--- description: Learn more about Square Payments price, benefits, and disadvantages for businesses in New Zealand. Read verified software reviews and find tools that fit your business needs. image: https://gdm-localsites-assets-gfprod.imgix.net/images/capterra/og_logo-e5a8c001ed0bd1bb922639230fcea71a.png?auto=format%2Cenhance%2Ccompress title: Square Payments Pricing, Reviews & Features - Capterra New Zealand 2026 --- Breadcrumb: [Home](/) > [Payment Processing Software](/directory/30232/payment-processing/software) > [Square Payments](/software/170278/square-payments-processing) # Square Payments Canonical: https://www.capterra.co.nz/software/170278/square-payments-processing Page: 1 / 109\ Next: [Next page](https://www.capterra.co.nz/software/170278/square-payments-processing?page=2) > Square Payments is payment processing software that enables businesses to accept payments online, in person, or on the go. > > Verdict: Rated **4.7/5** by 2687 users. Top-rated for **Likelihood to recommend**. ----- ## Overview ### Who Uses Square Payments? Square Payments is used by restaurants, retail stores, beauty salons, service providers, food trucks, contractors, nonprofits, and franchises. ## Quick Stats & Ratings | Metric | Rating | Detail | | **Overall** | **4.7/5** | 2687 Reviews | | Ease of Use | 4.7/5 | Based on overall reviews | | Customer Support | 4.4/5 | Based on overall reviews | | Value for Money | 4.5/5 | Based on overall reviews | | Features | 4.6/5 | Based on overall reviews | | Recommendation percentage | 90% | (9/10 Likelihood to recommend) | ## About the vendor - **Company**: Square - **Location**: San Francisco, US - **Founded**: 2009 ## Commercial Context - **Pricing model**: Usage Based (Free version available) - **Pricing Details**: Per swipe/dip/tap: 2.6% + $.10 Keyed in: 3.5% + $.15 per transaction Online \& invoices: 2.9% + $.30 per transaction Custom pricing packages are also available. Contact Square for more information. - **Target Audience**: Self Employed, 2–10, 11–50, 51–200, 201–500, 501–1,000, 1,001–5,000, 5,001–10,000, 10,000+ - **Deployment & Platforms**: Cloud, SaaS, Web-based, Android (Mobile), iPhone (Mobile), iPad (Mobile) - **Supported Languages**: English, French, Japanese, Spanish - **Available Countries**: Australia, Canada, France, Ireland, Japan, Spain, United Kingdom, United States ## Features - ACH Payment Processing - Billing & Invoicing - Contactless NFC - Credit Card Processing - Debit/Credit Card Processing - Electronic Payments - Electronic Signature - In-Person Payments - Mobile Access - Mobile Card Reader - Mobile Payments - Multiple Payment Options - PCI Compliance - Payment Fraud Prevention - Point of Sale (POS) - Receipt Management - Recurring/Subscription Billing - Reporting & Statistics - Reporting/Analytics - Third-Party Integrations ## Integrations (30 total) - Acuity Scheduling - BigCommerce - ClinicSense - Craver - DAVO - Ecwid - Fomo - Jotform - Linktree - Mailchimp - Make - MarginEdge - MoeGo - Paymo - Poptin ... and 15 more integrations ## Support Options - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - Chat ## Category - [Payment Processing Software](https://www.capterra.co.nz/directory/30232/payment-processing/software) ## Related Categories - [Payment Processing Software](https://www.capterra.co.nz/directory/30232/payment-processing/software) - [Mobile Credit Card Processing Software](https://www.capterra.co.nz/directory/31089/mobile-credit-card-processing/software) ## Alternatives 1. [PayPal](https://www.capterra.co.nz/software/179251/paypal) — 4.6/5 (26417 reviews) 2. [Venmo](https://www.capterra.co.nz/software/182159/venmo-) — 4.7/5 (9282 reviews) 3. [Stripe](https://www.capterra.co.nz/software/123889/stripe) — 4.6/5 (3340 reviews) 4. [Square Point of Sale](https://www.capterra.co.nz/software/154907/square-point-of-sale) — 4.6/5 (3031 reviews) 5. [Modisoft](https://www.capterra.co.nz/software/1060880/modisoft) — 5.0/5 (6 reviews) ## Reviews ### "Good Honest Campany" — 5.0/5 > **Peggy** | *15 May 2026* | Apparel & Fashion | Recommendation rating: 10.0/10 > > **Pros**: I have used square for my business for about 20 years. They have always been very dependable and user friendly. Emails are immediately sent on every sale and transaction. The money is in my bank account within a couple of days. > > **Cons**: The only negative I can say is their website can be a little bit complicated until you get used to it. > > My experience has been very positive. No surprises and they are very dependable. I have never had to contact them with an issue in all of the years I have used their services ----- ### "Fantastic product" — 5.0/5 > **Trisha** | *9 April 2026* | Consumer Services | Recommendation rating: 10.0/10 > > **Pros**: The different payment methods are very handy. It is also very easy to set up on your mobile device so payments can be taken directly from your mobile with no equipment needed. The ability to customize items, taxes and tips in the app are very simple to set up. Payments are secure and quick. > > **Cons**: The only con which is minor in my opinion is the 1-3 day wait to transfer funds. They do have ways around this with a small fee or by using the square card which makes funds spendable immediately. > > Overall I enjoy Square. The ease of use and secure payments are wonderful. I often get compliments from customers on how convenient it is for them. ----- ### "I DO NOT RECOMMEND\!" — 1.0/5 > **Gabriel** | *27 May 2025* | Health, Wellness & Fitness | Recommendation rating: 0.0/10 > > **Pros**: I honestly can't listed any anymore. The company has fallen apart and It's heartbreaking. I can list cons. > > **Cons**: Customer service is hard to contact these days and once in contact they do absolutely nothing to resolve issues. I have been using square since 2018. I have 4 businesses that use their service. The most recent setup was in 2023 and square has taken money by forcing instant deposit fees while the account is set to manual. I reached out to have it corrected and wait 43 mins just to speak with someone who failed to fix the issue. > > Recently TERRIBLE\! Before 2023 it was great to have. Payments used to be easy. Now its like they are scamming for money. ----- ### "Square Performs, End of Discussion" — 5.0/5 > **Keith** | *13 March 2026* | Wholesale | Recommendation rating: 10.0/10 > > **Pros**: Takes payments on laptop, mobile and the Square terminal. Take payments anywhere, in store and remote locations. Even when no internet is available. Very easy to use, intuitive and fast. Deposits to our account are seamless and quick. > > **Cons**: While their rates are on the high side Square has no minimum monthly fee. Some charges are complicated to anticipate. Foreign exchange rates are higher than expected. Avoid doing refunds as they are costly. > > In 7-years of use we have not had any problems. The ability to send payment links, use in our online store and even with our service technicians on the road has been a huge advantage. We have not needed to contact customer support and have not experienced any bugs or issues with the service or equipment. ----- ### "Easy to use product\!" — 4.0/5 > **Bree** | *12 May 2026* | Maritime | Recommendation rating: 8.0/10 > > **Pros**: Square has been an excellent payment platform for our fishing charter business, especially in seasonal, travel-driven markets like Alaska and Florida. It gives clients multiple ways to pay, including online deposits, final trip balances, invoices, and in-person card payments at the dock. Invoicing and payment tracking are straightforward, and the mobile card reader adds flexibility when working in the field or at the marina. It’s also easy to track payments, stay organized, and provide a professional payment experience for clients. > > **Cons**: The transaction fees can add up during peak charter seasons when processing a high volume of bookings and larger payments. There can also be occasional holds or verification requests on larger transactions, which can be inconvenient when managing a busy schedule. Outside of that, the platform has been very dependable. > > Overall, my experience with Square has been very positive. It’s a flexible, reliable, and easy-to-use payment platform that works well for a charter business managing deposits, final payments, and in-person transactions. Having both invoicing and mobile payment options has made it easier to serve clients professionally while keeping our business operations organized across multiple locations. ----- Page: 1 / 109\ Next: [Next page](https://www.capterra.co.nz/software/170278/square-payments-processing?page=2) ## Links - [View on Capterra](https://www.capterra.co.nz/software/170278/square-payments-processing) ## This page is available in the following languages | Locale | URL | | de | | | de-AT | | | de-CH | | | en | | | en-AE | | | en-AU | | | en-CA | | | en-GB | | | en-IE | | | en-IL | | | en-IN | | | en-NZ | | | en-SG | | | en-ZA | | | es | | | es-AR | | | es-CL | | | es-CO | | | es-CR | | | es-DO | | | es-EC | | | es-MX | | | es-PA | | | es-PE | | | fr | | | fr-BE | | | fr-CA | | | fr-LU | | | it | | | ja | | | nl | | | nl-BE | | | pt | | | pt-PT | | ----- ## Structured Data