--- 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" --- # Square Virtual Terminal Software Review 2026: Features, Integrations, Pros & Cons Last updated on February 15, 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/) 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://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://squareup.com/&name=Square Virtual Terminal) ## 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. [### Square Payments](https://www.capterra.com/p/170278/Square-Payments-Processing/) [4.7 (2,699)](https://www.capterra.com/p/170278/Square-Payments-Processing/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 4.7 (2,696) Value For Money 4.4 (27) Value For Money 4.5 (1,967) Customer Service 4.0 (27) Customer Service 4.4 (1,746) ## Square Virtual Terminal alternatives [Stripe](https://www.capterra.com/p/123889/Stripe/) [4.6 (3,361)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [PayPal Point of Sale](https://www.capterra.com/p/171165/PayPal-Here-app/) [4.6 (2,290)](https://www.capterra.com/p/171165/PayPal-Here-app/reviews/) Starting price $0.01 Per User, Per Month Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [360 Payments](https://www.capterra.com/p/177326/360-Payments/) [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 [SumUp](https://www.capterra.com/p/170673/SumUp-Air/) [4.5 (1,471)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 88% 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 business owners, managers, and administrative staff who need to take card payments quickly without a physical checkout. Service teams, wellness providers, and retail or catering operators use it to process phone orders, remote invoices, and manual transactions while keeping scheduling, customer service, and cash flow moving. Answer based on 37 reviews Overview ### What company size and industries is Square Virtual Terminal built for? Square Virtual Terminal is built mainly for small businesses, which make up 95% of reviewers, with retail leading at 11%. It also serves enterprise and midsize companies at 3% each, with common use across food and beverages at 8% and apparel and fashion at 5%, primarily for payment processing. Answer based on 37 reviews Talk to an expert ### More questions? Ask our experts Features and Usability ### What are the key features of Square Virtual Terminal? Square Virtual Terminal offers payment processing for online, in-person, and electronic payments, plus credit and debit card processing, recurring billing, and payment links. It also includes billing and invoicing, receipt management, transaction history, real-time reporting, fraud detection, PCI compliance, and third-party integrations. Integrations ### Which third-party tools and platforms does Square Virtual Terminal integrate with? Square Virtual Terminal integrates with QuickBooks Money, QuickBooks Online, Square Invoices, Square Point of Sale, Google Sheets, and Microsoft Excel. It connects accounting, invoicing, and spreadsheet tools, giving businesses options for bookkeeping, transaction tracking, and invoice creation within the Square ecosystem. Answer based on 4 reviews Getting Started and Support ### What training and onboarding options does Square Virtual Terminal offer? Square Virtual Terminal provides in-person training and documentation. In-person training supports guided instruction and direct questions during setup, while documentation offers written reference material for self-paced review of features, steps, and basic usage information. 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. Users describe support as helpful at times, but experiences vary; some report quick assistance, while others note delays during peak hours, extra steps before reaching a person, and occasional runarounds or unanswered emails. Answer based on 5 reviews ## Features AI summary Based on 17,379 Payment Processing reviews Capterra data shows that buyers of payment processing software rank the following features as their top priorities: - **Data Security** (**58%** of reviewers rated this feature as critical) - **Online Payments** (**55%**) - **Debit/Credit Card Processing** (**52%**) Square Virtual Terminal supports all three features buyers value most: **Data Security**, **Online Payments**, and **Debit/Credit Card Processing**. Together, these capabilities help businesses process transactions securely, accept payments through multiple channels, and handle card payments efficiently, giving teams a reliable way to manage sales and protect customer payment information. 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 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 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. Billing & Invoicing 5.0 (6) 50.00% of 6 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers 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 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/)[ Google Sheets](https://www.capterra.com/p/169718/Google-Sheets/)[ 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 5(29) 4(3) 3(3) 2(1) 1(1) Mentioned topic Sorted by most recent TK Thomas K. K. Owner and Member Consumer Goods ### "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 18, 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. Switched from [PayPal Point of Sale](https://www.capterra.com/p/171165/PayPal-Here-app/) I moved away because independent businesses cannot trust a processor that operates with predatory billing practices and a total disregard for merchant data security. 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. YS YOlanda S. Managed Care Coordinator Hospital & Health Care ### "Square Review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 March 31, 2025 Pros The ease of making payments to vendors for services received. Cons I have no issues with this product, it has been great to use when available. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Heather T. Commercial Cleaner Hospitality ### "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 24, 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 Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KD Kiersten D. Baker Food & Beverages ### "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 13, 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 Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) [Venmo](https://www.capterra.com/p/222572/Venmo-/) [Toast POS](https://www.capterra.com/p/136301/Toast-POS/) Wanted something that would make taking payments quick easy and convenient for me and my customers Alternatives considered [Toast POS](https://www.capterra.com/p/136301/Toast-POS/) Reasons for choosing Square Virtual Terminal I love the look of it and all of the features Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. BK Baljit K. CEO Food & Beverages ### "Convenient and Reliable" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 May 10, 2022 I love it. Very easy to hook up on the go and charge customers and accept payments. Pros I love that the terminal is so compact and easy to hook up. Easy swipe and easy charge system. Good security that asks for pubs and passwords so customers can't change purchase amounts. Gets the job done. Cons Have to replug the terminal sometimes as it sits and loses connection. Reasons for choosing Square Virtual Terminal Offer showed up as an ad. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CM Christine M. Manager Retail ### "Square Rocks! " 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 May 5, 2022 Pros It’s easy to use. It was already to set up too. Cons I never like paying transaction fees. But it’s comparable. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AN Anonymous User Owner Retail ### "Great product, but needs work" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 3.0 3.0 Customer Service 0.0 0.0 Likelihood to Recommend 8/10 April 13, 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. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reasons for choosing Square Virtual Terminal Square was being more commonly used amongst vendors and I didn't want to make a jump to PayPal. Even though PayPal is a trusted brand, Square felt more modern and since many small business owners were using it, I decided to go with Square as well. I feel that Square represents small business owners better than PayPal. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JB Jenine B. Office Administrator Construction ### "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 16, 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 Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reasons for choosing Square Virtual Terminal We actually have both but just for customer convenience. I prefer Square over any other payment app. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. TG Thomas G. Owner Environmental Services ### "Awesome product!" 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 20, 2022 Overall my experience with square terminal is a positive one. Pros Implementing this with Squarespace and QuickBooks was super easy. Cons I wish there fees weren’t lower and that they accepted checks. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. DM Dani M. Chiropractic Assistant Medical Practice ### "Great for farmer's markets" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 September 20, 2021 Overall Square Virtual Terminal has been an amazing way for us to collect payments while we are out of the office at events Pros I love how easy it is to collect payments and keep track of patrons. Cons It took a little bit to figure out how to use, not entirely foolproof, but now it works great! Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized 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)