Bill.com vs Square: which should you pick in 2026?

Both are strong choices. The short answer: pick Bill.com if you are firms processing many bills and invoices. Pick Square if you are in-person sellers and retail.

Bill.comSquare
In one lineAP and AR automation for accounting teams.Card readers, POS and online payments for physical businesses.
PricingFrom $45/user/moFree POS; 2.6% + 10c in person
Free tierNoYes
Best forFirms processing many bills and invoicesIn-person sellers and retail
CategoryPayments & InvoicingPayments & Invoicing
Websitebill.comsquareup.com

Bill.com details Square details

Other options

StripePayPalWise BusinessMelio