Bill.com vs Square POS: which one fits your business?
Side-by-side comparison of Bill.com and Square POS — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: Square POS wins on our scorecard (7.5/10 vs 7.1/10).
| Scored on | Bill.com | Square POS |
|---|---|---|
| Right fit for small biz | 8 | 8 |
| Ease of use | 7 | 9 |
| Fees & pricing | 6 | 7 |
| Customer support | 5 | 5 |
| Features | 9 | 8 |
| Monthly Subscription (Team Tier) | $55 per user | — |
| ACH Payment Fee | $0.49 each | — |
| Mailed Check Fee | $1.69 each | — |
| International Wire (USD) | $0.00 (with FX markup) | — |
| Basic Software Fee | — | $0/mo |
| In-Person Processing | — | 2.6% + 10¢ |
| Online Processing | — | 2.9% + 30¢ |
| Keyed-in Processing | — | 3.5% + 15¢ |
Bill.com in one paragraph
Bill.com is the gold standard for mid-sized small businesses needing strict approval workflows, provided you can stomach the per-transaction fees.
Skip it if: You are a solopreneur with fewer than 10 invoices a month who doesn't need a formal approval trail.
Square POS in one paragraph
Square POS remains the fastest way to start taking payments, but high-volume businesses will eventually outgrow its flat-rate pricing.
Skip it if: You process more than $25,000 a month and need a dedicated account manager who picks up the phone every time.
Frequently asked questions
Which is better, Bill.com or Square POS?
On our five-axis scorecard, Square POS scores higher (7.5/10 vs 7.1/10). Square POS remains the fastest way to start taking payments, but high-volume businesses will eventually outgrow its flat-rate pricing.
Who should skip Bill.com?
You are a solopreneur with fewer than 10 invoices a month who doesn't need a formal approval trail.
Who should skip Square POS?
You process more than $25,000 a month and need a dedicated account manager who picks up the phone every time.