10 finest Sq. alternate options for 2023

Sq. is a well-liked software program answer for small companies within the retail, hospitality, and restaurant industries. You should use the platform to deal with funds, construct buyer relationships, and handle your staff, and customers reward it for its reliability, easy design, and ease of use.

However Sq.’s processing charges are greater than a few of its opponents, and small companies with tight margins may not have the ability to justify the associated fee. That’s very true when you think about Sq. doesn’t supply different important instruments like auto-scheduling and messaging.

That’s why we’ve put collectively this record of the perfect Sq. alternate options so that you can contemplate. We’ve researched them primarily based on how they match as much as Sq. on pricing, options, use circumstances, and assist, so let’s start.

Greatest Sq. alternate options

  1. Homebase
  2. PayPal Zettle
  3. Shopify
  4. Toast
  5. eHopper
  6. Clover
  7. LightSpeed
  8. QuickBooks
  9. Gusto
  10. Payanywhere

1. Homebase: Greatest all-in-one staff administration answer

Homebase is an all-in-one HR answer that focuses on small companies throughout a variety of industries like retail and hospitality. You possibly can entry lots of our scheduling, time monitoring, and messaging options with a free account. However for those who want extra flexibility and management, you’ll be able to improve and likewise obtain HR and payroll.

Whereas Sq. provides most of the identical administration instruments as Homebase, it lacks sure important options like auto-scheduling and messaging that prevent money and time.


Screenshot of an autopopulated schedule on Homebase.
Homebase provides time-saving instruments like auto-scheduling, which Sq.’s staff administration options lack.

Scheduling might be one of the crucial time-consuming duties in your to-do record. That’s why you want as many options to streamline the method as doable. Like Sq., Homebase enables you to save time by letting employees declare open shifts and prepare trades and covers through our app. However Homebase additionally provides auto-scheduling capabilities to create error-free timetables primarily based on staff availability and previous timetables in just about no time.

Time clock and timesheets

Screenshot of the touchscreen pin pad on Homebase's time clock feature.
The Homebase time clock verifies your staff’s arrival instances by checking their location after they enter their particular person PIN.

In addition to being profitable via gross sales, your enterprise additionally wants to chop pointless prices the place it may. That features labor leakage from staff arriving early, leaving late, and even clocking in for one another — also called buddy punching. Though Homebase and Sq. each have time clock instruments, solely our platform has GPS verification, which suggests you’ll be able to observe your staff’s hours precisely and forestall time theft.

Crew messaging

Screenshot of a message requesting cover for an absent employee open on the Homebase dashboard.
Rapidly message employees with Homebase’s built-in staff communication app.

Once in a while, you’ll have to contact staff members immediately to rearrange last-minute schedule modifications or assist clear up issues whilst you’re off-site. However utilizing chat apps like Fb Messenger and Whatsapp means switching between totally different platforms. Homebase has its personal built-in messaging characteristic so you’ll be able to contact staff straight from the platform.

Level-of-sale integrations

Screenshot of all the eleven POS integrations that Homebase offers.
Homebase permits you to select from a number of the perfect POS integrations to course of gross sales for your enterprise.

Though Homebase doesn’t have a local POS product, it integrates with many common POS suppliers. Which means you’ll be able to simply sync your schedule along with your until and get helpful analytics like your labor-to-sales ratio. That’s important to be sure you’re adequately staffed however aren’t reducing too deeply into your labor price range.


Homebase has a free plan with all the essential scheduling, time monitoring, and communication instruments. Apart from that, it has three month-to-month plans which might be priced per location, so your prices gained’t improve as you rent:

  • Necessities for $24.95 monthly so as to add further instruments like shift notes and GPS monitoring for the time clock. 
  • Plus for $59.95 monthly for onboarding instruments and doc administration.
  • All-in-one for $99.95 monthly to get the complete vary of HR and compliance instruments, together with dwell entry to certified professionals for recommendation and assist. 

You can even add Homebase’s payroll product as a separate add-on for $39 monthly plus $6 per worker. That approach, you’ll be able to select whether or not you wish to swap to Homebase or preserve utilizing the software you’re accustomed to.

You can even save 20% if you decide to an annual plan with Homebase.

2. PayPal Zettle: Greatest for worldwide funds

Overlapping images of a Zettle screenshot and POS device.
Zettle is a well-liked fee processor with a wide range of gross sales {hardware}. Source

Zettle is a subsidiary of PayPal that provides fee processing, level of sale (POS) programs, and instruments that can assist you handle enterprise operations like threat administration and information analytics. Like Sq., it additionally has a spread of until gear and doesn’t cost a month-to-month fee for bank card transactions. Nevertheless, Zettle caters to a extra worldwide market than Sq., which has largely US prospects.


  • Fee processing: Simply settle for a wide range of fee strategies, together with on-line checkout, POS, and invoices.
  • Monetary providers: Develop your enterprise by making use of for playing cards and loans.
  • Operational instruments: Handle a few of your every day challenges like returns, disputes, and transport utilizing synthetic intelligence and automations.


By way of fee processing, Zettle expenses 2.29% plus $0.09 for in-person gross sales and three.49% plus $0.09 for keyed-in gross sales. That is decrease than Sq., and there’s no month-to-month payment for US {dollars} both. Different currencies could also be subjected to a hard and fast payment fee.

In any other case, Zettle has a customized paid plan for its monetary providers and administration instruments. 

3. Shopify: Greatest for e-commerce

Photo of an employee conducting a sale using the Shopify app.
Shopify is an e-commerce platform that provides decrease fee processing charges than Sq.. Source

Just like Sq., Shopify caters to companies of all sizes and industries. Each supply fee processing providers and promote gear like point-of-sale (POS) programs. However the place Sq. is primarily designed for processing funds, Shopify focuses extra on e-commerce with instruments for constructing, designing, and working your on-line retailer. 


  • Begin-up instruments: Create and customise your individual web site and construct an simply recognizable model.
  • Fee processing: Promote merchandise throughout a number of channels, for instance, in a bodily retailer, on social media, and in on-line marketplaces. 
  • Advertising instruments: Attain your on-line viewers utilizing Shopify’s vary of content material advertising and marketing, promoting, and social-selling options.


Shopify has three plans with totally different charges and processing charges. As you’ll be able to see, the upper the price of the plan, the decrease the payment share:

  • Primary for $39 monthly with charges of two.9%, plus $0.30 on-line and a couple of.7% in individual. 
  • Shopify for $105 monthly with charges of two.6% plus $0.30 on-line and a couple of.5% in individual.
  • Superior for $399 monthly with charges of two.4%, plus $0.30 on-line and a couple of.4% in individual. With this plan, you’ll be able to add 15 employees accounts and get customized stories.

4. Toast: Greatest for tip administration

Photo of the Toast payroll feature on a tablet.
Restaurant managers and house owners might respect Toast’s vary of ordering and delivering options. Source

Toast is a restaurant administration software program with fee processing, worker administration, and advertising and marketing instruments. Many options goal challenges particular to companies that serve meals and drinks, like computerized tip splitting and fee through QR codes on menus. Sq. provides a plan for eating places however doesn’t present the identical industry-specific options.


  • Restaurant administration: Streamline inside operations from ordering to invoice funds. Guarantee no orders get misplaced on their technique to or from the kitchen.
  • Worker administration: Schedule, observe, and pay your staff all from the identical platform.
  • Supply instruments: Allow on-line ordering, supply, and take-out choices to your prospects.
  • Advertising: Arrange loyalty, rewards, and present card packages to drive repeat visits.
  • Buyer assist: Toast provides 24/7 assist for setup issues or challenges.


Toast’s processing charges are round 2.69%, and there are three paid plans obtainable:

  • Core for $69 monthly to entry fee processing, reporting, and analytics.
  • Progress for $165 monthly for ordering and supply options.

There’s additionally a free plan for the fundamentals and a customized priced plan for stock, advantages, and worker administration. Like Homebase, Toast provides payroll as a separate (extra pricey!)add-on of $110 month-to-month plus $4 per worker.

5. eHopper: Greatest worth for micro companies

Screenshot of the employee management feature on eHopper.
eHopper is without doubt one of the few fee processors that has a free plan. Source

Enterprise house owners who’re simply beginning out could also be significantly price range acutely aware. eHopper is considerably distinctive in that it doesn’t cost a month-to-month fee or processing charges. As a substitute, customers can benefit from the free plan and select whether or not to purchase point-of-sale gear individually.


  • Fee processing: Settle for as much as 500 bank card funds a month with no processing charges. 
  • Restaurant instruments: eHopper provides options for eating places, like on-line order administration and promoting.


eHopper provides a free plan that’s well-suited to companies that count on to course of a low quantity of month-to-month funds. Limitless transactions can be found with the paid plan at $29.99 monthly, although its options are extra fundamental than most different platforms.

6. Clover: Greatest for banks and insurance coverage firms

Photo of a sale on a Clover POS device.
Companies in monetary providers might discover Clover’s wide selection of fee assist choices fascinating. Source

Clover is a POS software program answer designed with small to medium-sized companies in thoughts. Its assist for a variety of fee strategies — like paper checks — may be precious for these in banking or insurance coverage. It additionally has a spread of options focused at retail and eating places. 


  • Worker administration: Just like Homebase, Clover enables you to schedule, observe employees hours, and rent new staff members.
  • Fee processing: Settle for something from playing cards to contactless funds and checks.
  • Buyer engagement: Acquire information in your prospects through their card funds, construct profiles, and tailor your advertising and marketing campaigns to them.


Clover provides customized paid plans primarily based in your particular enterprise wants. Processing charges vary from 2.3% plus $0.10 to three.5% plus $0.10. 

7. Lightspeed: Greatest for high-inventory retail companies

Overlapping images of the Lightspeed app on a tablet, a sales progress icon, and a hand holding a credit card.
Get a deal with in your retail enterprise with Lightspeed’s stock administration. Source

Small companies with high-inventory on-line shops might discover Lightspeed fascinating. The eCommerce web site provides a number of fee processing, on-line gross sales, and advertising and marketing instruments. You can even combine along with your alternative of payroll software program, together with Homebase. 

When you’re within the retail, restaurant, or golf {industry}, Lightspeed additionally has a specialist product line for you.


  • Fee processing: Perform all your enterprise transactions effortlessly.
  • Retail instruments: Monitor and handle stock throughout classes like coloration and measurement.
  • Restaurant instruments: Let prospects order from wherever and show their orders in your storefront and kitchen boards.


Lightspeed expenses 2.6% plus $0.10 for card transactions and a couple of.6% plus $0.30 for on-line funds. It additionally has three paid plans that each one embody a POS machine and a register:

  • Lean for $139 monthly, which incorporates fee instruments.
  • Commonplace for $199 monthly to entry eCommerce and accounting options.
  • Superior for $319 monthly, which incorporates buyer loyalty schemes and superior reporting.

There’s additionally a customized priced enterprise plan that provides a devoted buyer success supervisor and decrease charges.

8. QuickBooks: Greatest for small enterprise accounting

Overlapping screenshots of the desktop and app scheduling features on Quickbooks.
QuickBooks combines HR, accounting, and fee processing to assist handle your enterprise. Source

Intuit QuickBooks began as accounting software program after which branched into worker administration and fee processing. Like Sq., it enables you to schedule employees, observe hours, and run payroll, in addition to settle for funds. Its versatile bookkeeping instruments make it common with the accounting {industry}, whereas its GPS monitoring characteristic may be helpful for distant groups like development crews.


  • Worker administration: Schedule staff members, run payroll, and observe hours — even for touring or distant groups like supply crews or development staff.
  • Accounting: Monitor and handle your enterprise bills and calculate gross sales tax simply.
  • Fee processing: Obtain on or offline funds through a wide range of strategies.


QuickBooks has 4 paid plans:

  • Easy Begin for $30 monthly, and also you get a fundamental vary of bookkeeping options.
  • Necessities for $55 monthly to attach two further gross sales channels and entry invoice administration.
  • Plus for $85 monthly, which incorporates stock administration.
  • Superior for $200 monthly for coaching, batch invoices, and worker bills.

Among the options are additionally obtainable as add-ons:

  • Payroll has plans starting from $45 to $125 monthly in worth.
  • QuickBooks Time for scheduling and time monitoring instruments, which has a decrease value plan for $20 monthly plus $8 per worker or a better value plan for $40 monthly plus $10 per worker.

The processing charges vary from 1-3.5% plus $0.30 cents, relying on the fee methodology.

9. Gusto: Greatest for workers coaching

A screenshot of one of Gusto's dashboards.
Monitor hours utilizing Gusto’s time clock and confirm arrival and departure instances with geolocating instruments. Source

Previously referred to as ZenPayroll, Gusto is an HR platform for companies of all sizes. It enables you to handle your staff, run payroll, and prepare employees advantages. Not like a few of the different opponents on this record, Gusto doesn’t have a built-in fee processing system, nevertheless it does combine with different common apps that do.


  • Worker administration: You possibly can observe employees hours with the Gusto time clock and pay your staff, nevertheless it doesn’t have any scheduling options like Homebase.
  • Expertise administration: Conduct common efficiency critiques to assist staff members enhance professionally and keep on high of any points. You can even combine with coaching apps or add Gusto Studying to entry a wide range of office programs for small companies.
  • POS integrations: Sync Gusto timesheets and payroll along with your alternative of POS apps like Clover and Shopify.


Gusto has two paid month-to-month plans obtainable:

  • Easy for $40 monthly plus $6 per worker for single-state payroll and hiring instruments.
  • Plus for $80 monthly plus $12 per worker for multi-state payroll, depart administration, and next-day fee.

Gusto additionally has a Premium plan with customized pricing, which incorporates compliance alerts, entry to HR professionals, and efficiency critiques.

10. Payanywhere: Greatest for low, predictable charges

Photo of the Payanywhere platform on a tablet with its reader and a coffee cup.
Funds-friendly Payanywhere expenses a flat share for all its providers. Source

Because the title suggests, US-based Payanywhere lets companies use their POS gadgets from job websites, bodily shops, or on-line outlets. Whereas it expenses a barely greater share for funds than Sq., there aren’t some other charges that elevate the associated fee. This makes Payanywhere an inexpensive possibility for companies on a price range.


  • Fee processing: Arrange a wide range of funds like invoices and cellphone orders. Automate fee cycles to avoid wasting your self time and trouble.
  • Stock administration: The free stock instruments make it simple to promote, observe, and restock gadgets.


There’s a flat fee of two.69% for contactless card funds and three.49% plus $0.19 for keyed ones.

How to decide on a Sq. different that fits you

Though Sq. is without doubt one of the main monetary service platforms in the marketplace, its processing charges might make it unsuitable for small, budget-conscious companies. When you want minimal options and wish to prioritize your price range, select eHopper or Payanywhere for worth. And for those who want a fee processor that provides extra superior, focused options, go for Clover or Toast.

However for those who use Sq. for its worker administration instruments and really feel they aren’t versatile sufficient to your wants, Homebase is right. Our all-in-one platform provides scheduling and time monitoring alongside communication options so you’ll be able to handle your enterprise in a single digital house. Plus, we combine with the perfect fee processing and POS instruments, so that you’ll all the time have quick entry to every little thing you want.

**The data above is predicated on our analysis on Sq. alternate options. All consumer suggestions referenced within the textual content has been sourced from impartial software program assessment platforms, reminiscent of G2 and Capterra, in March 2023.