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Phase 3 PAYMENTS
Systems we place

Square

The one system here you can be running on this afternoon with no hardware at all. Contactless cards and wallets taken on the phone you already own. And the same account grows into full point of sale systems, handhelds, kiosks and a full restaurant floor without ever changing systems. Most businesses we put on Square start with nothing and add hardware only when the counter demands it.

Square register
What Square does well

Start simple.
Add more when it earns its place.

Square can make a lot of sense when a business wants a straightforward place to start without designing an oversized point of sale setup on day one.

The broader Square ecosystem gives the business room to evaluate additional devices, software, online tools, and operating functions when there is a real reason to add them.

A simple place to start

Square can support businesses that need straightforward payment acceptance or a basic point of sale setup without beginning with a large hardware footprint. Compatible phones can be used for payment acceptance when they apply.

The exact starting setup depends on the merchant, compatible devices, and the Square products being used.

One Square ecosystem

Square offers payment, point of sale, hardware, and business software that can work within the broader Square account and product environment.

That can make the system easier to manage when the merchant actually uses several Square products together.

Online and in person options

Square offers tools for businesses that sell in person and also need online ordering, ecommerce, invoices, or other digital payment workflows.

The exact products, plans, configuration, and integrations should be reviewed for the merchant's actual use case.

Hardware when the business needs it

Square has multiple hardware options that can support different checkout and service workflows as the business grows beyond a phone or simple reader.

More hardware should solve a real operating problem rather than simply make the setup larger.

Room to expand the setup

A merchant can evaluate additional Square tools as its operation changes rather than trying to predict every future requirement on day one.

Growing inside Square can make sense when Square continues to support the workflows the business actually needs.

Simple is a strength when simple still does the job.

Square can be a strong choice when the business wants an approachable starting point and the Square ecosystem supports what it needs next. If the workflow eventually requires something Square does not handle well, that is when the system should be compared again.

See if Square fits →

Square devices

Start with where
the payment happens.

Square can start with payment acceptance on a compatible phone and extend into countertop, handheld, reader, and self service hardware when the business needs more.

The right setup depends on where orders happen, where customers pay, what the staff needs to do, and whether the business needs a full point of sale system at all.

More hardware is not automatically a better Square setup.

No dedicated Square hardware

Tap to Pay

Payment on a compatible phone

For an eligible Square setup, a compatible phone can accept supported contactless cards and digital wallets without requiring a separate Square card reader.

This can be useful when the business mainly needs simple mobile payment acceptance rather than a larger point of sale setup.

Countertop

For a fixed register, counter, service desk, or checkout area.

Square Register point of sale system

Square Register

Full countertop POS

Square Register is Square's dedicated countertop point of sale with an employee display and a separate customer facing display for checkout and payment.

A strong option when the business wants a purpose built Square register rather than building the setup around an iPad.

Square Terminal point of sale system

Square Terminal

Compact POS with a printer

Square Terminal combines payment acceptance, a touchscreen point of sale experience, and an integrated receipt printer in a compact device that can live on a counter or move when the workflow requires it.

Useful when the business needs more than a simple reader but does not need a full Register setup.

Square Stand with compatible iPad

Square Stand

Turn a compatible iPad into a POS

Square Stand creates a countertop Square point of sale around a compatible iPad and lets the screen turn toward the customer for checkout and payment.

Additional accessories can be added when the merchant workflow requires them.

Mobile

For employees or businesses that need to take the payment away from a fixed register.

Square Handheld point of sale device

Square Handheld

Full POS that moves with the staff

Square Handheld is a portable point of sale with integrated payment acceptance for taking orders, checking out customers, and performing supported Square tasks away from the main counter.

Square also includes built in scanning and camera capabilities that can support applicable retail and item workflows.

Square Reader for contactless and chip

Square Reader

Reader for a compatible phone or tablet

Square Reader for contactless and chip connects to a compatible device and accepts supported chip cards and contactless payments.

It can make sense when the business needs portable card acceptance without carrying a larger Square point of sale device.

Self service

For businesses that want the customer to place the order and complete payment without requiring an employee to enter every transaction.

Square Kiosk self service system

Square Kiosk

Customer self service

Square Kiosk combines Square kiosk hardware with a compatible iPad and the applicable Square Kiosk software for customer ordering and payment.

It should be evaluated when self service improves the actual ordering workflow, not simply because the hardware is available.

Start with the lightest setup that does the job.

A merchant may need a phone, a reader, a complete countertop system, handhelds, or a kiosk. The right Square setup is the one that solves the actual workflow without adding equipment the business will not use.

Build my Square setup →

Product photography supplied by Block, Inc.

Industries

Start with the workflow.
Then see if Square fits.

Square can fit very different businesses for very different reasons. What matters is whether its checkout, payment, software, online, and device options line up with the way the business actually works.

We review the current system and workflow before deciding whether Square is enough, more Square is needed, or another setup makes more sense.

Pricing is a separate decision based on the merchant's actual numbers.

Retail & shops

Square can be worth evaluating when the business needs straightforward checkout, items, inventory, employee access, returns, and other store functions inside the Square ecosystem.

The current store system should still be reviewed before replacing it.

See the retail workflow →

Restaurants & bars

Counter service, table service, handheld ordering, tips, online ordering, and kitchen workflows can all be reasons to evaluate the applicable Square restaurant setup.

The exact Square products and software still need to fit the way orders move through the restaurant.

See the restaurant workflow →

Salons & spas

Booking, service checkout, tips, deposits, retail products, memberships, and recurring payments can make the broader Square ecosystem worth evaluating.

If the existing booking system already works well, determine whether it actually needs to be replaced before changing it.

See the salon workflow →

Professional services

Square can make sense when a firm wants simple in person checkout, appointments, invoices, or other Square payment workflows without building an oversized point of sale environment.

A business focused primarily on remote invoices, recurring billing, or payment links may also want to compare Phase 3 VT or another payment setup.

See the professional services workflow →

Online stores

Square can be worth evaluating when the merchant wants Square's online and in person commerce tools to operate within the same broader ecosystem.

If the business needs a specific gateway, ecommerce platform, checkout architecture, or integration, compare those requirements before choosing Square for online payments.

See the online store workflow →

Construction & trades

Square can fit when the business wants simple mobile card acceptance, invoices, or another straightforward Square payment workflow without a large point of sale setup.

If the business mainly needs remote invoices, payment links, recurring billing, or another payment workflow, compare those options before adding more POS than the business needs.

See the construction workflow →

Square works best when the workflow can stay simple.

Two businesses in the same industry can need completely different systems. Square earns the recommendation when its products cover what the business actually needs without forcing unnecessary complexity.

If Square stops fitting, compare again.

Starting simple is useful. Staying with the wrong system just because the business started there is not.

Not sure Square is the one?

Compare all POS systems →

What it costs to run

Square can start simple.
Know what you are adding.

Square can have a relatively simple starting cost when the business only needs basic payment or point of sale functions.

The total changes when the merchant adds hardware, different software capabilities, additional Square services, more devices, or other tools around the core setup.

The right comparison is the Square setup your business will actually use.

Payment processing

Processing cost depends on the Square plan, payment method, transaction type, merchant volume, and the Square arrangement that applies to the business.

Use the merchant's actual payment mix and expected transactions when comparing the economics.

Software plan

Square offers different software capabilities and plan levels depending on what the business needs to run.

The applicable software cost should be shown separately from payment processing so the merchant can see what each part of the setup is doing.

Hardware

Some Square payment workflows can begin without dedicated Square hardware, while other businesses may need a reader, countertop system, handheld, kiosk, accessories, or several devices.

Hardware should be added because the workflow requires it.

Additional products and services

A business may choose additional Square tools or third party services for functions beyond the core setup.

Each addition should solve a specific business need, and its applicable cost should be understood before it becomes part of the system.

Compare the version of Square you will actually use

A simple Square setup and a business running multiple devices, paid software capabilities, additional services, and several payment channels are not the same cost.

Put the applicable pieces together before deciding whether the setup makes financial sense.

Square pricing depends on the setup.

Square changes products, plans, hardware, features, and pricing over time. Phase 3 confirms the current configuration and applicable costs for the merchant before the business approves the setup.

Start simple does not mean stop counting.

Square can be economical when the business needs a straightforward setup. As devices, software, and additional services are added, keep looking at the complete cost instead of only the original starting point.

See my Square setup and cost →

Buying through Phase 3

Square is the platform.
The setup around it still matters.

Square makes it possible to start relatively simply. That does not mean every business should choose the first Square configuration it sees.

The payment workflow, software, hardware, merchant account needs, implementation, support, and total cost still deserve to be reviewed around the business that will actually use the system.

That is the part Phase 3 brings to the Square conversation.

Start with the business

We look at where payments happen, what the staff needs to do, which Square functions matter, what the current system already handles, and what the business is actually trying to improve.

The answer may be a simple Square setup, a broader Square system, or something other than Square.

Review the payment setup

Square is only one part of the payment decision. Phase 3 reviews the merchant's payment flow, processing needs, account requirements, and the Square configuration being considered.

The goal is to understand what is being approved before transactions begin.

See the complete setup

Hardware, software, additional Square products, devices, services, and payment processing can all affect what the merchant is actually buying.

Phase 3 should make the applicable pieces clear before the business approves the setup.

Coordinate the implementation

Phase 3 coordinates the implementation work that applies to the approved Square setup so the merchant knows what has to be configured, tested, and ready before launch.

The exact work depends on the business, Square products, existing systems, devices, software, and integrations involved.

Support after launch

Payment and equipment support is available 24/7 from a US based team.

Depending on the issue, the next step may also involve Square, an integration provider, another software provider, the processor, or technology used in the merchant setup.

Phase 3 Digital if you need it

Phase 3 can also build and manage the public business website and provide ongoing search and advertising services through Phase 3 Digital.

Digital stands on its own. Payment processing and Square are not required.

Managed Website service is $99 a month with Phase 3 processing or $199 a month as Standalone Digital.

The value is not making Square more complicated.

The value is helping the merchant choose the right Square setup, understand what it costs, get the applicable pieces configured, and know where to start when something changes later.

If the business only needs a simple Square setup, keep it simple.

Build the right Square setup →

Before you decide

Ask the questions that matter
before you choose Square.

Square can be simple to start with, but the decision still deserves more than a quick signup.

Think about what the business needs today, what it may need next, what the complete setup costs, and what happens when the account or technology needs attention later.

Is Square only for very small businesses?

No single business size determines whether Square fits. The better question is whether the Square products, software, payment workflows, and operating tools support what the business actually needs.

A simple operation may need a light Square setup. A more complex business may use a broader Square configuration. Size alone does not make the decision.

What if I outgrow the Square setup I start with?

Then compare the requirements again. Square has expanded well beyond the basic setup many businesses remember, but that does not mean it will always remain the right system for every workflow.

As the business changes, review the devices, software, locations, ordering, inventory, integrations, and payment needs again before adding more Square or replacing it.

Can my account still be reviewed or my funds be delayed?

Yes, payment accounts can be subject to review depending on the merchant, transaction activity, account terms, risk signals, documentation, and the payment relationship involved.

Accurate business information and a payment setup that matches the way the merchant actually operates matter, but no provider should promise that an account will never be reviewed or that funding can never be delayed.

Is Square still simple once I add more products?

It can be, but the total setup changes as the business adds hardware, software capabilities, additional Square products, services, devices, or integrations.

Start simple because simple works, not because the extra pieces are invisible. Keep looking at what each addition does and what it costs.

Who do I call when something goes wrong?

Phase 3 payment and equipment support is available 24/7 from a US based team.

Depending on the issue, the next step may also involve Square, an integration provider, another software provider, the processor, or technology involved in the merchant setup.

The important part is knowing where to start when something stops working.

Square should still fit after the business changes.

Starting simple is useful. Staying with Square just because the business started there is not. Revisit the workflow when the operation changes and make Square earn the next stage too.

Ask us the Square questions →

Before you commit

Square should
earn its place.

Square is attractive because it can start simple. That does not mean simple is automatically the right answer for every business.

Before replacing anything, look at what the current system already does well, what the business cannot afford to lose, and what Square would actually need to improve.

Keep what already works

If the current point of sale already handles the business well and the real problem is payments, equipment, support, or another part of the setup, replacing the entire system may create more work than value.

Changing less can be the better recommendation.

Protect the workflow the business depends on

Some businesses rely on specialized ordering, inventory, booking, hospitality, service, or other operating workflows that matter more than using Square specifically.

If a requirement is essential, verify that the Square configuration actually supports it before replacing the current system.

Know when simple becomes complex

Square can start with a light setup, but additional devices, software, services, locations, integrations, and operating requirements can change the system significantly.

If the business keeps adding pieces to make Square fit, compare the complete setup again.

Do not buy a POS for a payment problem

Some businesses mainly need card acceptance, invoices, payment links, recurring billing, remote payments, or another straightforward payment workflow.

If the business does not need broader point of sale functions, a simpler payment setup may make more sense than adding Square POS. Phase 3 VT, online payments, or a simple terminal can be enough when those fit.

The goal is not to keep you on Square.
The goal is to keep the right system.

Sometimes Square is exactly right. Sometimes the business grows into a different requirement. Sometimes the current system should stay and only the payment setup should change.

See if Square fits → Compare all POS systems →

The alternatives

If Square stops fitting,
Compare what the business needs next.

Square can be a strong place to start. If the business eventually needs something different, compare the systems against the requirement Square is no longer meeting.

Sometimes another POS fits better. Sometimes the current system should stay. Sometimes the business does not need a full point of sale system at all.

Clover

Broader POS platform

Worth comparing when the business wants a broader mix of countertop, handheld, customer facing, kiosk, app, and operating options than the Square setup being considered.

Clover brings a lot of breadth. Make sure the business actually needs that breadth before adding the complexity.

Explore Clover →

Quantic

Different restaurant and retail workflows

Worth comparing when the business needs restaurant, retail, ordering, checkout, inventory, device, or operating workflows that should be evaluated against what the Square setup provides.

Confirm the exact software, devices, integrations, and processing configuration required for the merchant.

Explore Quantic →

KORONA POS

Deeper inventory and location needs

Worth comparing when detailed inventory, product management, multiple locations, or another operating requirement is central to the POS decision.

The requirement should be defined first, then verified against the actual KORONA POS configuration and integrations available to the merchant.

Explore KORONA POS →

Union

Hospitality and bar workflows

Worth comparing when bar service, tabs, hospitality operations, speed at checkout, or another venue specific workflow needs to be evaluated against the Square restaurant setup.

Compare the exact workflow rather than assuming every bar needs the same system.

Explore Union →

SumUp

Lighter checkout

Worth comparing when the business needs a straightforward checkout or payment setup and does not need the broader Square ecosystem.

The simpler system is the better system when it still covers the workflow.

Explore SumUp →

What if you do not need another POS?

If the real need is card acceptance, invoices, payment links, recurring billing, remote payments, or another simpler payment workflow, replacing Square with another complete POS may solve the wrong problem.

Phase 3 can compare simpler payment options before recommending another full system.

See payment options → See terminals →

Do not leave Square for a different logo.
Leave it for a better fit.

Identify what Square is no longer doing well enough, then compare the systems that actually solve that requirement. If Square still does the job, keeping Square is a perfectly good outcome.

Compare all POS systems →

Square FAQ

Before you choose Square,
get these answers.

Square can start simple, but the right setup still depends on how the business takes payments, which software it needs, what it already uses, and how much of the Square ecosystem actually belongs in the operation.

For an eligible Square setup, a compatible phone can support Tap to Pay for supported contactless cards and digital wallets without requiring a separate Square card reader.

That can be useful when the business mainly needs simple mobile payment acceptance.

If the workflow needs chip card acceptance, printing, a larger checkout screen, handheld point of sale functions, self service, or other operating tools, dedicated Square hardware may make more sense.

That depends on what you need.

A simple Square setup may be straightforward to start. Working with Phase 3 makes more sense when you want help comparing the workflow, deciding which Square products belong in the setup, understanding the payment relationship, coordinating implementation, or having Phase 3 payment and equipment support as part of the relationship.

The decision should be based on the actual setup, not an assumption that one purchasing path is always better.

Maybe. An existing Square relationship needs to be reviewed before anyone promises what can stay exactly as it is.

The answer can depend on the existing Square account, hardware, software, subscriptions, payment setup, business data, and the Square relationship involved.

Phase 3 should confirm what can remain, what may need to change, and what information can or cannot be moved before recommending a transition.

When dedicated hardware solves something the business needs.

A fixed checkout may call for Register, Terminal, or Stand. A mobile workflow may call for Handheld or Reader. A self service workflow may call for Kiosk.

A business that mainly needs compatible Tap to Pay may not need a larger Square hardware setup.

Choose the device from the job it has to do.

Square offers online commerce and digital payment tools that can make sense when the merchant wants online and in person activity within the broader Square ecosystem.

But Square should not automatically become the online payment answer just because the business uses Square in person.

If the business already has an ecommerce platform, needs a specific gateway, requires a particular checkout architecture, or depends on important integrations, review those requirements before changing the online payment setup.

It can be.

Square offers restaurant and hospitality tools that may support counter service, table service, handheld ordering, tips, online ordering, and other applicable workflows.

The right answer still depends on how orders move through the business, what happens at the bar or table, which kitchen functions matter, what software is already in place, and which Square configuration supports those requirements.

It depends on the Square setup the business will actually use.

Applicable costs can include payment processing, software, hardware, additional devices, additional Square products or services, accessories, and other technology involved in the configuration.

Phase 3 should show the applicable pieces before the business approves the setup.

Availability depends on the approved processing relationship, Square configuration, merchant setup, customer experience, applicable program requirements, and other factors that apply to the account.

Do not choose a pricing program simply because the business uses Square.

Phase 3 should review the merchant's actual processing numbers and approved configuration before recommending dual pricing, surcharge, or another pricing structure.

Possibly. Existing software should be reviewed before replacing it.

If the current booking, accounting, restaurant, retail, ecommerce, service, or other operating system handles an important workflow well, determine whether Square can work alongside it, whether a verified integration exists, or whether changing it creates more problems than it solves.

Keeping good software is a valid outcome.

It depends on what is changing.

A simple payment setup is different from a business adding multiple devices, items, employees, restaurant workflows, ecommerce, kiosks, integrations, or another larger Square configuration.

Phase 3 should review the actual project and give the merchant a realistic implementation plan before anything changes.

Phase 3 payment and equipment support is available 24/7 from a US based team.

Depending on the issue, the next step may also involve Square, an integration provider, another software provider, the processor, or another technology involved in the merchant setup.

The important thing is knowing where to start when something needs attention.

Yes. Phase 3 Digital can provide the managed Website service separately from Square.

Website pricing is $99 a month with Phase 3 processing or $199 a month as Standalone Digital.

Phase 3 Digital also offers ongoing search work and paid advertising management through the applicable Digital plans.

Square and payment processing are not required to use Phase 3 Digital.

Still not sure Square is the one?

See if Square fits → Compare all POS systems →

Tell us what isn't working.
We'll tell you what's worth changing.

Tell us what you are trying to fix or improve. We will tell you what should stay, what is worth changing and where Phase 3 can help.

Sometimes the honest answer is nothing.