vs Square
Same friendly hardware. Same card-rate fees.
Square nailed the UX of taking a card. But it's still a card sale — 1.6–2.6% per tap, T+1 to your bank. Point of Sol gives you the same one-tap UX, with stablecoin acceptance and same-day payouts.
square
card terminal + saas
settlement
T+1next business day
Same-day available on paid tiers.
cost per swipe
1.6–2.6%card-present
Higher for keyed-in or international cards.
chargeback window
120days
Standard card-network rules apply.
point of sol
payouts via npp · payid
settlement
~400 ms
Final on-chain before the receipt prints.
cost per swipe
< $0.001flat
Network fee. No percentage. No tiers.
chargeback window
0payments are final
No reserves, no reversals, no surprises.
also
square
point of sol
Hardware
squareSquare Reader / Terminal / Register
posAny phone or tablet
Onboarding
squareAccount approval + KYC
posScan a QR. Done.
Currency
squareLocal fiat only
posStablecoins, SOL, any SPL token
Payouts
squareNext-day standard, instant for a fee
posSame-day via NPP / PayID
Cross-border
squareSurcharge on international cards
posSame speed, anywhere
Reserves
squareRisk-based holds possible
posNone — instant access
Hours
square24/7 processing
pos24 / 7 / 365
the bottom line
Square is the gold standard for card UX. But it's still 1.6–2.6% per tap, next-day to your bank. Point of Sol replaces both: stablecoin acceptance, same-day payouts, fractions of a cent.