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Square vs. Stripe

A plain English guide to choosing a payment processor for your service business.

The Short Answer

If you take payments in person (retail, mobile service), start with Square.

If you take payments mostly online (invoices, booking flow), start with Stripe.


Why Square?

Square wins on hardware. Their card readers are cheap, reliable, and look professional. If you are a mobile detailer, a food truck, or a market stall, Square is the default choice.

Why Stripe?

Stripe wins on flexibility. It integrates with almost every booking tool (Calendly, Cal.com) and website builder better than Square does. If you send digital invoices or want clients to pay when they book online, Stripe is usually the smoother path.

What about fees?

They are basically the same. Roughly 2.9% + 30¢ per transaction. Don't waste time trying to save 0.1% when you are starting. Pick the one that fits your workflow.

Colton Henderson, Founder of Franchise Free

About the Author

Colton Henderson

Colton builds systems. His work has included rolling out tools and processes across 89 countries for millions of users. Franchise Free applies that same approach to entrepreneurship — giving independent business owners the structure, tools, and launch plan they need to compete without franchise fees.

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