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PAYMENT PROCESSING · MIGRATION GUIDE

Switching from PayPal to Square

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.

Estimate · your inputs

Switching Cost & Friction Estimator

Most buyers only budget for the new subscription. This estimates the hidden labor, data-cleanup, and retraining cost of actually making the switch.

25,000
10

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.

Estimated Migration Time
Data Friction Rating
Total Hidden Switching Cost $0

    Why teams move from PayPal to Square

    Lower processing rate

    3.3% + 30¢ against PayPal’s 3.49% + 49¢.

    Unified POS hardware

    One account for online, in-person and phone.

    Cheaper in-person rate

    2.4–2.6% + 15¢.

    How the migration actually works

    You lose PayPal’s widely recognized wallet and checkout button, which some shoppers specifically trust or look for.

    StepWhat you do
    1Sign up for a Square accountCreate your Square account and, if you sell in person, order card readers or a terminal.
    2Add the Square button or SDKAdd 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 transactionRun a small live transaction end to end to confirm the checkout, receipt and settlement all work correctly.
    4Run both processors in parallel brieflyKeep 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 billingRecreate subscriptions or saved payment methods in the new processor; card-on-file tokens do not transfer between processors.
    6Close the old accountOnce 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.

    Pricing side by side

    PlanPayPalSquare
    Online rate3.49% + 49¢ (PayPal Checkout)3.3% + 30¢ (no subscription)
    In-person rateVia PayPal Zettle, varies2.4–2.6% + 15¢
    Monthly feeNone requiredNone required
    POS hardwareSeparate Zettle product lineSold natively
    Built forOnline checkout, buyer-side brand recognitionUnified online + in-person + POS

    Rates checked on each vendor’s pricing page on September 23, 2026.

    Feature parity check

    CapabilityPayPalSquare
    Online rate3.49% + 49¢3.3% + 30¢
    Buyer recognitionVery highLower
    In-person hardwareVia Zettle, separate lineNative

    Going the other direction, or want the full comparison first?

    Read the Square vs PayPal comparison Switching from Square to PayPal instead?

    Frequently Asked Questions

    Does Square import PayPal transaction history?

    No. You open a new merchant account and set up fresh reporting.

    Will I save money?

    Yes, on both the percentage and fixed fee — 3.3% + 30¢ against PayPal’s 3.49% + 49¢.

    Should I drop PayPal entirely?

    Consider keeping PayPal as an additional checkout option if your buyers specifically look for it, rather than fully replacing it with Square.

    Do I need a new merchant account?

    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.

    Sources

    Prices on this page were recorded from each vendor’s own pricing page on the date shown at the top of the page. Vendors change pricing often — check the live source before you buy.

    Every figure is also in our open dataset (JSON and CSV, CC BY 4.0), with its source page and verification date. See how we research pricing.

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    Built for the leader who owns the selection, answers for the spend, drives the rollout, and lives with the results. HelpCompare covers the whole decision, not just the first step.

    Bill Belcamino, founder of HelpCompare
    About the author

    Bill Belcamino

    Founder and author, HelpCompare

    Engineer by training, operator by experience, marketer by choice. Bill spent nine years as an engineer at HP, was COO of Auctiva (the number one third-party selling platform on eBay, past 200,000 users) and ran Google’s $70M/year search syndication partnership at Alot.com. Then he spent 13 years building his own web properties with his own money at stake. He has bought, trialled, integrated and cancelled more SaaS tools than he can count, and started HelpCompare because the real cost of switching tools is the part nobody covers.

    “I’ve sat on both sides of the table: the agency recommending the tool and the client paying for it.”

    Researched and fact-checked by the HelpCompare team. Pricing on this page was last verified on September 23, 2026. No paid sponsorships, no affiliate commissions.