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Square

Square

Retail & Restaurants

VS

BitPay

Bitcoin Payments

BitPay
Fees from
2.6% + $0.10 (in-person), 2.9% + $0.30 (online) vs 1-2% + $0.25
Features

2 shared

2 unique to Square · 2 unique to BitPay
Regions

4 shared

1 unique to BitPay
Pay methods

1 shared

11 unique to Square · 9 unique to BitPay

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6 features · 21 payment methods · 5 regions. We don't rank these — they're here for reference.
Square Square
BitPay BitPay
Quick Facts
Fees
Standard transaction rate
2.6% + $0.10 (in-person), 2.9% + $0.30 (online)
1-2% + $0.25
Settlement
Time to receive funds
1–2 business days
Next business day
Founded
2009
2011
Headquarters
San Francisco, California
Atlanta, Georgia
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Crypto Support Unique
—
✓
High Risk Accepted Unique
—
✓
Instant Payout
✓
✓
Instant Sandbox
✓
✓
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Square leads (12 vs 10)
Ach Unique
✓
—
Amex Unique
✓
—
Apple Pay Unique
✓
—
Arbitrum Unique
—
✓
Base Chain Unique
—
✓
Bill Payment Unique
—
✓
Bitcoin Unique
—
✓
Cash Unique
✓
—
Crypto Unique
—
✓
Digital Wallet Unique
✓
—
Diners Unique
✓
—
Discover Unique
✓
—
Ethereum Unique
—
✓
Gift Card
✓
✓
Google Pay Unique
✓
—
Jcb Unique
✓
—
Mastercard Unique
✓
—
Optimism Unique
—
✓
Solana Unique
—
✓
Stablecoin Unique
—
✓
Visa Unique
✓
—
Regions
BitPay leads (5 vs 4)
Asia
✓
✓
Europe
✓
✓
Latin America Unique
—
✓
North America
✓
✓
Oceania
✓
✓

Square is best when you...

Retail & Restaurants
Need Recurring Payments
Not available with BitPay
Need Startup Friendly
Not available with BitPay
View Square

BitPay is best when you...

Bitcoin Payments
Need Crypto Support
Not available with Square
Need High Risk Accepted
Not available with Square
Want coverage in Latin America
Square doesn't cover this region
View BitPay

Frequently Asked Questions

What is the difference between Square and BitPay?
They share 1 payment method and 4 regions. Square adds ACH, Amex, Apple Pay and 8 more that BitPay does not list; BitPay adds Arbitrum, Base, Bill Payment and 6 more that Square does not list; BitPay also covers Latin America; only Square offers Recurring Payments, Startup Friendly.
Which is cheaper, Square or BitPay?
Square has published rates from 2.6% + $0.10 (in-person), 2.9% + $0.30 (online); BitPay has published rates from 1-2% + $0.25. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Square and BitPay?
Square lists 4 regions and 12 payment methods; BitPay lists 5 and 10. both cover Asia, Europe, North America and 1 more. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Square and BitPay compare on integration and settlement?
both offer a sandbox; both support webhooks; Square settles in 1–2 business days, BitPay in Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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