Adult chat without credit card

Square doesn't make its users jump through a proprietary hoop to get their money.

Square deposits funds directly into a user's checking account the next day.

Although Square hit the market with an unencrypted card reader, the company has since cleaned up its act and both Square and Pay Pal Here are serious about security and fraud prevention.

Both companies provide encrypted card readers and other security and fraud protection features.

Both services offer similar functionality, but Pay Pal's user base is significantly larger.

Looking past a somewhat dead heat with first name payment services, Pay Pal edges ahead with check processing and the option to accept PIN-based debit using a specific reader.

Pay Pal Here boasts the immediate availability of funds, and while this is faster than Square's next day funding, Here doesn't deposit funds directly into a user's checking account.

Pay Pal's deep pockets and established market presence make Pay Pal Here a formidable adversary, the likes of which Square hasn't yet had to deal with.

*Square's 2.75% rate applies to merchants who "on board" themselves.

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