It is just another e bank - and nothing to gain over PayPal which I have been using for nearly 15 years. SQUARE is just as boggled up with rules and caveats and fees, as PP and every other bank system. Could be different for a more structured business but I don't pay attention to that aspect - for PP or SQ. If you are looking to an alternative to PP like so many others seems to be these days - you are kidding yourself - that any of these will be better. They all need to comply with federal regulations and internal legal policies. That is the nature of banking/payment platforms.