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Square Terminal vs Barclaycard Flex: Which Is Better In 2025?


Last Updated: 20 May 2025
Reviewed By: Ian Wright (Managing Director)

Is the Square Terminal vs Barclaycard Flex better for your UK small business?

We compare both machines based on real user reviews, prices and what features they each offer.

You can also find our comparison of all the best card machines here.

Square Terminal homepageBarclaycard Flex homepage

Square Terminal vs Barclaycard Flex: The Basics

Square TerminalBarclaycard Flex
Payment Company NameSquareBarclaycard
Machine TypeMobile POSCard Machine
Where To Buy It?Click Here To Buy The Square TerminalClick Here To Buy The Barclaycard Flex

Square Terminal vs Barclaycard Flex: Which Is Cheaper

Below we compare the cost of buying the Square Terminal compared to the Barclaycard Flex and how much each charge you to use them.

You can also see if either qualify as one of the 7 Cheapest Card Readers.

Square Terminal pricingBarclaycard Flex pricing
Square TerminalBarclaycard Flex
Price For The Machine (excluding VAT)£149Monthly Rental Fee
Minimum Monthly FeeNone£15
Standard Debit Card Transaction Fee1.75%1.60%
Standard Credit Card Transaction Fee1.75%1.60%
Amex Card Fee1.75%1.60%
Standard Card Not Present Fee1.4% + 25p for UK cards 2.5% + 25p for non-UK cards1.60%
Contract RequiredNoYes
Minimum Transaction Amount£1No
How Soon Can You Get Your MoneyNext Buisness Day or Instant Option for 1% FeeNext Banking Day
Data taken from each company’s website

Square Terminal vs Barclaycard Flex Reviews

Does the Square Terminal or the Barclaycard Flex have better reviews? We compare Trustpilot, iPhone and Android app reviews below.

Square TerminalBarclaycard Flex
Trustpilot Rating4.31.3
Number of Trustpilot Reviews2,2903,158
iPhone App Rating4.8No Rating
Number of iPhone Reviews10,300No Reviews
Android App Rating4.8No Rating
Number of Android Reviews213,000No Reviews

Square Terminal vs Barclaycard Flex Accepted Cards

Both the Square Terminal and Barclaycard Flex accept standard debit and credit cards issued by Visa and Mastercard. But do they accept other card types? We compare below:

Square TerminalBarclaycard Flex
Accept VisaYesYes
Accept MastercardYesYes
Accept AmexYesYes
Accept Apple PayYesYes
Accept Google PayYesYes
Accept Union PayNoYes
Accept JCBNoYes
Accept DiscoverNoYes

Square Terminal vs Barclaycard Flex Features


Square Terminal
Barclaycard Flex
Mobile Phone RequiredNoNo
Built-In PrinterYesYes
Touch ScreenYesNo
Take Phone PaymentsYesYes
Take Online PaymentsYesYes
Business Bank Account IncludedNoNo

Square Terminal Features

Square Terminal features

  • Any type of payment method, including chip and PIN, mobile and contactless card payments
  • Fair pricing with no monthly fees
  • Data security
  • Monitor suspicious activity and block fraudulent transactions
  • Offline Mode
  • 24/7 phone support

Barclaycard Flex Features

Barclaycard Flex features

  • Take payments in store or on-the-go using chip and PIN or contactless
  • Virtual payments over the phone and by post
  • Switches between Bluetooth, GPRS, Wi-Fi and mobile data networks
  • Flexible pricing
  • Accept up to 700 sales a day on a full charge
  • Lightweight yet durable 320g

Click Here To Buy The Square TerminalClick Here To Buy The Barclaycard Flex

More Card Reader Comparisons

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Square Terminal vs Clover Flex Tyl by NatWest
Square Terminal vs PAX A50 Tyl by NatWest

Disclaimer: Businessfinancing.co.uk is a business finance and lending research and information website publisher. We are not a lender, bank, broker and/or other financial institution and as such we are not authorised or regulated by the FCA to offer financial advice. We can't recommend any of the products and/or services featured on the site. Companies are ranked in no particular order and higher ranking does not imply one company is better than another. We work with FCA authorised and regulated firms who may pay us a commission for referring you to them but this has no impact on our content and helps keep this website free to use.



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