Businesses using Square face risks of fund holds, higher fees, lack of true account ownership, inability to surcharge, and poor customer support.

Square is easy to start but lacks dedicated account ownership, reliable fund access, competitive pricing, surcharge options, and direct customer support — leaving growing businesses vulnerable.

Opp. Score

Severity

4High

Willingness to Pay

implied

Added

May 18, 2026

App Concept

DirectPay Pro

A dedicated merchant account platform that gives you real ownership with your own MID, transparent interchange-plus pricing, built-in cash discount/surcharge options, and a direct relationship with a human support rep. You get reliable deposits and full control over your payment operations.

Key Features

Own merchant ID (MID) with direct deposit scheduling
Interchange-plus pricing (actual cost + small markup)
Built-in cash discount and surcharge programs
Dedicated account representative with phone support
Automated fund hold prevention and instant alerts

Target Users: Small to medium business owners in retail, home services, and e-commerce processing over $5,000/month who outgrow square's limitations

Revenue Model: $10/mo subscription + 0.1% markup on interchange; or $0/mo with $0.25 per transaction fee

Existing Solutions Mentioned

SquareMerchant account providers with interchange-plus pricing

Part of App Idea

Businesses using Square face risks of fund holds, higher fees, lack of true account ownership, inability to surcharge, and poor customer support.

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