Authorize.net vs Square: Which is Better in 2026?
Choosing between Authorize.net and Square comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
Bottom line: Square wins this matchup. Our overall Payment Processing pick is Wise. Our free Payment Processing pick is Sezzle. Pick Authorize.net if you need a free tier to start with.
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
Authorize.net
Secure and reliable payment gateway for businesses of all sizes.
Best for you if:
- • You want widely recognized and trusted brand in payment processing
- • You want robust fraud prevention tools
Square
Payment processing and POS systems
Best for you if:
- • You want easy payment processing
- • You want pOS hardware
| At a Glance | Authorize.net | Square |
|---|---|---|
Starts at | FreeFree tier available | FreeFree tier available |
Best For | Payment Processing | Payment Processing |
Rating | 4.2/5 | 4.4/5 |
Free plan | Yes | Yes |
Choose Authorize.net or Square?
Choose Authorize.net if
Secure and reliable payment gateway for businesses of all sizes.
- You want widely recognized and trusted brand in payment processing
- You want robust fraud prevention tools
Choose Square if
Payment processing and POS systems
- You want easy payment processing
- You want pOS hardware
| Feature | Authorize.net | Square |
|---|---|---|
| Pricing Model | Freemium | Freemium |
| User Rating | ★4.2/5 209 reviews | ★4.4/5 4,211 reviews |
| Categories | Payment ProcessingE-commerce | Payment ProcessingE-commerce |
In-Depth Analysis
Authorize.net
Secure and reliable payment gateway for businesses of all sizes.
Strengths
- +Widely recognized and trusted brand in payment processing
- +Robust fraud prevention tools
- +Good integration capabilities with many e-commerce platforms
- +Supports various payment methods
- +Reliable uptime and transaction processing
Weaknesses
- -Can be more expensive than some newer payment processors
- -Setup process can be complex for beginners
- -Customer service can sometimes be slow
Key features
Square
Payment processing and POS systems
Square's pricing is generally fair, especially for small businesses.
Strengths
- +Easy payment processing
- +POS hardware
- +Good for small business
- +Fair pricing
- +Many features
Weaknesses
- -Account holds possible
- -Not for high-risk
- -International limited
- -Support varies
- -Fees add up
Key features
Pricing: Authorize.net vs Square
| Plan | Authorize.net | Square |
|---|---|---|
| Tier 1 | N/A | Free Free |
| Tier 2 | N/A | $49 Plus |
| Tier 3 | N/A | $149 Premium |
Pricing verified from each vendor's public pricing page. Compare in detail on Authorize.net pricing and Square pricing.
Who Should Use What?
On a budget?
Both are freemium. Compare plans on their websites.
Go with: Authorize.net
Want the highest-rated option?
Authorize.net: 4.2/5 (209 reviews). Square: 4.4/5 (4,211 reviews).
Go with: Square
Value user reviews?
Authorize.net: 209 reviews (4.2/5). Square: 4,211 reviews (4.4/5).
Go with: Square
3 Questions to Help You Decide
What's your budget?
Both are freemium. Pricing won't help you decide here.
What's your use case?
Both are payment processing tools. Compare their specific features to decide.
How important are ratings?
Square is rated higher: 4.4/5 vs 4.2/5.
Key Takeaways
Square
- Higher user rating: 4.4/5 vs 4.2/5
- Larger review base (4,211 reviews)
- Free tier available
- Our pick for this comparison
Authorize.net
- Choose if you want secure and reliable payment gateway for businesses of all sizes
The Bottom Line
Square wins this matchup. Our overall Payment Processing pick is Wise. Our free Payment Processing pick is Sezzle.
Frequently Asked Questions
Is Authorize.net or Square better?
Square is rated in our evaluation. Both are freemium.
What are Authorize.net and Square used for?
Authorize.net: Secure and reliable payment gateway for businesses of all sizes.. Square: Payment processing and POS systems.
What does Authorize.net cost vs Square?
Authorize.net is freemium (free tier + paid plans). Square is freemium (free tier + paid plans). Visit their websites for detailed pricing.