Square vs PayRam
PayRam comes out cheaper in most scenarios where both can serve 100% of the payment mix.
POS-first, online included. No chargeback fee.
Cards + crypto, both priced competitively. Same-day payouts.
Rate card
Published list rates per supported rail.
| Rail | Square | PayRam |
|---|---|---|
| Card payments | 2.90% + $0.30 | 2.20% + $0.20 |
| Crypto payments | Not supported | 0.50% + $0.00 |
| Chargeback fee | None | None |
| Payout delay | T+1 | T+0 |
Monthly fee scenarios
What each provider would charge on $100,000/month, $75 average ticket, with fiat settlement enabled.
| Payment mix | Square | PayRam |
|---|---|---|
| All cards | $3,300.00 | $2,466.67 |
| 80% cards / 20% crypto | $2,640.00 (covers 80%) | $2,073.33 |
| 50% cards / 50% crypto | $1,650.00 (covers 50%) | $1,483.33 |
| All crypto | Doesn't serve this mix | $500.00 |
Want different numbers? Run the full calculator →
Feature comparison
| Feature | Square | PayRam |
|---|---|---|
| High-risk friendly | — | ✓ |
| Accepts cards | ✓ | ✓ |
| Accepts crypto | — | ✓ |
| Same-day payouts | ✓ | ✓ |
| No chargeback fees | ✓ | ✓ |
| Auto-fiat conversion (no markup) | — | ✓ |
| Global tax & compliance handled | — | — |
| No monthly minimum | ✓ | ✓ |
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Talk to a specialist →Frequently asked questions
What's cheaper — Square or PayRam?
PayRam comes out cheaper in most scenarios where both can serve 100% of the payment mix.
Can Square and PayRam both process card payments?
Square accepts card payments. PayRam accepts card payments. If your business runs primarily on cards, this is the first filter.
Do Square and PayRam support high-risk merchants (iGaming, adult, forex)?
Square is not high-risk friendly — it won't onboard merchants in regulated or sensitive categories. PayRam is high-risk friendly. Run the eligibility quiz on the calculator page for a tailored answer.
How fast are payouts with Square versus PayRam?
Square typically pays out at T+1 (same-day available). PayRam typically pays out at T+0 (same-day available). Faster payouts reduce your working-capital cost — quantify it with the Payout Timing tool.