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Honest Comparison

Renegade vs Square:
An Honest Comparison

We'll show you exactly how we stack up — and where Square might actually be the better fit.

Head-to-Head

Feature-by-feature breakdown

A side-by-side look at what you actually pay. No spin, just numbers.

ComparisonSwipe to compare
Feature
Renegade
Interchange+
Square
Pricing ModelInterchange-plusFlat rate
In-Person RateIC + 0.20% + $0.082.6% + $0.10 (Free), 2.4% + $0.10 (Premium)
Online RateIC + 0.30% + $0.152.9% + $0.30 (Free), 2.9% + $0.30 (Plus)
Monthly Fee$0$0 – $149/location
ContractsNone — cancel anytimeNone
Early Termination Fee$0$0
PCI Compliance Fee$0 (included)$0 (included)
Funding SpeedNext-day1–2 business days (instant for fee)
Hardware CostFree terminal program$0 (magstripe), $49–$799 for readers/terminals
Customer SupportDedicated account managerEmail/chat, phone for paid plans
Best ForBusinesses wanting lowest ratesNew/micro businesses wanting simplicity
Effective Rate on $25K/mo~2.00% ($500)~2.70% ($675)
The Full Picture

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 1.75% fee. 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 Wins

Lower effective rates

Save 20–35% vs Square's flat pricing on the same volume. The more you process, the more you save.

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.

Real Savings

Savings by monthly volume

Here's what businesses actually save when switching from Square to Renegade, based on typical card mixes.

SavingsSwipe to compare
Monthly VolumeSquare Cost
Renegade
Cost
Monthly SavingsAnnual Savings
$10,000$270$200$70$840
$25,000$675$500$175$2,100
$50,000$1,350$1,000$350$4,200
$100,000$2,700$2,000$700$8,400
Merchants Who Switched

Still not sure? Hear from merchants who left Square.

"We were processing $32K/month through Square and thought their flat rate was fair. Renegade showed us we were overpaying by $210 every single month. That's $2,520/year back in our pocket."

MR
Marcus Rivera
Owner, Rivera's Kitchen — $32K/mo volume

"I loved Square's simplicity but hated that I couldn't reach a human when I had a chargeback. With Renegade, my account manager picked up the phone and resolved it in 20 minutes."

JW
Jessica Walsh
Owner, Bloom Florals — $18K/mo volume

"Switching took less than a day. Renegade handled everything — terminal setup, gateway migration, even trained my staff. I wish I'd made the switch years ago instead of overpaying Square."

DK
David Kim
Owner, Kim's Auto Repair — $45K/mo volume
Ready to Save?

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.