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Roots HQ vs. Square

Payments, point of sale, and online store. The Free plan has no monthly fee but pays processing on every sale.

Payments, POS & commerce · Last reviewed 2026-10-03 · squareup.com/us/en/pricing + squareup.com Square Fees help article

What each one actually is

Not the same kind of product.

Roots HQ
Connected business headquarters — inventory, customers, events, and money in one system, across every channel you sell on.
Square
Payments, point-of-sale and merchant-services software, with online store, invoicing, banking and marketing tools.

A fair read

What Square does well, and where Roots HQ differs.

Derived directly from the sourced comparison matrix below, not written separately.

Where Square is stronger

  • In-person card payments (POS, keyed card entry)In-person payments are the core of the product — Square Point of Sale takes chip, contactless and keyed-in cards. Limits: Processing rates differ by method; keyed-in and card-on-file are charged at a higher rate. Source: Square Point of Sale, read 2026-10-03.
  • Phone Tap-to-Pay (no card reader needed)Tap to Pay on iPhone accepts contactless cards and wallets on an iPhone XS or newer, with no extra hardware. Not available on iPad; requires a passcode, automatic date & time and an internet connection (offline payments not supported). Not usable when signed in to Square POS or Appointments POS with a device code. Source: https://squareup.com/help/us/en/article/7786-get-started-with-tap-to-pay-on-iphone, read 2026-10-03.
  • Multi-factor authentication
  • Your own hosted storefrontSquare Online provides a hosted store and online ordering. Limits: Online card processing is charged at a higher rate than in-person. Source: Square Point of Sale — "Websites" and "Online ordering profiles", read 2026-10-03.
  • You own the customer list
  • Contact records & tagsSquare Customer Directory keeps customer profiles tied to payment history. Source: Square Point of Sale — "Customer directory", read 2026-10-03.
  • Product catalog & inventoryItem catalogue and inventory tracking are built into Square POS and Dashboard. Advanced inventory features are part of Square Plus and Premium; Free includes basic inventory management. Source: https://squareup.com/us/en/the-bottom-line/inside-square/pricing-plans, read 2026-10-03.
  • Local pickup & deliverySquare Online supports pickup plus local delivery (in-house or on-demand via courier partners) with delivery regions by postal code or radius, fees and minimum order. Source: https://squareup.com/help/us/en/article/8438-set-up-delivery-options-with-square-online, read 2026-10-03.
  • Shipping with carrier rates + labels
  • Order-status workflow
  • InvoicesSquare Invoices is a first-party product included in Free. Invoice processing is 3.3%+30¢ (Free) or 2.9%+30¢ (Plus/Premium). Source: https://squareup.com/help/us/en/article/7786-get-started-with-tap-to-pay-on-iphone, read 2026-10-03.
  • Categories & discounts
  • AI-drafted emails, blogs & product copy
  • CMS pages & blog
  • Sales-tax & payout reporting (operational)

Where Roots HQ is stronger

No rows in the matrix currently credit Roots HQ over Square.

Fees

What Square actually charges.

Monthly
Square Free $0/mo; Square Plus $49/mo per location; Square Premium $149/mo per location
Commission
No separate per-sale commission is listed on Square's fees page — published fees are processing rates plus the plan subscription
Processing
In-person 2.6%+15¢ (Free) · 2.5%+15¢ (Plus) · 2.4%+15¢ (Premium); online and invoices 3.3%+30¢ (Free) or 2.9%+30¢ (Plus/Premium); keyed-in and card-on-file 3.5%+15¢ on every plan
Per order
No per-order fee listed beyond processing
Category exceptions
Not reviewed (Square also offers custom pricing for high-volume sellers)
Promo exceptions
Plus and Premium include a 30-day free trial

Last verified 2026-10-03 against squareup.com Square fees help article.

Feature by feature

Every sourced row that mentions Square.

Selling & checkout

  • Marketplace checkout (buyer pays inside the platform's own app)

    Roots HQ

    Not applicable

    Buyers check out on the seller’s own branded checkout — Roots HQ does not operate a marketplace checkout of its own.

    Square

    —

    Not confirmed in Square's official public documentation on 2026-10-03, so not rated.

  • In-person card payments (POS, keyed card entry)

    Roots HQ

    Available

    Roots HQ runs the till and books the sale against the same inventory as every other channel. The card itself is taken by YOUR connected Square account — Square processes the payment and you remain the merchant of record. Roots HQ records the total, the processor's transaction reference and the payment status; it never stores card details.

    Square

    Native

    In-person payments are the core of the product — Square Point of Sale takes chip, contactless and keyed-in cards. Limits: Processing rates differ by method; keyed-in and card-on-file are charged at a higher rate. Source: Square Point of Sale, read 2026-10-03.

  • Phone Tap-to-Pay (no card reader needed)

    Roots HQ

    Limited

    The Square Tap-to-Pay module ships inside the POS app and the app checks for it at runtime. Tapping a phone to charge still requires Square to grant your account the Tap to Pay entitlement, a registered Square application ID, and a Tap-to-Pay-eligible Android device. Until all three are in place the app falls back to keyed card entry, which is live today.

    Square

    Native

    Tap to Pay on iPhone accepts contactless cards and wallets on an iPhone XS or newer, with no extra hardware. Not available on iPad; requires a passcode, automatic date & time and an internet connection (offline payments not supported). Not usable when signed in to Square POS or Appointments POS with a device code. Source: https://squareup.com/help/us/en/article/7786-get-started-with-tap-to-pay-on-iphone, read 2026-10-03.

Security & access control

  • Multi-factor authentication

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

Business ownership

  • Your own hosted storefront

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Square Online provides a hosted store and online ordering. Limits: Online card processing is charged at a higher rate than in-person. Source: Square Point of Sale — "Websites" and "Online ordering profiles", read 2026-10-03.

  • You own the customer list

    Roots HQ

    Native

    Scoped to the customer contact list specifically (see “Data export” below for the exportable proof of this) — not a claim that every business record is exportable.

    Square

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

  • Contact records & tags

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Square Customer Directory keeps customer profiles tied to payment history. Source: Square Point of Sale — "Customer directory", read 2026-10-03.

  • Product reviews

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Available

    The capability exists but is gated to a specific pricing plan or subscription tier — you get it, just not on every plan.

  • Custom domains

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Available

    The capability exists but is gated to a specific pricing plan or subscription tier — you get it, just not on every plan.

Operations

  • Product catalog & inventory

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Item catalogue and inventory tracking are built into Square POS and Dashboard. Advanced inventory features are part of Square Plus and Premium; Free includes basic inventory management. Source: https://squareup.com/us/en/the-bottom-line/inside-square/pricing-plans, read 2026-10-03.

  • Product types + collections (filter by kind)

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Available

    Square items have types (e.g. physical, event) and categories, with category pages on Square Online. Source: https://squareup.com/help/us/en/article/6873-sell-non-physical-items-in-square-online-store, read 2026-10-03.

  • Local pickup & delivery

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Square Online supports pickup plus local delivery (in-house or on-demand via courier partners) with delivery regions by postal code or radius, fees and minimum order. Source: https://squareup.com/help/us/en/article/8438-set-up-delivery-options-with-square-online, read 2026-10-03.

  • Shipping with carrier rates + labels

    Roots HQ

    Limited

    Shipping integrations — Beta. Integrations with Shippo, Envia.com and ShipStation are built, with real-account verification still pending. Live label purchasing is not available.

    Square

    Integrated

    Works through the platform’s own first-party connection to an outside service (for example, live carrier rates through a shipping API) — real and supported, not a manual workaround.

  • Order-status workflow

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

  • Events

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Limited

    Square lets you sell event tickets as an 'Event' item (online or in person) and via payment links; redemption details are sent manually and ticket scanning/seating use marketplace apps. Source: https://squareup.com/help/us/en/article/6873-sell-non-physical-items-in-square-online-store, read 2026-10-03.

  • Invoices

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Square Invoices is a first-party product included in Free. Invoice processing is 3.3%+30¢ (Free) or 2.9%+30¢ (Plus/Premium). Source: https://squareup.com/help/us/en/article/7786-get-started-with-tap-to-pay-on-iphone, read 2026-10-03.

  • User roles

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Available

    The capability exists but is gated to a specific pricing plan or subscription tier — you get it, just not on every plan.

Growth

  • Categories & discounts

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

  • Email campaigns

    Roots HQ

    Available

    Campaigns are composed, scheduled and sent from Roots HQ against a list you own. Delivery runs through YOUR own SMTP provider, billed to you — Roots HQ does not resell email sending, so deliverability is your provider's, not ours.

    Square

    Available

    Email marketing is included with Square Plus and Premium (unlimited one-time or automated campaigns); text messages beyond an included amount are billed separately. Not stated as included on Free. Source: https://squareup.com/us/en/software/marketing/email, read 2026-10-03.

  • Prize wheels (spin-to-win) + winner emails

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    —

    Not confirmed in Square's official public documentation on 2026-10-03, so not rated.

  • QR codes & printable market flyers

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Limited

    Real and shipped, but narrower than the feature name suggests. See the note on this cell for the specific boundary.

  • AI-drafted emails, blogs & product copy

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

  • CMS pages & blog

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

Business intelligence

  • Built-in AI business assistant

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Beta

    Square AI (conversational assistant in Square Dashboard) and Managerbot are in beta, available to eligible US sellers. Source: https://squareup.com/us/en/press/managerbot-open-beta, read 2026-10-03.

  • Unified sales dashboard (all channels)

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Limited

    Square Dashboard provides sales summary, sales trends and payment-methods reports for sales processed through Square. Source: https://squareup.com/help/us/en/article/5381-in-app-summaries-and-reports, read 2026-10-03.

  • Revenue, expenses, COGS & margin

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Limited

    Square's cost of goods sold report shows COGS, revenue, profit and margin for items with unit costs set; general expense tracking was not confirmed. Source: https://squareup.com/help/us/en/article/8522-track-cost-of-goods-sold, read 2026-10-03.

  • Sales-tax & payout reporting (operational)

    Roots HQ

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

    Square

    Native

    Built in at no extra cost and no separate app — this is how the product ships out of the box.

Bottom line

Should you use Roots HQ instead of Square?

Square offers in-person payments and point of sale, a Free plan with no monthly fee, and online store, invoicing, banking and marketing tools. Businesses that sell across live shows, markets and their own site can keep Square for in-person payments — Roots HQ’s own POS takes card payments through the business’s Square account — alongside Roots HQ for operations.

Root here. Branch everywhere.

Tell us about your business.

Roots HQ is currently welcoming selected businesses into the beta. Every business applies the same way: tell us where you sell and what takes too much of your time — that is how we learn whether Roots HQ fits, and where your setup should start.

What the application is for

  • Tell us how you sell, not why you deserve it
  • Your application is reviewed by our team
  • Standard onboarding is included with every Roots HQ plan.