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Square Review UK

Fees, card readers, pros & cons

4.5Reviewed:
Visit Square
CafésSmall retailService businessesOnline + in-person

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Quick verdict

Square is the best free POS software you can get without signing a contract. The app is genuinely good, the ecosystem (online store, invoices, inventory, loyalty) is broad, and there's no monthly fee to start. It's our go-to recommendation for cafés, small retail and service businesses.

Best for

  • Cafés
  • Small retail
  • Service businesses
  • Online + in-person

Not ideal for

  • Businesses needing bespoke rates at large scale

Pricing

  • Flat 1.75% on in-person card payments, with no setup fee and no monthly fee on the standard plan.
  • Square for Restaurants and Square for Retail add paid tiers with deeper features.
  • Readers from £19 + VAT; the Square Terminal (£149 + VAT) is an all-in-one with a printer; the Register is a full till.
Monthly fee
£0 (paid POS tiers available)
Transaction
1.75% in-person (no monthly/setup fee on standard)
Reader from
£19 + VAT
Payouts
Next working day (instant transfer for a fee)

Hardware

The range scales nicely: a £19 reader for a phone/tablet, a Terminal handheld for table-side, or a Register for a fixed counter. You can start small and add hardware as you grow.

  • Square ReaderContactless + chip, pairs with phone/tablet
    £19 + VAT
  • Square TerminalAll-in-one handheld with receipt printer
    £149 + VAT
  • Square RegisterFull countertop till system
    £599 + VAT

Features & contract

No monthly fee
No contract
Restaurant features
Retail
Mobile selling
Online payments
Inventory
Invoicing
Virtual terminal
Tap to Pay
Fast payouts

Contract: No contract (pay-as-you-go). Support: Square's help resources are strong and the software is self-explanatory. Phone support is available during business hours.

Real-world use cases

  • Independent café: Excellent — free POS, tipping, quick menus and good reporting.
  • Small retail shop: Excellent — built-in inventory and an online store that syncs.
  • High-volume merchant after bespoke rates: Limited — the flat rate isn't negotiable; consider a quote-based acquirer.

Pros & cons

Pros

  • Genuinely good free POS app
  • No monthly fee, no setup fee on standard plan
  • Strong ecosystem: online store, invoices, inventory, loyalty
  • Square for Restaurants & Retail tiers if you grow

Watch out for

  • 1.75% flat rate isn't bespoke-cheap at high volume
  • Some advanced features sit behind paid tiers
  • Instant payouts cost extra

Square vs alternatives

Final verdict

The strongest free POS software option. Tidy app, decent ecosystem, no monthly fee to start. Great for small retail, cafés and service businesses that want software without signing their life away.

4.5

FAQs

Is Square really free?

The standard POS app and plan have no monthly or setup fee — you pay 1.75% per in-person transaction. Advanced Restaurant/Retail tiers and some add-ons are paid.

Is Square good for restaurants?

Square for Restaurants handles tables, coursing and tips well for small and mid-size venues. Larger operations sometimes prefer Lightspeed or a dedicated hospitality POS.