— Finance Tool

Square

Last updated June 16, 2026 · Reviewed by ToolForge Editorial

Payments and point-of-sale with AI insights.

★ 4.7/5 · Used by teams worldwide · Since 2023 · 2.6% + 10c

2.6% + 10c Per card tap

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What Square does best

Square powers in-person and online payments, and its AI features surface sales trends and automate marketing for SMBs.

Who it's for: Retailers, restaurants, and SMBs taking payments.

Key features

Payments

In-person, online, and invoice payments in one.

AI insights

Spot trends and busy hours automatically.

Marketing

Auto-send campaigns from purchase data.

Ecosystem

Payroll, loans, and inventory add-ons.

The honest take

✓ What works

Easy setup
Transparent fees
Broad ecosystem

✗ What doesn't

Fees add up at volume
Lock-in to ecosystem
Support is tiered

Verdict

Square earns its place in a modern AI stack for teams that want payments and point-of-sale with ai insights It's a tool we recommend trying before you commit to a heavier alternative.

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