---
title: "Easy vs Square — Flat-rate, self-custodial, no monthly minimums."
description: "How Easy compares to Square on pricing, monthly fees, fund control, and payment surface coverage."
url: https://www.itseasy.co/easy-vs-square
markdown_url: https://www.itseasy.co/easy-vs-square.md
site: Easy
generated_at: 2026-09-03T23:07:48.907Z
---
Comparison

# Easy vs Square

Pricing, monthly fees, fund control, and what a flat-rate, self-custodial alternative looks like.

Flat 2.7% + $0.30 online · zero monthly subscription

[Get started with Easy](https://app.itseasy.co/signup)[See the comparison](#compare)

Feature

Easy

Square

Online card rate

2.7% + $0.30

2.9% + $0.30 (Plus) · 3.3% + $0.30 (Free)

In-person card rate

2.7% + $0.30

2.6% + $0.15 (Free) · 2.4% + $0.15 (Premium)

Amex rate

3.0% + $0.30

Same as card

Keyed-in rate

—

3.5% + $0.15

Monthly fees

$0

$0 / $29 / $149

Self-custodial

Cashback on balances

Stablecoin payments

Approval speed

Under 90 seconds

Instant for basic

Payouts

Next-day · instant available

Next business day · instant ($)

POS hardware

Supported partner devices

Square Terminal · Register · Reader

01 / Pricing

## Flat rate, not a tier ladder.

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.

02 / Monthly fees

## No subscription, no minimums.

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.

03 / Fund control

## Self-custody, not Square balance.

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.

04 / In-person payments

## Same flat rate online or at the counter.

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.

05 / Who picks what

## Pick Square for hardware-first retail. Pick Easy for everything else.

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.

## Ready to stop paying for tiers?

Most merchants are approved in under 90 seconds. No monthly fees, no plan ladder, full self-custody from day one.

[Start saving today](https://app.itseasy.co/signup)[Talk to us](https://meet.itseasy.co/talk-to-us/discovery-15?ref=compare%5Fsquare&utm%5Fsource=itseasy.co&utm%5Fmedium=cta&utm%5Fcampaign=talk-to-us)

## Your new payment solution starts here.

Your simplest advantage.

[Start saving today](https://app.itseasy.co/signup)[Talk to us](https://meet.itseasy.co/talk-to-us/discovery-15?ref=cta%5Fband&utm%5Fsource=itseasy.co&utm%5Fmedium=cta&utm%5Fcampaign=talk-to-us)

---

See also: [llms.txt](https://www.itseasy.co/llms.txt) — index of all machine-readable pages.