Pricing

Flat monthly software pricing. The software never takes a percentage of your sales.

Starter
For single-location shops

$99

per month

  • Single location: registers, cash & card sales, split tender
  • Inventory, customer profiles & built-in support tickets
  • Standard sales & inventory reports
  • Multi-location, loyalty wallet & advanced reports
Start with Starter
popular
Growth
For merchants adding locations

$169

per month

  • Everything in Starter
  • Multi-location inventory, transfers & consolidated reporting
  • Tiered cash-back loyalty wallet & advanced reports
  • Priority support & custom integrations
Choose Growth
Scale
For franchises & large operations

$299

per month

  • Everything in Growth
  • Priority support
  • Custom integrations & dedicated infrastructure
  • Staged multi-store rollout & onboarding
Choose Scale

Every plan: no contract, no setup fee, free data import, cancel anytime, free data export.

Unlimited staff accounts and unlimited registers on every plan.

Running more than a handful of locations? Talk to our team · (770) 629-0928

Stratamize POS register screen ringing up a four-item cart with quantity steppers, 8.9% tax math, and a $121.97 charge button

What “just 2.6% + 15¢” actually costs you.

Flat-rate processing sounds simple until you do the multiplication. A store running $40,000/month in card volume at Square’s free-plan in-person rate (2.6% + 15¢, as published July 2026) pays roughly $1,000–$1,200 every month in processing — $12,000+ a year — regardless of what the cards actually cost to process. And the headline rates have been moving up, not down: Square raised its in-person fixed fee from 10¢ to 15¢ in late 2025, and its free-plan online rate from 2.9% to 3.3% + 30¢ on January 13, 2026.

We do it the older, more honest way: interchange-plus processing quoted for your volume and your vertical, in writing, before you sign — you pay the true card cost plus a transparent markup, not a padded flat rate. ACH runs a flat 1.5%. Prefer to pay nothing on cards? Our optional zero-fees (surcharge) program passes the card cost to the card, with no long-term contract and no setup fee. Software is month-to-month with no cancellation fee and no setup fee on invoicing. Send us last month’s statement and we’ll show you the line-by-line difference. You keep the analysis even if you never switch.

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Competitor rates as published on squareup.com and verified July 2026; pricing may change. See sources in the comparison below.

Ready to fire Square?

If you’re comparing us to Square, Toast, or Clover, good — you should. Here’s the honest side-by-side, with every number date-stamped and linked to its source. Competitor pricing verified July 2026 and may change; ours is quoted in writing before you sign, so it can’t surprise you.

Stratamize POS Square Toast Clover
Software price Flat monthly software: Starter $99, Growth $169, Scale $299. $0 of your sales. Unlimited registers & staff. Free / $49 / $149 per month tiers — advanced retail features gated behind Plus and Premium (as published 7/2026) Low advertised base, but add-on modules (online ordering, loyalty, KDS) run ~$50–$165/mo each; realistic totals $300+/mo $14.95–$104.90/mo by tier, plus $9.95–$19.95/mo per additional device (as published 7/2026)
Card rates Interchange-plus, quoted in writing for your volume. ACH at 1.5%. Optional zero-fees (surcharge) program. 2.6% + 15¢ in person (free plan); online raised to 3.3% + 30¢ on Jan 13, 2026 2.49% + 15¢ with upfront hardware; 3.09–3.69% + 15¢ on the $0 kit; 3.50% + 15¢ online 2.3–2.6% + 10¢ direct — but most Clover is sold through resellers, where rates and terms vary widely
Contract Month-to-month. No setup fee, no cancellation fee. Month-to-month Standard 2-year auto-renewing contract; early termination bills the remaining balance Reseller channel commonly 36–48 months, with ~$750 early-termination-fee reports and non-cancelable hardware leases
Who owns your merchant account A dedicated merchant account in your business’s name, underwritten up front (Stratamize Payments) You’re a sub-merchant under Square’s master account — the root of its documented hold and deactivation complaints Toast-only processing; no choice of processor Fiserv processing only — Clover hardware won’t work with anyone else
Hardware Commodity PAX terminals + any browser device (tablet, phone, PC). Nothing proprietary to lease. Square hardware, $59–$899 Proprietary; kits from $449; $0-upfront option costs you a higher rate Proprietary and Fiserv-locked, $49–$2,099; leaving means abandoning the hardware
Retail depth Multi-location inventory, purchase orders, transfers, size/color variants, loyalty wallet — all included Better inventory & cross-location returns gated behind Plus ($49) / Premium ($149) Restaurants only — “It does not serve retail businesses” (NerdWallet) Solid retail, but per-device licenses and paid apps stack the real cost
Team tools Time clock, timesheets, scheduling, custom roles — included Paid add-on tier Paid add-ons / integrations Varies by app market
Your data Your own private database; exports free, any day Pooled platform Pooled platform Pooled platform
Support Built-in ticketing straight to the team that built it, plus a direct line Documented difficulty reaching effective humans during hold disputes (BBB complaints) Trustpilot 3.1/5 (~1,400 reviews); 235+ BBB complaints Long hold times documented; Trustpilot rating for clover.com is poor

The fund-hold story (Square)

The complaint that shows up again and again about aggregator processing isn’t the rate — it’s the freeze. BBB complaints and 2026 local-news investigations document Square sellers waiting through 90–180 day rolling reserves, with support “unable to take further actions.” That’s the structural risk of being a sub-merchant on someone else’s master account. Stratamize merchants are underwritten up front for a dedicated account in their own name — the boring, old-fashioned way that doesn’t get “re-risked” overnight.

The contract story (Toast / Clover)

Toast’s standard contract runs two years, auto-renews, and charges the remaining balance if you leave early — owners report $1,000+ termination bills. Clover’s reseller channel commonly writes 36–48 month terms with non-cancelable hardware leases, and the hardware is useless with any other processor. Our answer is simpler: month-to-month, and your hardware is commodity PAX gear plus whatever tablet you already own. If we stop earning your business, leaving is cheap. That’s on purpose — it keeps the risk on us.

The missing number (our rates)

You’ll notice we don’t publish a Stratamize rate table. That’s not evasion — it’s the point. Flat published rates mean the low-volume shop subsidizes the high-volume one. Your quote is written for your volume and your vertical, and you see it before you sign anything. Bring your last two processing statements to the demo and we’ll put your real all-in cost next to the July 2026 published rates above, line by line.

Rates and terms as published/verified July 2026: squareup.com/us/en/pricing · pos.toasttab.com/pricing · nerdwallet.com (Toast review) · tech.co & paymentcloudinc.com (Clover pricing/fees) · trustpilot.com/review/clover.com · BBB profiles for Square and Toast · wate.com “Trouble with Square” investigation · squareup.com reserves update. Competitor pricing changes; we verify this table quarterly.

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Stratamize POS Retail Pulse report showing $1,874.18 revenue over the last 30 days, 36 transactions, $52.06 average ticket, and ranked top products

Frequently asked questions

Is there a contract or setup fee?

No. Month-to-month, cancel anytime, no cancellation fee, and no setup fee on invoicing. We keep the risk on our side of the table — if we stop earning your business, leaving is easy.

The whole bill is two lines: the flat software subscription, and a card-processing rate quoted in writing for your volume before you sign. No per-register fees, no per-employee fees, no statement surprises. If a line item ever appears that we didn’t quote, show us and we’ll remove it.

Interchange-plus — you pay the true card cost plus a transparent markup, quoted for your volume and vertical in writing before you commit. ACH runs a flat 1.5%. Prefer to pay nothing on cards? Our optional zero-fees (surcharge) program passes the card cost to the card, with no long-term contract and no setup fee. Flat-rate processors charge every shop the same padded number; the free rate review will show you the difference using your own statement.

Any device with a browser — tablet, phone, or PC — plus a PAX payment terminal per register. Terminals ship pre-configured. There are no proprietary registers to buy, and nothing that becomes a paperweight if you ever leave.

Your plan flexes month to month — Growth and Scale cover multiple locations, and you can change tiers whenever your footprint changes. Open a store and provisioning is fast: your new location gets its own private database and address, with your catalog ready to go. Close one and it simply drops out the next month.

It exports free, any day. Your store runs in its own private database — your products, customers, and sales history are never mixed with anyone else’s, and “give me my data” is a button, not a negotiation.

Two ways to start — pick the one that fits.

Book a 15-minute demo Get a free rate review

No contract. No pressure. Your data stays yours.

Prefer to talk? (770) 629-0928

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