Processor Comparison
ClickWerxs vs Square: The Comparison Merchants Need to See
Square made it easy to accept your first payment. But flat-rate pricing, proprietary hardware lock-in, and abrupt account shutdowns are costing your business. Compare Square and ClickWerxs side by side.
- Square charges 2.6% + 15¢ flat — no volume discounts
- Proprietary hardware up to $799 per terminal
- Account shutdowns with no warning or appeal
- No dedicated account manager at any tier
2.6%+15¢
Square's in-person rate
$799
Square Register cost
90+
Day fund holds reported
0
ClickWerxs proprietary hardware
ClickWerxs vs Square: Head-to-Head Comparison
A transparent comparison across the features that matter most to growing businesses. We give Square credit where it's earned.
In-Person Processing Rate
Online Processing Rate
Keyed-In / Card-on-File Rate
Invoice Rate
Pricing Model
High-Risk Industry Support
Cash Discount / Surcharge Programs
POS Hardware Flexibility
Dedicated Account Manager
Account Stability
24/7 Phone Support
Month-to-Month Contract
Square pricing data from squareup.com/us/en/pricing, accessed March 2026. ClickWerxs rates vary by merchant profile.
Why Growing Businesses Switch from Square to ClickWerxs
Square's flat-rate pricing is simple — and simplicity has a cost. At 2.6% + $0.15 for in-person transactions, you're overpaying on every debit card swipe. Debit interchange rates can be as low as 0.05% + $0.21, but Square charges you the same 2.6% regardless. On $80,000/month in card volume, switching to interchange-plus pricing typically saves $600-$1,000 per month — that's up to $12,000 per year.
- Interchange-plus saves 20-35% vs Square's flat rate at volume
- Use any POS terminal — no proprietary hardware lock-in
- Process specialized categories Square bans — reviewed individually, not by category code
- Dedicated account manager who answers the phone on the first ring
- Cash discount programs to offset up to 100% of processing fees
Exact savings will vary by merchant
Where ClickWerxs Beats Square
Square is great for getting started. ClickWerxs is built for businesses ready to grow.
Pricing That Scales With Your Volume
Square's flat-rate model is designed for simplicity, not savings. Once you pass $10K/month, interchange-plus pricing almost always costs less. At $50K/month, the difference is dramatic: interchange-plus saves $250-$500/month over Square's standard rate.
- Debit cards at interchange cost 0.05% + $0.21 — Square charges 2.6% + $0.15
- No rate increase for keyed-in transactions (Square jumps to 3.5% + $0.15)
- Volume-based pricing means your rate improves as you grow
Exact savings will vary by merchant
Hardware Freedom — Use Any Terminal
Square's hardware ecosystem is proprietary. Their readers, terminals, and registers only work with Square. If you switch processors, that $799 Register becomes a paperweight. ClickWerxs works with multiple terminal brands, giving you flexibility and protecting your hardware investment.
- Compatible with Dejavoo, PAX, Clover, and more
- No proprietary lock-in on your POS equipment
- Free terminal programs available for qualifying merchants
Specialized Industry Processing
Square maintains one of the broadest restricted businesses lists in the industry. Merchants in dozens of legitimate categories are either prohibited or heavily restricted. ClickWerxs works with merchants in categories Square categorically bans, with each application reviewed individually.
- Case-specific review rather than automatic declines
- Dedicated banking relationships for specialized categories
- Merchants other processors turn away are our core focus
- No blanket category bans — every application is evaluated
Not all high-risk merchants will be approved. Approval subject to underwriting review.
No Surprise Account Shutdowns
Square's automated systems can deactivate your account without warning. Merchants report receiving generic emails stating their account 'is no longer valid' with no explanation, no appeal process, and phone support cut off immediately. Some have waited 120+ days to access their own funds — even with zero chargebacks.
- ClickWerxs never shuts down an account without a conversation first
- No automated deactivation based on volume spikes
- Your account manager advocates for you — not against you
Your account is no longer valid and has been deactivated. Funds will be held for review.
“Hi Sarah, we noticed a volume spike. Just calling to confirm it’s legitimate before processing.”
“Yes, we ran a weekend promotion. All orders are verified.”
“Perfect — approved. Funds deposited next business day.”
“We were paying Square's flat rate on $80K/month in restaurant sales. ClickWerxs switched us to interchange-plus and we save over $800 a month. The hardware flexibility was a bonus — we kept our existing terminals instead of buying new Square equipment.”
Who Should Stay With Square
Square is a great fit for certain businesses. We're honest about that. Stay with Square if most of these apply to you.
- You're a new business processing under $5K/month and need the simplest possible setup
- You want an all-in-one ecosystem with POS, payroll, banking, and loyalty in one place
- Your business is in a low-risk category with no restricted industry concerns
- You value a free plan with $0/month in software fees
- You're a single-location retail or food business that benefits from Square's ecosystem
- You prefer flat-rate predictability over interchange-plus savings
- You already own Square hardware and your volume doesn't justify the switch cost
- You need Square's integrated appointment scheduling or online ordering tools
How to Switch from Square to ClickWerxs
The transition is simpler than you think. Keep Square running until you're ready to cut over — zero downtime guaranteed.
Free Statement Analysis
Send us your Square processing history. We'll calculate exactly how much interchange-plus pricing saves you based on your actual volume and card mix.
We analyze your average ticket size, debit vs. credit ratio, and monthly volume to build an accurate savings projection.
Custom Pricing Proposal
Your dedicated account manager builds interchange-plus rates tailored to your business. No generic rate cards — pricing based on your real numbers.
Terminal Setup and Integration
We ship and configure your new terminals (or integrate with existing non-Square hardware). Your account manager handles all technical setup.
If you're using Square Online, we help integrate your website with your new payment gateway seamlessly.
Go Live — Keep Square as Backup
Start processing through ClickWerxs immediately. Keep Square active as long as you want during the transition. Phase it out when you're confident.
What About Your Square Data?
Your Square account stays active and accessible even after you stop processing. Transaction history, customer records, and reporting data aren't going anywhere. If you use Square for functions beyond payment processing (payroll, loyalty, online ordering), those can continue independently while you process payments through ClickWerxs.
- Square transaction history remains accessible indefinitely
- Customer data can be exported and imported into ClickWerxs Command Center
- Non-payment Square features can continue running independently
- Your account manager guides every step of the transition
“Square deactivated our account with a one-line email. No warning, no explanation. $14,000 held for 90 days. ClickWerxs approved us in 24 hours and we've had zero issues since.”
Anthony M.
Specialty Retailer, Portland OR
“I was sick of paying 3.5% every time a customer wanted to pay over the phone. ClickWerxs charges interchange-plus for keyed-in transactions too. That alone saved us $400 a month.”
Linda P.
Home Services, Dallas TX
Frequently Asked Questions: ClickWerxs vs Square
Outgrowing Square? See What You'd Save.
Get a free statement analysis and find out exactly how much interchange-plus pricing saves your business. No contracts, no pressure, no commitment.