Square Alternative
Tired of Square's
frozen accounts
and flat-rate fees?
Tired of Square's
frozen accounts
and flat-rate fees?
Credit Card Processing That
Actually Works for Your Business
Over 3,260 BBB complaints in three years. Sudden account shutdowns with no warning. 90-day fund holds. There's a better option built for local LA businesses.
Over 3,260 BBB complaints in three years. Sudden account shutdowns with no warning. 90-day fund holds. There's a better option built for local LA businesses.
$12,847
Square BBB complaints in 3 years
Source: Better Business Bureau
$12,847
Square BBB complaints in 3 years
Source: Better Business Bureau
90 days
How long Square can hold your funds
90 days
How long Square can hold your funds
2.6%
Square's flat rate vs. interchange-plus savings with ZenythPay
2.6%
Square's flat rate vs. interchange-plus savings with ZenythPay
WHY MERCHANTS LEAVE SQUARE
The problems Square doesn't advertise
Square works fine when you're starting out. But as your business grows, these issues start to cost you real money and real stress.
WHY MERCHANTS LEAVE SQUARE
The problems Square doesn't advertise
Square works fine when you're starting out. But as your business grows, these issues start to cost you real money and real stress.
Account frozen without warning
Square's automated risk systems flag accounts based on algorithms, not humans. A spike in sales during a busy season or a large single transaction can trigger an instant shutdown with no appeal process.
"My account was frozen right before the holidays with $12,000 inside. No phone number to call."
Flat-rate pricing costs more as you grow
Square's 2.6% + $0.10 flat rate sounds simple, but it means you're overpaying whenever a customer uses a basic debit card. Interchange-plus pricing passes the actual lower cost directly to you.
"I was processing $45K/month. Switching to interchange-plus saved me over $400 every month."
90-day fund holds
When Square deactivates your account, they can hold your funds for up to 90 days "for security purposes." This can devastate a small business's cash flow when you're waiting on tens of thousands of dollars.
"They held $8,400 for 90 days. My rent was due. I couldn't do anything."
Seasonal sales trigger risk flags
Square's algorithms look for unusual volume spikes. If your business does significantly more in November or December than a typical month, the automated system can flag this as suspicious activity, even though it's completely normal for your business.
No phone support after deactivation
Once your Square account is deactivated, you're directed to email support only. There is no phone number to call, no human to escalate to, and response times stretch to days while your business sits idle.
"Emailed support 6 times over 3 weeks. Got template responses. No one ever called."
Limited high-risk industry support
Square declines or terminates accounts in many business categories including CBD, certain food services, and businesses with higher chargeback rates. ZenythPay can process virtually any legal business type.
Account frozen without warning
Square's automated risk systems flag accounts based on algorithms, not humans. A spike in sales during a busy season or a large single transaction can trigger an instant shutdown with no appeal process.
"My account was frozen right before the holidays with $12,000 inside. No phone number to call."
90-day fund holds
When Square deactivates your account, they can hold your funds for up to 90 days "for security purposes." This can devastate a small business's cash flow when you're waiting on tens of thousands of dollars.
"They held $8,400 for 90 days. My rent was due. I couldn't do anything."
No phone support after deactivation
Once your Square account is deactivated, you're directed to email support only. There is no phone number to call, no human to escalate to, and response times stretch to days while your business sits idle.
"Emailed support 6 times over 3 weeks. Got template responses. No one ever called."
Flat-rate pricing costs more as you grow
Square's 2.6% + $0.10 flat rate sounds simple, but it means you're overpaying whenever a customer uses a basic debit card. Interchange-plus pricing passes the actual lower cost directly to you.
"I was processing $45K/month. Switching to interchange-plus saved me over $400 every month."
Seasonal sales trigger risk flags
Square's algorithms look for unusual volume spikes. If your business does significantly more in November or December than a typical month, the automated system can flag this as suspicious activity, even though it's completely normal for your business.
Limited high-risk industry support
Square declines or terminates accounts in many business categories including CBD, certain food services, and businesses with higher chargeback rates. ZenythPay can process virtually any legal business type.
Account frozen without warning
Square's automated risk systems flag accounts based on algorithms, not humans. A spike in sales during a busy season or a large single transaction can trigger an instant shutdown with no appeal process.
"My account was frozen right before the holidays with $12,000 inside. No phone number to call."
No phone support after deactivation
Once your Square account is deactivated, you're directed to email support only. There is no phone number to call, no human to escalate to, and response times stretch to days while your business sits idle.
"Emailed support 6 times over 3 weeks. Got template responses. No one ever called."
Seasonal sales trigger risk flags
Square's algorithms look for unusual volume spikes. If your business does significantly more in November or December than a typical month, the automated system can flag this as suspicious activity, even though it's completely normal for your business.
90-day fund holds
When Square deactivates your account, they can hold your funds for up to 90 days "for security purposes." This can devastate a small business's cash flow when you're waiting on tens of thousands of dollars.
"They held $8,400 for 90 days. My rent was due. I couldn't do anything."
Flat-rate pricing costs more as you grow
Square's 2.6% + $0.10 flat rate sounds simple, but it means you're overpaying whenever a customer uses a basic debit card. Interchange-plus pricing passes the actual lower cost directly to you.
"I was processing $45K/month. Switching to interchange-plus saved me over $400 every month."
Limited high-risk industry support
Square declines or terminates accounts in many business categories including CBD, certain food services, and businesses with higher chargeback rates. ZenythPay can process virtually any legal business type.
WHY ZENYTHPAY
Built for LA businesses that need reliability
We're not a tech company that happens to do payments. We're a local merchant services partner with a real office, real humans, and a direct line when you need it.
WHY ZENYTHPAY
Tired of surprise fees,frozen funds, and call centers?
We're not a tech company that happens to do payments. We're a local merchant services partner with a real office, real humans, and a direct line when you need it.
Your account never gets algorithmically terminated
You have a real merchant ID assigned specifically to your business. Our team monitors pricing and flags issues proactively. No automated shutdowns.
A phone number that actually works
Your dedicated 1-800 support line is always available. And unlike Square, your local ZenythPay rep is also reachable directly by phone. Real people. Real answers.
Interchange-plus saves real money at volume
A business processing $30,000/month typically saves $300 to $500 per month switching from Square's flat rate to interchange-plus. That's $3,600 to $6,000 a year staying in your pocket.
Next-day deposits, every day
Your sales from today are in your bank account tomorrow. No 2 to 3 day waits, no holding periods on seasonal volume, no surprises when you have a great week.
Your account never gets algorithmically terminated
You have a real merchant ID assigned specifically to your business. Our team monitors pricing and flags issues proactively. No automated shutdowns.
Interchange-plus saves real money at volume
A business processing $30,000/month typically saves $300 to $500 per month switching from Square's flat rate to interchange-plus. That's $3,600 to $6,000 a year staying in your pocket.
A phone number that actually works
Your dedicated 1-800 support line is always available. And unlike Square, your local ZenythPay rep is also reachable directly by phone. Real people. Real answers.
Next-day deposits, every day
Your sales from today are in your bank account tomorrow. No 2 to 3 day waits, no holding periods on seasonal volume, no surprises when you have a great week.
Your account never gets algorithmically terminated
You have a real merchant ID assigned specifically to your business. Our team monitors pricing and flags issues proactively. No automated shutdowns.
Interchange-plus saves real money at volume
A business processing $30,000/month typically saves $300 to $500 per month switching from Square's flat rate to interchange-plus. That's $3,600 to $6,000 a year staying in your pocket.
A phone number that actually works
Your dedicated 1-800 support line is always available. And unlike Square, your local ZenythPay rep is also reachable directly by phone. Real people. Real answers.
Next-day deposits, every day
Your sales from today are in your bank account tomorrow. No 2 to 3 day waits, no holding periods on seasonal volume, no surprises when you have a great week.
SIDE BY SIDE
Square vs. ZenythPay
A direct comparison on the things that actually matter for your business.
SIDE BY SIDE
Tired of surprise fees,frozen funds, and call centers?
A direct comparison on the things that actually matter for your business.
SQUARE
SQUARE
ZENYTHPAY
ZENYTHPAY
Pricing model
Pricing model
Pricing model
2.6% + $0.10 in-person. You overpay on debit cards.
Pricing model
2.6% + $0.10 in-person. You overpay on debit cards.
Pricing model
2.6% + $0.10 in-person. You overpay on debit cards.
Interchange-plus
You see exact interchange cost plus a small fixed markup. Debit cards cost less.
Interchange-plus
You see exact interchange cost plus a small fixed markup. Debit cards cost less.
Interchange-plus
You see exact interchange cost plus a small fixed markup. Debit cards cost less.
Account stability
Account stability
Algorithmic risk
Automated system freezes accounts based on volume spikes, seasonal sales, or algorithm flags.
Algorithmic risk
Automated system freezes accounts based on volume spikes, seasonal sales, or algorithm flags.
Algorithmic risk
Automated system freezes accounts based on volume spikes, seasonal sales, or algorithm flags.
Dedicated account
Your own merchant ID. Revenue monitoring protects you from pricing errors, not shutdowns.
Dedicated account
Your own merchant ID. Revenue monitoring protects you from pricing errors, not shutdowns.
Dedicated account
Your own merchant ID. Revenue monitoring protects you from pricing errors, not shutdowns.
Fund holds
Fund holds
Up to 90 days
Funds can be held for up to 90 days after deactivation.
Up to 90 days
Funds can be held for up to 90 days after deactivation.
Up to 90 days
Funds can be held for up to 90 days after deactivation.
Next-day funding
Transactions deposit to your bank account the next business day, every day.
Next-day funding
Transactions deposit to your bank account the next business day, every day.
Next-day funding
Transactions deposit to your bank account the next business day, every day.
Phone support
Phone support
Email only (when deactivated)
No phone number available after account issues.
Email only (when deactivated)
No phone number available after account issues.
Email only (when deactivated)
No phone number available after account issues.
Dedicated support line
Merchants get a direct 1-800 number. Your rep is also reachable locally in LA.
Dedicated support line
Merchants get a direct 1-800 number. Your rep is also reachable locally in LA.
Dedicated support line
Merchants get a direct 1-800 number. Your rep is also reachable locally in LA.
Contracts
Contracts
No contract, but account can be terminated instantly with no notice or appeal process.
Pricing model
No contract, but account can be terminated instantly with no notice or appeal process.
Month-to-month
No long-term commitment. Equipment lease terms disclosed upfront.
Month-to-month
No long-term commitment. Equipment lease terms disclosed upfront.
Month-to-month
No long-term commitment. Equipment lease terms disclosed upfront.
Dual pricing / cash discount
Dual pricing / cash discount
Not available
Square does not offer a compliant dual pricing program.
Not available
Square does not offer a compliant dual pricing program.
Not available
Square does not offer a compliant dual pricing program.
Full dual pricing support
Reduce processing fees to near zero with a compliant cash discount program.
Full dual pricing support
Reduce processing fees to near zero with a compliant cash discount program.
Full dual pricing support
Reduce processing fees to near zero with a compliant cash discount program.
High-risk industries
High-risk industries
Restricted
CBD, certain food, and many other categories are declined or terminated.
Restricted
CBD, certain food, and many other categories are declined or terminated.
Restricted
CBD, certain food, and many other categories are declined or terminated.
Most legal industries
Including CBD, e-commerce, restaurants, and specialty retail.
Most legal industries
Including CBD, e-commerce, restaurants, and specialty retail.
Most legal industries
Including CBD, e-commerce, restaurants, and specialty retail.
Chargeback support
Chargeback support
Basic email-based dispute system. Limited merchant control.
Pricing model
Basic email-based dispute system. Limited merchant control.
Dashboard dispute tool
Upload evidence, track status, and submit disputes directly from your merchant dashboard.
Dashboard dispute tool
Upload evidence, track status, and submit disputes directly from your merchant dashboard.
Dashboard dispute tool
Upload evidence, track status, and submit disputes directly from your merchant dashboard.
REAL NUMBERS
What switching actually saves
Here's what a typical Los Angeles retail business pays with Square versus what they'd pay with ZenythPay's interchange-plus pricing.
REAL NUMBERS
Tired of surprise fees,frozen funds, and call centers?
Here's what a typical Los Angeles retail business pays with Square versus what they'd pay with ZenythPay's interchange-plus pricing.
LA Retail Store Example
$30,000/month card volume, 350 transactions avg $85 ticket
Square (2.6% + $0.10)
$815/month
ZenythPay interchange-plus
~$480/month
Monthly savings
~$335/month
COMMON QUESTIONS
Salon payment processing, answered
COMMON QUESTIONS