# GoCardless vs Square Payments Comparison | | GoCardless | Square Payments | |---|---|---| | **Star Rating** | 4.6 out of 5 | 4.5 out of 5 | | **Total Reviews** | 321 | 176 | | **Largest Market Segment** | Small-Business (92.9% of reviews) | Small-Business (89.7% of reviews) | | **Entry Level Price** | No pricing available | No pricing available | --- ## Top Pros & Cons ### GoCardless Pros: - Convenience (8 reviews) - Ease of Use (8 reviews) Cons: - Payment Issues (6 reviews) - Slow Payments (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 | GoCardless | Square Payments | |---|---|---| | **Meets Requirements** | 9.1 (204 reviews) | 9.3 (130 reviews) | | **Ease of Use** | 9.0 (203 reviews) | 9.5 (131 reviews) | | **Ease of Setup** | 8.9 (153 reviews) | 9.1 (56 reviews) | | **Ease of Admin** | 9.0 (140 reviews) | 9.2 (42 reviews) | | **Quality of Support** | 8.5 (172 reviews) | 8.5 (103 reviews) | | **Has the product been a good partner in doing business?** | 9.0 (134 reviews) | 8.9 (42 reviews) | | **Product Direction (% positive)** | 8.7 (187 reviews) | 8.2 (125 reviews) | --- ## Pricing ### GoCardless #### Entry-Level Pricing No pricing available #### Free Trial No information available ### Square Payments #### Entry-Level Pricing No pricing available #### Free Trial No information available --- ## Features Comparison By Category ### Payment Gateways | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.8/10 | 74 | | **Square Payments** | 8.9/10 | 49 | #### Payment Options | Feature | GoCardless | Square Payments | |---|---|---| | **Coupons, Discounts, Promotions, and Gift Cards** | Feature Not Available | 8.6 (14 reviews) | | **Recurring Billing** | 9.2 (32 reviews) | 9.3 (10 reviews) | | **Instant Payment** | 8.5 (30 reviews) | 9.4 (14 reviews) | | **Accepted Credit Cards and Debit Cards** | Feature Not Available | 9.9 (15 reviews) | | **ACH Payments and eCheck Processing** | 7.8 (20 reviews) | 9.0 (10 reviews) | | **Split Payments** | Feature Not Available | 9.5 (11 reviews) | | **Real-Time Payments** | Feature Not Available | 9.7 (13 reviews) | | **Multi-Currency** | 7.7 (24 reviews) | 7.6 (26 reviews) | | **Online payment portal** | 8.2 (36 reviews) | 9.1 (37 reviews) | #### Administration | Feature | GoCardless | Square Payments | |---|---|---| | **Reporting/Dashboards** | 8.8 (36 reviews) | 9.2 (14 reviews) | | **User, Role, and Access Management** | 8.6 (33 reviews) | 9.6 (15 reviews) | | **Payout Time** | 7.4 (37 reviews) | 9.1 (15 reviews) | | **Manual Payment Entry** | 8.1 (25 reviews) | 8.6 (14 reviews) | | **Dispute Resolution** | Feature Not Available | 7.6 (12 reviews) | | **Omnichannel** | 7.3 (30 reviews) | 8.6 (30 reviews) | | **Levels 1 & 2** | Feature Not Available | 8.3 (28 reviews) | | **Level 3** | Feature Not Available | 8.0 (22 reviews) | #### Security | Feature | GoCardless | Square Payments | |---|---|---| | **PCI Compliance** | Feature Not Available | 9.1 (9 reviews) | | **Fraud Protection Tools** | Feature Not Available | 9.7 (11 reviews) | | **Data Tokenization** | 9.2 (23 reviews) | 9.4 (9 reviews) | | **Two-Factor Authentication** | 9.6 (30 reviews) | 9.6 (12 reviews) | | **POS Verification** | Feature Not Available | 8.8 (33 reviews) | #### Development | Feature | GoCardless | Square Payments | |---|---|---| | **Customization (Fields, Objects, and Layouts)** | 8.5 (18 reviews) | 8.3 (11 reviews) | | **APIs** | 8.8 (20 reviews) | 9.4 (9 reviews) | | **Accounting Software Integration** | 8.7 (27 reviews) | 7.8 (10 reviews) | | **E-Commerce Software Integration** | 8.9 (22 reviews) | 8.0 (11 reviews) | #### Platform | Feature | GoCardless | Square Payments | |---|---|---| | **Performance and Reliability** | 9.1 (34 reviews) | 9.4 (12 reviews) | | **Internationalization - Currency/Language** | 9.1 (21 reviews) | 9.0 (10 reviews) | | **Internationalization - Operating Country** | 9.3 (22 reviews) | 8.5 (8 reviews) | | **API / Integrations** | 8.8 (20 reviews) | 7.9 (8 reviews) | | **PCI Regulation Compliance** | Feature Not Available | 9.2 (6 reviews) | | **Supplemental Technology** | Feature Not Available | 9.3 (7 reviews) | | **Accounting integration** | 9.1 (44 reviews) | 8.3 (30 reviews) | | **E-commerce Integration** | 8.4 (25 reviews) | 8.6 (30 reviews) | #### Agentic AI - Payment Gateways | Feature | GoCardless | 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 | ### Subscription Revenue Management | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.8/10 | 63 | | **Square Payments** | N/A | N/A | #### Billing and Payments | Feature | GoCardless | Square Payments | |---|---|---| | **Payment Terms** | 9.0 (43 reviews) | Not enough data | | **Personalized Billing** | 9.0 (45 reviews) | Not enough data | | **Custom Pricing** | Feature Not Available | Not enough data | #### Revenue Recognition | Feature | GoCardless | Square Payments | |---|---|---| | **Usage Tracking** | 8.9 (38 reviews) | Not enough data | | **Deferred Revenue** | 9.1 (23 reviews) | Not enough data | | **Revenue Accrual** | 8.8 (26 reviews) | Not enough data | #### Revenue Optimization | Feature | GoCardless | Square Payments | |---|---|---| | **At-Risk Customers** | 8.8 (27 reviews) | Not enough data | | **Offer Optimization** | Feature Not Available | Not enough data | | **Customer Churn** | 8.5 (28 reviews) | Not enough data | | **Revenue Forecasting** | 8.6 (27 reviews) | Not enough data | ### Enterprise Payment | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.7/10 | 25 | | **Square Payments** | N/A | N/A | #### Payment Methods | Feature | GoCardless | Square Payments | |---|---|---| | **ACH** | 7.9 (8 reviews) | Not enough data | | **Credit and Debit** | Feature Not Available | Not enough data | | **Wire Transfer** | Feature Not Available | Not enough data | #### Payment Processing | Feature | GoCardless | Square Payments | |---|---|---| | **Batch Processing** | 8.6 (12 reviews) | Not enough data | | **Payments Scheduling** | 9.2 (20 reviews) | Not enough data | | **Automated Workflows** | 8.7 (14 reviews) | Not enough data | | **Self Service** | 8.2 (11 reviews) | Not enough data | | **Reconciliation** | 8.2 (13 reviews) | Not enough data | | **Settlements** | 8.2 (12 reviews) | Not enough data | | **Payment Tracking** | 9.1 (19 reviews) | Not enough data | #### Security and Compliance | Feature | GoCardless | Square Payments | |---|---|---| | **PCI Compliant** | Feature Not Available | Not enough data | | **P2PE** | Feature Not Available | Not enough data | | **Fraud Management** | Feature Not Available | Not enough data | | **SSL Encryption** | 9.8 (14 reviews) | Not enough data | | **SOX** | Feature Not Available | Not enough data | | **SOC** | Feature Not Available | Not enough data | #### Integration | Feature | GoCardless | Square Payments | |---|---|---| | **Agnostic Integration** | 9.6 (9 reviews) | Not enough data | | **Reporting Consolidation** | 9.0 (12 reviews) | Not enough data | | **Plugins and APIs** | 8.6 (12 reviews) | Not enough data | #### Payment Types | Feature | GoCardless | Square Payments | |---|---|---| | **AP Automation** | 8.3 (7 reviews) | Not enough data | | **E-Commerce** | Feature Not Available | Not enough data | | **Retail** | Feature Not Available | Not enough data | #### Agentic AI - Enterprise Payment | Feature | GoCardless | Square Payments | |---|---|---| | **Adaptive Learning** | Not enough data | Not enough data | ### Installment Payment and Buy Now Pay Later (BNPL) | Product | Score | Reviews | |---|---|---| | **GoCardless** | 9.2/10 | 29 | | **Square Payments** | N/A | N/A | #### Administration - Installment Payment and Buy Now Pay Later (BNPL) | Feature | GoCardless | Square Payments | |---|---|---| | **Email Notifications** | 9.1 (23 reviews) | Not enough data | | **Invoicing** | 9.0 (17 reviews) | Not enough data | | **Customer Portal** | Feature Not Available | Not enough data | | **Loyalty Management** | Feature Not Available | Not enough data | #### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL) | Feature | GoCardless | Square Payments | |---|---|---| | **Payment Gateway** | 9.2 (17 reviews) | Not enough data | | **Payment Tracking** | 9.3 (23 reviews) | Not enough data | | **E-commerce Integration** | Feature Not Available | Not enough data | | **Payment Scheduling** | 9.6 (26 reviews) | Not enough data | #### Agentic AI - Installment Payment and Buy Now Pay Later (BNPL) features | Feature | GoCardless | Square Payments | |---|---|---| | **Adaptive Learning** | Not enough data | Not enough data | | **Proactive Assistance** | Not enough data | Not enough data | | **Decision Making** | Not enough data | Not enough data | ### Payment Processing | Product | Score | Reviews | |---|---|---| | **GoCardless** | 8.3/10 | 117 | | **Square Payments** | 8.5/10 | 69 | #### Payment Processing | Feature | GoCardless | Square Payments | |---|---|---| | **Encryption** | 9.2 (74 reviews) | 9.0 (50 reviews) | | **Credit Card Processing** | Feature Not Available | 9.4 (59 reviews) | | **Mobile Payments** | Feature Not Available | 9.4 (52 reviews) | | **Digital Wallet Integration** | Feature Not Available | 8.8 (40 reviews) | #### Administration | Feature | GoCardless | Square Payments | |---|---|---| | **Reporting & Analytics** | 8.3 (70 reviews) | 8.8 (51 reviews) | | **E-commerce Integration** | 8.4 (43 reviews) | 8.4 (38 reviews) | | **Processing Fees** | 7.9 (90 reviews) | 7.1 (58 reviews) | | **POS Integration** | Feature Not Available | 8.9 (45 reviews) | | **Omnichannel** | 7.3 (30 reviews) | 8.6 (30 reviews) | | **Levels 1 & 2** | Feature Not Available | 8.3 (28 reviews) | | **Level 3** | Feature Not Available | 8.0 (22 reviews) | #### Payment Options | Feature | GoCardless | Square Payments | |---|---|---| | **Multi-Currency** | 7.7 (24 reviews) | 7.6 (26 reviews) | | **Online payment portal** | 8.2 (36 reviews) | 9.1 (37 reviews) | #### Security | Feature | GoCardless | Square Payments | |---|---|---| | **POS Verification** | Feature Not Available | 8.8 (33 reviews) | #### Platform | Feature | GoCardless | Square Payments | |---|---|---| | **Accounting integration** | 9.1 (44 reviews) | 8.3 (30 reviews) | | **E-commerce Integration** | 8.4 (25 reviews) | 8.6 (30 reviews) | ### Contractor Payments | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **Square Payments** | 9.5/10 | 5 | #### Platform Basics | Feature | GoCardless | Square Payments | |---|---|---| | **Performance** | Not enough data | 10.0 (5 reviews) | | **Portal** | Not enough data | 9.7 (5 reviews) | #### Platform Administration | Feature | GoCardless | 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 | GoCardless | 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 & Finance | Product | Score | Reviews | |---|---|---| | **GoCardless** | N/A | N/A | | **Square Payments** | N/A | N/A | #### Agentic AI - Accounting & Finance | Feature | GoCardless | Square Payments | |---|---|---| | **Autonomous Task Execution** | Not enough data | Not enough data | --- ## Categories **Shared Categories (2):** [Payment Processing Software](https://www.g2.com/categories/payment-processing), [Payment Gateways](https://www.g2.com/categories/payment-gateways) **Unique to GoCardless (3):** [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl), [Enterprise Payment Software](https://www.g2.com/categories/enterprise-payment), [Subscription Revenue Management Software](https://www.g2.com/categories/subscription-revenue-management) **Unique to Square Payments (1):** [ Contractor Payment Software](https://www.g2.com/categories/contractor-payments) --- ## Reviewer Demographics ### By Company Size | Segment | GoCardless | Square Payments | |---|---|---| | **Small-Business** | 92.9% | 89.7% | | **Mid-Market** | 5.8% | 9.1% | | **Enterprise** | 1.3% | 1.2% | ### By Industry #### GoCardless - **Accounting:** 13.6% - **Marketing and Advertising:** 11.0% - **Information Technology and Services:** 10.4% - **Health, Wellness and Fitness:** 6.1% - **Internet:** 5.2% - **Computer Software:** 4.2% - **Telecommunications:** 3.9% - **Sports:** 2.9% - **Design:** 2.3% - **Non-Profit Organization Management:** 1.9% - **Other:** 38.5% #### 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 GoCardless - [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2743 reviews) - [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 reviews) - [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (452 reviews) - [Amazon Pay for Business](https://www.g2.com/products/amazon-pay-for-business/reviews) — 4.5/5 stars (583 reviews) - [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 4.0/5 stars (43 reviews) - [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews) - [Venmo](https://www.g2.com/products/paypal-venmo/reviews) — 4.6/5 stars (269 reviews) - [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4094 reviews) - [Chargebee](https://www.g2.com/products/chargebee/reviews) — 4.4/5 stars (978 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 (2743 reviews) - [Adyen Payments](https://www.g2.com/products/adyen-payments/reviews) — 4.0/5 stars (43 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) - [Stripe Connect](https://www.g2.com/products/stripe-connect/reviews) — 4.4/5 stars (249 reviews) --- ## Top Discussions ### GoCardless - Title: [Is there any other type of payments being accepted?](https://www.g2.com/discussions/31022-is-there-any-other-type-of-payments-being-accepted) — 2 comments, 1 upvote *(includes official response)* > **Top comment:** "We're building the best way to collect recurring payments. As a result, we are optimising for the payment method that is best suited for recurring revenue..." - Title: [I recommend any organization wishing to use automatic payments to use GoCardless because it meets the most requirements with advantageous pricin ?](https://www.g2.com/discussions/i-recommend-any-organization-wishing-to-use-automatic-payments-to-use-gocardless-because-it-meets-the-most-requirements-with-advantageous-pricin) — 1 comment, 1 upvote > **Top comment:** "Very satisfactory and recommended. " - Title: [What do I do about pending payments](https://www.g2.com/discussions/what-do-i-do-about-pending-payments) — 1 comment, 1 upvote > **Top comment:** "Wait for the to be settled, GoCardless will be able to assist you if you would like to any extra information or guidance to maybe speed up the process of the..." - Title: [A-When will we be able to choose the moment when the transfer is made, i.e., choose to receive the funds on a predictable date? B-The display during registration should first offer to fill in information for a company. Currently, you have to click a button first for the information entry for companies to appear. However, SEPA direct debit is mostly for companies, not for individuals.](https://www.g2.com/discussions/37749-a-quand-pourra-t-on-choisir-le-moment-ou-le-virement-se-fait-cad-choisir-de-recevoir-les-fonds-a-une-date-previsible-b-il-faudrait-que-l-affichage-lors-de-l-inscription-propose-en-premier-de-remplir-des-infos-pour-une-entreprise-actuellement-il-faut) — 1 comment, 1 upvote *(includes official response)* > **Top comment:** "Hello, we thank you for your comment. A - By logging into your merchant account, you can choose the debit date for each payment made using GoCardless. The..." - Title: [Will it be possible one day to have invoices automatically generated for my clients (1 invoice per payment plan)?](https://www.g2.com/discussions/37284-sera-t-il-possible-un-jour-d-avoir-des-factures-editees-automatiquement-pour-mes-clients-1-facture-par-plan-de-paiement) — 1 comment, 1 upvote *(includes official response)* > **Top comment:** "Hello. Our solutions do not generate invoices for end customers, but we have partner billing software that can assist you with this. You can view our list of..." ### 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/gocardless-vs-square-payments)