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 group, and customers reward it for its reliability, easy design, and ease of use.

However Sq.’s processing charges are larger than a few of its rivals, and small companies with tight margins won’t be capable of justify the price. That’s very true when you think about Sq. doesn’t provide different important instruments like auto-scheduling and messaging.

That’s why we’ve put collectively this record of the very best Sq. alternate options so that you can take into account. 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.

Finest 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: Finest all-in-one group 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 should you want extra flexibility and management, you possibly can improve and in addition obtain HR and payroll.

Whereas Sq. gives 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 gives time-saving instruments like auto-scheduling, which Sq.’s group 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 potential. Like Sq., Homebase enables you to save time by letting employees declare open shifts and organize trades and covers through our app. However Homebase additionally gives auto-scheduling capabilities to create error-free timetables primarily based on group 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 group’s arrival instances by checking their location after they enter their particular person PIN.

In addition to earning profits by way of gross sales, your corporation additionally wants to chop pointless prices the place it may possibly. 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 possibly can observe your group’s hours precisely and stop time theft.

Workforce messaging

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

Every now and then, you’ll have to contact group members immediately to rearrange last-minute schedule adjustments or assist resolve 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 possibly can 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 choice of the very best POS integrations to course of gross sales for your corporation.

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


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

  • Necessities for $24.95 per 30 days so as to add further instruments like shift notes and GPS monitoring for the time clock. 
  • Plus for $59.95 per 30 days for onboarding instruments and doc administration.
  • All-in-one for $99.95 per 30 days to get the total vary of HR and compliance instruments, together with reside entry to certified professionals for recommendation and assist. 

You can too add Homebase’s payroll product as a separate add-on for $39 per 30 days plus $6 per worker. That method, you possibly can select whether or not you need to change to Homebase or preserve utilizing the software you’re aware of.

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

2. PayPal Zettle: Finest for worldwide funds

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

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


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


By way of cost processing, Zettle prices 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: Finest for e-commerce

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

Just like Sq., Shopify caters to companies of all sizes and industries. Each provide cost processing providers and promote gear like point-of-sale (POS) methods. 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 personal 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 and marketing 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 possibly can see, the upper the price of the plan, the decrease the payment proportion:

  • Primary for $39 per 30 days with charges of two.9%, plus $0.30 on-line and a pair of.7% in particular person. 
  • Shopify for $105 per 30 days with charges of two.6% plus $0.30 on-line and a pair of.5% in particular person.
  • Superior for $399 per 30 days with charges of two.4%, plus $0.30 on-line and a pair of.4% in particular person. With this plan, you possibly can add 15 employees accounts and get customized studies.

4. Toast: Finest for tip administration

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

Toast is a restaurant administration software program with cost 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 cost through QR codes on menus. Sq. gives 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 strategy to or from the kitchen.
  • Worker administration: Schedule, observe, and pay your group all from the identical platform.
  • Supply instruments: Allow on-line ordering, supply, and take-out choices to your prospects.
  • Advertising and marketing: Arrange loyalty, rewards, and reward card applications to drive repeat visits.
  • Buyer assist: Toast gives 24/7 assist for setup issues or challenges.


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

  • Core for $69 per 30 days to entry cost processing, reporting, and analytics.
  • Development for $165 per 30 days 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 gives payroll as a separate (extra expensive!)add-on of $110 month-to-month plus $4 per worker.

5. eHopper: Finest worth for micro companies

Screenshot of the employee management feature on eHopper.
eHopper is likely one of the few cost processors that has a free plan. Source

Enterprise homeowners who’re simply beginning out could also be notably price range aware. eHopper is considerably distinctive in that it doesn’t cost a month-to-month fee or processing charges. As an alternative, customers can make the most of 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 gives options for eating places, like on-line order administration and promoting.


eHopper gives 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 per 30 days, although its options are extra fundamental than most different platforms.

6. Clover: Finest for banks and insurance coverage corporations

Photo of a sale on a Clover POS device.
Companies in monetary providers could discover Clover’s wide selection of cost assist choices attention-grabbing. Source

Clover is a POS software program answer designed with small to medium-sized companies in thoughts. Its assist for a variety of cost strategies — like paper checks — may be priceless 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 group members.
  • Fee processing: Settle for something from playing cards to contactless funds and checks.
  • Buyer engagement: Gather knowledge in your prospects through their card funds, construct profiles, and tailor your advertising and marketing campaigns to them.


Clover gives 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: Finest 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 could discover Lightspeed attention-grabbing. The eCommerce website gives a choice of cost processing, on-line gross sales, and advertising and marketing instruments. You can too combine along with your selection of payroll software program, together with Homebase. 

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


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


Lightspeed prices 2.6% plus $0.10 for card transactions and a pair of.6% plus $0.30 for on-line funds. It additionally has three paid plans that every one embody a POS gadget and a register:

  • Lean for $139 per 30 days, which incorporates cost instruments.
  • Normal for $199 per 30 days to entry eCommerce and accounting options.
  • Superior for $319 per 30 days, 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: Finest for small enterprise accounting

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

Intuit QuickBooks began as accounting software program after which branched into worker administration and cost 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 well-liked with the accounting {industry}, whereas its GPS monitoring characteristic may be helpful for distant groups like development crews.


  • Worker administration: Schedule group members, run payroll, and observe hours — even for touring or distant groups like supply crews or development employees.
  • Accounting: Monitor and handle your corporation 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 per 30 days, and also you get a fundamental vary of bookkeeping options.
  • Necessities for $55 per 30 days to attach two further gross sales channels and entry invoice administration.
  • Plus for $85 per 30 days, which incorporates stock administration.
  • Superior for $200 per 30 days for coaching, batch invoices, and worker bills.

A number of the options are additionally out there as add-ons:

  • Payroll has plans starting from $45 to $125 per 30 days in worth.
  • QuickBooks Time for scheduling and time monitoring instruments, which has a decrease value plan for $20 per 30 days plus $8 per worker or the next value plan for $40 per 30 days plus $10 per worker.

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

9. Gusto: Finest 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 often called ZenPayroll, Gusto is an HR platform for companies of all sizes. It enables you to handle your group, run payroll, and organize employees advantages. Not like a few of the different rivals on this record, Gusto doesn’t have a built-in cost processing system, but it surely does combine with different well-liked apps that do.


  • Worker administration: You possibly can observe employees hours with the Gusto time clock and pay your group, but it surely doesn’t have any scheduling options like Homebase.
  • Expertise administration: Conduct common efficiency opinions to assist group members enhance professionally and keep on high of any points. You can too 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 selection of POS apps like Clover and Shopify.


Gusto has two paid month-to-month plans out there:

  • Easy for $40 per 30 days plus $6 per worker for single-state payroll and hiring instruments.
  • Plus for $80 per 30 days plus $12 per worker for multi-state payroll, go away administration, and next-day cost.

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

10. Payanywhere: Finest for low, predictable charges

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

Because the title suggests, US-based Payanywhere lets companies use their POS units from job websites, bodily shops, or on-line retailers. Whereas it prices a barely larger proportion for funds than Sq., there aren’t some other charges that elevate the price. This makes Payanywhere an inexpensive choice for companies on a price range.


  • Fee processing: Arrange a wide range of funds like invoices and cellphone orders. Automate cost cycles to save lots of your self time and problem.
  • Stock administration: The free stock instruments make it simple to promote, observe, and restock objects.


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. various that fits you

Though Sq. is likely one of the main monetary service platforms in the marketplace, its processing charges could make it unsuitable for small, budget-conscious companies. For those who want minimal options and need to prioritize your price range, select eHopper or Payanywhere for worth. And should you want a cost processor that provides extra superior, focused options, go for Clover or Toast.

However should you use Sq. for its worker administration instruments and really feel they aren’t versatile sufficient to your wants, Homebase is good. Our all-in-one platform gives scheduling and time monitoring alongside communication options so you possibly can handle your corporation in a single digital area. Plus, we combine with the very best cost processing and POS instruments, so that you’ll all the time have quick entry to all the things 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, similar to G2 and Capterra, in March 2023.