GoCardless vs Square Pricing (2026)

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Which one is cheaper?

One or both use custom pricing, so it depends on your specific needs.

Can I use either one for free?

Square has a free plan. GoCardless doesn't — you'll need to pay from day one.

How do they charge?

Different approach here. GoCardless uses usage-based pricing, while Square goes with flat-rate. That changes the math depending on your team size and usage.

Which one is a better deal?

Depends on what you need. GoCardless: GoCardless sits mid-pack against Stripe and Adyen — not fighting on subscription price since there isn't one, but competing on transaction fees for bank-to-bank payments specifically, which undercuts card-based processors for recurring billing use cases. They're chasing subscription businesses and B2B billing teams tired of card decline rates and interchange fees. Square: Square sits in the middle of the POS pack — pricier than bare-bones processors like Stripe for pure payments, but cheaper and more self-serve than enterprise retail systems like Lightspeed or Shopify POS Plus. They're chasing brick-and-mortar and hybrid retailers who want hardware, software, and payments bundled without a sales call.

Still deciding? See the best GoCardless alternatives or the best Square alternatives, ranked with verified pricing.