We Brought Square Home to San Diego

The Payment HQ is now an authorized Square reseller, the first in California and one of the first in the country.

For San Diego business owners, that means you now have a local team that can set you up on Square, configure it to your business, and stay with you long after you're up and running. All of Square's technology. None of the DIY.

Being an authorized reseller means we don't just sell you Square and disappear. We configure it around how your business actually runs, and we're twenty minutes away when something needs fixing. If your account gets held or your funds freeze, you have a direct line to someone who can resolve it. That alone changes the equation for most business owners.

What You Get Through The Payment HQ

When you sign up for Square through The Payment HQ, you get the full platform with a team that handles everything around it.

The Full Square Platform

Every feature, every tool, every update. You're not getting a trimmed-down version. You're getting Square, set up by a team that knows how to configure it for your specific business.

Personalized Setup and Onboarding

We handle the setup from start to finish. Hardware, software, integrations, and configuration, built around how your business actually operates. Our team comes to you: onsite installation, menu and inventory builds, and hands-on training for your staff before you go live.

A Dedicated Account Account Manager

You get a real person assigned to your account, plus 24/7 account and tech support and full access to Square's own support resources. You're not giving anything up by working with us. You're gaining a local team on top of what Square already provides.

Ongoing Optimization

The relationship doesn't end after installation. We monitor, adjust, and optimize your system as your business grows and your needs change.

Cash Discount and Compliant Surcharging (For Eligible Businesses)

This is one of the biggest advantages of working with an authorized reseller. Square's Cash Discount program is only available through authorized resellers like The Payment HQ. If you sign up for Square directly, you cannot enroll.

For businesses that qualify, we configure a fully compliant Cash Discount program that offsets your card processing fees at checkout. You reduce your costs without the guesswork or compliance risk.

We also configure compliant surcharging for eligible businesses. Surcharging applies to credit card transactions only, not debit, and is subject to state-level caps. We set it up correctly so you stay compliant from day one.

What Changes When You Have a Team Behind You

You can sign up for Square directly. Millions of business owners do, and Square makes the process straightforward.

But signing up is one thing. Getting set up correctly is another.

Business owners who go the self-service route often run into the same friction points:

• Account holds or funding delays that are difficult to resolve without a direct relationship. This is the most common frustration Square users report, and the hardest to navigate without a relationship on your side.
• Support that's hard to reach when something goes wrong.
• Configuration that doesn't match their actual workflow.
• Hardware choices made without guidance.

Working with The Payment HQ changes that equation. You get Square's platform with a team that handles the setup, answers the phone, and knows your business by name. It's the difference between having a login and having a partner.

Built on 14 Years in Payments

The Payment HQ was built on a simple idea: business owners deserve better from the payments industry.

Charles Bayani, founder and CEO, spent 14 years in banking and payment processing before building The Payment HQ. He started the company because he saw how business owners were being served and knew it could be done differently.

That experience is why Square selected The Payment HQ as one of its first authorized resellers.

Get Started With Square Through The Payment HQ

We're celebrating this milestone the best way we know how: by making it easy for San Diego business owners to experience Square with a team behind them.

When you sign up for Square through The Payment HQ, you get a 30-day trial of Square's paid plan features and a USB-C card reader included with your signup. But the real value is what no direct signup can match: our team handles your full onsite setup, configures the system to your business, and trains your staff in person before you go live.

This is just the beginning. Square's platform, a local team, and the kind of support this industry has never prioritized.

Frequently Asked Questions

How do I sign up with Square through The Payment HQ?

There are two enrollment paths depending on which pricing program fits your business:

Cash Discount Program (offsets your card processing fees at checkout): Sign Up with the Cash Discount Program

Flat Rate Program (standard Square processing rates): Sign Up with the Flat Rate Program

Once you sign up, our team reaches out to schedule your onsite setup and walk you through the full configuration. You can also call us directly at any point to get started.

How much does Square cost?

Square offers four plan tiers in 2026:

• Free: No monthly fee. 2.6% + 15 cents per in-person transaction.
• Plus: $49 per month per location. Slightly lower processing rates.
• Premium: $149 per month per location. Lowest standard rates.
• Pro: Custom pricing for businesses processing over $250,000 per year.

There are no long-term contracts and no termination fees on any plan.

Does Square require a contract?

No. Square operates on a month-to-month basis with no long-term commitment. You can cancel at any time without termination fees. This applies whether you sign up directly or through an authorized reseller like The Payment HQ.

What Square hardware is available?

Square offers a range of hardware options:

• Square Reader: Contactless and chip card payments. Starts at $59. When you sign up through The Payment HQ, your first reader is included with free shipping.
• Square Terminal: All-in-one payment device. $299.
• Square Stand: Connects to an iPad for a countertop POS setup. $149.
• Square Register: Fully integrated system with a customer-facing display. Starting at $899.

When you work with The Payment HQ, we help you choose the right hardware for your setup and handle the configuration.

Is Square a good fit for my type of business?

Square supports restaurants, retail, service businesses, and professional services. Each business type has access to industry-specific features within the same platform.

The Payment HQ helps you identify which Square tools and plan tier match how your business operates, so you're not paying for features you don't need or missing ones you do.

What's the difference between signing up for Square directly vs. through The Payment HQ?

When you sign up directly, you handle setup, configuration, and troubleshooting on your own.

When you sign up through The Payment HQ, you get:

• A dedicated account manager
• 24/7 account and tech support
• Professional setup and onboarding
• Ongoing optimization

You still get every Square feature and full access to Square's own support resources. Nothing is taken away. You simply gain a partner.

Do I get the same Square features through The Payment HQ?

Yes. You receive the full Square platform with all features, updates, and integrations. The Payment HQ is an authorized reseller, which means we set up and support Square's own products. You're getting the same Square, with a local team behind it.

On top of the platform itself, working with us includes hands-on services that a direct signup doesn't:

• Onsite in-person installation and setup
• Menu build services
• Inventory build services
• Onsite in-person tech support
• Live onsite training for your staff

Can The Payment HQ help me reduce my processing costs?

For eligible businesses, we set up a fully compliant Cash Discount program that offsets your card processing fees. This program is only available through authorized resellers like The Payment HQ; it is not available through Square directly.

We also configure compliant surcharging for credit card transactions. Surcharging does not apply to debit cards, and state-level rate caps apply. We handle the setup and make sure everything is configured correctly.

We handle the setup and make sure it's done correctly.

I already use Square. Can The Payment HQ still help?

If you're expanding your business and opening new locations, we can set up your new Square accounts with full authorized reseller support. That means onsite installation, configuration tailored to your workflow, dedicated account management, and 24/7 support for every new location you bring on.

Reach out to our team and tell us about your expansion plans. We'll walk you through what working with an authorized reseller looks like for your new locations.