Comparison
Kessel vs Square
The switch Kessel was built for.
Kessel vs Square, in short
Kessel and Square are both point-of-sale systems for cafes, shops and restaurants. The difference is how the card rate is built and when you pay for hardware. Square charges a flat blended rate, so the cheap cards subsidise the expensive ones and the spread is theirs; Kessel charges interchange plus 0.60% + 30¢, so the networks’ cost passes through at cost and the only number that is ours is visible on every statement. Square sells hardware up front; Kessel lets you lease or finance a reader and collects it out of the volume it takes, so you pay nothing on day one. If your average sale is small, a flat rate with a lower fixed fee can still win, and we will tell you so.
- Kessel software
- $49 / monthPer location, every feature, unlimited staff.
- Kessel cards
- 0.60% + 30¢On top of interchange, passed through at cost.
- To start
- NothingTap to Pay on the phone you own.
- Kessel contract
- NoneMonthly. A hardware lease has a term; software does not.
Credit where it is due
What Square is good at
Square made card acceptance ordinary. A reader arrives, you plug it into a phone and you are selling the same afternoon, with no merchant account and no underwriting call. That is a genuinely good product and most of the counters we import from started there for exactly that reason.
The crux
A blended rate is one number covering two very different things
A regulated debit card and a premium rewards credit card cost the acquirer wildly different amounts to process. A blended rate charges you the same for both. On a debit-heavy counter that gap is pure margin for the processor, and you never see it, because a blended statement has nowhere to show it. Interchange-plus splits the number in two: what the networks charged, and what we charged. When interchange falls, your rate falls with it.
Side by side
Kessel and Square, dimension by dimension
Models, not digits. We do not publish Square’s rates: they change, and a stale number here would be a lie told at your expense. Check theirs on their own site and put it into the estimator below.
| Dimension | Kessel | Square |
|---|---|---|
| Card pricing model | Interchange plus 0.60% + 30¢. The networks’ cost passes through untouched and our margin is one visible line.Kessel | A flat blended rate per channel: one percentage plus a fixed fee, the same for every card type. |
| Software fee | $49 per month per location. One plan, every feature, unlimited staff.Kessel | A free tier, with restaurant, retail and appointment plans above it. |
| Cost to start taking cards | Nothing. Tap to Pay on the phone in your pocket, today.Kessel | A reader, bought before the first card. The entry reader is inexpensive but it is still a purchase. |
| Hardware | Stripe Terminal at Stripe’s price. Buy it, or lease or finance it and pay nothing on the day.Kessel | Square’s own hardware, bought outright or financed through Square. |
| Contract | None on the software. Monthly, cancel whenever you like. A hardware lease has a term; the software does not.About even | Month to month. No term on the software. |
| Accounting | A real double-entry ledger. Every sale posts a balanced transaction or it does not post at all.Kessel | Sales reporting and exports into accounting software. |
| Inventory | A stock ledger you can audit, with purchase orders, suppliers, cost layers and real margin per line.Kessel | Item counts, with deeper inventory on a paid plan or through Square for Retail. |
| Getting your data out | CSV export of catalog, orders, customers and ledger, plus a read/write API. No exit fee.About even | CSV export and a well-documented API. |
| AI | Proposes, never applies. Catalog Studio, add-on suggestions measured from your own baskets, dispute drafts. A person clicks Apply.About even | Assistive features across the Square stack. |
Where the money goes
One sale, two routes
The difference is not how much a card costs. It is whether you can see how much a card costs.
When Square is the better choice
We import from Square every week and we still tell some of those merchants to stay. Two reasons come up over and over.
- Your average sale is very small. A 30c fixed fee is a big share of a $4 coffee, and a flat rate with a lower fixed fee can beat interchange-plus outright. Send us a statement and we will do the arithmetic on your own volume rather than guess.
- You are deep in the Square ecosystem. Payroll, banking, loans and appointments all in one account is real value, and unpicking it for a card rate is rarely worth it.
- You need a product Kessel does not have yet. We would rather say so than sell you a gap.
Moving across
Importing from Square
Connect Square read-only and Kessel imports items, variations, categories, modifiers, taxes, discounts, stock counts and customers. You review a diff before anything is written. The whole import can be undone for seven days, and we never write to your Square account, so you can run both side by side while you decide.
Connect Square
Read-only access. We never write to your Square account.
Review the diff
What came over, what we changed, and what needs a decision from you.
Apply
One transaction. Undo available for seven days.
Sell
Tap to Pay works immediately. Readers ship after.
Your numbers
Put your Square statement into this
Total fees divided by total card volume gives your real effective rate. That is the only honest number to compare against, and it is the one we ask for.
- What you pay now
- $1,302 / month
2.89% effective on your volume.
- Kessel, all in
- $1,572 / month
Cards at about 3.39% effective, plus $49 of software. Nothing else.
a month WORSE on Kessel at this average sale, and we would rather show you that than hide it.
Break-even is an average sale of about $93.81. Above that Kessel is cheaper; below it, the fixed 30¢ costs you more than the percentage saves, and a flat rate is the better buy.
An estimate, not a quote. It assumes your whole volume is card present, and the interchange figure above is an assumption you can change. The two numbers that are not assumptions are ours: interchange + 0.60% + 30¢ and $49 a month.
Questions
Kessel and Square
Is Kessel cheaper than Square?
On most counters, yes, and on some counters, no. Interchange plus 0.60% + 30¢ beats a flat blended rate whenever your card mix contains a meaningful share of debit or standard credit, which is the usual case above roughly a $15 average sale. Below that, the fixed 30c starts to dominate and a blended rate with a smaller fixed fee can win. Send a recent statement and we will compute the effective rate on your real volume both ways.
Can I import my Square catalog into Kessel?
Yes. Connect Square with read-only access and Kessel imports items, variations, categories, modifiers, taxes, discounts, stock counts and customers. You see a diff of everything before it is written, and the import can be undone for seven days.
Does Kessel work with Square hardware?
No. Square readers are locked to Square. Kessel runs on Stripe Terminal readers, and on Tap to Pay on iPhone and Android, which is why you can start with no hardware at all while your readers ship.
Do I have to close my Square account to try Kessel?
No. The import is read-only and never writes to Square, so both can run at once. Most merchants keep Square live for a week, move the counter across, and close it when the numbers agree.
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Excellent, if the store is the business.
Read the comparison →Try it against your own catalog.
30 days free, no card, and nothing to pay for hardware on day one. Keep Square running while you decide.
Square is a trademark of Block, Inc.. Kessel is not affiliated with, endorsed by or sponsored by them.