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

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

SquareBill.com
In one lineCard readers, POS and online payments for physical businesses.AP and AR automation for accounting teams.
PricingFree POS; 2.6% + 10c in personFrom $45/user/mo
Free tierYesNo
Best forIn-person sellers and retailFirms processing many bills and invoices
CategoryPayments & InvoicingPayments & Invoicing
Websitesquareup.combill.com

Square details Bill.com details

Other options

StripePayPalWise BusinessMelio