Square

My boss has had Square for a little while and we needed to get into his account to check activity. First complaint... We had to set up a password, as usual for any account. A few days later, tried to get into account, would not accept password, although I had it written down and was typing it in correctly. Tried over 10 times and had to go through their stupid I am not a robot pick a picture nonsense. So we had to reset the password. I am trying to get into the account today, same thing, will not accept password. I have my Caps lock off, I am typing each word meticulously, slowly, over and over, same stupid result, will not let me in and that stupid pick a picture to make sure you are not a robot keeps popping up. I hope I can convince the owner of the company to go to PayPal. I use them for my business, no problems after 7 years of being with them. I hate Square!!!

Oh, and on top of this, my boss is so busy he generally does not have time to put in a customer name. I called Square, asked them to help me with a few sales in looking up customers' names so I know for sure which account the payments should be processed to, they will not help me!!! Seriously, you have our bank account number and all our personal business info which I can provide and you can't give me a last name on a sale a few months ago!!! Useless!!!

Terrible customer service. After using Square for several months they deactivated my account without warning stating "high risk activity". I had been using Square for a wedding videography business. After deactivation they claim they will hold any money on Square for 90+ days. Very bad decision to ever use them.

I opened an acct with square. I processed my first order and they closed my acct. I had to contact customer support through a friend's acct because I couldn't call them with out a code and no code because they scammed me out of my money and closed my acct. I finally got ahold of them and they assured me I'd get a call back from a supervisor which never happened, they closed my friend's acct and never replied to any of my emails!

We've had Square since it started. NEVER a single problem. Never a single time when the system was down ever. We use it DAILY! About $1000.00 per day run through their system. Flawless. We will never switch credit card processors if they keep up like this and stay this same course. We love Square and how easy it is to process and customize the options.

We get buying reports and can customize our business on when and how our customers purchase. It's AMAZING! We get calls every day from credit card processors begging for our business and we will never change. It's the best and we are thankful that we finally have a processor that doesn't have hidden fees or hidden charges and just does what they should do without any hassle... process cards! Unless Square duplicated, we won't be using another processor ever!

AT&T is the worst ever!!! There is no support and I will underline the main reason to stay away from them. VERY VERY DISHONEST... Let's start in 2015 Dec 31st. Well I bought a BOGO for an active S6 Samsung. Was not told it has no expandable memory card so I called on January 1st when customer service was open. Of course after 8 am mind you. I placed the order at around 7 pm on Dec 31st so there is no possible way it could have been shipped. Well I was right. So I was promised on tape that I would still get buy one get one but I started calling in my March bill inquiring about it. I was promised I would receive credit up until August then told "Sorry you are not qualified... So if you are not paying off those phones we will ruin your chance to get a post paid with anyone..."

Since the new AT&T CEO took over service has been service completely crappy. No help from any senior service member. I have been told by senior staff if you don't like it switch service. Think about it - my bill 5 lines costs me $265 plus pending the month, that's more expensive than some car payment let alone car ins. payment. Ok well for my payment of service this is what they have done. I was in a corporate store 4 times in one day 16th of June. They told me "Well I have no idea why your phone getting shut off." I had it turned on but then had the store close.

Mind you. They cost me between employees not being able to find me because my service was shut off again. Not including vendors I could not get a hold of. It cost me 1200 cash. Well come to find out I had a service payment arrangement for the 19th and was told by the GM in a corporate store that AT&T is breaking arrangement. I must pay now, fine. I have to work but funny thing they shut it off again.

Ok so WTF... I spent 2 working days to find out they finally decided. Decision was I lost that phone 1 and 1/2 years ago. Reported it recovered within 2 days and decided to put it on the watch list. So once again I was told "Switch service, leave." My bills with them have been paid on time 13 years??? They are too big. Over half of their customer service would be fired because they discredit their own company. They sub 90 percent if not more out of the USA that are working 24 hour shifts. They run in 2 shifts and have been told that by 611 agents. Stay away unless you like giving to work to 3rd world countries and not ours... As it is we have no choice in service and can do nothing. PLEASE SIGN UP FOR AT&T SO YOU CAN FEEL AS DUMB AS I DO.

It is impossible to fight against frauds with Square! Even though we have sales agreements and all the personal info in this sales agreements Square cannot defend our business against scams. We were working with Square since 2012 and received over $2M and they are getting bad everyday. Do not risk your money! When I called their customer service, there was a guy trying to calm me down as `Calm Down Bro Calm Down`! I am not your ** bro! I am your client! Who lost thousands of dollars just because of your company! We are quit! We are gone! Closing our 9 Square account today! Do not waste your hard work!

I have two Square accounts but in different industries. The first account is about three years old. I have had five Capital loans thru Square to the tune of 150K. Paid them off quickly and so on. I opened a second Square account for another business of mine and Square Capital has been a nightmare since I opened the account. They sent me an offer 30 days into the new account… Then denied it the next day. No reason given as customer service has NO information on Capital as it’s a very hush thing apparently. 30 days later I was offered again and it went through. I paid off the most recent loan in less than four months. On May 23rd I received another Capital offer and it was also denied. I thought to myself there has to be something wrong here with this account as I paid an average of 4500.00 per month to quickly pay this off.

Just received this email from them this morning...“Thank you for writing in and for your interest in Square Capital. Per the notice sent on 5/23/17, your loan through Square Capital was declined due to: A review of your account indicates you are subject to a lien or other financial claim against your business. This decision was based on both: Financial crimes associated with the Square account holder’s name. Outstanding lien associated with the Square account holder’s name.

We have reviewed the decision and have determined the decision to be final. Please note that this decision is based on Square Capital’s internal proprietary evaluation of your Square account. Our decision does not include publicly available credit reporting information. Although we are unable to approve your request for a loan through Square Capital at this time, this decision does not affect your ability to accept payments with Square. We periodically review eligibility and will notify you if you become eligible at a later time. If you have additional questions regarding your decline or future eligibility, feel free to view our FAQs online. Thank you for your understanding. Please let me know if you have any questions.”

I'm a bit taken back as none of this is true. So where did they get this information? They wont tell you. I let them know that they have incorrect data and should look a bit deeper into my account as they have lent me quite a bit of Capital in the past. They have no explanation...

Terrible, terrible customer support & service. STAY FAR FAR AWAY! If you are reading this, please heed my advice and stay away from Square and their payment processing business. Like many of reviewers, we were basically scammed. They decided to deactivate my account basically at will and tie up 20+ thousand dollars of my customers funds without issuing an immediate refund. They said it may take up to 90+ days to refund my customer's funds and basically shut down my processing business for a week plus for me to figure out another payment strategy. YOU ARE A FOOL if you decide to do business with them!!

I have been receiving notices from Square.com seeking recovery of $318.83 in funds for a disputed amount from a customer whose money they held without cause after purchase of some computers for 90 days. They never paid me the money because since then the money supposedly has been held by Square. I told the customer to recover their money via their bank dispute over the funds. Square still had not paid this person their money. Now they are asking me to payout from I never received as a payout from Square.

Square was suppose to distribute or payout the money after 2 or 3 days into my account. So far, the money has never been paid out to me (my bank) and Square is sending me recovery notices for money they never processed or paid out to me. Where did the customer's money go? It is such a small amount that it seems logical that an employee is stealing people's money. I never received a payout of the funds from Square.

Dishonest processing solution with zero customer service-I signed up a new account with Square. I processed my first order for $1,995.00 thru online invoicing. My account was completely verified, banking connected, and my personal credit card. The payment processed and the deposit was scheduled. Before the deposit was made, Square put a "hold" on the funds in my account. They emailed me, (no call or customer support), that my account was associated with an old account that I had with them 3 years ago. There was a charge back from 3 years ago, that I was unaware of. As a result the money in the account was seized. I acknowledged the oversight on our part, and agreed for them to collect that money so the matter is resolved. They agreed that we would move forward.

The next day I processed another new client through online invoicing in the amount of $1,995.00. The client paid and the invoice and the payment hit my Square account. Just before the money was to be deposited in my bank account, Square sends me another auto generated email requesting verification. I provided company bank statements, business filings from the state of Florida, a signed contract from a client, anything that they needed to support the legitimacy of my business. 2 hours later I received an email stating they have closed my account and the money in the account that was just paid would have to stay there for 90 days for it to process.

The email message stated the decision was final and they could not discuss the matter further. Needless to say, my week long ordeal with Square has been beyond any description of frustration. No one to talk to, discuss with, basically you can't do anything about it. I am going to voice this experience with every online review I can find. Square is a sorry excuse for customer service, customer relationship. They are a big, massive conglomerate that bully the little guy with no consequences. Run. There are better services that treat people like humans.

I've been using Square for years. It's dependable, easily accessible, simple to use and has updates that let you keep accurate reports. Remember, only people with negative things to say leave reviews. So few leave good things. Well, here's a good thing. I use it. I love it. I've never had any problems with installation, managing it, or the quick bank transfers. I recommend Square.

Stay far away! They took my money after I processed my payments from my customers and then declined my account after allowing me to process the credit cards, then they told me I had to wait 3 months to get my money back.

I opened the account in 2014, ran few charges and then continued with my own PayPal. Recently I came across Square and decided to give a shot. I had to provide all my business information and so on which was ok. Then I got an email that congratulations you are ready to do business. So I started directing all my sales from PayPal to Square for processing and I like their option that appeared INSTANT DEPOSIT, with PayPal I can withdraw up to $400 or simply transfer to my bank. I have been doing business with PayPal for 17 years.

Square is kind of shaky business. Each time we wanted to close our shift and pushed the INSTANT DEPOSIT, one went through fine and the next shift couldn't use the instant deposit to close the shift. Then I got a message account is under review. My transaction weren't big at all. $20 to $250. They don't want you to use INSTANT DEPOSIT, option is there, they will make an extra 1% off of you. I tried setting my deposits for the next day. Ran few charges and same again. Didn't see any money in my account and again account went under review.

I called their customer service and complained about the way my account goes into review almost every 8 hours and no hitch with PayPal. First they don't like to hear anything about competition. They run a nazi camp in Square. Rude customer service. If you have an accent then you are screwed. Customer service said my account looks good, no chargeback and no other issues and said to wait til the next day. So I saw the INSTANT DEPOSIT option available and wanted to use the option given and as soon as I click on INSTANT DEPOSIT button the message said my account went under another review.

This time I called back and complained to the customer service saying how can I run a business with a system like this and told her I work 40 minutes away from Square headquarters and not some guy from some doggy town in Ukraine. I am from here and so my business and I have provided my sales, bank account was verified and linked and why am I being reviewed. She said she will ask review to fix this issue. I told her if the INSTANT DEPOSIT is not good then maybe it shouldn't be available for users at least for first couple of years until they feel a little safe.

Hoping to see my issue resolved, instead I got an email saying my account has been deactivated and all funds will be frozen for the next 90 days. Tried to reach customer service but you can not talk to them if your account is shut off. They won't pick up the phone. Very bad business, I am sure they won't last if they are going to treat legit businesses like bunch of criminals. I whisked there was a rating with negative numbers too so I could go below negative 1 star on complete 000000. If you are in the business, Square is not for you and believe me some reviews that give them few stars, soon they will be coming to this page and write their own negative reviews. Since I didn't want any funds to be held, I logged in and refunded those transaction and re-process them with my PayPal account. Square is the worst processing system I have ever known.

I used the Square payment system for the first time. I registered my details with Square. All good, that's what I was thought. My payment was taken from the customer with my Square device. I never got my payment sure. I had wait 5 days for my details to appear to link with my bank. I waited no money. I contacted Square CRS. They told me I had 2 accounts setup. My one and another which had none of my personal information. You think they would help me. I got refuse, I ask about my money, nothing they could do, they have decided told hold it for themselves. I now have get the client to reclaim the money from Square as Square CRS want to keep it. Careful with CSRs. They're really sneaky. Don't use SQUARE.

We have been in business for over 15 years as a wholesale and retail company of hemp and organic products. We do not sell anything illegal despite working with hemp-based products. All of our products have been verified by the Australia, US and Canadian Governments as legal products containing no illegal substances. We sell bed linen, skincare, cold pressed oils and fibres. Earlier this year we decided to move away from the EFTPOS machine provided by our bank and set up an account with Square.

In early April we set up the account after purchasing several readers for our showroom and market stalls. After having great success with it, especially at a trade fair this past weekend, I received an email from Square saying they had deactivated our account because our business is prohibited by the Seller Agreement. Having an idea what it might be about I called and spoke to Seamus who was really very sweet to talk to, despite the horrible discussion we were having.

We sell hemp. Even though it is a legal product in the eyes of the Australian Govt. and FDA and contains nothing illegal, Square, working on behalf of their agreements with MasterCard, Amex and Visa have chosen to deactivate our account. It is so infuriating to be completely stuck right now. Here we were, supporting the little guys as they are supporting small business and they have completely stuffed us up. What upsets me is that when I inquired to why they didn't deactivate us straight away back in April (it's now almost June) they said they were alerted by a Facebook post where a customer had shown an image of food they had created by the LEGAL cold pressed oils that we retail. If you are a small business that is trying to make a difference in the world DO NOT sign up with Square. We are stuck now because we have customers wanting to process payments with no payment machine to accept it on.

If you are thinking of starting a business and using Square as your quick grab merchant services, you might want to read this. We started our business relationship with Square in October of 2015. Our industry is a little touchy (vape/e-cigarette) so we made our business activities clear to Square and to make sure they were willing to process our payments. The representative said he would check, after a brief pause he stated he had addressed the concern with his supervisor and assured us that we would be fine to use their services. Great! Not so great - here we are strapped with a permanently disabled account citing a violation of their policy. Here's where it gets fun. We received no warning, no phone call, just an email of telling us when our account has been disabled. Let me try on some level to put this nightmare into perspective for you.

Our Square account was disabled on or about 3:30 this afternoon. Shortly after the phone starts ringing with customers who are trying to access our site and can't. It is now 6:40 p.m. and the phone is still ringing! We have ZERO access to a live representative to assist us with this issue, and no means of processing credit cards for our online customers until we get a new service in place. At the very least they could have given us a grace period to review and implement a new service so we wouldn't have service issues with our customers. This is by far, hands down, the most unprofessional company I have ever dealt with! I don't even want to discuss the thousands of dollars we have processed through this company and this is how they treat their customers? That's my experience for today.

Now, let's talk about the overall, keep in mind there is never a live representative available to assist you on any level. If you need customer service you will be at the mercy of what I can only assume is the two employees who run this racket, via email and that's it! If you are lucky and I mean very lucky you might get a phone call if the issue warrants their personal attention. However, in most cases you will be treated like a number in the email queue at best. The site crashes often and when I say often it's in the upwards of two to three times per month. You have to ask yourself how many sales are you missing due to these crashes? These "blackouts" if you will, last for hours at a time and generally during the normal business hours that your customers would be visiting your site to purchase products.

Let's move on to the fees these crooks charge, and keep in mind the only reason we tolerated this level of abuse is because we thought they were one of the companies who were willing to work with the vape industry. The fees will leave you with the feeling a small financial rape has occurred. Mastercard's fees are less offensive. If you are looking for a hands off, pull the rug out from under you with zero notice, and to be charged into the stone-age, then I strongly suggest you select Square for all of your financial abuse. My last and final regret is I am forced to leave a one star review simply because giving a negative star is not an option.

I had an employee in charge of setting up my account. We run tens of thousands of dollars through Square a month sometimes and never had an issue. Until that employee left, I had some theft in the office and I want to change my bank account and Square won't let me because I'm not the account owner. I have almost $10,000 sitting in undeposited funds with them and they are NOT "allowed" to discuss with me because I am not the account owner!! I'm the business owner! This is my bank account, my money!

Their CSR's are rude. They don't let you speak to a manager or supervisor and basically told me they couldn't help me. So I'm just supposed to kiss $10K away? I will be changing companies the minute I can get my money and will not recommend Square to anyone. Their fees are too high anyways and they are absolutely irresponsible with people's accounts.

We are VERY disappointed with Square. We logged in one day to find that our account had been deactivated. No notice was sent and when I emailed them, they responded with "We reviewed your account and found that your business is prohibited by Section 4 of the General Terms and Section 3 of the Payment Terms, which means we cannot process payments related to your business." I responded with "I reviewed the sections you referred to and did not see anything that relates to us. Please give me specific information as to why this decision was made." Their final response was "Our decision to deactivate your account is final. Our Terms of Service outlines specific account types and processing patterns that we are unable to support, and your account matches one or more of these conditions. I'm unable to address this with you any further, as I've shared all the information I can provide."

It was shocking to have this happen, and based on their responses, I'm thankful they dumped us or it may have gotten much worse, like some of the comments I just read where they withdrew funds they weren't entitled to. I believe a duplicate charge that then needed refunding may have led to our deactivation but I sure don't understand why since we had money available to deduct it from, there was no delay at all! The way Square gathered (or rather NOT gather) information about the person donating was awful and the dates didn't match up so we about pulled our hair out. We are switching to Anedot and it appears to do what is needed and we've already seen a vast improvement in customer service.

Our business has used Square for several years to process any credit card payments we accept. Recently we accepted a payment of $3,900 from a client and square will not release funds due to pending verification of my business. Mind you as I stated we have been with Square for several years, why all of the sudden they need to verify my business! Called customer and that was a very unpleasant experience. The gentleman I spoke to was rude and explained that Square does this to businesses randomly. I asked why they did not do this in the beginning and he stated they make it easier for businesses to get started accepting credit cards.

Well you're sure not making it easy now by holding almost four thousand dollars of my money hostage! At the me of our conversation the gentleman hung up on me and said he would send an email so I can cancel my service and ask for a refund. Still haven't received that email. I will never use Square again and advise anyone else not to. I'm switching to Chase bank for all my credit card processing.

I used Square for 2 years with no problems until January 2017 when I received two disputes. I was out of town and didn't get the email for one of the disputes until it was too late and they would not insure the charge of $280. They took that money out of my account. They asked for a receipt for the transaction which I did not have. I was using my Square e-mail notifications as my receipts thinking that their system was secure. Big mistake. The person charging their card even signed their name on the space provided on my phone, but the dispute still did not go in my favor. The customers excuse was that they could not remember charging their card. In other words; anyone can claim any reason for a dispute and if you don't have a physical backup receipt, you're screwed. This was never disclosed to me.

A friend of mine who is a golf instructor told me about Square. He had been using it for years and never once gave physical receipts out. He always used his email notifications that showed the charge, the date, the amount and the time stamp thinking that was proof. Square never told me I had to have a physical receipt back up, so I got screwed big time. When I went to look at my dashboard, the system kept loading and I have never been able to get into it. What a waste! The entire system is a scam! You asked me for an order number? There is none but I cut and pasted what I was sent;

"Thank you for your patience during the resolution process. We challenged the $240.00 payment dispute on your behalf. Unfortunately, your customer's bank has resolved the case below in your customer's favor. Dispute Reason: Credit requested for charge. Disputed Amount: $240.00. Payment Amount: $240.00 Receipt. Payment Date: January 6, 2017 12:36 PST. Payment Card: Visa."

Nowhere on the homepage does it state one cannot use the Square card reader outside of Australia so after I was told by a tech savvy friend Square was now in Australia (I'd been waiting since 2014 when I heard about them in the US on a speaking tour), I purchased one prior to doing talks in the UK to take book sales via my phone.

When the online ID verification wouldn't accept my details I called their customer service & found this out by accident. Instead of acknowledging they had failed to provide all the facts about the limitations of their device on the homepage of their website I encountered an arrogant young man who responded, “Not everyone wants to know that info so why should we display it?” And continued to defend that the company has no obligation to supply that information to prospective users. The imitation Apple packaging was impossible to open without destroying it so now I have to try & get a refund from the store where I purchased it.

These people are crooks! They took over 1,500 out of my account, froze my bank account, then they terminated me and told me I could get my money back in 90 days and now will not even accept my calls!! Stay away from this scam company as they stole my money with no reason why. No one could explain why they took my money. They just said that there was suspicious activity when the only suspicious activity was them taking my money and then they freeze your account, followed by they terminate your account and make it so you can't even call! No major company treats their customers like this and is still in business is all I know. It's just a matter of time before they are fined, penalized, or sued for the way they are scamming people.

I have been using squareup.com credit card processing for over 5 years, and swiped thousands of dollars worth of credit cards without complaint until now. They have taken over $500.00 out of my account for appointment scheduling service that I NEVER signed up for and NEVER used. Not only did I wait on hold for 45 minutes but was transferred 4 times, when someone finally gets on the phone and say our appointments representative gets the "last say". They could see the program was NEVER used. Think they refunded me my money? Nope. Pay attention to all account deposits and settings!!! Shady business.

Square will cancel your account and close it and they will not tell you why!!! They refer you to Section 36 that states that they hold the right to cancel your account without notice and will not tell you why. Do not use them. Use Shopify instead. They are better. Their customer service is 24/7 and they do take care of you. Square customer service also are really rude. Businesses do not trust Square!!!

I am a current customer of Square and been a user since 2014. Never had issues with them to the point where I stop using their services. Recently I did have an issue to where I was being charged interest for a loan that I never received but after contacting Square through email and by phone the situation was fixed. Square refunded our money that was lost and we were back to business.

We used Square Credit Card Processing for approximately 2 years without a hitch. It seemed almost as if our account was targeted and targeted by Square themselves. One day we had processed a single transaction but when we checked the "dashboard" of our account there were 3 charges pending. Upon further investigation our account number had been charged to a bank in another state. I immediately attempted to contact Square only to find out that their customer service was virtually nonexistent. All I could do was to send an email and wait for a response. The response came three days later. Luckily we were able to process a refund to our customer. However there was no stopping these charges on credit card numbers that belonged to people we did not know, did not make and had no idea where they came from or where the money was going to. Square was totally unhelpful and just said that they would do their own investigation.

Meanwhile we had to close our account with our bank to stop any further transactions with Square. As it turned out that proved to be the smart move because they attempted to charge our account to recover these funds. When we did some reading on the internet we found that this was a common occurrence with other businesses that used Square. Why they don't have a bad reputation, I don't know. We should have researched the company much more before we decided to trust them with any financial transactions. The lack of customer service, no way to contact them by phone and then the attempt to charge us for the bogus charges. I would warn all consumers using or considering using Square to look elsewhere. And check to see what kind of customer service is available should you have a problem.

Processing thousands of dollars thru their accounts. Whenever there's a problem if you ask the customer service reps name and ID they will talk to you like trash then hang up the phone on you. Happened twice in one day. If you ask to speak with a Manager they will tell you that they can't connect you to a manager. They can only have one call you back. Also they will give advice like "If Square isn't working for you then you should go somewhere else."

I've used Square for the last 3 years during an event I operate. Initially, we chose Square solely on the fact that they offer a robust POS application for free if you're using them for processing. Pretty good deal when you're on a very tight budget. They live up to their claims of being able to deposit into your account within 24 hours, we've never had an issue with that. The only problem I have with them is that their rate is pretty high. The POS system trade off is good, but if my event continues to grow I don't know that I'll be able to swallow the size of the fees incurred.

The limits to me are more that it is hard for people to trust or believe that it is a legitimate and viable method of portable payment. The fees are mostly worthwhile if you have a bulk of transactions especially those which are substantial enough to offset the expenses to profit from. The customer service is a little trick and I recommend paying attention to time zones and business hours. Phoning is likely less successful than online customer service/support. The variety and out-of-the-box functionality of Square is amazing. It is great to be up and running in under an hour, actually more like 15 minutes.