Get Square POS Set Up Right, With Real Support and the Option to Eliminate Processing Fees

National Payment Processing is an official partner of Square. We help you pick the right Square hardware and plan, set it up properly, and if you want, program it to run Zero Fee Processing so your card fees get reduced to zero. You get the Square you already know, plus a real person to call.

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Square is a great on its own. Buying it through NPP adds three benefits at no additional cost.

SUPPORT

A real person when you need one.

Square is built for fast, self-serve setup, and that’s a real strength. Buying it through NPP adds what a self-serve signup can’t: a stellar NPP support team who already knows you, your account, and is ready to help if a batch is off, a device won’t take payment, and more.

COST

More savings as your volume grows.

Square’s flat rate is simple, which is why it works well for so many businesses. As monthly volume grows, that same flat rate can add up to real money. If you buy Square through NPP, you will have the option to switch to a more affordable pricing programs as you grow, including NPP’s Zero Fee Processing.

FLEXIBILITY

Open the door to more possibilities.

In the rare event you decide Square is not for you and you’d like to explore other payment options, NPP supports 100+ types of POS systems. We can move you to a different POS setup without starting a new processor search from scratch and without incurring a cancellation fee.

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What is Square, and what does buying it through NPP change?

Square is a payment processing and point-of-sale system built by Block, Inc. National Payment Processing is an official Square partner, so businesses can buy Square hardware and Square software plans through NPP at the same public pricing Square publishes on its own site. Working through NPP adds a dedicated human contact for setup and ongoing support, the option to program the Square hardware for Zero Fee Processing so the allowable card processing cost is shifted to the card-paying customer, and a multi-processor safety net if Square ever stops being the right fit.

How buying Square through NPP works

apply

Book a free consultation.

Tell NPP about your business, how you sell, your typical ticket size, and where the current setup is getting in your way.

Evaluate

Pick a Square hardware and plan setup.

Choose your own combination, or let an NPP specialist recommend one based on your vertical and volume.

Fund

We ship, set up, and program the hardware.

Your Square gear arrives ready to run, programmed for Zero Fee Processing before it ships if you want it.

repayment

Get a dedicated NPP contact for the life of the account.

For setup questions, disputes, batch questions, hardware swaps, or graduating to a different setup later on.

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Square hardware options

Pricing current as of 2026-08-25 per Square’s published rates. Ask about NPP financing options at consultation.

Square software plans

Pricing current as of 2026-08-25 per Square’s published rates.

Square Free

$0/mo

per location
  • Tap, dip, or swipe 2.6% + 15¢
  • Online 3.3% + 30¢
BEST VALUE

Square Plus

$49/mo

per location
  • Tap, dip, or swipe 2.5% + 15¢
  • Online 2.9% + 30¢

Square Premium

$149/mo

per location
  • Tap, dip, or swipe 2.4% + 15¢
  • Online 2.9% + 30¢

Processing over $250,000 per year? Square publishes a fourth custom-pricing tier called Square Pro for higher-volume merchants. Ask about it on your NPP consultation and a specialist can walk you through the numbers.

Why buy Square through NPP instead of direct

Same Square hardware, same Square pricing. The difference is everything around it.

Real Human Support

A dedicated NPP contact for setup, batch questions, hardware swaps, and anything that comes up. Not a queue.

Zero Fee Processing on Your Square

NPP's Square hardware family is set up to run Zero Fee Processing if you want it.

Multi-Processor Safety Net

NPP supports 100+ types of POS systems, so we can graduate you to another setup if Square stops fitting.

Capital & Customer Financing

NPP Capital funds the business itself; NPP Customer Financing is BNPL-style financing for your customers.

A Real Payments Company

Since 1990, 55K+ merchants served, $14B+ processed, BBB A+, and a registered ISO of 8 sponsor banks.

Where Square and NPP fit best

Retail

Apparel, gift, specialty, and general goods, single or multi-location.

Food & Beverage

Quick-serve counters, cafés, food trucks, and full-service restaurants.

Appointment-Based

Salons, spas, barbershops, and wellness studios.

Professional Services

Invoicing, deposits, and recurring billing.

Mobile & Field

Trades, on-site work, farmers' markets, pop-ups, and event vendors.

Square is not built for genuinely high-risk categories. If your business is in a category Square won’t serve, or has already declined or shut off, you likely need a purpose-built high-risk merchant account. NPP handles those separately.

What NPP merchants say

Want to Eliminate Processing Fees on Your Square Setup?

Zero Fee Processing requires a terminal, POS, or software programmed for cash discount or dual pricing. NPP’s Square hardware family is set up to run it, so the Square gear you buy through NPP is ready for Zero Fee if you want it. With Zero Fee Processing you can eliminate up to 100% of your card processing fees. Depending on eligibility, card mix, and your setup, real results vary.

Zero Fee Processing (cash discount or dual pricing) and surcharging are two different ways to offset card fees, with different rules depending on your state. This page covers Zero Fee Processing only. See our surcharging page if that is what you are looking for.

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Frequently asked questions

Can I buy Square directly from Square, or do I have to go through NPP?
Both work. Square sells its own hardware and plans direct through squareup.com. Buying through NPP adds a dedicated human contact for setup and ongoing support, the option to program the Square hardware for Zero Fee Processing so the allowable card fee is passed to the card-paying customer, and a multi-processor safety net if Square ever stops fitting. Pricing is the same public pricing Square publishes.
Square Free is $0/mo per location at 2.6% + 15 cents in person and 3.3% + 30 cents online, and covers the essentials. Square Plus is $49/mo at 2.5% + 15 cents in person and 2.9% + 30 cents online, and adds full industry POS features, loyalty, email and text marketing, and staff management. Square Premium is $149/mo at 2.4% + 15 cents in person and 2.9% + 30 cents online, and adds 24/7 priority support, advanced reporting, and no gift-card load fees.
As of 2026-08-25 on Square’s hardware page: Square Register is $899 (or $44/mo over 24 months). Square Terminal is $299 (or $27/mo over 12 months). Square Handheld is $399 (or $37/mo over 12 months). Square Reader for contactless and chip is $59. Square Stand for iPad is $149. Financing carries a 15% APR and is subject to credit approval.
NPP is built around “no cookie-cutter contracts.” A specialist walks you through the actual terms up front on the consultation so there are no surprises after you sign. If you would like the exact contract terms in writing before you talk to anyone, ask for them on your consultation and NPP will send them.
Yes, on the Square hardware you buy through NPP. Zero Fee Processing requires a terminal, POS, or software programmed for cash discount or dual pricing. NPP’s Square hardware family is set up to run it, so the Square gear that ships from NPP is ready for Zero Fee if you want it. You can eliminate up to 100% of your card processing fees, depending on eligibility and setup.
Yes. NPP supports 100+ types of POS systems, including Clover, SumUp, Valor, Dejavoo, and PAX. If your volume, workflow, or category changes and Square is no longer the right fit, your NPP contact can walk you through the next setup without a new processor search.
Yes. You get a dedicated NPP contact for the life of the account. Most NPP merchants stay 5+ years, and having a real person to call is a big reason why. This is on top of any Square-side support your plan includes.
Yes. NPP is an authorized Square reseller, so it can sell Square hardware and Square plans directly to you at Square’s published pricing.
No. Square hardware and plan pricing is the same whether you buy direct from Square or through NPP. The reason to work through NPP is the added value: a real human contact for setup and support, the Zero Fee Processing option on your Square hardware, and a multi-processor safety net if Square ever stops fitting.

Let's talk about your Square setup

Tell NPP about your business and a specialist will walk you through the right Square hardware and plan, and whether Zero Fee Processing makes sense on it. There is no obligation to move forward.