Renegade Payments vs Square:
An Honest Comparison
We'll show you exactly how we stack up — and where Square might actually be the better fit.
Feature-by-feature breakdown
A side-by-side look at what you actually pay. No spin, just numbers.
Where each processor wins
We believe in honesty. Here's where Square has the edge — and where we do.
Where Square Wins
Brand recognition
Square is a household name with 4M+ merchants. You've seen their white card readers everywhere from farmer's markets to food trucks.
Free POS software
Full POS system at no monthly cost on the free plan. For brand-new businesses, that's hard to beat out of the gate.
Ecosystem
Banking, payroll, lending, online store, appointments — all in one platform. If you want everything under one roof, Square delivers.
Instant deposits
Available same-day for a 1.95% fee per transfer. If cash flow timing is critical, this can be a lifesaver.
No minimum volume
Process $1/month or $1M/month. Square never penalizes you for low volume — ideal for seasonal businesses.
Where Renegade Payments Wins
Lower effective rates
About 10% less than Square Free: ~$73/mo on a typical $25K month at a $35 average ticket, plus zero junk fees and no monthly SaaS fees. Estimate based on an average card mix.
Zero hidden fees
No PCI fees, no statement fees, no batch fees, no regulatory fees. Your rate is your rate — period.
Dedicated account manager
A real human who knows your business, not a chatbot queue. Call them directly whenever you need help.
Interchange-plus transparency
See exactly what Visa/Mastercard charges vs our markup on every single transaction. No guessing.
AI-powered rate monitoring
We continuously optimize your rates as interchange tables change. You always pay the lowest possible rate.
Built for empathy and merchant empowerment.
Savings by monthly volume
Here's what businesses actually save when switching from Square to Renegade Payments, based on typical card mixes.
Assumes in-person payments at a $35 average ticket. Square Free plan: 2.6% + $0.15 (published rate, October 2026). Renegade Payments: estimated interchange (1.80% + $0.10) and card-network fees (0.15% + $0.025) passed through at cost, plus our 0.20% + $0.08 markup. Actual interchange depends on your card mix.
Verified Client Experiences
See what real clients say about service, rates, billing, funding, onboarding, and switching support.
Switching over from Elavon was seamless. Someone was always there to walk us through the details and support us every step of the way. We've saved thousands of dollars a year in processing costs.
Their team delivers true customer service whenever you need them. On top of that, in all our time in business, no one has ever been able to beat their rates.
The payment setup makes invoicing simple and straightforward. Our clients receive their bills and pay right away without any friction, which keeps our receivables moving smoothly.
See your exact savings
in 30 seconds
Upload your current statement or tell us your monthly volume. We'll show you exactly how much you'd save switching from Square.