Nexa vs Square

They scattered your business across ten logins. We collapsed it into one.

Square is free until you need features. Appointments: $29/mo. Invoices Plus: $20/mo. Online processing: 3.3%. Add it up and "free" costs more than Nexa.

Choose Nexa if:

  • You're paying for Square add-ons
  • You need CRM + invoicing + scheduling in one
  • You want to own your tools

Choose Square if:

  • You need POS hardware
  • You want instant deposits
  • You're primarily retail/in-person

Bottom line: Square's "free" tier costs $1,560/year in processing fees alone on $5,000/month revenue. Add Square Appointments ($348/year) and Invoices Plus ($240/year) and you're at $2,148/year. Nexa is a one-time purchase of $279 for scheduling, invoicing, CRM, and accounting. Square can also freeze your account and hold funds for 180 days with no warning.

Key Numbers

Interactive Comparison

Square is pre-selected below. Add any other tools you're paying for to see the full picture.

Square with add-ons: ~$179/mo = $2,148/year. Nexa: $279 once.

The Real Cost of "Free"

Scenario: Service business doing $5,000/mo in card payments.

Processing fees (2.6% + $0.10 avg) $130/mo · $1,560/yr
Square Appointments add-on $29/mo · $348/yr
Square Invoices Plus $20/mo · $240/yr
Total Square cost $179/mo · $2,148/yr
Nexa (one-time) $279 once
Year-one savings with Nexa $1,869

The Account Freeze Risk

Your Money, Their Rules

Square can freeze accounts and hold funds for 180 days with no warning and no appeal. It happens to businesses of all sizes, often without explanation.

"Woke up to find my account frozen. $4,200 held hostage. No explanation. No human to talk to." — Reddit r/smallbusiness
Nexa doesn't process payments — it connects to YOUR processor. Your money stays yours.

The Real Difference

What Square Gets Right

Free POS hardware ecosystem that's genuinely useful for retail. Instant deposits when you need cash flow. Strong brand recognition that customers trust. If you're primarily in-person retail, Square's hardware-software integration is hard to beat.

Where Square Falls Short

Account freezes without warning are a well-documented risk. The 3.3% online fee increase in January 2026 hit service businesses hard. Add-ons make "free" expensive fast — appointments, invoicing, payroll all cost extra. And the CRM is really just a contact list. No pipeline, no follow-ups, no automation.

Why People Switch

Most Square defectors hit one of four triggers: (1) their account got frozen and they lost trust, (2) they're paying for 3+ add-ons and realized "free" isn't free, (3) they need a real CRM, not just a contact list, or (4) they want to own their tools instead of renting features piecemeal.

Switching from Square to Nexa

Difficulty:
Easy (2/5)
Day 1

Export your data

In Square, export your customer directory and transaction history as CSV files. Takes about 10 minutes.

Day 1

Set up Nexa

15-minute setup. Import your customers, configure services and pricing. The Setup Wizard walks you through everything.

Day 2-3

Parallel run

Run both systems for a few days. You can keep using Square just for card processing if you want.

Day 4+

Drop the add-ons

Cancel Square Appointments and Invoices Plus. Keep Square for POS if you need it. Stop the monthly bleeding.

Frequently Asked Questions

Is Square really free?

Base POS is free but processing fees (2.6% + $0.10 in-person, 3.3% + $0.30 online) apply to every transaction. Add-ons ($29–149/mo) for appointments, invoicing, retail. On $5K/mo revenue, Square costs ~$2,148/yr.

Can Square freeze my account?

Yes. Square can freeze accounts and hold funds for up to 180 days with no warning. This is documented in their terms and is a common complaint.

How much will I save switching from Square to Nexa?

Depends on add-ons. If using Square Appointments ($29/mo) + processing on $5K/mo revenue: saving ~$1,869 in year one vs Nexa $279.

Does Nexa replace Square for payments?

Nexa handles invoicing, scheduling, CRM, and accounting. For payment processing, you connect your own processor. Nexa doesn't hold your money.

How hard is it to switch from Square to Nexa?

Easy. Export your customer directory and transaction history from Square. Import into Nexa. Keep using Square just for card processing if you want.

Ready to stop paying for "free"?

Square costs you $2,148/year with add-ons + processing. Nexa is $279 once.

Calculate Your Savings

Also Compare

· Data sourced from official pricing pages

The Bottom Line

Square looks free until you count the per-transaction fees, the add-on subscriptions, and the account freezes. Nexa is $279 once and you own it. Square is another login, another sync, another place your data can leak. Nexa is a Single Source — 65,000+ workflows, zero walls between them.

One point of truth. Zero points of failure.