PayArmorX vs Square
A comprehensive comparison of features, fees, and benefits to help you make the best choice for your business.
PayArmorX
The Future of Payment Processing
Square
Start selling anywhere
Save up to 72% on transaction fees
With PayArmorX, you'll pay 0.8% - 1% per transaction compared to 2.9% + $0.30 with Square. That's significant savings that add up over time.
Calculate Your Savings
Enter your monthly processing volume to see how much you could save with PayArmorX
Feature Comparison
Detailed side-by-side comparison of key features
| Feature | PayArmorX | Square |
|---|---|---|
Transaction Fees | 0.8% - 1% | 2.9% + $0.30 |
Chargeback Fees | $0 (No traditional chargebacks) | $15 per chargeback |
Settlement Time | Instant | 1-2 business days |
Setup Fees | $0 | $0 |
Cryptocurrency Support | Yes | No |
PayArmorX Features
What makes us better
- Zero chargebacks - blockchain finality
- Lowest transaction fees in the industry
- Instant settlement - no waiting periods
- Multiple payment methods including crypto
- No setup fees or monthly minimums
- Transparent pricing
- Modern API and developer tools
- Real-time analytics
Square Overview
What to know
Pros:
- All-in-one POS solution
- Good for brick-and-mortar stores
- Fast settlement (1-2 days)
- No monthly fees
- Integrated hardware options
- Comprehensive business tools
Cons:
- Higher transaction fees
- Chargeback fees
- Limited online-only features
- No cryptocurrency support
- Hardware required for in-person payments
Payment Methods
Supported payment methods comparison
PayArmorX
Square
Why Choose PayArmorX?
Key advantages over Square
Lower Fees
Save up to 72% on transaction fees compared to Square.
No Traditional Chargebacks
Blockchain-based payment conversion eliminates traditional card network chargebacks. Save on chargeback fees and disputes.
Instant Settlement
Get paid immediately. No waiting periods, no holds, no delays. Your money when you need it.
PayArmorX is Best For
- E-commerce businesses
- Digital goods merchants
- High-risk industries
- International businesses
- Crypto-friendly merchants
- Businesses wanting to eliminate chargebacks
Square is Best For
- Retail stores
- Restaurants
- Service businesses
- Brick-and-mortar businesses
- Small to medium businesses