Both are strong choices. The short answer: pick Wise Business if you are international invoicing and payouts. Pick Square if you are in-person sellers and retail.
| Wise Business | Square | |
|---|---|---|
| In one line | Multi-currency accounts with honest exchange rates. | Card readers, POS and online payments for physical businesses. |
| Pricing | Low FX fees, no monthly fee | Free POS; 2.6% + 10c in person |
| Free tier | Yes | Yes |
| Best for | International invoicing and payouts | In-person sellers and retail |
| Category | Payments & Invoicing | Payments & Invoicing |
| Website | wise.com | squareup.com |
Wise Business details Square details