Why Merchants Research Square Alternatives
Square (Square (Block, Inc.)) is a well-known name in payment processing. But knowing a brand doesn't mean it's the best fit for your business. Here are the most common reasons merchants start looking for alternatives:
- 2.6% + $0.10 flat rate overcharges on debit cards and standard credit cards
- No interchange-plus pricing — paying more on every transaction
- No dedicated account representative when issues arise
- Account holds and fund stability concerns at higher volumes
- No Liberty Zero™ or 0% processing programs available
What Liberty Bancard Solves
Liberty Bancard is built as a merchant-first alternative to processors like Square. Here's what changes when you switch:
- Interchange-plus pricing reduces costs by 0.5%–1.0% for most merchants
- Dedicated account rep available by phone — knows your business personally
- Stable merchant account underwritten specifically for your business
- Liberty Zero™ program available — most card fees passed to card users*
- Free terminal for qualifying merchants
See the Side-by-Side Comparison
We've built a complete comparison page showing Liberty Bancard vs Square across pricing, contracts, support, and programs.
View Liberty Bancard vs SquareThe Most Important Step: Know Your Current Cost
Before comparing alternatives, you need to know what you actually pay — not just your quoted rate, but your effective rate including all fees. Upload your processing statement and get a free line-by-line analysis. We show you exactly what Square is charging and what you could be paying with Liberty Bancard.
Get Your Free Statement Analysis See Full Square ComparisonSwitching From Square
If you decide Square isn't right and you're ready to switch, we've put together a complete guide on how to make the transition smooth and risk-free.
→ How to Switch From Square