Comparison
Stripe vs Square
After a Shopify Payments ban, Stripe and Square are the two most common fallback processors.
| Feature | Stripe | Square |
|---|---|---|
| Online focus | Strong | Medium |
| In-person POS | Limited | Strong |
| Reserve policy | 0–25% | 0–30% |
| Account stability | Good | Volatile for high-risk |
Our take: Stripe for online-only; Square if you also sell in-person.
Choosing between Stripe and Square usually happens after a ban or hold has already hit. We see this every day at Unholdr — merchants frantically comparing processors while their funds sit frozen.
Here's the truth most comparison articles miss: switching processors doesn't recover held funds. You need to do both — fight the existing hold AND set up a stable alternative. We help you with the first part. Then we recommend the right second part based on your country, industry and volume.
Stripe for online-only; Square if you also sell in-person.
Held funds need a specialist, not just a new processor.
200+ merchants recovered. 95% win rate. 100% refund if we don't deliver. We're the only firm in the world built for this.
- 200+ merchants recovered
- 95% win rate on accepted cases
- 14–21 day average resolution
- 100% refund if we don't deliver