Switch From Square, Keep 100% of Your Sales
Square charges a flat 2.6% + $0.15 on every transaction, no matter what it actually costs to process. See the real gap between that and interchange-plus or dual pricing, then switch without downtime.
What Square's Flat Rate Actually Costs You
Square's 2.6% + $0.15 is the same for every card, every time - debit, rewards credit, or otherwise. The wholesale interchange cost behind most of those swipes is far lower than what you're billed.
| Model | Rate | Who pays the fee |
|---|---|---|
| Square (flat rate) | 2.6% + $0.15, every card | You, on every transaction |
| Interchange-plus | Wholesale cost + small fixed markup | You, but only the real cost |
| Dual pricing / cash discount | Disclosed service fee on card only | The card-paying customer |
The "2.6% + $0.15" sticker rate isn't your real cost. Rewards cards, keyed-in entries, and card-not-present transactions all price above Square's advertised rate, which is why most Square merchants see an effective rate - total fees divided by total card volume - closer to 3% once a full month of transactions is averaged out. Interchange-plus shows you that real number instead of hiding it behind a blended flat rate.
Two Ways We Fix the Square Markup
Both are compliant with Visa, Mastercard, Discover, and Amex rules. We help you pick the right one for your business.
Dual Pricing (Cash Discount)
Keep 100% of your listed price on every sale. A small, disclosed service fee applies only to card payments, legal in all 50 states under the Dodd-Frank Act when implemented with compliant signage.
Interchange-Plus
See the true wholesale interchange cost set by the card networks, plus one small, fixed markup - instead of Square's blended flat rate that overcharges on lower-cost cards.
Switching Off Square Without Downtime
Free rate analysis
We review your Square statement and show your real effective rate vs. our numbers.
Choose your model
Dual pricing or interchange-plus - whichever fits your business and customers.
Install alongside Square
New hardware or software goes live in parallel, typically 1-2 hours, no downtime.
Cut over and start saving
Once you've confirmed everything works, we finish the transition. No long-term contracts.
Frequently Asked Questions
Do I have to switch my POS hardware to leave Square?
No. Most merchants keep their existing countertop setup and swap only the payment processing underneath, or move to a comparable smart terminal. We review your current hardware during the free rate analysis and tell you exactly what changes, if anything.
How is dual pricing different from what Square charges?
Square charges every transaction 2.6% + $0.15 regardless of card type. Dual pricing (cash discount) instead applies a small, disclosed service fee only to card transactions, so your business keeps 100% of the listed price - the fee is absorbed by the customer choosing to pay with a card, not by you.
Is switching off Square risky for my sales during the transition?
Installation typically takes 1-2 hours during off-peak hours with no service downtime. We run both systems side by side until you confirm everything is working before fully cutting over.
What if I'm still under a Square hardware agreement?
We review any existing agreement before you switch and, in many cases, first-month savings offset the remaining cost. Ask for a free rate analysis and we'll tell you exactly where you stand before you commit to anything.
Square advertises 2.6% + $0.15 - why do I seem to be paying more than that?
That rate is a floor, not a ceiling. Rewards cards, keyed-in entries, and card-not-present transactions all price above it, so most Square merchants' effective rate - total fees divided by total card volume - lands closer to 3% once a full statement is averaged out. We'll show you your actual effective rate during the free rate analysis.
What if switching, or adding dual pricing, costs me customers?
That's the most common hesitation, and it's why we don't ask you to commit blind. We run every switch month-to-month, and treat the first 90 days as a trial: track it for a full quarter, and if it's not working, we adjust the setup or roll you back at no cost. You're never locked in on our word alone.