easy to set up, affordable, and allows me to accept multiple payment types."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7129476)

Katie M.

Owner, Manager

> "A few small bugs with set up and processing."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7022178)

RP

Ryan P.

Graphic Designer

> "Overall, I like it's simple utility and how you can use it with mobile."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7099531)

KE

Kaylyne E.

Training and Employee Development

> "The POS was very basic and didn't allow us to have as many options and integrations as we needed."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6729071)

SK

Signe K.

Therapist

> "I have been able to provide excellent sales processing for clients even though i do remote events and markets."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6760274)

LL

Leah L.

Manager on Duty

> "The only downside is the fees can add up, and dealing with account holds has been a bit annoying at times."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6670067)

AH

Autumn H.

Owner

> "I like that I can customize my items and organize them by category on the main screen."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6585131)

KR

Kristy R.

Owner

> "Slightly more expensive than some competitors."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7134706)

JW

Jenny W.

Management

> "We are able to send customer receipts via text. "

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6847019)

Jesse Z.

Software Engineer

> "The terminals are a bit pricey for businesses to buy."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6879665)

VR

Verified Reviewer

Owner

> "Even though the fees are a downside, the convenience and tools it offers make it worth it."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7129476)

KK

Kennedy K.

Four Oaks Farm Staff Assistant

> "Sometimes the app would glitch causing me to lose the progress made in my sale ."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6677178)

Emma C.

Aesthetician

> "It's a must have for a business and square makes that possible."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7092403)

SD

Sienna D.

Massage Therapist

> "For the small square reader, I can’t turn it off without it fully disconnecting from the phone."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6675018)

Abbey W.

owner, founder

> "Square is simple to use for invoicing and payment processing."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7084561)

Erika B.

Licensed Massage Therapist

> "Seems like there is an additional cost or fee for just about every feature and transaction!"

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6858280)

BW

Brent W.

Financial Controller

> "Funds deposit the next day and the app is reliable."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7115408)

IL

Ilana L.

Artistic Director

> "It is dependent on a plug-in device. If this were to get lost or damaged, I can imagine that would be a problem."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6501051)

KP

Krista P.

CFO

> "Out of all of the SAAS services my company uses, Square is the one that never goes down, and is always accurate. "

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6855273)

NA

Natalie A.

Assistant

> "The square device itself was always breaking and not reading the credit card correctly."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6698931)

AH

Autumn H.

Owner

> "I also like that it shows my inventory amounts and alerts me when we are low."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6585131)

PJ

Paul J.

eCommerce & IT Manager

> "That would be the time Square, with zero notice, pulled the plug on our store and website as a credit card processor, leaving us..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___5091857)

AN

Alisa N.

Owner

> "I like the fact that we're offers marketing and gift cards I also love the fact that you can integrate your current back office..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___4840070)

RV

Robert V.

Manager

> "I don't like that they charge a different rate if I insert the card details directly"

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6606699)

HU

Heather U.

Director

> "Square provides us an opportunity to process payments that are paid through credit cards or debit cards when individuals do not..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___5097584)

KP

Katelynn P.

Agent

> "I personally think it is a little overpriced for my liking."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7002004)

AP

Aria P.

Manager

> "Our clients love the iPad set up the most as it allows for collecting tips and giving the option of e-receipt or print to their..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6263929)

WJ

Will J.

Director

> "Positive as a user, but ultimately I stopped using it because of the issues I was having with integration."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6871638)

IC

Ismael C.

Staffing manager

> "I love that you can tap a payment card on a terminal to bring up all previous transactions."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6594806)

BM

Breanna M.

Director of Procurement

> "We have had to switch to "off line" mode which also wasnt working."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6433327)

DA

Devon A.

Owner

> "Easy to use onsite and as well as in the office for reconciling. "

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7074891)

VK

Vladislav K.

Owner

> "They simply block buyers’ payments and say that they stole these cards, but the buyers are my regular customers, they bought from..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6202338)

CM

Cheyenne M.

None

> "I like the ease of the application all together being able to sale products and buy product was made easier with square point of..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6415943)

NA

Natalie A.

Assistant

> "I feel like the percentage of sales it takes is a little much, especially for the simplicity of it."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6698931)

Stephanie E.

Secretary

> "The template for sending email campaigns is helpful."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7035477)

VR

Verified Reviewer

Owner and Artist

> "Sometimes the POS is delayed when there is not a good connection."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6581814)

CM

Casandra M.

Administrative support specialist

> "I love that you can create schedule recurring invoices and you can also have cards saved on file for automatic charges to people..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6079096)

KN

Kendrick N.

CEO

> "you cant use your own debit card to pay for your own meals, counts as self funding, which will terminate your account."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6016545)

DJ

Don J.

Sr. Director of IT

> "From setup to daily use, navigating through its features is pretty straightforward, which is great for both new users and those..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6351140)

HL

Hyeong L.

Chiropractor

> "The app is not super user friendly."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7077179)

AM

Anna M.

Owner, designer, webdeveloper

> "I believe that since I am offering many payment options, my customers are more keen to buy."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6884428)

RA

RODERICK A.

Vice President

> "Customer service is slow and the processing fees are high"

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6732088)

KK

Kennedy K.

Four Oaks Farm Staff Assistant

> "I like being able to customize everything for sale easily and the organization factor of it."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6677178)

RM

Robert M.

Hvac tech

> "Having to constantly log back in, app would freeze intermittenly"

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6674808)

AZ

‪Abanoub Z.

sales

> "I was able to get it up and running in just a few minutes, and I can accept payments from credit and debit cards, cash, and bank..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___4973593)

CC

Chermaine C.

Business owner

> "Point of sale easy to use, but square closes your account down for no reason and do not give you the opportunity to appeal their..."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6804031)

VR

Verified Reviewer

Owner

> "Has a lot of features quality product easy customer service"

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___7131012)

RW

Robert W.

Owner

> "It's not tailored more towards the construction industry like I was looking for. But thats my fault not theirs."

[See full review](https://www.capterra.com/p/275802/Square-Point-of-Sale/#Capterra___6651328)

[View Reviews](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

## User interface

4.52 (255)

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)

4.64 (3,030)

## 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

Online Check Writer

14/37

-   ACH Payment Processing
-   Activity Dashboard
-   AI Copilot
-   Alerts/Notifications
-   API
-   Billing & Invoicing
-   Cryptocurrency Processing
-   Customizable Branding
-   Data Import/Export
-   Data Security
-   Debit/Credit Card Processing
-   Digital Wallet Payments
-   eCommerce Integration
-   Electronic Signature
-   Expense Tracking
-   Generative AI
-   In-Person Payments
-   Loyalty Program
-   Mobile Payments
-   Multi-Currency
-   Multiple Payment Options
-   Online Payments
-   Partial Payments
-   Payment Fraud Prevention
-   Payment Gateway Integration
-   Payment Links
-   Payment Reconciliation
-   PCI Compliance
-   Point of Sale (POS) Integration
-   Real-Time Data
-   Receipt Management
-   Recurring/Subscription Billing
-   Reporting/Analytics
-   Search/Filter
-   Self Service Portal
-   Status Tracking
-   Transaction Monitoring

[See all features](https://www.capterra.com/p/237205/Online-Check-Writer/#features)

Square Point of Sale

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/275802/Square-Point-of-Sale/#features)

### Recognition

Online Check Writer is recognized as a top-rated tool in 3 Capterra Shortlist reports

Best Value Accounts PayableSoftware (2023) 

Square Point of Sale is recognized as a top-rated tool in 2 Capterra Shortlist reports

### Deployment & support

Online Check Writer

Deployment

-   Cloud, SaaS, Web-Based
-   Desktop Mac
-   Desktop Windows
-   Desktop Linux
-   On-Premise Windows
-   On-Premise Linux
-   Desktop Chromebook
-   Mobile Android
-   Mobile iPhone
-   Mobile iPad

Support

-   Email/Help Desk
-   FAQs/Forum
-   Knowledge Base
-   Phone Support
-   24/7 (Live rep)
-   Chat

Training

-   In Person
-   Live Online
-   Webinars
-   Documentation
-   Videos

Square Point of Sale

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

Online Check Writer

-   By Zil.US
-   Located in United States
-   Founded in 2008

Square Point of Sale

-   By Square
-   Located in United States
-   Founded in 2009

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[Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.52 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

vs

[Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/)[4.67 (2,686)](https://www.capterra.com/p/170278/Square-Payments-Processing/reviews/)

$30/month

Price

Contact vendor for pricing

4.5

Features

4.6

4.4

Ease of Use

4.7

[View full comparison](https://www.capterra.com/compare/170278-237205/Square-Payments-Processing-vs-Online-Check-Writer)

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

vs

[Gofrugal](https://www.capterra.com/p/71693/GoFrugal-POS-Software/)[4.41 (198)](https://www.capterra.com/p/71693/GoFrugal-POS-Software/reviews/)

$0/month

Price

$7/month

4.5

Features

4.4

4.7

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/71693-275802/GoFrugal-POS-Software-vs-Square-Point-of-Sale)

[Online Check Writer](https://www.capterra.com/p/237205/Online-Check-Writer/)[4.52 (255)](https://www.capterra.com/p/237205/Online-Check-Writer/reviews/)

vs

[Wave](https://www.capterra.com/p/178021/Wave-Apps/)[4.38 (1,721)](https://www.capterra.com/p/178021/Wave-Apps/reviews/)

$30/month

Price

$19/month

4.5

Features

4.2

4.4

Ease of Use

4.4

[View full comparison](https://www.capterra.com/compare/178021-237205/Wave-Apps-vs-Online-Check-Writer)

[Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[4.64 (3,030)](https://www.capterra.com/p/275802/Square-Point-of-Sale/reviews/)

vs

[Odoo](https://www.capterra.com/p/135618/Odoo/) [4.20 (1,306)](https://www.capterra.com/p/135618/Odoo/reviews/)

$0/month

Price

$31.1/month

4.5

Features

4.2

4.7

Ease of Use

4.0

[View full comparison](https://www.capterra.com/compare/135618-275802/Odoo-vs-Square-Point-of-Sale)