Square has no PayPal importer. You open a new merchant account, add Square’s checkout button or POS hardware, and run both in parallel briefly before cutting over.
Quick verdict: Move to Square if you want the lower processing rate and, especially, unified in-person POS hardware; you may see some checkout conversion impact from losing PayPal’s recognized wallet button.
Most buyers only budget for the new subscription. This estimates the hidden labor, data-cleanup, and retraining cost of actually making the switch.
Estimate assumes: 1 hour of data-mapping/cleaning labor per 2,000 records, a blended $75/hr ops rate, tiered migration & cleaning tooling fees, and 4 hours of retraining per seat at a $45/hr fully-loaded rate.
3.3% + 30¢ against PayPal’s 3.49% + 49¢.
One account for online, in-person and phone.
2.4–2.6% + 15¢.
You lose PayPal’s widely recognized wallet and checkout button, which some shoppers specifically trust or look for.
| Step | What you do |
|---|---|
| 1Sign up for a Square account | Create your Square account and, if you sell in person, order card readers or a terminal. |
| 2Add the Square button or SDK | Add Square’s checkout button or SDK to your site, or set up its POS app/hardware for in-person sales. |
| 3Test with a small real transaction | Run a small live transaction end to end to confirm the checkout, receipt and settlement all work correctly. |
| 4Run both processors in parallel briefly | Keep the old processor active for a short overlap window in case of a rollback, while directing new transactions to the new one. |
| 5Update any recurring billing | Recreate subscriptions or saved payment methods in the new processor; card-on-file tokens do not transfer between processors. |
| 6Close the old account | Once settlement is confirmed clean in the new processor, close or downgrade the old merchant account. |
What this path doesn’t do for you:
PayPal’s buyer-side brand recognition has no equivalent at Square — if your conversion rate depends on offering the PayPal option, consider keeping it alongside Square rather than fully replacing it.
| Plan | PayPal | Square |
|---|---|---|
| Online rate | 3.49% + 49¢ (PayPal Checkout) | 3.3% + 30¢ (no subscription) |
| In-person rate | Via PayPal Zettle, varies | 2.4–2.6% + 15¢ |
| Monthly fee | None required | None required |
| POS hardware | Separate Zettle product line | Sold natively |
| Built for | Online checkout, buyer-side brand recognition | Unified online + in-person + POS |
Rates checked on each vendor’s pricing page on September 23, 2026.
| Capability | PayPal | Square |
|---|---|---|
| Online rate | 3.49% + 49¢ | 3.3% + 30¢ |
| Buyer recognition | Very high | Lower |
| In-person hardware | Via Zettle, separate line | Native |
Going the other direction, or want the full comparison first?
Read the Square vs PayPal comparison Switching from Square to PayPal instead?No. You open a new merchant account and set up fresh reporting.
Yes, on both the percentage and fixed fee — 3.3% + 30¢ against PayPal’s 3.49% + 49¢.
Consider keeping PayPal as an additional checkout option if your buyers specifically look for it, rather than fully replacing it with Square.
Yes. Payment processing is tied to underwriting with each provider, so you set up a new merchant account, re-embed the new checkout code or buttons, and run both providers in parallel briefly to confirm settlement before fully switching.
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