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Square will give the ability to process credit cards to virtually anyone.

Whether this is a good thing or not is open for debate, but it's a leg up on Pay Pal.

The basic free reader from both companies only accepts magnetic strip credit and debit cards.

Both offer a chip card reader, but it comes at an additional cost.

Square deposits funds directly into a user's checking account the next day.

But Pay Pal has been around a while, and the infrastructure to process and settle checks is already in place, so why not add another bullet point to the Pay Pal Here feature list?Square's customer service is virtually non-existent, and contacting a representative via phone is nearly impossible.Square seems to think that a simple online Help Center is enough support for its growing user base.Pay Pal Here has taken the mobile payments market by storm with a smartphone processing solution that in several ways gets the better of the current market leader, Square. Let's take a look at how the two companies compare on key areas such as pricing, customer service, equipment, and more. With Pay Pal Here featuring live customer support, immediate funding, and support for multiple payment channels including free check acceptance, it seems as though Square has some catching up to do despite the company's rapid growth.Both companies provide encrypted card readers and other security and fraud protection features.