Loyverse vs Square: Cost and Fees Calculator
Enter your volumes to compare estimated monthly costs and fees for Loyverse and Square across the selling types both offer, using published US pricing.
Full POS system
Estimates combine processing fees and monthly subscriptions on the plans noted above. One-time hardware, setup, and add-ons are excluded. Rates are published or typical US pricing as of mid-2026 and may have changed.
How the Loyverse vs Square calculator works, and how the two compare
Loyverse is a genuinely free POS app for small retail and hospitality businesses, monetized through optional add-ons. Loyverse's core POS software is free with no transaction surcharge from Loyverse itself; you pay only your integrated payment processor (typically 2.6% + $0.10 through partners) plus optional add-ons like employee management at $25 per month. Square is an all-in-one flat-rate payments company covering card readers, full POS systems, and online stores. Square charges 2.6% + $0.15 in person on its free plan (readers from $59, Square Terminal $299), and 3.3% + $0.30 online on the free plan; paid plans at $49 and $149 per month lower those rates.
How they are similar: Where they overlap: both Loyverse and Square cover running a full point-of-sale system, which is what this calculator compares. Neither requires a monthly subscription on the plans compared here, so your cost scales purely with sales. In both cases the bill is driven by a percentage of each sale plus any fixed per-transaction fee, which is why your average transaction size changes the effective rate as much as the headline percentage does.
How they differ: Only Square offers in-person card readers and online selling, so that side of the business is not part of this comparison. Loyverse operates as a point-of-sale platform where software subscriptions and card processing come as a package, while Square operates as flat-rate card processing with published per-transaction fees. Loyverse is the budget outlier: $0 software forever, with the freedom (and the burden) of choosing and paying a separate integrated card processor. Square is the strongest all-rounder: one account covers in-person, POS, invoices, and a free online store, with no monthly fee required to start.
Assumptions used in this calculator
- Loyverse is modeled on: Free POS software; processing via integrated partners (2.6% + $0.10 typical).
- Square is modeled on: 2.6% + $0.15, free POS software, Square Terminal $299.
- Rates are published or typical US pricing as of mid-2026 and change often; quote-based providers are modeled at representative rates. Always confirm current pricing with the provider.
- One-time hardware, setup, add-on apps, keyed-in transactions, international cards, and chargeback fees are excluded from the monthly figures.