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Square made payment processing accessible to small businesses by offering transparent pricing and hardware that works seamlessly with smartphones and tablets. The platform eliminates traditional barriers to accepting card payments, allowing anyone with a mobile device to start accepting payments immediately. Square's point-of-sale system provides inventory management, employee management, and analytics that help small businesses operate more efficiently. The platform's ecosystem extends beyond payments to include payroll services, appointment scheduling, customer engagement tools, and business financing. Square excels in retail and service businesses where transactions happen in-person and online, providing unified commerce solutions that track sales across all channels. The platform's simplicity and transparent pricing have made it particularly popular among small businesses, restaurants, and service providers who want professional payment capabilities without complex contracts or hidden fees.

Stripe revolutionized online payment processing by providing developer-friendly APIs that make accepting payments as straightforward as integrating any other web service. The platform handles the complex compliance, security, and infrastructure challenges of payment processing, allowing businesses to focus on their products rather than payment logistics. Stripe's API-first design makes it flexible enough to power everything from simple e-commerce checkout flows to sophisticated marketplace platforms that split payments between multiple parties. The platform supports global payment methods including credit cards, digital wallets, bank transfers, and local payment methods across hundreds of countries. Stripe's suite of financial products extends beyond payments to include invoicing, billing subscriptions, fraud prevention, and business banking. The platform has become the foundation for thousands of online businesses, from startups to enterprises, who need reliable, scalable payment infrastructure.