Square
$320/mo est.
- Software/mo
- $0/mo
- Processing rate
- 1.6%
- Hardware
- From $65
- Contract
- Month-to-month (no lock-in)
- Industry
- Both
- Est. monthly cost
- $320/mo
Square
Pay-as-you-go EFTPOS and online payments with no monthly fees or contracts.
- Software/mo
- $0/mo
- Processing
- 1.6%
- Hardware
- From $65
- Contract
- Month-to-month (no lock-in)
Best for
Small retail, hospitality, and pop-up businesses.
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Setup fee
- Free
Online payments
Online checkout and keyed-in card transactions.
- Setup fee
- Free
Contract terms
- Contract length
- Month-to-month (no lock-in)
Last verified 19 May 2026.
Accepted payment methods
Cards, wallets, and other methods supported by Square for Australian merchants.
Cards
- Visa
- Mastercard
- EFTPOS
- AMEX
- UnionPay
- JCB
- Diners Club
Digital wallets
- Apple Pay
- Google Pay
- Samsung Pay
Buy now, pay later
- Afterpay
Strengths and trade-offs
Pros
- No monthly fees
- No lock-in contract
- Next-day settlement
- Free POS app
Cons
- Higher per-transaction rate than bank-quoted plans
- No public bespoke pricing
About Square
Square offers integrated card readers, terminals and online payment processing for Australian businesses. Pricing is per-transaction with no monthly fees on the free tier.
Square was founded in 2009 and is headquartered in San Francisco, USA.
How Square compares
Side-by-side with the closest alternatives by estimated cost.
Based on $20,000/mo card volume (software plus processing; hardware excluded).
POSApt
$320/mo est.
- Software/mo
- $0-99/mo
- Processing rate
- 1.6% (free plan)
- Hardware
- From $770 (dual screen)
- Contract
- Month-to-month (no lock-in)
- Industry
- Both
- Est. monthly cost
- $320/mo
Zeller
$280/mo est.
- Software/mo
- $0/mo (POS Lite)
- Processing rate
- 1.4%
- Hardware
- Terminal $199
- Contract
- Month-to-month (no lock-in)
- Industry
- Both
- Est. monthly cost
- $280/mo
Tyro
$280/mo est.
- Software/mo
- $0-29/mo
- Processing rate
- 1.4%
- Hardware
- EFTPOS terminal (rental included)
- Contract
- Month-to-month (no lock-in)
- Industry
- Both (healthcare specialty)
- Est. monthly cost
- $280/mo
Common questions about Square
The same questions Australian merchants ask before signing up.
Square does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
Square does not require a lock-in contract for Australian merchants. You can switch providers at any time without an exit fee.
Square settlement times are not publicly listed.
Square AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
Square does not advertise least-cost routing for Australian merchants. If you take a lot of contactless debit, compare against providers that do support it on our comparison page.
Square is best suited to small retail, hospitality, and pop-up businesses. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Square and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
We may earn a commission when you click through to a provider. This never affects ranking or data shown. Read our terms.
Compare Square
Compare Square against every other Australian provider on price, contract terms, and features.