Square offers point-of-sale and online payment tools. Its free invoicing feature is popular with freelancers, letting clients pay via card link with automatic reminders.
Quick Verdict
Rating: 4.2/5 — ★★★★☆
Best for: Freelancers who want free invoicing with automatic payment reminders
Not ideal for: International payments or multi-currency operations
Get started with Square →Key Facts
| Category | payment / payment-processor |
| FX fee | 🔴 2.9% |
| Withdrawal fee | Free |
| Monthly fee | Free |
| Payout speed | 1-3 days |
| KYC level | Standard (ID required) |
| Founded | 2009 |
| HQ | US |
Country Availability
| UK | Canada | Australia |
|---|---|---|
| ✅ | ✅ | ✅ |
Fees
| Fee type | Amount |
|---|---|
| FX conversion | 2.9% above mid-market |
| Withdrawal | Free |
| Monthly subscription | None |
| Currencies supported | 5+ |
Features
| Feature | |
|---|---|
| Bank transfer | ❌ |
| Card payments | ✅ |
| Crypto | ❌ |
| Virtual card | ❌ |
| Physical card | ❌ |
| Multi-currency | ❌ |
| Business account | ✅ |
| Mobile app | ✅ |
| API access | ✅ |
| Upwork integration | ❌ |
| Fiverr integration | ❌ |
Pros
- No monthly fee
- Mobile app (iOS & Android)
- Business account available
- API access
Cons
- High FX fee — 2.9%
- No bank transfer support
Who Should Use Square
Perfect for: Freelancers who want free invoicing with automatic payment reminders
Skip it if: International payments or multi-currency operations
How to Get Started
- Visit https://squareup.com and create an account
- Complete identity verification (Standard (ID required))
- Set up your payment receiving details
- Share with clients or connect to your freelance platform
Frequently Asked Questions
Is Square available in the UK? Yes — Square is fully available in the UK.
Is Square available in Canada? Yes — Square is fully available in Canada.
Is Square available in Australia? Yes — Square is fully available in Australia.
What are Square's fees? Square charges 2.9% for currency conversion.
Is Square safe? Square is a regulated financial service with a strong safety record. Always verify current regulatory status on their website.
This review was last updated 2026-03-30. Fees and availability may change — always check Square's website for the latest information.
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