Square vs PayJunction

Square is a good credit card processor for low-volume businesses. How does it compare to PayJunction? Read our comparison chart below.

Square has a low swipe fee of 2.6% + $0.10 per transaction. It has no monthly fees, no contract, and no chargeback fees. Square offers a free swipe reader, feature-rich POS app, free virtual terminal, and free online store.

While PayJunction charges a baseline rate of Interchange + 0.75% for all credit card transactions. For existing businesses, PayJunction will match or beat your existing rates. There is no contract.

Compare Square with PayJunction, side-by-side.

	Square	PayJunction

	Visit Site	Learn More
	SPECIAL OFFER Square Reader: Free Mobile Credit Card Reader - Learn More Read Square Review
	Benefits and Features
Monthly Fee	Starts at $0/mo	$35 monthly fee if you process below $10,000/mo
Good For	Mobile & small businesses with average transaction over $100	Established retail businesses processing $10,000 or more per month.
Equipment	Card reader: $0 to $59; Stand, Terminal, and Register available for purchase	POS (EMV, Magstripe, Contactless, NFC), Mobile Payment Processing, ACH Payments, Recurring Billing, Online Processing
Accept International Payments	USD payments only
Customer Service	Phone, Email, Live Chat Support, Seller Community	Phone, Email, Help Center
Fraud Prevention Tools
Invoice Management
Pricing Model	Flat rate	Interchange-Plus
Recurring Billing
ACH Payments	1% ($1 minimum)
Swipe Rate	2.6% + $0.10	Interchange + 0.75%
Online Rate	2.9% + $0.30	Interchange + 0.75%
Keyed-in Transaction Fee	3.5% + $0.15	Interchange + 0.75%
Deposit Time	Payments before 5PM PT / 8 PM ET is available the next business day	1 day
Chargeback Fee	None
	CreditDonkey® Reviews

Price
Equipment
Contract
Customer Service
Ecommerce
High Volume Business
Low Volume Business
Pros & Cons	Pros: No monthly or annual fee Free swipe card reader Low, predictable fixed rates Cons: Flat-rate pricing can be expensive for larger businesses Costly add-on services
Bottom Line	Good credit card processor for low-volume businesses... Read full review
	Visit Site	Learn More
	Square Reader: Free Mobile Credit Card Reader Square Contactless and Chip Card Reader Square Terminal
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Square Reader: Free Mobile Credit Card Reader

Pay 2.6% + 10¢ Per Swipe for Visa, Mastercard, Discover, and American Express
Accept Credit Cards Anywhere
Fast Setup, No Commitments

Get Free Reader

Square Contactless and Chip Card Reader

Pay 2.6% + 10¢ per tap or dip for Visa, Mastercard, Discover, and American Express
Accept Chip Cards and Contactless Payments Anywhere

Learn More

Square Terminal

Learn More

2.6% + 10¢ per tap, dip, or swipe
Fully integrated POS system with built-in receipt printer
5.5" display

Still need help deciding which merchant services is better? Read the in-depth reviews below. You may also be interested in comparing Square or Stripe.