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HL Hunt vs Square

Square made in-person payments simple for small businesses. As merchants grow, they run into fund holds, limited customization, and ecosystem lock-in. HL Hunt offers Tap to Pay on any phone, unified online and in-person processing, published rates, and an account that is never frozen.

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  • Approved before your first charge
  • No monthly fee or contract
  • Same-day settlement
  • Real humans on the phone
Feature comparison between HL Hunt and Square
FeatureHL HuntSquare
In-person ratePublished card-present rate2.6% + $0.10 (varies by plan)
Online rate2.99% + $0.30, no add-ons2.9% + $0.30
Tap to PayAny iPhone or Android, no hardwareAvailable; readers encouraged
Fund holdsNone; underwriting up frontKnown for holds on larger or unusual sales
Same-day settlementIncludedInstant transfer carries a fee
Online checkout & APIFull REST API, signed webhooksLimited API; ecosystem-focused
Subscription billingIncluded, any pricing modelBasic, with monthly software fees
Chargeback responseDispute Agent, automaticManual
International135+ methods, 150+ currenciesLimited to supported countries
SupportHumans 24/7Business hours
$0
Hardware to start
Same day
Settlement included
1
Account for online and in-person
0
Automated holds

Why teams switch to HL Hunt

  • We never shut you down

    Underwriting up front. No surprise reserves, frozen funds, or automated terminations.

  • AI agents included

    Dispute, Fraud, Recovery, Reconciliation, Billing, Insights, and Support agents at no extra cost.

  • Published pricing

    Every price on /pricing. No monthly fees, no setup fees, no contract.

  • Same-day settlement

    Standard on every account, not an add-on with a fee.

  • Humans 24/7

    A risk team and support team you can reach, every day.

  • One ledger

    Payments, payouts, billing, and FX on one double-entry ledger with real-time reconciliation.

Ready to move from HL Hunt vs Square?

Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.

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How it works

  1. 01

    Compare your statement

    Share a recent statement and we will show you the exact difference at your volume.

  2. 02

    Migrate without disruption

    We import customers and tokenized cards so nobody re-enters a card.

  3. 03

    Go live with agents on

    From day one, AI agents fight disputes and recover failed payments for you.

Outgrowing Square

Square is a strong starting point for a single counter. The friction shows up when a merchant adds online sales, needs real subscription billing, sells internationally, or has one big day that triggers a hold. Square's ecosystem also makes it hard to integrate other software without paying monthly fees.

HL Hunt unifies in-person and online on one account with published rates and no hardware requirement. You keep the simplicity and gain a real API, global reach, AI agents, and a risk team that calls instead of holding funds.

What changes

HL Hunt vs HL Hunt vs Square, side by side

Open an account
 HL HuntHL Hunt vs Square
SwitchingWe migrate your card vault and recurring plansExport limits and re-authorizing customers
UnderwritingDone up front, before your first chargeAfter you start processing, often mid-month
Account freezesNever without a named human and a reason in writingAutomated holds triggered by volume or category
SettlementSame day to your bank, instant payouts available2 to 7 business days, longer for new accounts
DisputesDispute Agent assembles evidence and responds for youYou upload PDFs into a portal and hope
SupportPhone, chat, and email answered by payments staffTicket queue with templated replies
PricingPublished rates or a written quote, no hidden markupsTiered pricing, PCI fees, statement and batch fees

Pricing

Simple, published pricing

One rate per channel, no monthly fee, and no contract. HL Hunt vs Square is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.

Start processingFull pricing
2.6% + 10¢
In-person and Tap to Pay

Cards and wallets, any phone

2.9% + 30¢
Online cards and wallets

Checkout, invoices, API

0.8%
ACH bank transfers

Capped at $5 per payment

$0
Monthly, PCI, or statement fees

Pay only when money moves

Everything included

One account covers all of it

HL Hunt vs Square is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.

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Get started

Set up HL Hunt vs Square today

Create an account, confirm your business, and start processing the same day. Here is what you will need.

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Prefer to talk first? info@hlhunt.org

  1. 01Legal business name, EIN, and a business bank account
  2. 02A website or product description showing what you sell and how you bill
  3. 03Government ID for the owner or an authorized signer
  4. 04Expected monthly volume and average ticket size
  5. 05Where you want to take payments: online, in person, or both

HL Hunt vs Square FAQ

Do I have to buy new hardware?

No. Tap to Pay works on any NFC phone. If you have existing certified readers, ask us about compatibility.

Can I keep my customer list?

Yes. Export customers from Square and import them to HL Hunt. Saved cards can be migrated where Square supports token export.

Does HL Hunt have a POS?

HL Hunt provides Tap to Pay, a simple catalog, and APIs to connect to leading POS systems rather than a closed POS ecosystem.

Still have questions?

Talk to a payments specialist, or create an account and see it for yourself.

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Start accepting payments today.

Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.

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