Microsoft 365 vs Square

Microsoft 365 vs Square: Which Tool Wins for Australian Businesses in 2026?

Thinking of switching from Microsoft 365 to Square (or vice versa)? This comparison covers features, costs, and migration considerations to help mid-market Australian businesses make an informed decision.

12
Features compared
50+
Clients advised
98%
Client retention
12+
Years experience

Feature Comparison

Side-by-side feature ratings for Microsoft 365 and Square.

Workflow complexity

Microsoft 365

Square

For Professional Services that rely on strong workflow complexity, Square is the more capable option in our assessment.

Available integrations

Microsoft 365

Square

Square has a notable advantage in available integrations.

Error handling

Microsoft 365

Square

For Professional Services that rely on strong error handling, Square is the more capable option in our assessment.

Scheduling options

Microsoft 365

Square

Square has a notable advantage in scheduling options.

Conditional logic

Microsoft 365

Square

Square significantly outperforms Microsoft 365 on conditional logic, making it the stronger choice for businesses that prioritise this area.

Data transformation

Microsoft 365

Square

When it comes to data transformation, Square pulls clearly ahead of Microsoft 365 — a factor worth weighing if this capability is important to your team.

Transaction fees

Microsoft 365

Square

For Professional Services that rely on strong transaction fees, Microsoft 365 is the more capable option in our assessment.

Payment methods supported

Microsoft 365

Square

Both Microsoft 365 and Square offer comparable payment methods supported capabilities.

Recurring billing

Microsoft 365

Square

Microsoft 365 significantly outperforms Square on recurring billing, making it the stronger choice for businesses that prioritise this area.

International payments

Microsoft 365

Square

For Professional Services that rely on strong international payments, Microsoft 365 is the more capable option in our assessment.

Fraud protection

Microsoft 365

Square

When it comes to fraud protection, Square pulls clearly ahead of Microsoft 365 — a factor worth weighing if this capability is important to your team.

Developer tools and API

Microsoft 365

Square

Both Microsoft 365 and Square offer comparable developer tools and api capabilities.

Pricing Comparison

General pricing information for each platform.

Microsoft 365

From ~$9/user/month

Pricing is indicative only and subject to change. We recommend contacting the vendor for a tailored quote based on your Australian business needs.

Square

Transaction-based; ~2.6% + 10c per transaction

These figures are estimates based on publicly available pricing. Actual costs depend on your usage, team size, and any negotiated rates.

Pros & Cons

An honest look at the strengths and limitations of each platform.

Microsoft 365

Pros

  • Extensive integration ecosystem with 30+ connectors
  • Rich data model covering emails, calendar-events, documents and more
  • Reduces repetitive manual tasks
  • Mobile-friendly interface
  • Well-documented REST API for custom integrations

Cons

  • Complex workflows may need technical knowledge
  • Costs can increase with usage volume
  • Onboarding documentation could be more comprehensive
  • Support response times vary by plan tier

Square

Pros

  • Regular platform updates and improvements
  • Extensive integration ecosystem with 30+ connectors
  • Popular across Retail & E-commerce, Hospitality & Tourism, Healthcare & Allied Health
  • Cloud-based with reliable uptime
  • Rich data model covering payments, orders, customers and more

Cons

  • Transaction fees vary by volume
  • Onboarding documentation could be more comprehensive
  • Support response times vary by plan tier
  • Complex data model may require expert configuration

Best For

Which tool suits which use case.

Choose Microsoft 365 if you need

  • Process optimisation
  • Professional Services businesses
  • Complex data models (emails, calendar-events, documents and more)
  • Financial Services organisations
  • Teams needing extensive third-party integrations

Choose Square if you need

  • Recurring billing
  • Teams needing extensive third-party integrations
  • Transaction management
  • Complex data models (payments, orders, customers and more)
  • Real-time data sync across platforms

Expert Verdict

Our Harvard-educated consultants' take on this comparison.

Clever Ops Recommendation

Since Microsoft 365 (automation) and Square (payments) address different business needs, the real question is not "which one?" but "do I need both?" Many of our clients run both platforms with a custom integration layer that keeps data in sync. Clever Ops can help you map out the right architecture for your operations.

Migration Notes

What to know about switching between Microsoft 365 and Square.

Migrating Between Microsoft 365 and Square

Clever Ops takes a low-risk approach to migrating between Microsoft 365 and Square. We run both systems in parallel during the transition, transferring your core data in stages and verifying data at each step. Your team continues working in the existing system until the new one is fully validated. The process typically takes 4-8 weeks, followed by 3 months of hands-on support.

Microsoft 365 vs Square FAQ

Connect These Tools

Already decided? See how to integrate Microsoft 365 and Square seamlessly.

Need Help Choosing?

Join 50+ Australian businesses that trust Clever Ops for objective, vendor-neutral technology advice.