Square Reviews

I'm literally only writing this review because the customer service was so bad. The male on the phone sounded like an incoherent drunk that just woke up and was struggling to read his script. He was so clueless that he couldn't even manage to answer any questions. So this is Square's standard of service? Really? And I'm still left with no explanation as to how an approved transaction could be declined by Square hours later, if my terminal was connected to wifi the entire time. I was already upset and disappointed by this loss on my small business, but Square's abysmal customer service made it so much worse. I think it's time to find a better POS.

It's awful. I uploaded necessary documents, even got confirmation in the app and email confirmations. I made 1 sale $225.16 on 04/13/26, and they refuse to transfer it to my bank. I have recorded my bank verified Square on 04/06/26, however, the funds $217.13 is still in Square. And I was even charged the 1.95% next day transfer fee. And when I call, they don't know what's going on except 2 people out of the 9 representatives I spoke to at 1(855)700-6000. They refuse to give me a supervisor. 3 of my calls lasted almost an hour. I have another notification in the app requiring the same documents I already uploaded before.

They do not deserve even 1 Star. Attention people want to use such app for their payment please do not use this app. They are scammers, they take money from cards and they keep them with them forever. Basically they are in the market to capture money. It's my humble request to people if you do wanna come in their trap please do not use them. It's been 1 year they holding my money for no reason, when I asked them they said it's suspicious and there is nothing like that I received the money from my customers. But their clear intention is to keep the money with them for no reason.

This is Upchurch inspection team. The Square company is keeping hold of the business money and holding for what they call a review when no email or notification has been sent to upchurch inspection business. They say no documents are needed and yet refuse to complete the review, causing all employees financial harm. Be sure of this, square is going to 100% lose our business support. Plus none of the customer service agents can speak English correctly. Completely dissatisfied.

A common issue that is typically resolved very quickly by most payment companies has become unnecessarily elevated, utterly mismanaged, and completely blown out of proportion by the Square account services team who, in an overly responsive heightened state filled with unjustifiable suspicion launched an all out witch hunt regarding a customer transaction that was fully authorized by the customer and their credit card company within a few hours of the transaction only because the transaction took place in early morning hours before business hours. Below I provide a detailed overview so that small business owners considering using Square should be take heed and be mindful of how this company supports their customers.

This is all based on my experience and perception, make your own judgement. One of the worst credit card processors I have ever dealt with. 21 days to refund a client on a credit card purchase as absolutely unacceptable. I had their service for less a couple of months, I generally don’t take CC, but for certain repeat clients I do. When I processed the refund, it said 7 days. Then I called up, and at first could only get an AI assistant, who then said 14 days for the refund. When I finally got ahold of a customer service agent, which wasn’t an easy feat, they then tell me it’s 21 days for a refund to process. In the 2 months with them I ran maybe 6-7 charges, but they are very high ticket items. Out of the 6 or 7 charges, 2 gave me major problems. One with me getting paid, and the second with my client getting refunded. Not a good batting average. Don’t use this service, run away from it!!

Don't use this company. I am still waiting close to a week for my money to be deposited in my account. This company don't have live operators. They text. What type of credit card merchant texts more less hold your money that my company depends on..

They'll close processing for legitimate business with no explanation and then hold your funds. Avoid. There are better options. Use an ISO and a real payment gateway.

Square is a horrible business that I am having issues now. HELD FUND: Square is reportedly holding my money from transactions dating back to 2013 and 2014 that I just saw on my Square customer's credit cards statement last week, they posted on my account without notify me and today I recently saw posted that I can not claim these transactions. UNAUTHORIZED CHANGES : MY business name and address were changed without my permission or consent. They changed my business account to the other my business named and replaced some transactions dating back to 2013 and 2014 that I don't know it.

Square once again...almost scammed me. Thier salesman gets online, calls you. Actually, is trying to figure out what your average ticket is. They ask you the 1st day?!!! When do you get your first transaction? Like a dog waiting on a bone. I even told the salesman about the way that they practiced their due -diligence. Only after they take your payment that you got from your first customer.. They then hold it and then take you through what should have already been done at first; prove your business from a to a -z all the way down to your bank accounts and matching licenses and permits needed in your business industry.) Meanwhile holding your first transaction(s). Until they verify all the additional information they ask you after allowed you to initially start taking payments. Then the verification process, especially the ID and photo ID process doesn't work. It keeps defaulting.. All while your 100.00 -1,000 transactions is held in their account etc.

I am the president of a non-profit youth football and cheerleading program. Our Concession trailer was stolen along with 2 square processing machines on November 3, 2025. Our treasurer called square to report the machines stolen and was told that as long as the machines were disconnected from our account, which they said they did, we would be fine and not to worry. Because we are a nonprofit, Square waits 30 days to batch out the machines and send funds from the machine to our account.

Date of transaction was on 3-7-26. I'm opening a car dealership at the end of the month so I opened a Square account for card transactions. Did my 1st transaction and they closed the account sighting some nonsense security reason and said I can't get my money back until June 7th. I had them over a decade ago, and other dealerships I've worked at have used them, so I didn't think much about using them. However, in doing my research a little too late, I've seen the exact same complaint for smaller and quite a bit larger amounts. Just doesn't make sense to me, and the 3 months they are making you wait, too many people have said they actually waited out the 3 months to no avail, and that's what scares me now. Money paid to business: 3,045.25.

Run from this company, they have no regard for their loyal customers. Then will make you work and build your inventory for years, then deactivate your account for no reason. I built my account and inventory with them for 5 years and I got deactivated for no reason, my sales went down to zero, couldn't sell at my location, I called and begged, they left me hanging. I had sleepless night.... This company is the worst.

Square repeatedly reviewed my account once I started actually using it for unusual activity, that unusual activity was me actually utilizing the account, then they completed the review and things looked back to normal. 6 days later they reviewed it again and decided to deactivate my account and refuse to tell me why they did this while holding over $10,000.00 of my funds for 90 days. Don't trust them. They will leave you in a business ending situation, better options are out there like Clover, etc. Terrible customer service and client care team.

This company is unfair. Buyer can cancel and dispute without merits and they still refund him full deposit even though buyer agree for partial refund and customer service claim it is under review and it was it true and they withdraw the money from merchant account. Looking for better company now.

I feel that a 1 star rating is not worth this company. I have been a customer of square for several years under my funeral home bring quite a bit of money, I NEVER had been so humiliated in my life. I recently opened a new account, used it just a few time to mysteriously to have my new consulting business under review. I waited over 30 days to get a response back when the reply from Square. Said 2 - 3 days. I even had an escalation ticket put in.

I have been using Square for years. We had no issues until we decided we needed a Square handheld for our upcoming events. Went online and ordered 2 to be picked up same day at Best Buy. When we arrived to pick up the order we were told 1 was on back order and Square would notify us when the other one was ready to be picked up. After waiting 2 weeks I contacted both Best Buy and Square and neither one had any clue what was going on. I was assured they would look into it and get back to me. This was in Nov. 2025. It is now Feb. 2026 and I have contacted Square and Best Buy 5 more times. They tell me to return the item and I will get a refund. Well, I can't return something that I never received! Big scam!!!! Yesterday I was told they couldn't even find my account or order number. This is not good business.

Actually had been working pretty well... but Square changed their product, and now won't accept payments by stripe unless you have an app on a phone. No help... just AI generated junk.

I would like to file a complaint against Square for missing deposits. I have been on the phone with within five hours now, spoken with 12 representatives and none of them can give me an answer where my deposit went. Between all 12 reps, four of them disconnected the car, four of them transferred me back into the queue system. And the other four promised callbacks and never gave me a call back. I have spent five hours already trying to figure out where my money went, and I cannot get a direct answer from them. Here is the case number that one of the representatives was able to give me case #**. I will be proceeding with legal actions for the waste of time that I have spent trying to deal with this issue.

I recently wasted my time with talking to the square associates! I want to transfer the credit card service fee to my clients to pay. Square will only allow a 3 percent credit card service fee; Square charges me more than 3% to process a credit card. Square WILL NOT allow their customers to offset the same charge for credit card processing that they charge me!! They only allow a 3% credit card service fee. Square charges me 3.5% to process a credit card!! Pay Anywhere is FREE and will transfer the entire fee to the customer. I do not recommend Square for the reason!!! It is pure BS with square!! WTH??

Horrible experience!!! They took their percentage and refused to release my funds until I provide my passport, state ID, my banking statements, invoices and what I’ll be using MY money for. Just trying to reopen my business after covid. Customer service told me “WE HAVE NO OFFICES IN THE USA”!!!….and you want my entire info??? Nope!

I have used this company on and off for several years due to the small amount of credit card purchases my small business actually processes. Today I got an email saying my account had been canceled because too many gift cards had been used. I had a customer who wanted some merchandise from me I rang her up sent her the payment link so I could ship out her products the payments went through and I got my money. Now Square sends me this email saying my account was closed and canceled due to an excessive amount of gift cards being used. If I send a payment link to someone how can I control what they use whether it's a card directly from their bank or if it's a Visa or MasterCard gift card?

Square has been awful! Do not use them as your payment processor. They hold funds unlawfully and no one seems to know what they are doing. When you ask to speak with supervisors, they say that they can’t transfer to a supervisor. Supposedly they don’t have phone lines that connect to other departments. What the?!! Customer service is useless and they never have answers to the important questions. They like to hold your funds and not release them. They practice illegal activities and hold your funds when they have no authority to do so.

I used Square to invoice a client for $1,000. The client paid on October 14, but the funds never transferred to my bank. Instead, my account dashboard showed a message saying my balance was “temporarily unavailable” pending verification. When I checked my email, I found out Square had shut down my account without any prior notice or explanation and stated they would hold the funds until January 19.

Our of nowhere, no emails or notifications of a dispute, Square reclaimed 2,000.00 out of my business account. I called to inquire why and the agent said, nothing documented in your account so he transferred me to a supervisor in accounting. She to said there was nothing in my account notes as to why they were reclaiming 2,000.00 dollars today, 1/21/26. All she could do was escalate it to someone else and they would notify me by email in 2 days.

Don't make the switch from Square for Retail Plus to Square Plus! I thought I would save a little money with a comparable product. I was told I would only lose the ability to receive Purchase Orders from outside sources. Not true! I also loss the ability to print labels from Purchase Orders created in house. Now I have to print each label for every item on a PO separately. What a time suck! Also, if you create new items, you have to go and change the location each time or else it will not scan at the POS. No effort to rectify this misinformation was made. Once you switch, that's it! The only hope may be if they improve the system down the line. The Premium Plan will print from POs, but it literally costs 10xs as much! RIDICULOUS and misleading.

Square gets 1 star for the simple reason that zero or negatives aren't an option. There is a terrible loophole with this app which is that if you are a contractor for example, you go to a customer's house and service their furnace, 2 months later their kitchen sink doesn't drain, they call you with a nasty attitude demanding you come out to fix it, and you decline and tell them you don't want the work, all they have to do is dispute the charge from the job you performed and lie and say you never did the work, Square will automatically side with the customer and steal the money back out of your account with not even an explanation. I have used square pos for 9 years and this has happened twice. Once for $760 and just the other day $380. Contractors beware as this app enables your customers to commit fraud and get work done for free.

Seemed like a legit easy way to bill. But once money started rolling in you get holds or reviews which lock your account. Normally not a life or death situation if you are notified. But that’s the problem you are not notified. Now wiring yourself money from a different account takes 24hrs so what now you scramble to pay vendors or employees on the day you said. All because the didn’t tell you and feel like holding your account hostage.

THE WORST!!! I just opened a Square account because I am booth renting for my hair salon business and need to take payments from my clients. They approved me end December 2025 and Jan. 2, 2026 I took my first payments. A day later they deactivated my account and are holding my funds with ZERO explanation as to why.

I am a legitimate business and have the paperwork to show that. Square put a hold on $9000 worth of payments and deactivated my account. So far unable to speak to a live person or get any details back via email. Two months later and they still have my money, he refused to supply any additional explanation.