Easy vs Square
How Easy compares to Square on pricing, monthly fees, fund control, and features.
Easy charges a flat 2.7% + $0.30 for online payments with zero monthly fees. Square starts at 2.9% + $0.30 online (or 3.3% on their free tier) and charges $29–$149 per month for premium plans. Easy is also self-custodial — your money goes into accounts you control, not Square's.
| Feature | Easy | Square |
|---|---|---|
| Online card rate | 2.7% + $0.30 | 2.9% + $0.30 (Plus) / 3.3% + $0.30 (Free) |
| In-person card rate | 2.7% + $0.30 | 2.6% + $0.15 (Free) / 2.4% + $0.15 (Premium) |
| Amex rate | 3.0% + $0.30 | Same as card rate |
| Keyed-in rate | — | 3.5% + $0.15 |
| Monthly fees | None | $0 / $49 / $149 |
| Self-custodial | Yes | No |
| Cashback on balances | Yes | No |
| Stablecoin payments | Yes | No |
| Approval speed | Under 90 seconds | Instant for basic |
| Payouts | Next-day, instant available | Next business day (free), instant ($) |
| POS hardware | Supported devices | Square Terminal, Register, Reader |
How does pricing compare?
Easy charges a flat 2.7% + $0.30 for online card payments with no monthly fees. Square's online rates start at 2.9% + $0.30 on their Plus plan ($29/month) and go up to 3.3% + $0.30 on the free tier. For in-person, Square has a slight edge on per-transaction cost at 2.6% + $0.15, but their premium rates require a $79/month plan. With Easy, what you see is what you pay — no tiers, no subscriptions, no surprises. If you do any meaningful online volume, Easy's flat rate beats Square's tiered pricing.
Do I need a monthly subscription?
Not with Easy. Zero monthly fees, period. Square offers a free tier but locks better rates and features behind paid plans at $29, $49, or $79 per month. Their Restaurant plan goes up to $149/month. With Easy, every merchant gets the same flat rate and full feature set from day one. No paying extra to unlock lower processing rates.
Who controls the money?
With Square, your money goes into Square's system first. They hold it, they control when you get paid. Easy is self-custodial — your funds go directly into accounts you own. Easy processes the transaction but never holds your money. That means no surprise holds, no reserve requirements, and no waiting for Square to decide your funds are ready to release.
What about in-person payments?
Square has a strong in-person presence with their own hardware lineup — Terminal, Register, and Reader. Easy supports in-person payments through compatible payment devices at the same 2.7% + $0.30 flat rate. Square's in-person rate is lower per transaction (2.6% + $0.15 on Free), but if you also sell online, Easy's consistent flat rate across all channels keeps things simpler. No juggling different rate structures for different sales channels.
Who should pick Easy over Square?
Easy is the better choice if you sell online, want to avoid monthly fees, or care about controlling your own money. Square is built around their POS hardware ecosystem — if you're a coffee shop that only takes in-person payments, Square's lower in-person rate and dedicated hardware make sense. But if you do any online business, process cards and stablecoins, or want self-custodial fund control with cashback on balances, Easy gives you more for less. No subscriptions, no tiers, no processor sitting on your cash.
Ready to switch?
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