Deluxe
Depends
Confidence: Medium
Buy if you're a bank needing white-label payments or a small business that still runs on checks.
New check
Comparison
Deluxe vs Square
Deluxe and Square both land on Depends.
Square
Depends
Confidence: Medium
Buy if you're a small or new seller who wants a free, easy POS and can tolerate flat fees and occasional account reviews.
| Compare | ||
|---|---|---|
| Verdict | Depends | Depends |
| Best for | Banks wanting white-label payments | Pop-ups, markets, and mobile vendors |
| Who it's not for | Startups wanting self-serve, transparent pricing | High-volume merchants . flat-rate fees erode margin |
| Privacy | No known public vulnerabilities found in the sources reviewed.15 | Payments encrypt card data, but parent company Block's Cash App breach exposed 8M users and Square-linked WordPress plugin CVEs exist. |
| Support quality | E-check buyers report weeks-long delays | Reviews report difficulty reaching support |
| Public sentiment | Trustpilot reviewers complain about pricing and multi-week e-check delivery delays, while third-party payroll reviews are mixed.⁸ | Sentiment is polarized: G2 users consistently praise Square while r/smallbusiness threads brand it the worst, citing holds, fees, and support. |
| Biggest gotcha | One e-check buyer waited 4.5 weeks; delivery and support slow⁹ | Account reviews can hold your funds for days before you can process |
Pick Deluxe when
- Banks wanting white-label payments
- Small businesses still using checks
- Owners bundling payroll, marketing, incorporation
When Deluxe is not a fit
- Startups wanting self-serve, transparent pricing
- Anyone needing fast e-check delivery
- Teams wanting one focused product
- Price-sensitive buyers
Pick Square when
- Pop-ups, markets, and mobile vendors
- Small retail and cafés starting out
- Sellers wanting in-person plus online in one system
- Anyone wanting a free POS with no monthly fee
When Square is not a fit
- High-volume merchants . flat-rate fees erode margin
- Businesses that can't tolerate sudden fund holds
- Full-service restaurants . use Toast instead
- Teams needing reliable, reachable support
Sources
official
- Deluxe Corporation 10-Ksec.govofficial
- Deluxe Q1 2026 slides: earnings beat 21%investing.comnews
- Deluxe to Acquire Celero Commerce for $625 Millionstocktitan.netnews
- Deluxe Expands Digital Wallet-as-a-Servicebusinesswire.comnews
- Deluxe Merchant Services Partners with TowneBankkalkine.com.aunews
news
- Trustpilot reviews of www.deluxe.comuk.trustpilot.comreview
- Deluxe E-Checks Trustpilot reviewsca.trustpilot.comreview
- Deluxe Payroll Review . TechRepublictechrepublic.comreview
- Deluxe Payroll Services Reviewpossibly.comreview
- Deluxe Payment Exchange Review 2025globalsources.comreview
- Deluxe payments business to overtake check printingpaymentsdive.comnews
- How a US payment processor increased prices despite inflationsimon-kucher.comnews
- Deluxe security page (crawl found none)deluxe.comsecurity
- Square US Reviews | Trustpilottrustpilot.comreview