Square
- In-person rate2.6% + 15c
- Online rate3.3% + 30c
- Monthly feeFree
- Contract lengthMonth-to-month
Est. monthly costGet quote
Independent · No paid rankings · USD PricingCompare business services
Compare business services
across the United States
Independent, side-by-side comparisons across payments, POS, e-commerce, accounting, payroll, and more, using your real numbers. No sales calls, no sign-up.
- Providers indexed
- 119
- Comparison tools
- 15
- Business categories
- 7
Tracked provider rates are re-checked monthly. Last checked .
Providers we compare
- Shopify
- ADP
- Square
- QuickBooks
- Mailchimp
- HubSpot
- Toast
- Gusto
- Printify
- Katana
- Stripe
- Salesforce
- Squarespace
- Constant Contact
- Clover
- Rippling
The cheapest provider isn’t the same for everyone
These payment providers are compared at a sample $15,000/mo, with best-in-row cells highlighted so you can see at a glance who wins on which fee.
| Provider | Square | Stripe | Clover | Helcim |
|---|---|---|---|---|
| In-person rate | 2.6% + 15c | 2.7% + 5c | 2.6% + 10c | IC + 0.40% + 8c |
| Online rate | 3.3% + 30c | Best2.9% + 30c | 3.5% + 10c | IC + 0.50% + 25c |
| Monthly fee | Free | Free | From $0-135/mo | Free |
| Contract length | Month-to-month | No contract | Varies by reseller | No contract |
| Est. monthly cost | Get quote | Get quote | Get quote | Get quote |
Estimates based on $15,000/mo volume. Best-in-row cells are highlighted in emerald.
Compare 4 providers
Stripe
- In-person rate2.7% + 5c
- Online rate2.9% + 30cBest
- Monthly feeFree
- Contract lengthNo contract
Est. monthly costGet quote
Clover
- In-person rate2.6% + 10c
- Online rate3.5% + 10c
- Monthly feeFrom $0-135/mo
- Contract lengthVaries by reseller
Est. monthly costGet quote
Helcim
- In-person rateIC + 0.40% + 8c
- Online rateIC + 0.50% + 25c
- Monthly feeFree
- Contract lengthNo contract
Est. monthly costGet quote
What you can compare
Independent comparisons, built for US business
Side-by-side comparisons across payments, platforms, and software for US businesses.
Payments
Accounting
People & Payroll
Sales & Marketing
E-Commerce
Finance
AI
How it works
Three steps, no sign-up required
No call-backs. No “talk to a specialist”. Just numbers, side by side, so you can make the right decision for your business.
- Step 01
Tell us about your business
Share a few details, like your volume and current costs. That’s it. No email needed.
PrivateNo account, no sales call - Step 02
See every provider, ranked for you
We calculate what you’d actually pay each provider, using their published rates today. Sort by anything that matters.
Today119 providers · 15 comparison tools - Step 03
Switch and save, on your terms
Go straight to the provider with one click, or request quotes. We may earn a commission if you switch.
See what you could save
Independent, unbiased, and transparent
SMBCompare ranks providers by actual cost to your business, not by who pays us. We compare 119 providers across 15 business services, from the big banks to independents and global platforms. No provider can pay for a higher ranking. If a cheaper option exists, our calculator shows it. Every price is shown in US dollars, including providers that bill in US dollars, so you compare like for like.
How we compare providersLatest guides
Read before you switch
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10 min read · Jun 22, 2026
Not sure which option is right for your business?
Every comparison here is built on published pricing and a cost calculator you can run yourself. If you would rather talk it through, get in touch and we will help you weigh the options.