Dwolla vs Square Pricing | Costbench
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Team size
25 seats

Dwolla vs Square

Payment Processing pricing comparison · 2026

Dwolla uses custom pricing, while Square ranges from $0–$149/month.

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See pricing on each vendor's site
Above-the-fold path — each link opens the vendor's pricing page in a new tab.
Visit Dwolla pricing
Free plan limits → Discount programs →
Visit Square pricing
Free plan limits → Discount programs →
Compare
2 products · Payment Processing
Side-by-side · live
Dwolla
Dwolla provides ACH-based bank transfer infrastructure with a free base platform.
verified 8w ago
$374 $53K
View pricing →
Square
Square pricing starts at $0/month on the Free plan, which includes one card reader and bas
verified 10w ago
$374 $53K
View pricing →
Recorded annual contract medians
Dwolla median is $52K less than Square · different customer contracts; not a quote
Cheapest $374
Spread 99%
Estimated license cost
at 25 seats
List price × seats. Click a tier below to lock it.
Usage-based
Custom rates
see vendor pricing for volume tiers
Usage-based
Custom rates
see vendor pricing for volume tiers
What buyers actually pay
median, annual
Vendr deal-flow data. The real benchmark, not list price.
↓ Lowest median
Median annual
$374/yr
Vendr · n=20
Median annual
$53K/yr
Vendr · n=3 · limited data
REF · 01

Sources & confidence

Every dollar amount and contract clause below traces back to a sourced fact. We don't manufacture composite scores.

Where this data comes from
Vendr · TrustRadius · Reddit · BBB · official docs
Sources 6 sourced facts
3 hidden-cost · 2 contract · Vendr median
Last verified 1mo ago
Confidence Medium confidence
Sources 8 sourced facts
7 hidden-cost · Vendr median
Last verified 2mo ago
Confidence Limited confidence
REF · 02

Plans at a glance

Every tier per product. Lock one to drive the cost row above and reveal a tier-specific outbound CTA.

Tier ladder
Click a tier to lock the cost row to it. Locking surfaces a tier-specific Visit CTA.
REF · 03

Hidden costs

Each cost is severity-ranked, with the dollar range quoted from its source (Vendr, Reddit, TrustRadius, BBB, official docs) — never our estimate.

Beyond the sticker
Severity-ranked, sourced
2 documented
  • White Label API Premium
    $5,000/month
    2 sources
  • Bank Account Connection Requirement
    10-20% of license costs
    1 source
4 documented
  • Additional Device Fees for POS Terminals
    $50/device/month
    1 source
  • Per-Device POS Fee
    $50/device/month
    1 source
  • Payment Processing Transaction Fees
    2.6% + $0.10 per card-present transaction on Free plan
    4 sources
  • IT Setup and Management Costs
    5-15% of license costs
    1 source
REF · 04

Contract terms

The fine print, surfaced. Green = buyer-friendly. Each clause backed by a quoted source.

Dwolla
Square
Auto-renewal
—
—
Cancellation
—
—
Commitment
—
✓ Month-to-month (no annual billing option available)
Price escalation
Dwolla has restructured pricing multiple times historically, moving from per-transaction to monthly recurring models.
—
Can downgrade
—
—
Based on 2 verified sources (Vendr · TrustRadius · BBB)
REF · 05

What users say

Aggregated, with sample sizes. We use whichever review platform has data.

User reviews
TrustRadius · Trustpilot · G2
No public ratings yet
Best for
Large deployments, quote-based pricing
Watch out
Bank account connection requirement creates user friction
No public ratings yet
Best for
New and small businesses
Watch out
Customer service delays and slow fund disbursement reported in online forums
Decide
Get a quote from each vendor
Each link opens the vendor's pricing page in a new tab.
Visit Dwolla pricing
Free plan limits → Discount programs →
Visit Square pricing
Free plan limits → Discount programs →
License cost is computed from publicly listed plans (real math, list price × seats). Median annual cost is from Vendr's deal flow when available — see source badges. Hidden costs and contract terms each cite their own sources. We do not invent composite scores.
Payment Processing

Dwolla

Custom pricing
/month
1 plan
Full pricing breakdown →
VS
Payment Processing

Square

$0–$149
/month
3 plans · Free tier
Full pricing breakdown →

Plan-by-Plan Pricing

Plan Dwolla Square
Enterprise Custom Free /month
Plus — $49 /month
Premium — $149 /month

Market Intelligence

Dwolla

Median annual cost
$374
Based on
20 deals

Square

Median annual cost
$52,800
Based on
3 deals

Hidden Costs

Beyond the sticker price — what catches buyers off guard.

Dwolla 2 hidden costs

high
White Label API Premium $5,000/month
medium
Bank Account Connection Requirement 10-20% of license costs
See all Dwolla hidden costs →

Square 4 hidden costs

medium
Additional Device Fees for POS Terminals $50/device/month
high
Per-Device POS Fee $50/device/month
high
Payment Processing Transaction Fees 2.6% + $0.10 per card-present transaction on Free plan
medium
IT Setup and Management Costs 5-15% of license costs
See all Square hidden costs →

Contract Terms

Term Dwolla Square
Auto-renewal — —
Cancellation — —
Minimum commitment — Month-to-month (no annual billing option available)
Price escalation Dwolla has restructured pricing multiple times historically, moving from per-transaction to monthly recurring models. —

Continue researching

Dwolla

Square

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