Square: what it does well, and who it fits
Square bundles point of sale software, hardware and payment processing into one platform a business can set up on its own. This profile covers what it does well, who it suits, and where Kubera's work sits alongside it.
What Square is and does well
Square is a payments and commerce platform built by Block, Inc. It combines point of sale software, card readers and terminals, invoicing, online checkout and a reporting dashboard with the processing itself, so a business signs up once and runs everything from one account.
What it does well is remove the setup work. Onboarding is self serve and quick, the hardware arrives ready to use, the software covers a wide range of business types, and the pricing is published as a simple rate. For a new or growing business, that simplicity is the product.
Who Square suits
Square fits businesses that want to be up and running quickly and to manage their own setup: new businesses, cafés and quick service restaurants, market and event vendors, seasonal operators, studios and service businesses that invoice, and any operation where Square's point of sale software is the system the staff run the day on. It also suits owners who like to manage their tools themselves, from a dashboard.
How Kubera works alongside Square
Square runs its own platform. The software, the hardware and the processing are one bundle sold directly by Square, and Kubera does not resell it.
Kubera is an independent payments consultancy and a registered agent of multiple acquirers. We deploy acquiring, gateways and terminals behind the systems a business already runs, whether that is a property management system, a ticketing platform, an ecommerce gateway or an enterprise point of sale. If part of your operation runs on a system we deploy into, ask about it, and we will tell you plainly whether it is work we do. If your operation runs on Square end to end, Square's own support is the right place to start.
The statement review is open to any business, whatever it runs. Send a recent processing summary from your Square dashboard and we read it the same way we read any statement.
What to read on any statement
Every processing statement, whoever issues it, is built from the same three layers. Interchange is set by the card networks and is the same whoever handles your processing. Network assessments are the card networks' own fees, also fixed from your side. The third layer is the margin your agreement sets, and it is the only one of the three that changes from one agreement to the next.
Where pricing is presented as a single blended rate, the three layers are folded together, and the first job is working out where each one sits on your account. That is what the review does. We read a recent statement line by line, label each line, and tell you whether the structure matches how you run. No figures are quoted on this page. The review shows what yours are.
Common questions
Does Kubera resell Square?
No. Square runs its own platform: the software, the hardware and the processing are one bundle, sold directly by Square. Kubera is an independent payments consultancy and a registered agent of multiple acquirers, and we deploy acquiring, gateways and terminals behind the systems a business already runs.
What kind of business is Square built for?
Businesses that want to be up and running quickly and to manage their own setup: new businesses, cafés and quick service restaurants, market and event vendors, seasonal operators, and service businesses that invoice. Where Square's point of sale software is the system the staff run the day on, Square is doing exactly what it was built to do.
Can Kubera review a Square processing summary?
Yes. Send a recent processing summary from your Square dashboard. We read it the same way we read any statement: which lines are interchange, which are network assessments, and which are the margin the agreement sets. The read is yours to use however you like, and there is no obligation.
Our counter runs on Square but another part of the business runs on a different system. Can Kubera help there?
Possibly. Kubera deploys acquiring, gateways and terminals behind systems such as property management, ticketing and ecommerce platforms. Tell us which system you run and we will say plainly whether it is something we deploy into. The list is available on request.
A recommended payments partner of the BC Chamber of Commerce
Send a Square summary and see each layer
Send us a recent statement. We read it line by line and come back within 1 to 2 business days with exactly what you are paying and whether the structure matches how you run. No obligation, just a straight read.
Built for businesses that expect more from their payment systems.