How does Square’s payment processing work? Think of payment processing as your business's financial highway — it's how money moves safely from your customer's card to your bank account.

Millions of businesses use Square’s payment platform to simplify payment processing. We’re a payment gateway that simplifies data security and minimizes risk.

Get a clear breakdown of Square's processing fees and what you'll pay — from in-person card rates to online payments, ACH transfers, and more.

Start taking payments today with Square merchant services. Our in-person and online credit card processing works seamlessly with your POS and hardware.

Funds generated through Square’s payment processing services are generally available in the Square Checking account balance immediately after a payment is processed.

When you process payments with Square online and in person, you get unified sales and customer data, inventory syncing, and best-in-class hardware and software.

Process nearly any kind of payment, any way you want. Our future-focused hardware and software syncs with the systems you run on.

You do not need to purchase hardware to take payments with Square. There are several ways to take payments without any hardware, including invoicing, payment links, virtual terminal, Tap to Pay on …

While waiting for your hardware, you can start taking payments by manually entering card information on your Square app. Once your hardware arrives, connect your Square app and start accepting debit …

Mar 25, 2025 · In this guide, we walk you through everything you need to know about credit card processing—and how to select the best option for your business.