# Square Payments vs Usio Comparison
---
## AI Generated Summary
- **G2 reviewers report** that Square Payments excels in user-friendliness, with many users highlighting its "fast and easy to use" interface. This is particularly beneficial for small businesses looking for a straightforward payment solution.
- **Users say** that Usio stands out for its exceptional customer support, with one reviewer praising the "support team for questions regarding merchant processing." This can be a crucial factor for businesses that require reliable assistance during payment processing.
- **Reviewers mention** that Square Payments offers seamless integration for event payments, making it a popular choice for organizations needing to accept card payments during in-person activations. Users appreciate the "automatic daily deposits into our bank account," which enhances cash flow management.
- **According to verified reviews** , Usio provides a unique feature for sending virtual gift cards, which users find easy to manage. The ability to make quick adjustments, such as correcting amounts, adds to its appeal for businesses that need flexibility in their transactions.
- **Users highlight** that while Square Payments has a strong presence in the small business market, Usio's free entry-level pricing makes it an attractive option for startups or businesses with tighter budgets looking to minimize upfront costs.
- **Reviewers note** that both platforms have strong performance and reliability, but Usio edges out with higher ratings in customer support and ease of setup, making it a favorable choice for users who prioritize a smooth onboarding experience.



| | Square Payments | Usio | 
|---|---|---|
| **Star Rating** | 4.5 out of 5 | 5.0 out of 5 | 
| **Total Reviews** | 176 | 24 | 
| **Largest Market Segment** | Small-Business (89.7% of reviews) | Small-Business (54.2% of reviews) | 
| **Entry Level Price** | No pricing available | Contact Us 0 N/A | 

---
## Top Pros & Cons

### Square Payments

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

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

### Usio

Pros:
- Customer Support (3 reviews)
- Features (2 reviews)

Cons:
- Limited Features (1 reviews)

---
## Ratings Comparison
| Rating | Square Payments | Usio | 
|---|---|---|
  | **Meets Requirements** | 9.3 (130 reviews) | 9.7 (15 reviews) | 
  | **Ease of Use** | 9.5 (131 reviews) | 9.8 (17 reviews) | 
  | **Ease of Setup** | 9.1 (56 reviews) | 9.8 (16 reviews) | 
  | **Ease of Admin** | 9.2 (42 reviews) | Not enough data | 
  | **Quality of Support** | 8.5 (103 reviews) | 9.9 (15 reviews) | 
  | **Has the product been a good partner in doing business?** | 8.9 (42 reviews) | Not enough data | 
  | **Product Direction (% positive)** | 8.2 (125 reviews) | 10.0 (12 reviews) | 

---
## Pricing

### Square Payments

#### Entry-Level Pricing

No pricing available

#### Free Trial

No information available

### Usio

#### Entry-Level Pricing

Plan: Disbursements

Price: Contact Us 0 N/A

Description: Usio puts you firmly in control of every dollar leaving the organization. Usio centralizes outbound payments into a single, disciplined platform designed to reduce cost, enforce governance, and execute with precision at scale. From ACH and checks to modern electronic payout methods, card issuing, and digital cards, Usio replaces fragmented processes with predictable, compliant disbursement operations. You gain clearer cash flow visibility, stronger oversight, and confidence that payments are executed accurately and on time. This is a disbursement infrastructure built for executives who demand efficiency, accountability, and operational command.

Key Features:
- Lower cost per payment through consolidated and optimized payout methods.
- Centralized control over spend with the ability to restrict and manage transactions by MCC codes.
- Instant funding capabilities that load funds in real time and improve liquidity management.

[Browse all 3 editions](https://www.g2.com/products/usio/pricing)

#### Free Trial

Yes

---
## Features Comparison By Category

### Payment Gateways

| Product | Score | Reviews |
|---|---|---|
| **Square Payments** | 8.9/10 | 49 |
| **Usio** | 9.5/10 | 9 |

#### Payment Options

| Feature | Square Payments | Usio | 
|---|---|---|
| **Coupons, Discounts, Promotions, and Gift Cards** | 8.6 (14 reviews) | Not enough data | 
| **Recurring Billing** | 9.3 (10 reviews) | Not enough data | 
| **Instant Payment** | 9.4 (14 reviews) | Not enough data | 
| **Accepted Credit Cards and Debit Cards** | 9.9 (15 reviews) | 10.0 (5 reviews) | 
| **ACH Payments and eCheck Processing** | 9.0 (10 reviews) | 10.0 (5 reviews) | 
| **Split Payments** | 9.5 (11 reviews) | Not enough data | 
| **Real-Time Payments** | 9.7 (13 reviews) | Not enough data | 
| **Multi-Currency** | 7.6 (26 reviews) | Feature Not Available | 
| **Online payment portal** | 9.1 (37 reviews) | Not enough data | 

#### Administration

| Feature | Square Payments | Usio | 
|---|---|---|
| **Reporting/Dashboards** | 9.2 (14 reviews) | 9.3 (5 reviews) | 
| **User, Role, and Access Management** | 9.6 (15 reviews) | Not enough data | 
| **Payout Time** | 9.1 (15 reviews) | Not enough data | 
| **Manual Payment Entry** | 8.6 (14 reviews) | Not enough data | 
| **Dispute Resolution** | 7.6 (12 reviews) | Not enough data | 
| **Omnichannel** | 8.6 (30 reviews) | Not enough data | 
| **Levels 1 & 2** | 8.3 (28 reviews) | Not enough data | 
| **Level 3** | 8.0 (22 reviews) | Not enough data | 

#### Security

| Feature | Square Payments | Usio | 
|---|---|---|
| **PCI Compliance** | 9.1 (9 reviews) | 10.0 (5 reviews) | 
| **Fraud Protection Tools** | 9.7 (11 reviews) | 9.3 (5 reviews) | 
| **Data Tokenization** | 9.4 (9 reviews) | Not enough data | 
| **Two-Factor Authentication** | 9.6 (12 reviews) | Not enough data | 
| **POS Verification** | 8.8 (33 reviews) | Not enough data | 

#### Development

| Feature | Square Payments | Usio | 
|---|---|---|
| **Customization (Fields, Objects, and Layouts)** | 8.3 (11 reviews) | Not enough data | 
| **APIs** | 9.4 (9 reviews) | 8.9 (6 reviews) | 
| **Accounting Software Integration** | 7.8 (10 reviews) | Not enough data | 
| **E-Commerce Software Integration** | 8.0 (11 reviews) | Not enough data | 

#### Platform

| Feature | Square Payments | Usio | 
|---|---|---|
| **Performance and Reliability** | 9.4 (12 reviews) | 9.2 (6 reviews) | 
| **Internationalization - Currency/Language** | 9.0 (10 reviews) | Feature Not Available | 
| **Internationalization - Operating Country** | 8.5 (8 reviews) | Not enough data | 
| **API / Integrations** | 7.9 (8 reviews) | 9.0 (5 reviews) | 
| **PCI Regulation Compliance** | 9.2 (6 reviews) | Not enough data | 
| **Supplemental Technology** | 9.3 (7 reviews) | Not enough data | 
| **Accounting integration** | 8.3 (30 reviews) | Not enough data | 
| **E-commerce Integration** | 8.6 (30 reviews) | Not enough data | 

#### Agentic AI - Payment Gateways

| Feature | Square Payments | Usio | 
|---|---|---|
| **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 | 

### Installment Payment and Buy Now Pay Later (BNPL)

| Product | Score | Reviews |
|---|---|---|
| **Square Payments** | N/A | N/A |
| **Usio** | N/A | N/A |

#### Administration - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | Square Payments | Usio | 
|---|---|---|
| **Email Notifications** | Not enough data | Not enough data | 
| **Invoicing** | Not enough data | Not enough data | 
| **Customer Portal** | Not enough data | Not enough data | 
| **Loyalty Management** | Not enough data | Not enough data | 

#### Payment Tools - Installment Payment and Buy Now Pay Later (BNPL)

| Feature | Square Payments | Usio | 
|---|---|---|
| **Payment Gateway** | Not enough data | Not enough data | 
| **Payment Tracking** | Not enough data | Not enough data | 
| **E-commerce Integration** | Not enough data | Not enough data | 
| **Payment Scheduling** | Not enough data | Not enough data | 

#### Agentic AI  - Installment Payment and Buy Now Pay Later (BNPL) features

| Feature | Square Payments | Usio | 
|---|---|---|
| **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 |
|---|---|---|
| **Square Payments** | 8.5/10 | 69 |
| **Usio** | N/A | N/A |

#### Payment Processing

| Feature | Square Payments | Usio | 
|---|---|---|
| **Encryption** | 9.0 (50 reviews) | Not enough data | 
| **Credit Card Processing** | 9.4 (59 reviews) | Not enough data | 
| **Mobile Payments** | 9.4 (52 reviews) | Not enough data | 
| **Digital Wallet Integration** | 8.8 (40 reviews) | Not enough data | 

#### Administration

| Feature | Square Payments | Usio | 
|---|---|---|
| **Reporting & Analytics** | 8.8 (51 reviews) | Not enough data | 
| **E-commerce Integration** | 8.4 (38 reviews) | Not enough data | 
| **Processing Fees** | 7.1 (58 reviews) | Not enough data | 
| **POS Integration** | 8.9 (45 reviews) | Not enough data | 
| **Omnichannel** | 8.6 (30 reviews) | Not enough data | 
| **Levels 1 & 2** | 8.3 (28 reviews) | Not enough data | 
| **Level 3** | 8.0 (22 reviews) | Not enough data | 

#### Payment Options

| Feature | Square Payments | Usio | 
|---|---|---|
| **Multi-Currency** | 7.6 (26 reviews) | Feature Not Available | 
| **Online payment portal** | 9.1 (37 reviews) | Not enough data | 

#### Security

| Feature | Square Payments | Usio | 
|---|---|---|
| **POS Verification** | 8.8 (33 reviews) | Not enough data | 

#### Platform

| Feature | Square Payments | Usio | 
|---|---|---|
| **Accounting integration** | 8.3 (30 reviews) | Not enough data | 
| **E-commerce Integration** | 8.6 (30 reviews) | Not enough data | 

### Payment Card Issuance

| Product | Score | Reviews |
|---|---|---|
| **Square Payments** | N/A | N/A |
| **Usio** | N/A | N/A |

#### Card Management

| Feature | Square Payments | Usio | 
|---|---|---|
| **Card Types** | Not enough data | Not enough data | 
| **Card Controls** | Not enough data | Not enough data | 
| **Card Personalization** | Not enough data | Not enough data | 
| **Configuration** | Not enough data | Not enough data | 
| **Fulfillment** | Not enough data | Not enough data | 
| **Replacement** | Not enough data | Not enough data | 

#### Controls

| Feature | Square Payments | Usio | 
|---|---|---|
| **Tokenization** | Not enough data | Not enough data | 
| **Security** | Not enough data | Not enough data | 
| **Card Networks** | Not enough data | Not enough data | 
| **Integration** | Not enough data | Not enough data | 
| **Testing** | Not enough data | Not enough data | 
| **APIs** | Not enough data | Not enough data | 

### Contractor Payments

| Product | Score | Reviews |
|---|---|---|
| **Square Payments** | 9.5/10 | 5 |
| **Usio** | N/A | N/A |

#### Platform Basics

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

#### Platform Administration

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

#### Platform Payment Content

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

### Embedded Payments

| Product | Score | Reviews |
|---|---|---|
| **Square Payments** | N/A | N/A |
| **Usio** | N/A | N/A |

#### Payments - Embedded Payments

| Feature | Square Payments | Usio | 
|---|---|---|
| **Processing** | Not enough data | Not enough data | 
| **Fraud Protection** | Not enough data | Not enough data | 
| **Payment Methods** | Not enough data | Not enough data | 

#### Personalization - Embedded Payments

| Feature | Square Payments | Usio | 
|---|---|---|
| **Customer Onboarding** | Not enough data | Not enough data | 
| **Checkout Customization** | Not enough data | Not enough data | 
| **Localization** | Not enough data | Not enough data | 
| **Merchant Portal** | Not enough data | Not enough data | 

#### Setup - Embedded Payments

| Feature | Square Payments | Usio | 
|---|---|---|
| **Payment Flows** | Not enough data | Not enough data | 
| **APIs** | Not enough data | Not enough data | 
| **Dispute Management** | Not enough data | Not enough data | 

#### Analytics - Embedded Payments

| Feature | Square Payments | Usio | 
|---|---|---|
| **Transactions** | Not enough data | Not enough data | 
| **Reconciliation** | Not enough data | Not enough data | 
| **Revenue** | Not enough data | Not enough data | 

#### Agentic AI - Embedded Payments

| Feature | Square Payments | Usio | 
|---|---|---|
| **Cross-system Integration** | 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 Square Payments (1):** [ Contractor Payment Software](https://www.g2.com/categories/contractor-payments)

**Unique to Usio (3):** [Embedded Payments Software](https://www.g2.com/categories/embedded-payments), [Payment Card Issuance Software](https://www.g2.com/categories/payment-card-issuance), [Installment Payment and Buy Now Pay Later (BNPL) Software](https://www.g2.com/categories/installment-payment-and-buy-now-pay-later-bnpl)


---
## Reviewer Demographics

### By Company Size

| Segment | Square Payments | Usio | 
|---|---|---|
| **Small-Business** | 89.7% | 54.2% | 
| **Mid-Market** | 9.1% | 41.7% | 
| **Enterprise** | 1.2% | 4.2% | 

### By Industry

#### 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%

#### Usio

- **Banking:** 23.5%
- **Financial Services:** 17.6%
- **Health, Wellness and Fitness:** 11.8%
- **Computer Software:** 11.8%
- **Utilities:** 5.9%
- **Real Estate:** 5.9%
- **Non-Profit Organization Management:** 5.9%
- **Medical Practice:** 5.9%
- **Consumer Services:** 5.9%
- **Accounting:** 5.9%

---
## Alternatives

### 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 (39 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 (450 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)

### Alternatives to Usio

- [PayPal Payments](https://www.g2.com/products/paypal/reviews) — 4.4/5 stars (2745 reviews)
- [Stripe Payments](https://www.g2.com/products/stripe-stripe-payments/reviews) — 4.2/5 stars (450 reviews)
- [Payoneer](https://www.g2.com/products/payoneer/reviews) — 3.2/5 stars (368 reviews)
- [Navan (Formerly TripActions)](https://www.g2.com/products/navan-formerly-tripactions/reviews) — 4.7/5 stars (9099 reviews)
- [Birdeye](https://www.g2.com/products/birdeye/reviews) — 4.7/5 stars (4091 reviews)
- [Thryv](https://www.g2.com/products/thryv/reviews) — 4.2/5 stars (2001 reviews)
- [BILL AP/AR](https://www.g2.com/products/bill-ap-ar/reviews) — 4.4/5 stars (1806 reviews)
- [Pleo](https://www.g2.com/products/pleo/reviews) — 4.7/5 stars (1435 reviews)
- [Emburse Spend (formerly Abacus)](https://www.g2.com/products/emburse-spend-formerly-abacus/reviews) — 4.5/5 stars (1121 reviews)
- [Circula](https://www.g2.com/products/circula/reviews) — 4.6/5 stars (1059 reviews)

---
## Top Discussions

### 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..."

### Usio

No discussions available for this product.

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