Royal Capital Payments is an authorized Square reseller, in partnership with Deposyt.
Pay one flat rate to process. Or pay nothing.
2.6% or lower in person on Square, with no monthly fee and no contract. Or run the 4% program and keep 100% of every card sale. Same Square account, same hardware, and a person who sets it up with you and picks up the phone afterward.
*2.6% + 15¢ in person on Square Free, 2.5% + 15¢ on Plus, 2.4% + 15¢ on Premium. Custom pricing above $250k a year.
- 4M+businesses run on Square
- $0monthly fee on Square Free
- 0contracts, cancel anytime
Square × Royal Capital Payments
Counter, tableside, curbside, job site, market stall, website. One account for all of it.
Square builds the tools. We put you on the setup that fits how you sell, at the lowest cost, and we stay on the phone after you go live. One login, one set of numbers.
- Restaurants
- Retail
- Salons and barbers
- Trades
- Markets
- Pop-ups
Pick your Square
Buy the device your counter needs, not the one someone wants to sell you.
0% processing works on every one of them. Pay nothing to process, or pay the flat rate. Your call, on any device, from day one.
Square Handheld
A full point of sale that fits in a pocket. Built-in barcode scanner, all-day battery at 0.7 lb, and offline payments for up to 24 hours. $399, or $37 a month for 12 months.*
Buy this if your staff move and your tables turn.
Square Terminal
A handheld with its own receipt printer. Take the payment at the door or on the job site and hand over paper on the spot. $299, or $27 a month for 12 months.*
Buy this if you get paid on site and customers still want a printed receipt.
Square Register
Dual touchscreens for a high-volume counter. The customer-facing screen shows the cash price and the card price side by side, which is exactly what the 0% program needs. $899, or $44 a month for 24 months.*
Buy this if you run one busy register with a line at peak.
Square Stand
Turns the iPad you already own into a full register that swivels to the customer. The lowest-cost way to put real checkout on a small counter. $149, or $14 a month for 12 months.*
Buy this if you already own an iPad and space is tight.
Square Kiosk
Self-serve ordering. Customers build the order and pay themselves, the line moves faster, and every screen can upsell. $149, or $14 a month for 12 months.*
Buy this if the line is your bottleneck and the ticket could be bigger.
Square Reader
A pocket contactless and chip reader that pairs with your phone. The simplest way to start, on the same Square account you grow into. A magstripe reader is free with signup.
Buy this if you sell a few days a week and a counter is overkill.
*Monthly prices are Square financing, subject to approval. Stand and Kiosk prices don’t include the iPad. POS kits bundle a printer, cash drawer and scanner with any device.
Not sure which one?
Tell us what you do and we’ll point you at the right device.
No match for your business? Book a free call and we’ll spec it with you. Pay nothing to process, or pay the lowest flat rate in the industry, on any device from day one.
What you keep at 0%
Stop renting your own revenue. See what a year of fees buys instead.
How the 4% shows on a ticket
What one year buys
- Inventory at a 40% margin $57,600
- Marketing and loyalty budget $10,368
- Paid staff hours at $18 1,280 hours
- Family vacations at $4,500 5 trips
Estimates based on the volume and rate you enter. Effective rate is total monthly fees divided by card volume. Actual results depend on card mix and debit share. Both programs run on every Square device.
Keep it. Get 0% processingWhy Square
Five systems owners ask about, and where Square comes out ahead.
Square isn’t the right answer for every business, and we’ll say so when it isn’t. Here’s the short version of each comparison.
-
Square beats Shopify POS
Because your counter isn’t an afterthought to your website.
- Square hardware runs from a pocket reader to a dual-screen register and a self-order kiosk. Shopify’s in-store lineup is a reader and a stand.
- Square for Retail and Restaurants are built for in-person operations first, with online store, invoices and appointments included.
If most of your revenue is online and you run a large catalog with apps, Shopify is a strong platform.
-
Square beats Clover
Because your price shouldn’t depend on which reseller signed you.
- Square publishes one price and one processing rate. Clover pricing varies by reseller, contract and app bundle.
- 0% processing is native on Square’s own screen, not a bolt-on from a third-party app.
If your business needs a specific Clover app or a Fiserv relationship, we’ll tell you.
-
Square beats Lightspeed
Because you should be live in days, not weeks, and run it yourself.
- Square sets up in an afternoon with no implementation fee.
- Square for Retail covers barcode inventory, purchase orders and vendors at $49 a month, on one account with restaurant and online.
Lightspeed goes deeper on matrix inventory for very large multi-store retailers.
-
Square beats Heartland
Because a statement you can’t read isn’t a good deal.
- Square is one flat rate, or 0% on the 4% program. Interchange-plus statements are hard for most owners to audit.
- Hardware and software come from one company, and there’s no early-termination fee on Square.
Very high-volume merchants with a clean card mix can sometimes win on interchange plus. Bring us the statement and we’ll do the math.
-
Square beats QuickBooks POS
Because your point of sale shouldn’t be discontinued.
- QuickBooks Desktop Point of Sale was discontinued in 2023. Square is a current, supported lineup.
- Square syncs sales, fees and payouts to QuickBooks Online, so the books stay where you keep them.
If you’re still on QuickBooks POS, the question is where to move, not whether.
Square pricing through our partnership
Free, Plus, Premium, or the 4% program.
Per-location software plans at Square’s published prices, or the 4% program to offset processing on any of them. Hardware is separate. We’ll tell you which path matches your volume.
Free
- Square Point of Sale on any device
- Tap to Pay on iPhone and Android
- Online store, ordering, unlimited invoices
- Item library, basic inventory, reporting
- Customer directory, gift cards, banking
Plus
- Everything in Free
- Square for Restaurants, Retail or Appointments
- Advanced inventory and table management
- Loyalty, email marketing, 500 texts a month
- Staff scheduling, time tracking, permissions
Premium
- Everything in Plus
- 24/7 priority phone support
- Advanced reporting
- 2,500 texts a month included
- No gift card load fees
Cash discount
- Cash customers pay the posted price
- Card sales carry 4% to cover the fee
- Signage and receipt wording set up with you
- Same Square hardware and software
- Switch back to the flat rate any time
Process more than $250k a year? You may be eligible for Square Pro custom pricing. We’ll start that conversation with Square for you.
Square through a partner
Square sells and supports the product. We stay in your corner.
Same Square account, same hardware, same published price. The difference is who you get with it: someone who sets it up with you, knows your business, and answers when you call.
- $0extra for the partner. You pay Square’s price.
- 1number to call. The same person every time.
- 0contracts. Cancel or switch plans anytime.
Square handles
- Product consultation and the sale
- Account eligibility and activation
- Deployment and product support
- The payment platform and risk decisions
Royal Capital Payments handles
- Helping you work out what you need
- Tracking the introduction and following up
- Helping you navigate and escalate through the agreed channel, with Deposyt
- Keeping the relationship and coordinating next steps
How we work
- Set up with you, not for youYour items, menu or services loaded, your devices paired, and your staff walked through checkout before the first customer. You open ready.
- A statement read before you switchBring what you pay today. We show you the real effective rate, what Square costs on the plan that fits, and whether the move comes out ahead.
- The right plan, not the biggest oneFree, Plus or Premium, matched to how many staff and locations you run. Most shops start on Free and move up when the numbers say so.
- A human when it mattersSquare’s help center and chat are good. When the register is down on a Saturday, you call someone who already knows your setup.
- Still here next yearNew location, new device, a second menu, volume heading toward custom pricing. The same person helps you grow the setup.
FAQ
Questions, answered simply.
What does 2.6% or lower actually mean?
2.6% + 15¢ is Square’s in-person rate on Square Free, the $0 plan. It drops to 2.5% + 15¢ on Plus ($49 a month per location) and 2.4% + 15¢ on Premium ($149 a month per location). Every major card costs the same.
Is 2.6% really the lowest flat rate?
For a published flat rate with no monthly fee, no contract and no statement fees, yes. Plenty of processors quote a lower headline number and then add monthly minimums, PCI fees, batch fees and tiered surcharges, so effective rates of 3.5% and up are common. With Square, the rate you see is the rate you pay.
Can I pay nothing to process instead?
Yes. On any Square plan you can run 0% processing with a cash discount or a service charge: the ticket covers the fee and you keep the whole sale. You can start on the flat rate and switch later, or the other way round.
What if I process a lot?
Above $250,000 a year you may qualify for Square Pro custom pricing and processing fees. We open that conversation with Square for you.
Why sign up through Royal Capital Payments instead of Square directly?
You get the same Square account, hardware and published prices either way. Going through us adds a person: help choosing the right setup, your catalog and devices set up with you, and someone who already knows your business when something needs attention.
Does it cost more to go through a partner?
No. You pay Square’s published plan prices and rates. There is no partner fee on your statement.
Will I talk to a person or a bot?
A person. Square offers a help center, an automated assistant and live chat on every plan, plus phone support that depends on the plan: weekdays for your first 90 days on Free, weekdays on Plus, and 24/7 on Premium. We sit on top of that as your local contact who already knows your setup.
Who owns my account?
You do, on Square. Square holds the account, runs the payments and pays you out. We never touch your funds.
Does Square work for full-service and quick-service restaurants?
Yes. Square for Restaurants handles floor plans, coursing, seat numbers, split checks, pre-authorized bar tabs and automatic gratuity. Servers take orders and payment at the table on Square Handheld, a kitchen display routes tickets to the line, and Square Kiosk adds self-ordering.
Can Square handle my retail inventory?
Square for Retail builds your catalog by scanning barcodes, tracks stock by location, sends low-stock alerts, manages vendors and purchase orders, and prints labels. The same item library runs your online store, so you sell the last one only once.
Grocery and liquor: scales, EBT, bottle deposits and ID checks?
Square supports integrated scales and weighted barcodes, adds bottle deposits automatically per item, accepts EBT for SNAP-eligible items, and prompts staff to verify age on beer, wine, spirits and tobacco.
Barbers, salons and studios: booking, deposits and no-shows?
Square Appointments gives every chair its own calendar, a 24/7 booking site, a Book Now button for Instagram and Google, automatic text and email reminders, deposits, and a card on file for late cancellations and no-shows. Tattoo studios can also send consent forms for e-signature and charge the balance on the day.
I’m under contract with another processor. Can I still switch?
Usually. Send us the agreement and a recent statement. We check the early-termination terms, work out whether switching still comes out ahead, and time the move so you pay as little of any cancellation fee as possible.
How fast can I be up and running?
Most sellers sign up in minutes and can take a first payment the same day with Tap to Pay on a phone. Hardware ships in a few days, and we help load your items and set up the devices when it arrives.
What if the internet goes down?
Square keeps taking cards in offline mode and processes them when you reconnect, as long as that happens within 24 hours.
When do I get paid?
Next business day to your bank at no cost, or instantly for a fee. With Square Checking, sales are available right after each payment.
Get started
Reserve your free call. Then create your Square account.
- Book your call with Royal Capital Payments on our Square partner page.
- Create your Square account on the next page. Takes minutes.
2.6%* or lower on Square. No monthly fee, no contract. Or 0% to process on the 4% program.