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Tajir Point vs Square

Tajir Point vs Square: which POS suits your business?

Square bundles card payments, hardware and a POS. Tajir Point is a POS and back office that works with the bank or card terminal you already use. Here is a fair side-by-side for UK owners.

Written by Muhammad Hasnain, founder of Tajir Point. Facts about Square checked from its own pages (sources).

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The short answer

Tajir Point is a better fit if…

Choose Tajir Point if you want to keep your own bank's card terminal, sell on account to regular customers, keep double-entry books in the same system, or run on a Windows PC.

Square is a better fit if…

Choose Square if you want card payments, card readers and the POS from one company, a free plan with no time limit, or an AI assistant for your sales data today.

Where each one is stronger

Where Tajir Point helps

  • We don't process your cards, so Tajir Point takes no transaction fee. Keep the bank terminal and rates you have.
  • Customer credit (khata) with limits, aging and statements for customers who pay later.
  • Double-entry accounting posted from sales and purchases (Accounting add-on).
  • Kitchen display included with the restaurant tools, on any tablet or PC.
  • Windows desktop app, and the counter keeps selling offline.
  • Free data move from Excel or your old POS.

Where Square is stronger

  • Card payments are built in, so you don't need a separate terminal or bank deal.
  • A Free plan at £0 a month with no time limit (you pay card fees).
  • Its own hardware, from a £19 reader to a £699 register (plus VAT).
  • A free AI assistant for UK sellers since February 2026.
  • A Premium plan with custom pricing for businesses taking over £200k a year.

Tajir Point vs Square, feature by feature

“Partly” means on a higher plan, with an add-on or with a limit. “Coming soon” means built or being built, not released yet. Where we could not confirm something on their site, we say so instead of guessing.

  • Monthly plans
    Tajir Point
    PartlyLight plan free for 3 months, no card. Then a paid plan (Shop or Business). More →
    Square
    Free £0; Plus from £29; Premium custom (all plus card fees). [1]
  • Card payment fees
    Tajir Point
    We don't process cards. Record card sales from your bank's terminal; take online payments through the Stripe add-on. No transaction fee from Tajir Point.
    Square
    UK cards: 1.75% in person; 1.4% + 25p online. [1]
  • Hardware
    Tajir Point
    We don't sell hardware. Runs on a PC, laptop, Android phone or tablet, or an Android POS with a built-in printer.
    Square
    Sells its own: £19 reader up to £699 register, plus VAT. [1]
  • Kitchen display
    Tajir Point
    YesKitchen display per station, or printed kitchen tickets. Any tablet, TV box or PC with a browser. More →
    Square
    PartlyFrom £15 per device a month; included on its restaurants plan. [1]
  • AI assistant
    Tajir Point
    Coming soonWhatsApp AI and AI phone ordering are coming soon. No AI sales assistant yet.
    Square
    YesSquare AI for UK sellers, launched February 2026. [2]
  • Customer credit (khata / on account)
    Tajir Point
    YesCustomer credit ledger with running balance, credit limits, 30/60/90-day aging, reminders and PDF statements. More →
    Square
    We could not confirm this for UK accounts. [3]
  • Devices
    Tajir Point
    Any browser, a Windows desktop app (a Mac build on request) and Android. iOS is coming soon.
    Square
    Its own Reader, Terminal, Stand, Kiosk, Handheld and Register. [1]

See Tajir Point pricing.

Card payments: built in, or your own bank

Square's model is simple: you use its card readers and pay a fee on each card payment. For many small UK businesses, that is the easiest way to start.

Tajir Point does not process cards. You record card sales from whichever terminal you already have, and online payments go through the Stripe add-on. Tajir Point itself charges no transaction fee. If you already have a good rate with your bank, this keeps it.

Back office

Tajir Point was built for shops that sell on credit and want their books in the same place as their till: customer balances, credit limits, purchases from suppliers and double-entry accounting.

Square offers a wide range of tools and add-ons of its own. Check its site for the exact features on the plan you are considering.

Making Tax Digital

Tajir Point keeps tax on every bill and gives you tax reports. It does not submit VAT returns to HMRC for you, so you or your accountant still file them.

Switching to Tajir Point

Send us an export from your current system or your sheets (Excel or CSV is fine) and our team loads your products, customers, suppliers, credit balances and opening stock for free before you go live. Book a free migration call.

Sources

Every fact about another company comes from its own public page, read on . Prices and features change, so check their site before you decide.

  1. [1]Square UK pricing (https://squareup.com/gb/en/pricing) checked 1 Nov 2026
  2. [2]Business Wire: Square AI for UK sellers (Feb 2026) (https://www.businesswire.com/news/home/20260210922162/en/Introducing-Square-AI-Helping-UK-Small-Businesses-Turn-Instinct-Into-Confident-Decisions) checked 1 Nov 2026
  3. [3]Square Seller Community: house accounts in the UK (https://sellercommunity.com/t5/Feature-Requests-Point-of-Sale/Are-House-Accounts-available-in-the-UK/m-p/746173) checked 1 Nov 2026

Questions

How much are Square's card fees in the UK?

Square's UK pricing page lists 1.75% for in-person UK card payments and 1.4% + 25p online (checked 1 Nov 2026). Check its site for the current rates.

Does Tajir Point charge card fees?

No. Tajir Point doesn't process cards and charges no transaction fee. Your card terminal provider or online gateway sets its own processing fees.

Can I use my existing card terminal with Tajir Point?

Yes. Take the payment on your terminal as you do now and record it as a card sale in Tajir Point, so it lands in your reports.

Does Tajir Point file my VAT return?

No. It records VAT on every bill and gives you tax reports, but it does not submit returns to HMRC.

More comparisons

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Square is a trademark of its owner. This page is written by Tajir Point, is not affiliated with or endorsed by Square, and compares public information only. Spotted a mistake? Email hello@tajirpoint.com and we will fix it.

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