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Block and Square in Europe: which countries it actually serves

Square is owned by Block, Inc., a Delaware company listed in New York under the symbol XYZ, and in Europe it accepts card payments in only four countries: the United Kingdom, Ireland, France and Spain.

By Thinking Desk 5 min read

Key takeaways

  • Square is a segment of Block, Inc., a Delaware corporation with offices at 1955 Broadway in Oakland, California, whose Class A stock trades on the New York Stock Exchange under the symbol XYZ.
  • Square accepts card payments in eight countries only: the United States, Canada, Australia, Japan, the United Kingdom, Ireland, France and Spain. The Benelux is not on that list.
  • That list is identical in the 2024 and the 2025 annual report, so the absence of Belgium, the Netherlands and Luxembourg is a settled position, not a queue.
  • Square processed 250 billion dollars of gross payment volume in 2025 across more than 4.5 million sellers, up from 228 billion dollars and more than 4 million sellers in 2024.
  • Cash App, the half of Block that gives Square its consumer network, had 59 million monthly transacting actives "across the United States" and does not exist as a European consumer product.
On this page
  1. Short answer
  2. Who owns Square, and what else does that company do?
  3. Which countries does Square actually serve?
  4. How is Square in Europe different from Square in the United States?
  5. Why does this matter to a merchant in Luxembourg, Belgium or the Netherlands?
  6. Is Square growing or shrinking?
  7. What this means if you are choosing a till

Short answer

Square belongs to Block, Inc., a Delaware corporation based in Oakland, California, whose Class A shares trade on the New York Stock Exchange under the symbol XYZ. In Europe, Square accepts card payments in exactly four countries: the United Kingdom, Ireland, France and Spain. If your business is in Belgium, the Netherlands or Luxembourg, Square is not an option, and nothing in Block's filings suggests it is about to become one.

Who owns Square, and what else does that company do?

Block runs two reportable segments. Square is the business side, described in the 10-K as the "seller" network. Cash App is the consumer side. The 2025 annual report, filed on 26 February 2026, says Block "designs and operates connected ecosystems that integrate commerce solutions, financial services, software, hardware, and networks to serve individuals and small businesses, primarily through Cash App's consumer network and Square's business ("seller") network."

The scale is real. In 2025, more than 4.5 million sellers made 5.9 billion individual sales transactions totalling 250 billion dollars of Square gross payment volume. Those revenue categories together produced 10.4 billion dollars of gross profit. Cash App reported 59 million monthly transacting actives and 316 billion dollars of inflows.

Note where the consumer half lives. Block states that the 59 million Cash App actives are "across the United States". The thing that makes Square strategically interesting in its home market, a payments business that owns both ends of the transaction, simply does not exist for a European merchant.

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Which countries does Square actually serve?

Eight, and the list has not moved. Block's 2025 10-K says Square sellers operate in "the United States, Canada, Japan, Australia, the United Kingdom, Ireland, France, and Spain". The 2024 10-K, filed a year earlier, says Square sellers span "the United States, Canada, Japan, Australia, the United Kingdom, Ireland, France, and Spain". Same eight. Square's own support page is blunter: "Card payment acceptance with the Square app is currently available in the US, Canada, Australia, Japan, the United Kingdom, Republic of Ireland, France and Spain. We currently don't support payment card processing outside of these countries."

Europe, for Square, means four markets out of roughly forty. Germany, Italy, Portugal, Poland, the Nordics, Austria, Switzerland and the whole of the Benelux are outside the product.

How is Square in Europe different from Square in the United States?

Three differences matter commercially.

The first is the consumer network, which is absent. No Cash App in Europe means no consumer balance, no peer to peer flow and none of the cross-selling that explains Block's American economics.

The second is the product surface. The European offer is the point of sale, the card acceptance, the hardware and the software subscriptions. The lending, banking and consumer financial products that Block has built around the American seller base are not part of what a French or Spanish merchant buys.

The third is price transparency, and here Square is genuinely good. France has a published rate card: 1,65 percent for in-person EEA cards, 1,4 percent plus 0,25 euro online for EEA cards, 2 percent for manually keyed payments and 2,5 percent for saved cards, the virtual terminal and invoices. Non-EEA and UK cards carry a surcharge. Square for Restaurants starts free and the paid tier is 59 euro net per month, Square KDS is 15 euro and Square Invoices Plus is 20 euro. Hardware is 19 euro for a Reader, 165 euro for a Terminal, 199 euro for a Handheld and 699 euro for a Register.

Those are real published numbers, which is more than several of Square's European competitors manage. Our feature-level profile is at /en/software/square-pos.

Why does this matter to a merchant in Luxembourg, Belgium or the Netherlands?

Because the workaround is worse than it looks. Square requires you to be located in the country where you activated your account in order to process payments, and the account country cannot be changed later. A Luxembourg restaurant that opens a French account and takes payments in Luxembourg City is operating outside the rules its settlement depends on. That is not a compliance abstraction. It is the risk of a frozen payout during a busy week.

The border problem bites hardest for the people this region is full of: a retailer with a shop in Arlon and another in Luxembourg City, a hospitality group across Maastricht and Liège, a market trader who crosses three countries in a week. One Square account cannot cover them. Nor can Square give a Luxembourg business the things the market here actually asks for, which is three staff languages, local VAT handling by article and an accountant who can take the export.

If Square keeps coming up in your shortlist because of its price, the honest comparison is against vendors who are actually licensed where you trade. We set that out in /en/best/best-pos-systems-luxembourg and, for restaurants across the region, in /en/best/best-restaurant-pos-benelux-2026. We also publish a direct head to head at /en/compare/luxpos-vs-square, where one of the two products is built by the company that publishes this site, which is why that page carries a disclosure and why the country availability question decides it before any feature does.

Is Square growing or shrinking?

Growing, moderately, and mostly at home. Square gross payment volume rose from 228 billion dollars in 2024 to 250 billion dollars in 2025, about 10 percent. Seller count went from more than 4 million to more than 4.5 million and transactions from 5.2 billion to 5.9 billion.

What did not change is the map. Two consecutive annual reports list the same eight countries. For a company with Block's balance sheet, adding a European market is a licensing and operations decision it is clearly capable of making and has chosen not to make. Read that as information rather than as a delay.

What this means if you are choosing a till

If you trade in the United Kingdom, Ireland, France or Spain, Square is a serious option with published prices and good hardware, and the lack of a European Cash App costs you nothing day to day.

If you trade anywhere else in Europe, Square is not a shortlist candidate. Do not let a price comparison from an American review site decide a purchase for a market Square does not serve. Check the country list first, then the rate card, then the features, in that order.

Questions and answers

Can I use Square in Belgium, the Netherlands or Luxembourg?
No. Square support states that card payment acceptance "is currently available in the US, Canada, Australia, Japan, the United Kingdom, Republic of Ireland, France and Spain" and that "we currently don't support payment card processing outside of these countries". Block names the same eight countries in its 2024 and 2025 annual reports.
Could I open a Square account in France and use it in Luxembourg?
Not within the rules. Square requires that you be located in the country where the account was activated in order to process payments, and the country of an account cannot be changed afterwards. A cross-border workaround puts your settlement at risk, which is the wrong thing to gamble on a trading day.
What does Square charge in France?
The published French rates are 1,65 percent for in-person payments with EEA cards, 1,4 percent plus 0,25 euro for online payments with EEA cards, 2 percent for keyed entry and 2,5 percent for saved cards, the virtual terminal and Square Invoices. Square for Restaurants starts free and the paid tier is 59 euro net per month. Hardware runs from 19 euro for a Reader to 699 euro for a Register.
Who owns Square?
Block, Inc., a Delaware corporation headquartered at 1955 Broadway, Suite 600, Oakland, California, listed on the New York Stock Exchange under the ticker XYZ. Block runs two reportable segments, Square for businesses and Cash App for consumers.

Sources

Every price and fact above was checked against these pages on the date shown.

  1. [1] Block, Inc., Annual Report on Form 10-K for the year ended 31 December 2025, filed 26 February 2026 (Square GPV 250 billion dollars, 4.5 million sellers, 10.4 billion dollars gross profit, Cash App 59 million monthly actives in the United States) accessed 2026-11-11
  2. [2] Block, Inc., Annual Report on Form 10-K for the year ended 31 December 2024 (Square GPV 228 billion dollars, more than 4 million sellers, same eight countries) accessed 2026-11-11
  3. [3] Square support, international availability: card payment acceptance available in the US, Canada, Australia, Japan, the United Kingdom, Republic of Ireland, France and Spain accessed 2026-11-11
  4. [4] Square France pricing: 1,65 percent in person for EEA cards, 1,4 percent plus 0,25 euro online, Square for Restaurants 59 euro per month, Square Register 699 euro accessed 2026-11-11
  5. [5] SEC EDGAR, filing index for Block, Inc., CIK 0001512673 accessed 2026-11-11
  6. [6] Square newsroom, press releases accessed 2026-11-11
Topics squareblockpaymentsbeneluxcompany-analysis

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