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Square Alternatives

An alternative to Square is another embedded-finance and banking-infrastructure vendor to compare for APIs, go-to-market story, and customer proof. We list 10 peers here so you can shortlist without building a full market map from scratch. It is like comparing analytics tools: the category is shared, but depth, regions, and pricing differ.

Looking for Square Alternatives?

Square is a leading embedded finance platform offering payments, embedded lending, banking-as-a-service, accounts, card issuing solutions. SMB-focused embedded financial-services platform from Block, Inc. Offers payments (Square POS, Square Online), business loans (Square Loans), business...

Below we've compiled the top 10 alternatives to Square, ranked by feature similarity and market focus. Whether you're looking for different pricing, geographic coverage, or specific API capabilities, this comparison will help you find the right embedded finance partner for your platform.

10
Alternatives Found
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Categories Compared
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Target Markets
4
API Products

Top Square Alternatives

1
Xplor
Xplor
United States
Est. 2021

Global software and embedded payments platform formed by the merger of TSG and Clearent. Xplor Pay delivers full-service embedded payments for vertica...

PaymentsEmbedded LendingCard Issuing
66,000+ businesses, 800+ SaaS partners clients
View Profile →See alternatives
2
Payoneer
Payoneer
United States
Est. 2005

Global cross-border payments and payouts platform serving SMBs, marketplaces, and enterprises in 190+ countries. Payoneer's embedded APIs let platform...

PaymentsAccountsCard IssuingCross-Border PaymentsForeign Exchange
3
PalWallet

EU-regulated embedded-finance platform combining BaaS, virtual card issuing, cross-border payments, and crypto rails for fintechs and platforms. PalWa...

PaymentsBanking-as-a-ServiceAccountsCard IssuingVirtual CardsCross-Border Payments
4
Airwallex
Airwallex
Australia
Est. 2015

Global financial infrastructure platform for modern businesses. Airwallex provides multi-currency accounts, card issuing, and payments with embedded f...

PaymentsAccountsCard IssuingForeign Exchange
5
Adyen
Adyen
Netherlands
Est. 2006

Global payment platform combining acquiring, processing, and risk management. Adyen provides embedded financial products including banking, issuing, a...

PaymentsBanking-as-a-ServiceCard IssuingPayment Acquiring
6
Wise Platform
Wise Platform
United Kingdom
Est. 2011

Embedded cross-border payments and accounts infrastructure from Wise (formerly TransferWise). Banks, financial institutions, platforms, and enterprise...

PaymentsAccountsCard IssuingCross-Border PaymentsForeign Exchange
7
Embed
Embed
Netherlands
Est. 2022

Amsterdam-based embedded payments infrastructure for vertical SaaS platforms. Embed B.V. is licensed as a payment institution by De Nederlandsche Bank...

PaymentsBanking-as-a-ServiceAccounts
8
PhotonPay

Hong Kong-headquartered global payments platform that bridges fiat and stablecoin rails for cross-border commerce. PhotonPay offers checkout, multi-cu...

PaymentsAccountsCard IssuingCross-Border PaymentsVirtual Cards
9
Ebury Connect
Ebury Connect
United Kingdom
Est. 2009

Integrated infrastructure from Ebury for cross-border payments, FX risk management, and treasury. Ebury Connect offers API, ERP, Open Banking, and Hos...

PaymentsBanking-as-a-ServiceForeign ExchangeCross-Border Payments
10
Moov Financial
Moov Financial
United States
Est. 2017

Developer-first money movement platform. Moov provides APIs for ACH, card payments, and wallet transfers with a focus on simplicity and transparent pr...

PaymentsAccountsWalletsledger-as-a-service

Feature Comparison

FeatureSquare
Current
XplorPayoneerPalWalletAirwallexAdyen
Headquarters
United States
United States
United States
CY
Australia
Netherlands
Founded20092021200520152006
Clients66,000+ businesses, 800+ SaaS partners100000+5000+
API Products446644
DeploymentCloud, SaaSCloud, SaaSCloud, SaaSapi, SaaS, white-labelCloud, SaaSCloud, SaaS
Developer Docs
Public CompanyPrivatePrivatePAYOPrivatePrivateADYEN

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