PayNugget vs Square Invoices
The honest take on PayNugget vs Square Invoices
Square Invoices is free to start, but online card invoice payments run up to 3.3% + $0.30 unless you pay $20/month for Plus. PayNugget is $0/month and leads with low-cost ACH.
$0/month · low-cost ACH · own your data · US-only for now
Invoice #1042
$1,000
- Paid by
- Bank transfer (ACH)
- Processing fee
- $4
- You keep
- $996
The short answer
If you mainly need to send invoices and get paid, PayNugget is the lower-cost, no-subscription choice: $0/month, low-cost ACH bank payments, and you own your data. Square Invoices can still be the better fit when you need its broader feature set, so the honest answer depends on whether you want a focused invoicing-and-payments tool or Square Invoices's wider toolkit.
no overclaiming, promiseWhere this comparison comes from
A fair look at both tools
Square is best known for in-person card readers, and Square Invoices extends that to billing. The free plan sends unlimited invoices, but online card invoice payments cost up to 3.3% + $0.30 each — higher than typical online rates — unless you upgrade to Square Invoices Plus at $20/month to bring card payments down to 2.9% + $0.30.
PayNugget takes a different angle for businesses that bill online rather than at a counter. There's no monthly subscription, and we lead with ACH bank payments that cost far less than any card rate — about $4 instead of ~$29 on a $1,000 invoice. You own your data with one-click export and get real human support.
A side-by-side look — no hidden asterisks.
At a glance
PayNugget vs Square Invoices, side by side
Price, fees, data ownership, ACH, and support — the things that actually move the needle.
| Feature | PayNugget | Square Invoices |
|---|---|---|
| Monthly subscription | $0 — invoice and get paid free | Free, or $20/month for Invoices Plus |
| Card invoice fee | Yes (standard ~2.9% network rate) | Up to 3.3% + $0.30 free; 2.9% + $0.30 on Plus |
| ACH / bank payments | Yes — low cost (~$4 on a $1,000 invoice) | 1% ACH (cap $5; $10 on Plus) |
| Data ownership / export | One-click export, no lock-in | Export available; tied to the Square ecosystem |
| Human support | Real human support included | Support included; geared to point-of-sale |
| Best fit | Service businesses billing online | Retail / in-person plus invoicing add-on |
The verdict: For pure invoicing-and-payments, PayNugget wins on price and ACH; reach for Square Invoices when you genuinely need its wider toolkit.
Why people switch
Reasons people leave Square Invoices
The most common reasons we hear from people moving to PayNugget from Square Invoices.
Reason 01
Lower online card cost
Square's free plan charges up to 3.3% + $0.30 on card invoices. PayNugget uses the standard ~2.9% rate with no $20/month upsell to get there.
Reason 02
ACH-first by design
We lead with bank payments so you keep more of each invoice — about $4 instead of ~$29 on a $1,000 invoice.
Reason 03
Built for online billing
Square shines at the counter. PayNugget is built for service businesses that invoice clients online and want to get paid fast.
Reason 04
Own your data
One-click export, no lock-in. Your customers and invoices aren't tied to a point-of-sale ecosystem.
The fee math
Where the savings actually come from
PayNugget doesn't claim to beat the standard ~2.9% card network rate. The savings come from leading with ACH: on a $1,000 invoice, a bank transfer costs about $4 versus roughly $29 by card.
Add a $0 subscription and data you own, and the gap over Square Invoices adds up on every invoice you send.
Fees on a $1,000 invoice
Lead with bank payments and keep more of every invoice.
~25× cheaper!PayNugget vs Square Invoices: FAQ
- Is Square Invoices really free?
- Sending invoices is free, but online card payments cost up to 3.3% + $0.30 each on the free plan; lowering that to 2.9% + $0.30 requires the $20/month Plus plan. PayNugget is $0/month with the standard card rate and low-cost ACH.
- How does PayNugget compare on fees?
- PayNugget uses the standard ~2.9% card rate with no monthly plan needed to unlock it, and leads with low-cost ACH (about $4 on a $1,000 invoice). We don't claim to beat the card-network fee itself.
- Is PayNugget a good fit if I don't sell in person?
- Yes. Square is built around in-person point-of-sale. PayNugget is designed for service businesses that bill clients online, so the whole flow is built around sending invoices and getting paid remotely.
- Can I export my data from Square?
- Yes. You can export from Square and recreate your customers and invoices in PayNugget, which offers one-click export and no lock-in so you stay in control.
Keep exploring
Dig into the details
The features and guides behind the comparison above.
Ready to switch from Square Invoices?
Start free in minutes. No subscription, low-cost ACH, and you keep your data.