Alternatives to Square Credit Card Processing: Finding the Right Credit Card Processing Solution for Your Growing Business
For small businesses taking their first steps into accepting credit card payments, Square has often been the go-to solution—and with good reason. Its simple setup, predictable flat-rate pricing, and all-in-one approach have made it accessible for businesses just starting out.
But what happens when your business grows beyond those early stages? When you’re processing $50,000-$100,000+ monthly in credit card transactions, those convenient flat rates can become a significant drain on your bottom line. That’s when it’s time to explore alternatives to Square credit card processing that scale with your success.
The Square Dilemma: Convenience vs. Cost
Square has built its reputation on simplicity and accessibility, but this convenience comes with tradeoffs worth considering:
Square’s Advantages:
- Quick setup with minimal paperwork
- No monthly fees (though this often means higher per-transaction costs)
- All-in-one system with integrated POS features
- Straightforward flat-rate pricing structure
Where Square Falls Short:
- Flat-rate pricing becomes expensive at higher processing volumes
- Limited customization for specialized business needs
- Less personalized customer support
- Higher rates for keyed (card-not-present) transactions
- Less flexibility with payment types and processing methods
When your business reaches a certain scale—particularly that $50,000+ monthly processing threshold—these limitations can significantly impact your profitability.
Why Consider Alternatives to Square?
For growing businesses processing substantial monthly volumes, moving beyond Square can yield several key benefits:
- Cost savings through interchange-plus pricing models, where you pay the actual card network costs plus a smaller markup
- Personalized service with a dedicated account representative who understands your specific business
- Customizable solutions tailored to your industry and business model
- Advanced fraud protection features that reduce chargeback risks
- Integration capabilities with your existing business management software
- Multiple hardware options to match your specific operational needs
How Seaview Merchant Services Delivers Where Square Can’t
As a family-owned merchant services provider, Seaview Merchant Services offers alternatives to Square that address these limitations while providing the personalized attention growing businesses deserve.
Flexible Payment Processing Solutions
Seaview Merchant Services provides comprehensive payment processing options that adapt to how you do business:
- In-person transactions with modern, reliable terminals
- Online payment gateways for e-commerce businesses
- Invoicing solutions with integrated payment options
- Recurring billing systems for subscription-based businesses
- Mobile payment acceptance for businesses on the move
Hardware Options Beyond the Square Reader
While Square limits you to their proprietary hardware, Seaview Merchant Services offers multiple options to match your specific needs:
- Clover POS systems for comprehensive business management
- Dejavoo terminals known for reliability and ease of use
- PAX devices offering advanced features with intuitive interfaces
- Simple countertop terminals for straightforward payment processing
- Mobile solutions for businesses that need flexibility
Each option is selected based on reliability, security, and user experience—not because it locks you into a specific ecosystem.
The Personal Touch: The Seaview Merchant Services Difference
Perhaps the most significant contrast between Square and Seaview Merchant Services comes down to service approach:
- Dedicated account representatives who know your business by name
- Proactive support rather than reactive problem-solving
- Transparent pricing structures designed for higher-volume businesses
- Industry-specific optimization to address your unique challenges
- Regular account reviews to ensure you’re always getting the best rates
As a family-owned business ourselves, we understand the importance of personal connections and attentive service. Your success is directly tied to ours—something that gets lost in larger, more impersonal processing companies.
Is It Time to Move Beyond Square?
Consider these questions when evaluating whether Square still makes sense for your business:
- Are you consistently processing over $50,000 monthly?
- Have you calculated how much you could save with interchange-plus pricing?
- Does your business require more specialized payment solutions?
- Are you looking for a processor that treats you like a valued partner rather than just another account?
- Would you benefit from more personalized service and support?
If you answered “yes” to any of these questions, it may be time to explore alternatives that better align with your growing business needs.
Making the Switch: Easier Than You Might Think
Many business owners hesitate to change payment processors, fearing disruption to their operations. Seaview Merchant Services removes this concern with a seamless transition process:
- Free consultation to understand your specific needs
- Side-by-side cost comparison showing your potential savings
- Managed transition plan with minimal disruption
- Staff training on new systems and processes
- Ongoing support to ensure continued satisfaction
Ready to Explore Square Alternatives?
As your business grows, so should your payment processing solution. Seaview Merchant Services offers the flexibility, personal attention, and cost-effective options that growing businesses need.
Contact us today for a no-obligation consultation to see how much you could save by making the switch from Square to a solution tailored specifically for your business needs.
Remember, when you partner with Seaview Merchant Services, you’re not just getting a payment processor—you’re gaining a committed ally in your business growth journey.