Our rating(4.5/5)
Square Terminal is a stylish payment terminal that works without a connected till.
With the touchscreen card machine Square Terminal, you don’t need a connected tablet or computer – just the terminal is fine to manage your till point. Added bonus? Square’s simple pricing and no lock-in.
  • Pros: No monthly fees or lock-in. Receipt printer. Good battery life. Purchase in instalments. User-friendly and compact. 24/7 support. 2-year warranty. Offline mode.

  • Cons: Doesn’t work with 3G/4G. Hub for cash drawer costs extra.

  • Buy if: You want to save money and counter space by using one compact terminal as your POS system.

We have tested and photographed Square Terminal on different occasions for a genuine assessment of the product. We’ll begin with a summary of the package, followed by our detailed findings and opinions on it.

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What is Square Terminal?

Square Terminal works as a standalone payment and POS terminal with software and receipt printer built in. It accepts chip and contactless cards (with a slot for foreign swipe cards), and you can key in card details manually for phone payments.

Accepted cards

VisaVisa ElectronV PayMastercardMaestroAmerican ExpressContactlessApple PayGoogle PaySamsung Pay

Unlike traditional card machines, Square Terminal handles more than card payments. You can, for example, accept gift cards and edit your product library on the terminal.

The card machine comes with the Square Point of Sale software, navigated on the touchscreen. Customers enter their PIN on the touchscreen too. The terminal also integrates with the Square for Restaurants, Retail or Appointments POS systems to supplement their payment flows smoothly.

Transactions and activities on the terminal are connected with your backend Square account where more features, ecommerce tools and integrations are available.

Photo: Emily Sorensen (ES), Mobile Transaction

hand entering PIN on Square Terminal

PIN on glass (on the touchscreen of an industry-approved terminal like Square Terminal) is highly secure.

The payment terminal needs to be connected to the internet via WiFi. Optionally, you can purchase a Hub for Square Terminal that allows you to connect via Ethernet cable. It does not work with 4G or other mobile network connections, but accepts chip and PIN offline as long as it is back online within 24 hours.

Square Terminal can be linked with the Point of Sale app on an iPad, iPhone or Android device, providing a distance between the till screen and card machine. It’s also possible to connect the Square Virtual Terminal with the card machine, in this way creating transactions on a laptop to be paid by chip or tap in person.

Square Terminal only works with WiFi and broadband, not 4G since there is no SIM slot. I wouldn’t use it on the road because of that, only around fixed premises.

Emily Sorensen portrait   Emily Sorensen, Senior Editor at MobileTransaction

Our experience and view

If you’re looking for a compact, affordable point of sale without lock-in or complicated fees, we think Square Terminal is a strong contender. The sleek payment terminal fits nicely in a small shop, receipts are detailed, the battery life is great (one whole day!) and the offline mode helps when the internet goes awry.

There are also plenty of add-ons like an online store builder, invoicing, phone payments and connecting with a wide range of business tools. Some of these have different charges, but using the Terminal only costs the transaction fee.

Square Terminal’s 24/7 support and 2-year warranty also ease concerns about durability when competing card machines by Zettle and SumUp only offer a 12-month warranty and limited support hours. With the monthly instalments, you don’t even need to pay for it in full upfront.

The main downside is its lack of mobile connectivity when out and about.

Summary of how our Square Terminal ratings:

Square Terminal ratings
Criteria Verdict
Payments: Good / Excellent
Hardware: Good / Excellent
Software: Excellent
Good / Excellent
Cost and fees Good / Excellent
Value-added services Good / Excellent
Contract Excellent
Sign-up and transparency Excellent
Customer service Good

Bottom line: Square Terminal is overall excellent value for a small shop that doesn’t want monthly fees or commitment.


Good/Excellent (4.6/5)

All of our tests of accepting a card payment on Square Terminal have gone smoothly. From the checkout interface, it’s quick to find the payment button and proceed to payment with the help of timely on-screen prompts. The (on-screen) PIN pad has large buttons for easy PIN entry.

Receipts can be printed straight from the terminal following each transaction, minimising friction if a customer wants a paper receipt instead of a virtual one. Many additional payment methods can be added, like over-the-phone transactions. If the internet goes, the offline mode will still let you accept cards so you don’t have to awkwardly turn away customers.

The speed of deposits is competitive at 1-2 business days or instantly (for a fee).

Quality of hardware and design

Good/Excellent (4.5/5)

The card terminal doesn’t feel cheap, but is vulnerable to minor scratches with active use over time, like most smart devices. The touchscreen is very responsive and the terminal is a good size to hold in the hand – not too bulky or too heavy. The receipt printer is very intuitive to use – it’s easy to rip off paper receipts and intuitive to change the paper roll without checking a manual.

We only have a couple of improvement suggestions: to introduce haptic feedback when tapping buttons to make it even more intuitive, and include a SIM card slot for 3G/4G connectivity to make it usable everywhere.

Software on terminal

Excellent (4.8/5)

From setting up to managing your store, the terminal software has always been extremely easy for us to work out intuitively. The interface and payment flow are stripped of unnecessary steps, and colour schemes, button sizes and fonts are easy to understand. The software is regularly updated, showing that Square addresses software bugs and actively listens to users to improve the app.

We also love that it integrates with Square’s specialised POS systems and online ordering, so you can set up the terminal to fit with different functions of your checkout.

Price and fees

Good/Excellent (4.3/5)

The terminal’s price is fair for its quality and software features. If the upfront cost is prohibitive, the interest-free instalment option is excellent. The transaction fee is similar to Square’s closest competitors Zettle and SumUp. Few other fees apply, unlike many competitors that add hidden charges.

Value-added services

Good/Excellent (4.3/5)

We have always loved the wide range of online payment tools that every Square user can access. You are buying into Square’s whole integrated platform of business tools, which is superior to other payment companies.

If Square’ own software is not enough, there are many integrations to connect the platform with tools like accounting software and inventory systems.


Excellent (5/5)

Square has never been demanded contractual commitment to its products, so you are never tied into their system if you sign up. And since there are no monthly fees with Square Terminal, you don’t even need to cancel anything if you decide to stop using it. In the world of payment processing, this is rare.

Sign-up and transparency

Excellent (4.8/5)

Signing up is fast, easy and all done online without having to call a sales rep who will try to pressure you into a deal (which many providers do). Fees and terms are pretty transparent on the website too, so you don’t have to contact a support agent to ask for pricing.

Customer service


Square generally takes customer issues seriously. If you are buying Square Terminal, you also get 24/7 support via email, chat and telephone, unlike users who only go for Square Reader – they can only call during weekday daytime hours.

We are also aware of some users experiencing issues having their account verified or funds frozen, where further documents are requested. So not everyone has it easy.

Fees and payouts

A major upside to Square is its simple costs. You just pay for the terminal, then a fixed transaction rate for any debit and credit cards processed.

There is no minimum sales volume required, payout fees or contract lock-in. Unless you have opted to pay for the terminal over a number of months, there are no fixed monthly costs either.

The Square card machine costs £149 + VAT upfront. Alternatively, you can choose to pay in instalments of 3, 6 or 12 interest-free monthly payments (subject to credit check and approval). If you pay over 6 months, the monthly instalment is £25 – an attractive option for many startups. The repayments are handled internally by Square, not by a third-party provider, and the first payment is taken when you place the order.

Square Terminal price Upfront: £149 + VAT
Instalments: £25 x 6 months
Hub for Square Terminal (optional) £39 + VAT
Shipping Free
Chip, contactless card rate 1.75%
Keyed card rate 2.5%
Ecommerce transaction fees European cards: 1.4% + 25p
Non-European cards: 2.5% + 25p
Settlement 1-2 business days: Free
Instant: 1% extra fee
Refunds Original transaction fee is retained
Chargebacks Free

If you’re connecting the terminal to other hardware, you’ll need the Hub for Square Terminal costing £39 + VAT. Many other compatible accessories are available through Square’s website.

Transactions cost a fixed rate, 1.75%, for all chip, contactless and swipe card payments through the terminal regardless of card brand, country of issue or whether it is premium.

All key-in payments through the terminal, invoices or virtual terminal cost 2.5% per transaction. Ecommerce transactions via the online store or payment links cost 1.4% + 25p for European cards and 2.5% + 25p for any other cards.

If your customer wants a refund, the fee charged from you for the original transaction will be retained by Square while the customer gets the full refund. Chargebacks incur no admin fees and include free payment dispute support from the Square team.

Transactions are automatically cleared – free – in your bank account within 1-2 working days. If you want the money faster, you can activate Instant Transfers in your account and a 1% transaction fee will be added to the card rate. You then receive the money in your bank account nearly instantly (within a couple of minutes or hours). For example, for chip and PIN cards, you pay 2.75% per transaction with Instant Transfers.

Best Square Terminal offer

Limited offer

Buy Square Terminal for £149 + VAT or pay interest-free instalments for 3, 6 or 12 months. No ongoing fees or lock-in. Free delivery in 2-3 working days.

MobileTransaction is an independent payment industry resource trusted by over a million small businesses per year.

We allow solution providers to offer product discounts for the benefit of our readers, which do not influence our reviews. Ratings are based on full retail price. (Policy)

Terminal specs and features

Apart from looking pretty, what should you know about the payment terminal?


Physically, it’s a bit heavier than a traditional Ingenico card machine (417 g versus circa 300 g) due to the large screen, compared with the small screen of a mainstream terminal with push-buttons. Two rubber strips underneath keep it stable on a desk, and a hole allows you to screw the terminal to a surface.

The battery can last all day without a charge – impressive given the large, energy-consuming touchscreen. But we found that leaving it on standby drains the battery completely by the next day.

Photo: ES, Mobile Transaction

Underneath the terminal.

Therefore, we recommend switching it off completely when you don’t plan on using it to avoid having to recharge it first the next time you need it.

Photo: ES, Mobile Transaction

Square Terminal left side

The power cable socket and power/standby button are on the left side of the terminal.

Because it runs on a local, secured WiFi connection, it can be used across your premises, for example for payments at the customer’s table. The Ethernet connection through the Hub could be necessary if your WiFi is unreliable, but then you have to keep the Terminal connected at the till point.

It’s possible to accept chip and PIN, Apple Pay and Google Pay offline, but not contactless cards, as long as you get back online within 24 hours to finish processing the payment through the internet.

Tech specs
Dimensions 142.2 (L) x 86.4 (W) x 63.5 (H) mm
Screen size 139.7 mm (5.5″)
Weight 417 g
Data WiFi (secured network only), Ethernet via Hub (extra cost)
Card technology EMV (chip), NFC (contactless), swipe
Battery life All day from full charge
Built-in receipt printer Uses 57 mm (width) x 35 mm (diameter) thermal receipt paper
Accessories included Square Terminal, power adaptor, receipt paper roll, ‘accepted cards’ decals


The default software is basically the Square Point of Sale app (downloadable on a mobile device as well).

It has a highly adaptable interface:

  • Add to the shopping cart by entering price amounts manually or tapping to add products from the library or the ‘favourites’ grid.
  • You can create open tickets straight from the checkout screen and save them for quick access.
  • You can customise the bottom menu to include the functions you use the most, e.g. reports.
  • The checkout flow and products can be edited on the terminal – no need to log in on a computer to do it.
Square Terminal keypad

Enter an amount to add to the bill.

Square Terminal product library

Product menu as the checkout screen.

Add product variants like size and colour and enable the Eat-in, Takeaway, Delivery or Pickup options if you’re a café, for selecting during the checkout flow.

What about payment options? You can accept:

  • Cash
  • Debit and credit cards and mobile wallets
  • Online payments via links or QR code
  • Cards on file (saved in the customer library)
  • Electronic gift cards (issued from the terminal too)
  • Invoice payments
  • Manually-entered card details

The fact you can split the tender and add custom or preset tips makes it even more flexible. Once the transaction is complete, you get the choice between printing, emailing or texting the receipt.

Square Terminal payment method options

Payment methods.

Square Terminal receipt options

Receipt options after a transaction.

The customer library enables you to add a person to the invoice rather than entering recipient details manually. You can create and send Square Invoices directly on the terminal, accessed from the side menu. Over-the-phone payments are also possible – just add products or enter an amount on the regular checkout screen and choose manual card payment as the payment method.

If you use the browser-based Virtual Terminal, transactions can be sent from your computer to Square Terminal for a chip or contactless payment. As long as the card payment was completed by contactless or chip and PIN, the fee is 1.75% (less than if it’s accepted remotely).

Transactions, sales history and reports are viewable on the terminal. In fact, you go to Transactions to process a refund (itemised or custom amount) or resend a receipt via email or text. Receipts are customisable, and food places can set the terminal to print order tickets.

Pickup and delivery orders paid for online can be managed on the terminal, which we found very handy for order fulfilment.

transactions list on Square Terminal

Transactions overview.

sales summary on Square Terminal

Sales summary.

The QR code and payment link options weren’t accessible on the terminal just a couple of years ago, so it’s good to see Square is actively developing the product.

Your choice of iPad, iPhone or Android device can connect with Square Terminal as long as it’s through one of Square’s POS apps. There will always be more Square features on the tablet or smartphone, but at least the terminal works in sync with the booking, retail or hospitality system for table-side payments, stock take, till transactions or other purposes.

Photo: ES, Mobile Transaction

Square Terminal paper receipts

Square’s built-in receipt printer produces itemised and customised receipts, as opposed to traditional card machines that only display transaction totals.

The software is updated automatically daily when the Terminal is connected to the internet. So prepare to wait for the update to process when you switch on the terminal every day (it took minutes on most days we tested it).

For increased security, we recommend setting the terminal to require a password (can be reset) every time someone wants to log in.

The software is updated automatically daily when the Terminal is connected to the internet. So prepare to wait for the update to process when you switch on the terminal every day (it took minutes on most days we tested it).

Emily Sorensen portrait   Emily Sorensen, Senior Editor at MobileTransaction

Square Terminal vs Square Reader

Given how cheap the Square card reader is, you may be wondering why there’s a big price difference.

Put simply, Square Terminal is a premium, self-sufficient card machine from Square, while Square Reader has no screen, no PIN pad, no receipt printer and no app features on the card reader itself. The Reader is fully dependent on the Square POS app on a connected smartphone, iPad or Android tablet.

Square Terminal Square Reader
Square Terminal front Square Reader
Price £149 + VAT £19 + VAT
Size 142.2 (L) x 86.4 (W) x 63.5 (H) mm 66 (L) x 66 (W) x 10 (H) mm
Weight 417 g 56 g
Connections WiFi, Ethernet via Hub (extra cost) Bluetooth to mobile device with network connection
Works without phone/tablet
Built-in receipt printer
Square Terminal front Square Reader
£149 + VAT £19 + VAT
142.2 (L) x 86.4 (W) x 63.5 (H) mm 66 (L) x 66 (W) x 10 (H) mm
417 g 56 g
WiFi, Ethernet via Hub (extra cost) Bluetooth to mobile device with network connection
Works without phone/tablet
Built-in receipt printer

Another major difference is connectivity. Square Reader uses Bluetooth to connect to a mobile device running the POS app, and it is the mobile device that connects to the internet through its SIM card (using 3G or 4G) or WiFi. Square Terminal directly connects to the internet without the need for a phone or tablet, but then it cannot use a 3G/4G network, deeming it useless in places with no secured WiFi or fixed Ethernet setup with Square Hub.

Photo: ES, Mobile Transaction

Square Terminal on a shiny table

Square Terminal prints detailed receipts and has swipe card functionality, unlike Square Reader.

On a practical level, Square Reader is tiny compared to the Terminal, so it’s very convenient on the go. Of course, this requires using both the card reader and phone or tablet, and some customers may be hesitant entering their PIN on your mobile screen.

Square Terminal’s PIN entry is more practical since it happens on the terminal directly, although you do have to create the transaction first before handing the terminal to the customer. But if you connect Terminal with the Square POS app on a mobile device, you can leave the card machine facing the customer while you use the POS screen on a different device.

Hardware integration

If you wonder “how does this work with the rest of the POS system”, we should emphasise the terminal is the POS system.

That said, you can still connect it to up to three hardware pieces through the optional Hub for Square Terminal (purchased separately for £39 + VAT). The Hub connects to the terminal via a cable and has three USB ports for POS hardware and one Ethernet socket for internet.

Photo: Square

Square Terminal Hub has three USB ports for optional POS accessories.

Compatible till equipment is plugged into the Hub’s USB ports (Bluetooth not accepted) and includes:

  • Receipt printers
  • Kitchen ticket printers
  • Kitchen display
  • Cash drawers
  • Barcode scanners

You may alternatively just use Terminal for the card acceptance part, allowing distance between you and customers. This requires a tablet or smartphone with Square Point of Sale in the vicinity or a computer with Square Virtual Terminal open (can be placed remotely). A connected Terminal could then be fixed to your countertop.

It’s perfectly possible to run the Square POS system separately on a tablet at the till with Terminal taking payments independently elsewhere, as long as they’re connected to the same Square account.


On the card machine, you can view sales history, generate custom reports, track cash drawer activity and sales by team member.

Square users have backend (browser) access to sales reports sorted by date, location, time period and more, and reports can be exported to Excel. There are lots of other free analytics on gift cards, popular sales categories, sales trends, transaction status, discounts, employee sales, etc. Custom reports can also be created.

If these are not enough, you can integrate your Square sales with more advanced accounting and reporting tools including QuickBooks, Enterpryze, KashFlow, Shogo, Xero and Zoho Books.

Who is Square best for?

If you’re a small shop, café, hairdresser or any type of merchant who doesn’t require massively complicated POS features, Square Terminal will save you counter space and money because you don’t need to buy a receipt printer, tablet or touchscreen monitor. And if you’re cashless, the terminal would be all you need.

If your sales are primarily online, but you also have a brick-and-mortar store, the simple Square Terminal checkout could be what you need to connect those sales without superfluous equipment to fill your face-to-face shop.

It works best in locations with a fixed WiFi connection or a till point with an Ethernet cable. We would not recommend it for use on the go where WiFi networks can’t be depended on (since it lacks a 4G connection), but you can always accept chip and PIN and mobile wallets offline.

Of course, if you’re already using Square Reader, there’s no faff changing over to Square Terminal. It is only if you require more custom features that we recommend looking for a card machine that connects with advanced POS software.

Customer service and user reviews

Square provides 24/7 support over the phone exclusively for Square Terminal users. This is more than what’s available with Square Reader that only entitles you to weekday support during work hours. There’s a very helpful Support Centre on the website, which answers most questions.

Furthermore, you get a two years’ warranty on the terminal and 30-day cooling-off period during which you can get a full refund if you don’t like the product.

Customer reviews in the UK are generally very good, implying the service works smoothly. Occasionally, users complain about sudden account closures and funds being held by Square, which is a security mechanism designed to weed out high-risk transactions or business sectors that Square considers high-risk.

The pricing is already set since it is the same for everyone, in contrast to many payment companies that like to get on a call to get business information before giving you a quote.

Emily Sorensen portrait   Emily Sorensen, Senior Editor at MobileTransaction

How to get started

Getting started with Square could hardly be any easier. The pricing is already set and the same for everyone, in contrast to many payment companies that require a call to get your business details before giving a quote.

Square just requires you to complete a short sign-up form with basic business and personal information. They will assess the information and check the validity of your bank account, but you are able to start selling straight after sign-up through the complimentary online invoicing tool, payment links and virtual terminal.

Photo: ES, Mobile Transaction

Square Terminal box contents

Square Terminal comes in a sturdy, white box (looks like an Apple product) containing the terminal, power cable, decals and ‘get started’ booklet.

It takes 2-3 days for your terminal to arrive after placing the order. The card machine is so intuitive that you don’t need a manual to set it up – just make sure your WiFi is working.

Your bank account can take around 4 days before it is properly set up to receive payouts. Any transactions accepted by then will just be held by Square until they can clear in your bank account.