--- title: "Square Virtual Terminal Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Square Virtual Terminal Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more." source_url: "https://www.capterra.com/p/190305/Square-Payments-Processing/" page_type: "product" language: "en" publication_date: "2026-09-28" --- # Square Virtual Terminal Software Review 2026: Features, Integrations, Pros & Cons Last updated on September 28, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Square Virtual Terminal ## What is Square Virtual Terminal? Accept every way your customers want to pay with Square Payments. Get a free magstripe reader to swipe credit cards anywhere. Take chip cards and NFC payments with Square Reader for contactless and chip. With Square's credit card processing, you can accept all major cards and get deposits as fast as the next business day. We offer chargeback protection, fraud detection, account takeover protection, and more, so you can focus on your customers. Its free to sign up easy to set up. ## What is Square Virtual Terminal used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Mobile Credit Card Processing](https://www.capterra.com/mobile-credit-card-processing-software/) Top alternative Featured Overall rating Based on 37 user reviews Reviews sentiment Positive 86% Neutral 8% Negative 5% ### Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Square Virtual Terminal?[Manage this product listing](https://www.g2.com/products/square-virtual-terminal/claim_requests/new?auto=true) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Square Virtual Terminal 4.6 (37) VS. [4.6 (3,392)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.6 (37) Ease Of Use 4.5 (2,716) Value For Money 4.4 (27) Value For Money 4.3 (1,988) Customer Service 4.0 (27) Customer Service 4.2 (1,766) ## Square Virtual Terminal alternatives [4.7 (35)](https://www.capterra.com/p/177326/360-Payments/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars Highest Rated [4.9 (84)](https://www.capterra.com/p/276323/Cheddar-Up/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 99% of reviewers rated it above 4 stars [4.2 (149)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 80% of reviewers rated it above 4 stars [4.7 (2,749)](https://www.capterra.com/p/140363/HouseCall-Pro/reviews/) Starting price $79.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/190305/Square-Payments-Processing/alternatives/) ## FAQs about Square Virtual Terminal Overview ### Which roles and teams benefit most from Square Virtual Terminal? Square Virtual Terminal is most used by small-business owners, proprietors, and founders who need to accept card payments when customers are not present. Office administrators and managers process phone or invoice payments and maintain transaction records, while service professionals, retailers, and online managers handle remote sales, bookings, and customer purchases. Answer based on 37 reviews Overview ### What company size and industries is Square Virtual Terminal built for? Square Virtual Terminal is built for small businesses, which represent 95% of reviewers, with retail as the top industry at 11%. It also serves one-person shops, midsize businesses, and enterprises, including food and beverage (8%) and apparel and fashion (5%) organizations, primarily for payment processing. Answer based on 37 reviews Features and Usability ### What are the key features of Square Virtual Terminal? Square Virtual Terminal offers payment processing for credit and debit cards, electronic and online payments, and payment links. It also includes billing and invoicing, recurring billing, receipt management, transaction history, real-time reporting, fraud detection, PCI compliance, and accounting integrations for tracking sales and payments. Integrations ### Which third-party tools and platforms does Square Virtual Terminal integrate with? Square Virtual Terminal integrates with Google Sheets, Microsoft Excel, QuickBooks Money, Square Invoices, and Square Point of Sale. These connections cover spreadsheet tracking, accounting, invoicing, and point-of-sale workflows, giving the product a focused set of native integrations for payment and record management. Answer based on 1 reviews Getting Started and Support ### What training and onboarding options does Square Virtual Terminal offer? Square Virtual Terminal provides in person training and documentation to help teams get started. In person training supports guided setup and direct instruction, while documentation offers written reference materials for self-paced learning and ongoing feature checks. Getting Started and Support ### What customer support options does Square Virtual Terminal offer? Square Virtual Terminal provides email/help desk, FAQ/forum, knowledge base, phone support, and chat. User feedback is mixed: some report quick help and useful daily support, while others mention slow responses during peak hours, extra steps before reaching an agent, and occasional runarounds when issues need follow-up. Answer based on 5 reviews ## Features AI summary Based on 17,640 Payment Processing reviews Capterra reviewers highlight these as the features buyers value most when choosing payment processing software: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Mobile Access** (**53%**) Square Virtual Terminal supports **Data Security** and **Online Payments**, giving businesses a way to protect payment information and accept transactions remotely. However, it does not include **Mobile Access**. Instead, it offers other highly rated capabilities, such as **Payment Fraud Prevention** (**56%**) and **Debit/Credit Card Processing** (**52%**), which help businesses reduce transaction risk and handle card payments efficiently, providing teams with dependable tools for secure and flexible payment operations. Data Security 4.0 (6) 83.33% of 6 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Online Payments 4.4 (11) 90.91% of 11 reviewers that rated this feature as important or highly important Accept and process online payment transactions Payment Fraud Prevention 5.0 (1) 100.00% of 1 reviewers that rated this feature as important or highly important Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Debit/Credit Card Processing 4.6 (5) 80.00% of 5 reviewers that rated this feature as important or highly important Accept and process credit/debit card transactions Point of Sale (POS) 5.0 (9) 66.67% of 9 reviewers that rated this feature as important or highly important Accept and process customer payments for products or services using hardware and software In-Person Payments 5.0 (8) 87.50% of 8 reviewers that rated this feature as important or highly important Transactions that typically involve face-to-face interactions between the payer and the payee Square Virtual Terminal 28 features ### All Features - Accounting Integration: Integrate with a third-party accounting system - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - API: Application programming interface that allows for integration with other systems/databases - Billing & Invoicing: Create, manage, and send invoices or bills to customers - Credit Card Management: Financial system that helps create and manage physical/digital credit cards and track transaction activities - Credit Card Processing: Accept and process credit card transactions - Data Import/Export: Import and export data to and from software applications - Data Security: Protect sensitive data for digital privacy - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Electronic Payments: Electronically collect payments for goods or services - Fraud Detection: Identify and prevent suspicious activity - In-Person Payments: Transactions that typically involve face-to-face interactions between the payer and the payee - Mobile Card Reader: Hardware device connected to smartphones for processing payments - Multiple Payment Options: Process payments via multiple modes directly through the application - Online Payments: Accept and process online payment transactions - Payment Fraud Prevention: Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. - Payment Links: Send clickable links via text or email to collect payments from customers - PCI Compliance: Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) - Point of Sale (POS): Accept and process customer payments for products or services using hardware and software - Purchasing & Receiving: Workflows that help acquire inventory, issue purchase orders and receive and store items in required quantity - Real-Time Reporting: Active reporting of data and metrics - Receipt Management: Upload, track, and submit receipts in a central database - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reporting & Statistics: Collection, analysis, and representation of numerical data and generation of reports to understand various patterns - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Sales Reports: Reports specific to sales analysis for trends and strategies - Third-Party Integrations: Set up connections to third-party platforms to improve business processes - Transaction History: Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period --- Get Advice We can help you find the software with the features you need. Features 4.5 (37) 4.5 Based on 37 reviews ## Pricing Value for money 4.4 (27) ### Starting price Free trial not available Value for money 4.4 (27) 4.4 Based on 27 reviews ## Integrations [ Microsoft Excel](https://www.capterra.com/p/176574/Excel/)[ Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[ Square Invoices](https://www.capterra.com/p/255193/Square-Invoices/)[ QuickBooks Money](https://www.capterra.com/p/170065/QuickBooks-Money/) 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. ## Support, customer service and training options Customer Service 4.0 (27) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.0 (27) 4.0 Based on 27 reviews ## User reviews Overall rating 4.6 Based on 37 reviews Filter by rating Counts reflect reviews available in this feed. 5(29) 4(3) 3(3) 2(1) 1(1) Mentioned topic Recent reviews first, then most helpful RE Reviewer Owner and Member Used the software for: 1-3 years ### "Unprofessional Data Governance and Corporate Accountability Deficit" 1.0 Overall Rating 1.0 1.0 Ease of Use 1.0 1.0 Features 1.0 1.0 Customer Service 1.0 1.0 Likelihood to Recommend 0/10 June 22, 2026 After weeks of attempting to resolve a critical merchant data dispute regarding an unauthorized live website container maintained on their infrastructure, Block, Inc. (Square) demonstrated an alarming lack of administrative accountability. Despite receiving explicit digital privacy portal requests and a physical corporate demand delivered via USPS Certified Mail to their headquarters, the company maintained the public data pipeline for weeks. The issue was only addressed after formal escalation to the Consumer Financial Protection Bureau (CFPB) and State Attorneys General. To close out the matter, their Senior Complaints Management team refused to provide standard corporate identifiers or full names for transparency, explicitly cited Section 5 of their Terms of Service to deflect accountability for hosting unauthorized content, and directed all future correspondence to their agent for service of process (CT Corporation). Highly problematic data governance and a complete disregard for merchant security protocols. Pros The issue was only addressed after formal escalation to the Consumer Financial Protection Bureau (CFPB) and State Attorneys General. Cons After weeks of attempting to resolve a critical merchant data dispute regarding an unauthorized live website container maintained on their infrastructure, Block, Inc. (Square) demonstrated an alarming lack of administrative accountability. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RE Reviewer Online Manager Used the software for: 3-5 years ### "Square Virtual Terminal" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 16, 2021 I can create an invoice for a job, and take payment right there!! Comes in handy on the mobile app! Pros I can run a customers credit card via mobile app or online in a web browser! Just pull up an invoice and slect payment method!! EASY!! Cons Nothing... I've been using it for years, and with each new feature they add it does more and more for you!! Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. VR Verified Reviewer Owner Used the software for: 3-5 years ### "Great product, but needs work" 4.0 April 18, 2022 I really like the product, ease of use, and portability, however, the connection issues are really a deterrent. Regarding online payments, I think the product is great for an e-commerce store. However, when you're at an event, whether it's on secured wi-fi or mobile data, the connection is really flakey. Pros The product is very easy to use and the interface is user-friendly. Square makes it very easy to accept payments in multiple formats including the chip-reader, swipe attachment, and the terminal. Cons I am constantly having issues with the connection and the card reader not working. I know Square has an option to accept payments when offline, but I don't have confidence in accepting high-dollar payments with this feature. I've been to several events where multiple vendors around me are also facing the same issue. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RE Reviewer Baker Used the software for: 3-5 years ### "The BEST" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 16, 2023 Wonderful experience! I live this thing. I use it all the time and it’s the only thing I’ve ever used for my business. I’ve worked in the food industry for years before starting my own business and square is my favorite payment processing and terminal Pros The ease of use. I can be at home, at a market, at the studio and I can make seamless transactions anywhere with my cake business Cons No cons for the terminal itself. It’s not super expensive, but even if you’re just starting out they offer it on payment plans Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. IS Isabel S. Portrait artist Used the software for: 3-5 years ### "Easy to use and set up!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 19, 2021 My overall experience has been great. I've only needed their customer service help once and they were awesome. Pros It's super convenient. I have clients all over the place and I go to them to create their fantastical portraits. I can take my virtual terminal anywhere and it works! Cons I haven't really found anything I don't like about this software. It does just what I need it to do and it works every time. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Jenine B. Office Administrator Used the software for: 3-5 years ### "Great way to take payments instantly " 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 February 17, 2022 Overall I would say Square Virtual Terminal has been an asset to our business. It guarantees us payments for our services and it can be done anywhere. It also saves the technicians time in the field not to have to collect payment. They can send me over the information, I can create the invoice, then call the customer for their credit card info. Pros What I like most about the Square Virtual Terminal is that you do not need to be right in front of the customer to take their payments. If a job requires an upfront deposit we can charge the customer before the guys leave the shop. This way they can get right to work instead taking time to collect payment. Cons What I like least it that is costs more if you do not swipe a card. If you manually enter the card information you pay a bit more per transaction Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RE Reviewer Manager Used the software for: Less than 1 year ### "Square for us is a dare " 3.0 Overall Rating 3.0 3.0 Ease of Use 3.0 3.0 Features 3.0 3.0 Customer Service 3.0 3.0 Likelihood to Recommend 5/10 September 9, 2020 I have had a neutral experience with square, i had many problems that didn't meet our bussiness needs but they fixed everything and i returned everything and switched to paypal so i cant really complain to much Pros I liked their software easy to use and setup pos system and easy to program inventory and design Cons The hidden fees, expensive hardware, and non support for e-commerce solutions for online retail and non square customers. You must buy their expensive hardware and software monthly fees and maintenance fees and high transaction fees vs a standalone like paypal with no fees and all customers welcome Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RE Reviewer Catering Manager Used the software for: 3-5 years ### "Very User Friendly " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 August 11, 2020 The virtual terminal is very easy to use and easy to customize Pros The ability to use the software anywhere. Cons If your internet is not reliable it can be slow. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Heather T. Commercial Cleaner Used the software for: 3-5 years ### "My thoughts on Square Virtual Terminal " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 10/10 July 31, 2024 While Square Virtual Terminal's transaction costs and customization choices may be better, it provides a flexible, secure, and user-friendly alternative for handling payments and business activities. Pros The fact that it has no monthly fees, makes it more affordable for small businesses or businesses just getting started. Cons The customer support is good Don't get me wrong, but it can be timely especially during peak hours. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Jessica D. Customer Service Dispatcher & Social Media Maven Used the software for: Less than 1 year ### "I'm SQUARED Straight!!!!" 5.0 January 31, 2020 For the quickest, securest, and most user-friendly method of obtaining, submitting, and utilizing a client's most sensitive personal information in the way of financial transactions, Square Virtual Terminal is where you need to head on over to. Be it over the phone, text, email, or messenger bird, Square Virtual Terminal allows you to swiftly input a financial transaction, badaboom, badabang, DONE. With the built-in methods of confirmation that allow you to immediately send the respective transaction receipt to the payer, via text, email, or print. And it's intuitive enough to be adept for the absolute beginner with no experience EVER, click on Virtual Terminal, and the screen then succinctly asks for customer's name, modality of payment, payment information specifics like expiration date and three digit number on back of card, billing info, and then CLICK. It goes through the magical whirlpool of charging the customer in the blink of an eye, followed by the confirmation screen, in which you can print, send to customer, and attach to an invoice. It's a magical world we live in! Pros SCENE: A client calls you, requesting to go ahead and submit payment, giving you their most sensitive financial data over the phone, with you, and your supervisor slides a note over to you with just the user name and password for the company's Square Virtual Terminal account online. It's your first day. Feigning a confidence worthy of Oscar note, you tell the client that absolutely, you can do that for them, just to allow you a second to pull up his information so that you can proceed with the payment...all the while having never actually done this before, or anything like this really, your armpits begin to sweat profusely, your brain begins to emit this high frequency keen of despair, and with growing sympathetic nervous system doom, you finally are signed in and, hold on, it has a button for "Quick Transaction," that riding on the coattails of an uttered prayer, you click, ask the client for each section's info, and before you can blink, or pass out from the cascade of fight or flight hormones, the transaction has successfully went through, receipt has been printed, emailed, and texted to the client, and the whole ordeal is over as you place the phone back in its cradle in utter amazement. It hasn't even been five minutes! Whaaaaat?! This is a magical payment processor, that's what it is, and you are its wizened wizard now. Come at me bro. Cons Minus the inherent, basic awkward nature of handling someone's most private and sensitive data, especially of the financial kind, this software is making some serious waves in the transaction department and from my experience, elicits no cons. For any and every kind of business financial deal done, be it for products or services rendered, Square has filled the kind of hole circle or triangle or trapezoid simply couldn't, and in perfect adherence to safety and privacy protocols and protection. Fraudulent activity BUH BYE! The entire time I've used Square, in any capacity, I've not run into a single issue, breach of confidentiality, or any instance where my clients has been any thing other than happy and satisfied. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/190305/Square-Payments-Processing/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox. Popular comparisons [Square Payments vs Square Virtual Terminal](https://www.capterra.com/compare/170278-190305/Square-Payments-Processing-vs-Square-Payments-Processing)