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Square vs PayPal (Dec 2019): Clash of the Payment Processing Titans

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5% plus 5 cents for a micropayment. Micropayments: 5% plus $0.05. Square for Retail $60 per month. We’d probably recommend upgrading to the Bluetooth Chip and Swipe reader instead of you’re going to get some basic tech, however. This device retails at $24.99 PayPal Fees. So, how does PayPal add up?