---
description: Compare Square Payments vs Xplor Pay to learn about each of the product's price, benefits and disadvantages. Choose the best software for your business in New Zealand.
image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress
title: Square Payments vs Xplor Pay Comparison - Capterra New Zealand 2026
---

Breadcrumb: [Home](/) > [Payment Processing Software](/directory/30232/payment-processing/software) > [Square Payments \<span\>vs\</span\> Xplor Pay](https://www.capterra.co.nz/compare/170278/178639/square-payments-processing/vs/clearent-payment-processing)

# Compare Square Payments vs Xplor Pay

Canonical: https://www.capterra.co.nz/compare/170278/178639/square-payments-processing/vs/clearent-payment-processing

> Detailed comparison between Square Payments and Xplor Pay. Check ratings, reviews, pricing, and features to make the best decision for your business.

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## At a Glance

| Metric | Square Payments | Xplor Pay |
| **Overall rating** | 4.7/5 | 4.3/5 |
| **Total Reviews** | 2672 | 21 |
| **Starting Price** | - | - |
| **Free Trial** | No | - |
| **Free Version** | Yes | No |
| **Deployment** | Cloud, SaaS, Web-based, Android (Mobile), iPhone (Mobile), iPad (Mobile) | Cloud, SaaS, Web-based |
| **Support** | Email/Help Desk, FAQs/Forum, Knowledge Base, Phone Support, Chat | Email/Help Desk, FAQs/Forum, Knowledge Base, Phone Support |
| **Training** | In Person, Documentation, Videos | In Person, Live Online, Webinars, Documentation, Videos |

## Best for

### Square Payments

Square Payments is used by restaurants, retail stores, beauty salons, service providers, food trucks, contractors, nonprofits, and franchises.

### Xplor Pay

ISVs, ISOs, agents, financial institutions, member associations, referral partners, SMBs, healthcare, restaurants, retail, B2B.

## Key features

### Square Payments

- ACH Payment Processing
- API
- Billing & Invoicing
- CRM
- Customer Database
- Electronic Signature
- In-Person Payments
- Invoice Management
- Mobile Payments
- Online Payments
- Partial Payments
- Payment Fraud Prevention
- Payment Links
- Point of Sale (POS)
- Receipt Management
- Recurring/Subscription Billing
- Reminders
- Reporting & Statistics
- Reporting/Analytics
- SSL Security

### Xplor Pay

- ACH Payment Processing
- API
- Electronic Signature
- In-Person Payments
- Mobile Payments
- Online Payments
- Recurring/Subscription Billing
- Reporting/Analytics

## Links

- [View Square Payments Profile](https://www.capterra.co.nz/software/170278/square-payments-processing)
- [View Xplor Pay Profile](https://www.capterra.co.nz/software/178639/clearent-payment-processing)
- [View Original Comparison](https://www.capterra.co.nz/compare/170278/178639/square-payments-processing/vs/clearent-payment-processing)

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