# Square Virtual Terminal Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Square Virtual Terminal Software - reviews, pricing plans, popular comparisons to other Payment Processing products and more. Source: https://www.capterra.com/p/190305/Square-Payments-Processing --- # Square Virtual Terminal Software Review 2026: Features, Integrations, Pros & Cons Last updated on March 13, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[Features](#features)[Pricing](#pricing)[Integrations](#integrations)[Support](#support)[Reviews](#reviews) Square Virtual Terminal ## What is Square Virtual Terminal? Accept every way your customers want to pay with Square Payments. Get a free magstripe reader to swipe credit cards anywhere. Take chip cards and NFC payments with Square Reader for contactless and chip. With Square's credit card processing, you can accept all major cards and get deposits as fast as the next business day. We offer chargeback protection, fraud detection, account takeover protection, and more, so you can focus on your customers. Its free to sign up easy to set up. ## What is Square Virtual Terminal used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Mobile Credit Card Processing](https://www.capterra.com/mobile-credit-card-processing-software/) Overall rating Based on 36 user reviews Reviews sentiment Positive 89% Neutral 8% Negative 3% Contact vendor for pricing Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Square Virtual Terminal?[Manage this product listing](https://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://squareup.com/&name=Square Virtual Terminal) ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Square Virtual Terminal 4.7 (36) VS. [4.6 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.8 (36) Ease Of Use 4.5 (26,261) Value For Money 4.4 (27) Value For Money 4.4 (20,123) Customer Service 4.1 (26) Customer Service 4.2 (20,380) ## Square Virtual Terminal alternatives [4.0 (117)](https://www.capterra.com/p/157492/Fattmerchant-Payments-Online/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 75% of reviewers rated it above 4 stars [4.5 (1,470)](https://www.capterra.com/p/170673/SumUp-Air/reviews/) Starting price $99.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 88% of reviewers rated it above 4 stars Highest Rated [4.9 (82)](https://www.capterra.com/p/276323/Cheddar-Up/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 99% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,283)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) [View all alternatives](https://www.capterra.com/p/190305/Square-Payments-Processing/alternatives/) ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Online Payments 4.7 (10) 90.00% of 10 reviewers that rated this feature as important or highly important Accept and process online payment transactions Point of Sale (POS) 5.0 (9) 66.67% of 9 reviewers that rated this feature as important or highly important Accept and process customer payments for products or services using hardware and software In-Person Payments 5.0 (8) 87.50% of 8 reviewers that rated this feature as important or highly important Transactions that typically involve face-to-face interactions between the payer and the payee Reporting/Analytics 5.0 (7) 57.14% of 7 reviewers that rated this feature as important or highly important View and track pertinent metrics to find patterns and gain insights from data Billing & Invoicing 5.0 (6) 50.00% of 6 reviewers that rated this feature as important or highly important Create, manage, and send invoices or bills to customers Data Security 4.6 (5) 80.00% of 5 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Square Virtual Terminal 28 features Integrate with a third-party accounting system Dashboard to view the status of ongoing processes, identify current incidents and track past activities Application programming interface that allows for integration with other systems/databases Create, manage, and send invoices or bills to customers Financial system that helps create and manage physical/digital credit cards and track transaction activities Accept and process credit card transactions Import and export data to and from software applications Protect sensitive data for digital privacy Accept and process credit/debit card transactions Electronically collect payments for goods or services Identify and prevent suspicious activity Transactions that typically involve face-to-face interactions between the payer and the payee Hardware device connected to smartphones for processing payments Process payments via multiple modes directly through the application Accept and process online payment transactions Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Send clickable links via text or email to collect payments from customers Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) Accept and process customer payments for products or services using hardware and software Workflows that help acquire inventory, issue purchase orders and receive and store items in required quantity Active reporting of data and metrics Upload, track, and submit receipts in a central database Automated process of charging customers at regular intervals for repeated access or use of a product or service Collection, analysis, and representation of numerical data and generation of reports to understand various patterns View and track pertinent metrics to find patterns and gain insights from data Reports specific to sales analysis for trends and strategies Set up connections to third-party platforms to improve business processes Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Get Advice We can help you find the software with the features you need. Features 4.6 (36) 4.6 Based on 36 reviews ## Pricing Value for money 4.4 (27) ### Starting price Contact vendor for pricing Free trial available Value for money 4.4 (27) 4.4 Based on 27 reviews ## Integrations [ Microsoft Excel](https://www.capterra.com/p/176574/Excel/)[ Google Sheets](https://www.capterra.com/p/169718/Google-Sheets/)[ Square Point of Sale](https://www.capterra.com/p/275802/Square-Point-of-Sale/)[ Square Invoices](https://www.capterra.com/p/255193/Square-Invoices/)[ QuickBooks Money](https://www.capterra.com/p/170065/QuickBooks-Money/) Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.1 (26) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.1 (26) 4.1 Based on 26 reviews ## User reviews Overall rating 4.7 Based on 36 reviews Filter by rating 5(29) 4(3) 3(3) 2(1) 1(0) Mentioned topic Sorted by most recent YS YOlanda S. Managed Care Coordinator Hospital & Health Care ### "Square Review" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 March 31, 2025 Pros The ease of making payments to vendors for services received. Cons I have no issues with this product, it has been great to use when available. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. Heather T. Commercial Cleaner Hospitality ### "My thoughts on Square Virtual Terminal " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 3.0 3.0 Likelihood to Recommend 10/10 July 24, 2024 While Square Virtual Terminal's transaction costs and customization choices may be better, it provides a flexible, secure, and user-friendly alternative for handling payments and business activities. Pros The fact that it has no monthly fees, makes it more affordable for small businesses or businesses just getting started. Cons The customer support is good Don't get me wrong, but it can be timely especially during peak hours. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. KD Kiersten D. Baker Food & Beverages ### "The BEST" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 13, 2023 Wonderful experience! I live this thing. I use it all the time and it’s the only thing I’ve ever used for my business. I’ve worked in the food industry for years before starting my own business and square is my favorite payment processing and terminal Pros The ease of use. I can be at home, at a market, at the studio and I can make seamless transactions anywhere with my cake business Cons No cons for the terminal itself. It’s not super expensive, but even if you’re just starting out they offer it on payment plans Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) [Venmo](https://www.capterra.com/p/222572/Venmo-/) [Toast POS](https://www.capterra.com/p/136301/Toast-POS/) Wanted something that would make taking payments quick easy and convenient for me and my customers Alternatives considered [Toast POS](https://www.capterra.com/p/136301/Toast-POS/) Reasons for choosing Square Virtual Terminal I love the look of it and all of the features Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. BK Baljit K. CEO Food & Beverages ### "Convenient and Reliable" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 8/10 May 10, 2022 I love it. Very easy to hook up on the go and charge customers and accept payments. Pros I love that the terminal is so compact and easy to hook up. Easy swipe and easy charge system. Good security that asks for pubs and passwords so customers can't change purchase amounts. Gets the job done. Cons Have to replug the terminal sometimes as it sits and loses connection. Reasons for choosing Square Virtual Terminal Offer showed up as an ad. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CM Christine M. Manager Retail ### "Square Rocks! " 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 May 5, 2022 Pros It’s easy to use. It was already to set up too. Cons I never like paying transaction fees. But it’s comparable. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. AU Anonymous User Owner Retail ### "Great product, but needs work" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 3.0 3.0 Customer Service 0.0 0.0 Likelihood to Recommend 8/10 April 13, 2022 I really like the product, ease of use, and portability, however, the connection issues are really a deterrent. Regarding online payments, I think the product is great for an e-commerce store. However, when you're at an event, whether it's on secured wi-fi or mobile data, the connection is really flakey. Pros The product is very easy to use and the interface is user-friendly. Square makes it very easy to accept payments in multiple formats including the chip-reader, swipe attachment, and the terminal. Cons I am constantly having issues with the connection and the card reader not working. I know Square has an option to accept payments when offline, but I don't have confidence in accepting high-dollar payments with this feature. I've been to several events where multiple vendors around me are also facing the same issue. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reasons for choosing Square Virtual Terminal Square was being more commonly used amongst vendors and I didn't want to make a jump to PayPal. Even though PayPal is a trusted brand, Square felt more modern and since many small business owners were using it, I decided to go with Square as well. I feel that Square represents small business owners better than PayPal. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JB Jenine B. Office Administrator Construction ### "Great way to take payments instantly " 5.0 Overall Rating 5.0 5.0 Ease of Use 4.0 4.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 February 16, 2022 Overall I would say Square Virtual Terminal has been an asset to our business. It guarantees us payments for our services and it can be done anywhere. It also saves the technicians time in the field not to have to collect payment. They can send me over the information, I can create the invoice, then call the customer for their credit card info. Pros What I like most about the Square Virtual Terminal is that you do not need to be right in front of the customer to take their payments. If a job requires an upfront deposit we can charge the customer before the guys leave the shop. This way they can get right to work instead taking time to collect payment. Cons What I like least it that is costs more if you do not swipe a card. If you manually enter the card information you pay a bit more per transaction Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reasons for choosing Square Virtual Terminal We actually have both but just for customer convenience. I prefer Square over any other payment app. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. TG Thomas G. Owner Environmental Services ### "Awesome product!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 20, 2022 Overall my experience with square terminal is a positive one. Pros Implementing this with Squarespace and QuickBooks was super easy. Cons I wish there fees weren’t lower and that they accepted checks. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. DM Dani M. Chiropractic Assistant Medical Practice ### "Great for farmer's markets" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 0.0 0.0 Likelihood to Recommend 10/10 September 20, 2021 Overall Square Virtual Terminal has been an amazing way for us to collect payments while we are out of the office at events Pros I love how easy it is to collect payments and keep track of patrons. Cons It took a little bit to figure out how to use, not entirely foolproof, but now it works great! Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. IS Isabel S. Portrait artist Arts and Crafts ### "Easy to use and set up!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 13, 2021 My overall experience has been great. I've only needed their customer service help once and they were awesome. Pros It's super convenient. I have clients all over the place and I go to them to create their fantastical portraits. I can take my virtual terminal anywhere and it works! Cons I haven't really found anything I don't like about this software. It does just what I need it to do and it works every time. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) Because PayPal kept my money for months and wouldn't pay it out to me and I couldn't seem to get a human who could help me with that issue. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/190305/Square-Payments-Processing/reviews/) Popular comparisons [PayPal vs Square Virtual Terminal](https://www.capterra.com/compare/190305-207944/Square-Payments-Processing-vs-PayPal)  Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. 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