Square's online rate depends on which subscription you're on — 3.3% on the free plan, 2.9% if you're paying for Plus. Easy is one rate: 2.7% + $0.30, online or in-person, no plan to upgrade into. The cheaper headline rate gets cheaper still once you account for the absent monthly fee.
Square's mid and premium tiers run $29 to $149/month before a single card swipe. Easy doesn't have plans — there's nothing to subscribe to. You pay per transaction at the same flat rate from your first dollar of volume to your hundred-millionth.
Square holds processed funds in a Square account and releases them on a payout schedule, with reserves and holds at their discretion. Easy is self-custodial — funds settle directly into bank accounts you own. No Square balance to track, no reserves, no platform-side hold logic between you and your money.
Square's strength is its hardware ecosystem — Terminal, Register, Reader. Easy works with supported partner devices, and the rate is the same as online. If you're optimising for one consistent number across every surface, Easy wins; if you specifically want Square's hardware, Square wins.
If your operation runs on Square Register at a counter and you don't process much online, Square's POS gravity is hard to beat. If you mostly take card-not-present, ACH, or stablecoins — and you want flat pricing, instant payouts, and no monthly subscription — Easy is the cleaner fit.
Most merchants are approved in under 90 seconds. No monthly fees, no plan ladder, full self-custody from day one.
