# 8am CPACharge vs Square Payments Comparison

| | 8am CPACharge | Square Payments | 
|---|---|---|
| **Star Rating** | 4.7 out of 5 | 4.5 out of 5 | 
| **Total Reviews** | 99 | 176 | 
| **Largest Market Segment** | Small-Business (98.0% of reviews) | Small-Business (89.7% of reviews) | 
| **Entry Level Price** | $10.00 | No pricing available | 

---
## Top Pros & Cons

### 8am CPACharge

Pros:
- Ease of Use (18 reviews)
- Easy Payments (10 reviews)

Cons:
- Billing Issues (5 reviews)
- Payment Issues (5 reviews)

### Square Payments

Pros:
- Ease of Use (7 reviews)
- Easy Payments (6 reviews)

Cons:
- High Fees (5 reviews)
- Limited Features (3 reviews)

---
## Ratings Comparison
| Rating | 8am CPACharge | Square Payments | 
|---|---|---|
  | **Meets Requirements** | 9.3 (84 reviews) | 9.3 (130 reviews) | 
  | **Ease of Use** | 9.3 (87 reviews) | 9.5 (131 reviews) | 
  | **Ease of Setup** | 9.6 (61 reviews) | 9.1 (56 reviews) | 
  | **Ease of Admin** | 9.6 (52 reviews) | 9.2 (42 reviews) | 
  | **Quality of Support** | 9.4 (78 reviews) | 8.5 (103 reviews) | 
  | **Has the product been a good partner in doing business?** | 9.5 (52 reviews) | 8.9 (42 reviews) | 
  | **Product Direction (% positive)** | 9.3 (83 reviews) | 8.2 (125 reviews) | 

---
## Pricing

### 8am CPACharge

#### Entry-Level Pricing

Plan: CPACharge Pricing

Price: $10.00

Key Features:
- 2.99% + $0.30 - Visa, Mastercard, Discover
- 3.90% + $0.30 - American Express
- 1% ($10.00 maximum per transaction) - eCheck/ACH

[Learn more about 8am CPACharge](https://www.g2.com/products/8am-cpacharge/reviews)

#### Free Trial

No

### Square Payments

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **8am CPACharge** | N/A | N/A |
| **Square Payments** | 8.9/10 | 49 |

#### Payment Options

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | Not enough data | 8.6 (14 reviews) | 
| **Recurring Billing** | Not enough data | 9.3 (10 reviews) | 
| **Instant Payment** | Not enough data | 9.4 (14 reviews) | 
| **Accepted Credit Cards and Debit Cards** | Not enough data | 9.9 (15 reviews) | 
| **ACH Payments and eCheck Processing** | Not enough data | 9.0 (10 reviews) | 
| **Split Payments** | Not enough data | 9.5 (11 reviews) | 
| **Real-Time Payments** | Not enough data | 9.7 (13 reviews) | 
| **Multi-Currency** | 6.3 (41 reviews) | 7.6 (26 reviews) | 
| **Online payment portal** | 9.4 (64 reviews) | 9.1 (37 reviews) | 

#### Administration

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Reporting/Dashboards** | Not enough data | 9.2 (14 reviews) | 
| **User, Role, and Access Management** | Not enough data | 9.6 (15 reviews) | 
| **Payout Time** | Not enough data | 9.1 (15 reviews) | 
| **Manual Payment Entry** | Not enough data | 8.6 (14 reviews) | 
| **Dispute Resolution** | Not enough data | 7.6 (12 reviews) | 
| **Omnichannel** | 7.4 (49 reviews) | 8.6 (30 reviews) | 
| **Levels 1 & 2** | 7.7 (44 reviews) | 8.3 (28 reviews) | 
| **Level 3** | 7.5 (41 reviews) | 8.0 (22 reviews) | 

#### Security

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **PCI Compliance** | Not enough data | 9.1 (9 reviews) | 
| **Fraud Protection Tools** | Not enough data | 9.7 (11 reviews) | 
| **Data Tokenization** | Not enough data | 9.4 (9 reviews) | 
| **Two-Factor Authentication** | Not enough data | 9.6 (12 reviews) | 
| **POS Verification** | 7.8 (42 reviews) | 8.8 (33 reviews) | 

#### Development

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | Not enough data | 8.3 (11 reviews) | 
| **APIs** | Not enough data | 9.4 (9 reviews) | 
| **Accounting Software Integration** | Not enough data | 7.8 (10 reviews) | 
| **E-Commerce Software Integration** | Not enough data | 8.0 (11 reviews) | 

#### Platform

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Performance and Reliability** | Not enough data | 9.4 (12 reviews) | 
| **Internationalization - Currency/Language** | Not enough data | 9.0 (10 reviews) | 
| **Internationalization - Operating Country** | Not enough data | 8.5 (8 reviews) | 
| **API / Integrations** | Not enough data | 7.9 (8 reviews) | 
| **PCI Regulation Compliance** | Not enough data | 9.2 (6 reviews) | 
| **Supplemental Technology** | Not enough data | 9.3 (7 reviews) | 
| **Accounting integration** | 8.0 (49 reviews) | 8.3 (30 reviews) | 
| **E-commerce Integration** | 7.2 (39 reviews) | 8.6 (30 reviews) | 

#### Agentic AI - Payment Gateways

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 
| **Cross-system Integration** | Not enough data | Not enough data | 
| **Decision Making** | Not enough data | Not enough data | 

### Payment Processing

| Product | Score | Reviews |
|---|---|---|
| **8am CPACharge** | 8.0/10 | 70 |
| **Square Payments** | 8.5/10 | 69 |

#### Payment Processing

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Encryption** | 9.2 (59 reviews) | 9.0 (50 reviews) | 
| **Credit Card Processing** | 9.6 (67 reviews) | 9.4 (59 reviews) | 
| **Mobile Payments** | 8.9 (51 reviews) | 9.4 (52 reviews) | 
| **Digital Wallet Integration** | 7.5 (43 reviews) | 8.8 (40 reviews) | 

#### Administration

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Reporting & Analytics** | 8.5 (60 reviews) | 8.8 (51 reviews) | 
| **E-commerce Integration** | 8.0 (49 reviews) | 8.4 (38 reviews) | 
| **Processing Fees** | 7.8 (66 reviews) | 7.1 (58 reviews) | 
| **POS Integration** | 7.1 (47 reviews) | 8.9 (45 reviews) | 
| **Omnichannel** | 7.4 (49 reviews) | 8.6 (30 reviews) | 
| **Levels 1 & 2** | 7.7 (44 reviews) | 8.3 (28 reviews) | 
| **Level 3** | 7.5 (41 reviews) | 8.0 (22 reviews) | 

#### Payment Options

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Multi-Currency** | 6.3 (41 reviews) | 7.6 (26 reviews) | 
| **Online payment portal** | 9.4 (64 reviews) | 9.1 (37 reviews) | 

#### Security

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **POS Verification** | 7.8 (42 reviews) | 8.8 (33 reviews) | 

#### Platform

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Accounting integration** | 8.0 (49 reviews) | 8.3 (30 reviews) | 
| **E-commerce Integration** | 7.2 (39 reviews) | 8.6 (30 reviews) | 

### Contractor Payments

| Product | Score | Reviews |
|---|---|---|
| **8am CPACharge** | N/A | N/A |
| **Square Payments** | 9.5/10 | 5 |

#### Platform Basics

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Performance** | Not enough data | 10.0 (5 reviews) | 
| **Portal** | Not enough data | 9.7 (5 reviews) | 

#### Platform Administration

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Integrations** | Not enough data | 7.7 (5 reviews) | 
| **Compliance** | Not enough data | 9.7 (5 reviews) | 
| **Reporting** | Not enough data | 9.7 (5 reviews) | 

#### Platform Payment Content

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Document management** | Not enough data | 9.3 (5 reviews) | 
| **Invoicing Tool** | Not enough data | 10.0 (5 reviews) | 
| **Wage access** | Not enough data | 9.7 (5 reviews) | 

### Accounting Practice Management

| Product | Score | Reviews |
|---|---|---|
| **8am CPACharge** | 8.3/10 | 23 |
| **Square Payments** | N/A | N/A |

#### Communication

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Client Portals** | 8.2 (14 reviews) | Not enough data | 
| **Automation** | 8.8 (13 reviews) | Not enough data | 
| **Consolidation** | 7.4 (14 reviews) | Not enough data | 

#### Collaboration

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Collaboration** | 7.4 (13 reviews) | Not enough data | 
| **Tasks** | 7.5 (12 reviews) | Not enough data | 
| **Version Control** | 7.6 (13 reviews) | Not enough data | 

#### Billing

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Time** | 8.7 (14 reviews) | Not enough data | 
| **Reporting** | 8.5 (16 reviews) | Not enough data | 
| **Invoices** | 8.6 (19 reviews) | Not enough data | 

#### Onboarding

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Templates** | 8.3 (15 reviews) | Not enough data | 
| **Checklists** | 8.5 (13 reviews) | Not enough data | 
| **New Client** | 8.6 (17 reviews) | Not enough data | 

#### Visibility

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Job Status** | 8.6 (13 reviews) | Not enough data | 
| **Metrics** | 8.3 (16 reviews) | Not enough data | 
| **File Organization** | 7.7 (13 reviews) | Not enough data | 
| **Audit Trail** | 9.0 (15 reviews) | Not enough data | 
| **Notifications** | 9.3 (15 reviews) | Not enough data | 
| **Integrations** | 8.7 (17 reviews) | Not enough data | 

#### Agentic AI  - Accounting Practice Management

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 
| **Multi-step Planning** | Not enough data | Not enough data | 
| **Cross-system Integration** | Not enough data | Not enough data | 

### Accounting & Finance

| Product | Score | Reviews |
|---|---|---|
| **8am CPACharge** | N/A | N/A |
| **Square Payments** | N/A | N/A |

#### Agentic AI - Accounting & Finance

| Feature | 8am CPACharge | Square Payments | 
|---|---|---|
| **Autonomous Task Execution** | Not enough data | Not enough data | 

---
## Categories
**Shared Categories (1):** [Payment Processing Software](https://www.g2.com/categories/payment-processing)

**Unique to 8am CPACharge (1):** [Accounting Practice Management Software](https://www.g2.com/categories/accounting-practice-management)

**Unique to Square Payments (2):** [ Contractor Payment Software](https://www.g2.com/categories/contractor-payments), [Payment Gateways](https://www.g2.com/categories/payment-gateways)


---
## Reviewer Demographics

### By Company Size

| Segment | 8am CPACharge | Square Payments | 
|---|---|---|
| **Small-Business** | 98.0% | 89.7% | 
| **Mid-Market** | 2.0% | 9.1% | 
| **Enterprise** | 0% | 1.2% | 

### By Industry

#### 8am CPACharge

- **Accounting:** 96.9%
- **Financial Services:** 2.1%
- **Consulting:** 1.0%

#### Square Payments

- **Food & Beverages:** 10.4%
- **Health, Wellness and Fitness:** 6.7%
- **Non-Profit Organization Management:** 6.7%
- **Retail:** 6.7%
- **Information Technology and Services:** 4.3%
- **Apparel & Fashion:** 3.7%
- **Construction:** 3.7%
- **Design:** 3.7%
- **Marketing and Advertising:** 3.1%
- **Arts and Crafts:** 3.1%
- **Other:** 47.9%

---
## Alternatives

### Alternatives to 8am CPACharge

- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (452 reviews)
- [Karbon](https://www.g2.com/products/karbon-2025-03-03/reviews) — 4.8/5 stars (857 reviews)
- [Canopy](https://www.g2.com/products/canopy-2026-05-12/reviews) — 4.6/5 stars (703 reviews)
- [TaxDome](https://www.g2.com/products/taxdome/reviews) — 4.7/5 stars (701 reviews)
- [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2745 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4096 reviews)
- [Thryv](https://www.g2.com/products/thryv/reviews) — 4.2/5 stars (2008 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1807 reviews)
- [FreshBooks](https://www.g2.com/products/freshbooks/reviews) — 4.5/5 stars (975 reviews)

### Alternatives to Square Payments

- [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2745 reviews)
- [GoCardless](https://www.g2.com/products/gocardless/reviews) — 4.6/5 stars (321 reviews)
- [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 3.9/5 stars (42 reviews)
- [GoDaddy Payments](https://www.g2.com/products/godaddy-payments/reviews) — 4.2/5 stars (25 reviews)
- [Shift Payment](https://www.g2.com/products/shift-4/reviews) — 3.2/5 stars (23 reviews)
- [Heartland Payments+](https://www.g2.com/products/heartland-payments/reviews) — 4.2/5 stars (13 reviews)
- [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (452 reviews)
- [Venmo](https://www.g2.com/products/paypal-venmo/reviews) — 4.6/5 stars (269 reviews)
- [CardConnect](https://www.g2.com/products/cardconnect/reviews) — 2.4/5 stars (22 reviews)

---
## Top Discussions

### 8am CPACharge

- Title: [What is CPACharge used for?](https://www.g2.com/discussions/what-is-cpacharge-used-for) — 1 comment
  > **Top comment:** "It is for invoicing clients and receiving payment including payment processing."

### Square Payments

- Title: [Is Square software free?](https://www.g2.com/discussions/is-square-software-free) — 2 comments
  > **Top comment:** "Square is free but you do pay a percentage on every credit card transaction you make."
- Title: [How do I get notifications from the app?](https://www.g2.com/discussions/how-do-i-get-notifications-from-the-app) — 2 comments, 1 upvote
  > **Top comment:** "Hello "
- Title: [Can i use Sqare internationally?](https://www.g2.com/discussions/can-i-use-sqare-internationally) — 2 comments, 1 upvote
  > **Top comment:** "You can only use square internationally with cash payments, not card or tap-to-pay phone payments!"
- Title: [What is Square payment method?](https://www.g2.com/discussions/what-is-square-payment-method) — 1 comment
  > **Top comment:** "Square Payments Method is a payments system that targets smaller businesses and allows them to accept credit card payments and use tablet computers as..."
- Title: [What is the best way to use the Square Payments app?](https://www.g2.com/discussions/what-is-the-best-way-to-use-the-square-payments-app) — 1 comment, 1 upvote
  > **Top comment:** "The best way to use The square Reader, in my opinion, could be more than one way. 

Firstly,  you do not need the reader.  The fee per swipe is higher..."

---
**Source:** [G2.com](https://www.g2.com) | [Comparison Page](https://www.g2.com/compare/8am-cpacharge-vs-square-payments)