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Payments
Stripe Billing vs Square
Stripe Billing and Square start at the same monthly cost.
Our verdict
Start with Square if you want to launch quickly with less setup. Choose Stripe Billing when you need more control and are willing to spend time or money to get it.
Stripe Billing
No monthly feeSubscriptions, trials and upgrades without custom billing code.
- Handles proration and trials
- Customer portal included
- Scales with the product
- Extra recurring fee
- Unnecessary for one-time sales
Square
No monthly feePayments that work the same in person and online.
- Strong in-person rates
- Free hardware entry point
- Simple to start
- Fewer developer tools than Stripe
- Online fees are slightly higher
| Stripe Billing | Square | |
|---|---|---|
| Starting price | No monthly fee | No monthly fee |
| Transaction fee | 2.9% + 30¢ plus 0.5% recurring | 2.6% + 10¢ in person |
| Level | advanced | budget |
| Best for | SaaS and membership products with recurring revenue. | Local businesses selling face to face and online. |
| Price checked | August 2026 | August 2026 |
Prices are entry-plan estimates and exclude transaction fees. Providers change pricing without notice — confirm before you buy. Some outbound links may earn us a commission, which never affects our verdict. Read the disclosure.
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