Square Reviews

This company is a disgrace. They took over a website server (Weeby) then after 10 years having an account Square decide to remove 3 x my usual fee for my website. After now writing to them to get a refund, I have spent over a year getting excuses. ‘The system’ don’t allow a refund, promises I’d get it, then not. Well over 50 emails and now nothing. Big corporation that steal money and no one is accountable. ABSOLUTELY DISGUSTING. I will go out of my way to never use them and tell people when possible.

I have no problems with their card reader services and the business loan has been valuable. However, their credit card is criminal trash. I'm certain there are laws against holding your payment for too long. It's been 9 days since money left my bank. Customer service was worse than useless.. The person truly angered me.

Unfortunately, Square is dependent on AI algorithms that don't get it right. They will deactivate your account because, suddenly, the algorithm will pick up on something. I have been a business owner for 20 + years. I have multiple merchant services accounts. I decided to use Square because of the convenience, but less than 6 months in they shut my account down because I supposedly violated their terms. All I did was process payments from my customers, all 100% legit, but the algorithm was convinced otherwise. AI is just not there yet.

Square as a banking institution is absolutely the worst. I own a small business and recently I had my card recently declined because I was a few dollars short. Which I understand that perfectly. However on the very next day they allowed an unauthorized payment of 400.00 to be taken out of my account which ended up making me 296.00 negative. My problem with that is that they had just declined me a day before because I was a few dollars short and that would have put me in the negative. Yet they allowed a payment which was not authorized to go through and placed far into negative balance. They said it would be 5 months before they could settle the dispute of that charge. Never mind trying to get in touch with someone is nearly impossible at least someone you can understand. They are absolutely horrible and I would never recommend them as a bank. Do NOT allow them to handle your business banking! Not safe or easy to use.

Don't use Square! They are worse than PayPal. Use Sumup instead, they are much better. I received a payment from a client on the 23/12/2025, and today 31/12/2025, they will do the transfer even though they say that it is done the next day. According to the useless AI support, if the transfer day falls on a holiday or weekend, it will be done the next working day. Well, 26 is not holiday in Spain, nor the 29, 30, 31. However, it is taking them 7 days to make MY MONEY available. They are scammers so avoid Square like the PLAGUE!

Customer service through Square is a NIGHTMARE. They design scripts to give merchants circular logic until their 'internal team' decides to act. Managers are impossible to reach. They DO NOT support merchants.

I have been happily using Square for my small business for 3 years. All of a sudden, without any explanation or assistance to explain, I am notified my account will be deactivated in 20 days due to violations. I can't think of a more unprofessional method to treat customers. In response to this I am feeling extreme anxiety, frustration, complete confusion, and anger. If you have a different choice for a payment service I highly encourage you pick someone else lest this happen to you as well. I am deeply disappointed.

If there was a zero; that would be perfect for this company! My husband passed away in September which the Square account is connected to his number & email. His phone has been disconnected. I have been battling to get it changed over to my email and number. They keep saying it will be a few business days to look into it. It has been about 2 weeks. My business money is just sitting there & I cannot release it to my business account because it was in my husband’s info.. I have sent them everything they need especially my beloved husband’s death certificate. This is robbery! I believe they are holding our money trying to steal from us! This is unreal!!!!

Square is absolutely horrible! I have a legitimate business with all the legal paperwork and Square has deactivated my account with hundreds of dollars that I can not get. Yet my customer is saying that the product has been paid for. So now I am out money as square is saying that my money will be released after March 15 but I have to fulfill my customers order. Square has made my business look completely stupid in my customer's eyes!

They don't investigate cases and withdraw money instantly without review, worst experience and that's weird that they are still legitimate. Class action lawsuit should be made against them. They didn't even pretend to investigate any claim.

I recently started an LLC called Revival Diesel and without any reason other than manually entering card number since the customer is out of another state Square had held all funds and deactivated my account. Tried to talk with customer service. Spent 4 hours on the phone and got nowhere.

I rarely leave reviews, but my experience with Square has been extremely disappointing. They suddenly deactivated my account without providing any explanation. When I called to understand the reason for this decision, the representative I spoke with refused to give me any details. While I was trying to explain why I needed clarification, the agent abruptly interrupted me and simply asked if there was “anything else” they could do—essentially ending the conversation and making it clear that they had no intention of helping. It was rude and incredibly unprofessional.

My account was hacked on a Friday night. I got an email that said my 2 step verification had been disabled. And then I got a second email saying, my email on my account had been changed. I tried to contact square, can't get ahold of anybody until Monday morning at 6 AM Pacific time. They now can't find my account because it's not under my email and my phone numbers have been changed. I cannot sign into my account says and no account exist. Had to go to my bank. Cancel all of my accounts and reopen new ones. Talk to customer service this morning and they said someone will contact me in twenty four to forty eight hours because they can't find my account either.

Stay away from this company. They're thieves. I had trouble accessing my account. I gave them my debit card number and full name so they could access it, and they said they couldn't help me. They said the email address didn't match. I told them I had changed the email, but they apparently hadn't entered it into their system. I asked them how I could access my account, and they said, "We can't do anything." Thank God I didn't have any money on the card, otherwise I would have lost everything because these people are inept thieves.

This statement is being provided to formally document our company’s experience with Square/SquareUp as a payment processor and to caution other businesses regarding the substantial operational and financial risks associated with their services. Our organization was approved by Square and began processing transactions in good faith. Within less than one week, Square unilaterally froze our account and withheld a significant amount of our funds, despite the transactions being lawful, authorized, and fully verifiable. This action was taken without prior notice, without adequate explanation, and without any reasonable opportunity to cure or clarify whatever concern Square alleges to have identified.

Bought this, set it up, sold some items at the vendor show, came home to find out they canceled my account, support was no help, they couldn’t answer my questions and all the money I made has been kept by them. Worst customer support so I ended up sending machine back and loss my money. I didn’t make a lot but it’s still mine I never got

My account was hacked, and I have been trying for 6 weeks it back running. Customer service is terrible. I get told something new every time I call. I have called at least 10 times. Square has been holding several thousand dollars that my clients paid that I cannot get access to those funds.

I have tried for over 2 weeks to get a hold of someone help me with my credit card. It keeps on getting declined and I just want to fix the problem BUT The 855-700-6000 number doesn’t work!!! What’s the use of having a business card if I can’t use it!!!

I have used Square for a couple years. This month I tested the unit and processed the first sale. My phone said the sale was complete and I was paid. After the customer left I got a message that the sale was not completed and to try again. The customer was gone. Trying to reach square is very time consuming and mostly impossible! What a terrible company to deal with.

Up until today (11/13/25), I have been using Square for my small business. After over 6 years of using Square for my POS and card processor, I was informed my account was being deactivated??? Nothing about my business has changed in the last 6 years, so I don’t really understand why this is happening all of a sudden. After doing some research about Square deactivating accounts, this seems to be a VERY common issue with this company! Do yourself a favor and use another card processor! I have a brick and mortar store with no online sales, so I will be switching to cash only and purchasing an ATM until the foreseeable future.

I had issue that I needed to call the customer service department, the first representative was rude and didn’t help at all basically told me nothing he could do, I asked to speak with a Manager, so supposedly a man named Chris who was a supervisor was actually worse, don’t go with this company! I’m not sure what happened to them but they are HORRIBLE! I ended up closing my account and will NEVER use them again! Do yourself a favor and look elsewhere for a better product and customer service that are competent and trustworthy, NOT like them.

I own a small business where I thought Square one would be convenient to use for credit card payments. First transaction I made went smooth. The second one I made was for $4700 and square thought it may be fraud for no reason I could understand. They said they would hold the payment for 3 months then release it to me. I asked why not just return the payment to the original sender if they thought there was an issue so that I can get paid. They said no that they had to freeze it for 3 months. This is horrible. I have never heard of any company holding your money for 3 months. Scary when it’s a big transaction and you need that money. I stopped using them immediately and went with the bank. I still have another month to wait before they will release my funds.

As I've had a Square account since I opened my flooring showroom in February of 2025, used the credit card transaction maybe three times as most of all our customers use checks or Zelle. On October 31 I had a large order for tile they wanted to put it on a credit card being hesitant of doing so I had no choice. Put the order in, transaction went through successfully and square 3.5% is 1,000. As I said it was a large purchase. Then now are holding my funds for verification! Are you kidding? I've been verified, used them before, now this. I have to purchase this order as my clients are on a time frame for this job. Now square will let me know after I reverify myself. I have to purchase this material and pick up all on Tuesday 2200 sf of tile!!!!

Been a long time customer. Had an issue with my terminal and loan basically. No particular help. No trying to come up with a solution. Just too bad so sad. Definitely moving over to a different terminal and it’s sad that Square Customer Service is like this.

This platform is a joke!! They deactivated my account within a few days of opening it. I have $500 being held, I spoke with an agent on a recorded line on 10/23/25. He assured me that my fund would be transferred to my linked account on 10/25/25. My funds are still not in my account and customer service is now saying it will be 11/23/25. DO NOT USE THIS PLATFORM

I am a privately owned CBD pain balm seller that, after building the site (Wix - happy with them) and getting all my financial information connect to the store, I was shut down due to Square needing a COA. After providing the requested COA showing far less Delta-9 included that the state maximum %, I spent 6 months of back and forth (due to their horridly delayed email response and clueless phone reps) to get a functioning store.

DO NOT USE SQUARE FOR ANYTHING. This company told me to set up my business account and then told me everything was approved so I ran my customer's credit card and square took the deposit of 1895.00 then came back at me and said my ID wasn't approved. My ID is not out of date and is good. They put a hold on releasing the funds for a week I've sent everything they have asked. Now have come back and said they deactivated my account and have put a hold on my customer's deposit money and said it won't be released for 90 days. I'm pissed

Horrible experience! Holding funds hostage for no reason. The customer service is deplorable at best. We have them every proof of identification under the sun including access to the bank account. They are a complete sham of a company.

I do not recommend using Square if this is your primary source of banking for a business... They have withheld funds from my account 2 times in 2 week time frame, this has made my have to change the way I do my business transactions. HIGHLY DO NOT RECOMMEND TO ANYONE.

Have had too many issues with Square. Their customer service SUCKS!! They are SCAMMERS!!! We had issues and they said they were going to give us $500 in free processing but it was a LIE!!! Now they are keeping us on the phone. Constantly transferring us from one person that can't help to another. THE WORST EVER!!!

I used Square Banking due to direct deposit from Square card reader for my small business. A check deposit that cleared my client's account never was deposited to my account. I have provided Square proof from the issuer's bank showing funds cleared her account but have never been deposited to my account. After 6 phone calls, 5 emails, 3 chats, and a few posts on their help forum, I have been promised countless times that my concern will be escalated at least 10 times. I received one email very early on telling me the check was insufficient funds. I have sent proof that the check cleared her account, and no one will reply. Not only is this concerning as to the safety of consumer funds, but absolutely terrible customer service. Do not use Square!

I opened up a Square account for my cleaning business. After three transactions I was told to verify my account with some questions. I answer the questions. After a couple days they open my account back up. A couple days later I got my debit card in the mail and I tried opening a savings account. At that point they asked me more questions and put my account lock again. They asked me a series of five questions which were similar to the first set of questions and I answered them honestly and correctly and I get an email a couple days later saying my account was deactivated. I have called and the people don't understand what I'm saying. All they keep saying is they understand what I'm going through and this decision is final and won't give me a supervisor and won't let me talk to someone higher up because of my account being deactivated that should have no reason and there's no reason my account should be deactivated.

I'm just starting out selling some handmade items online. Since Square offered a free version of their service, I figured I'd give that a try. I wasn't able to do anything with it since there was only one template and everything was in black and white. I signed up for a free account, but they put me in the plus plan and informed me that I'd be charged $49 at the end of my 30-day free trial. I wasn't happy to see that they planned to charge me for something I never signed up for, especially when I wasn't even able to test out useful web design features.

Never disliked a company so much. Not only are the costs astronomical, the customer support is mostly unavailable, and otherwise completely unhelpful. You cannot get a live person on the phone and it is completely unprofessional. A nightmare!!

I have been with Square for 8 years and this has been the most awful experience I’ve had with them lately. I deposited a check on Monday, that same day, they put a hold on my check and froze my account due to fraudulent activity. What activity? I rarely use my account. I’ve deposited checks before and within 24 hrs, I get credit. The representatives have gotten rude and won’t explain why a government check would take more than 5 business days to clear! I’ve worked for banks before and I know it doesn’t take that long to clear. Needless to say, when that credit hits my account, I’m closing that sucker down! You can’t stay in business that way and talk to people all crazy. And they never told me why they froze my account.

Square is the worst deactivated my account because my business has grown and we are now doing bigger jobs and get paid more than try and say we need to wait 3 months to get the money. Also customer service is the worst. I will never use them again and I hope many people cancel with them

Less than 1 star is more than they deserve. I have a client of over 10 years who disputed my charge through Square because the Amex was giving me problems in PayPal. The customer is disputing my charge (<$600) even though I sent an email prior to my new fees and associated services. When I received the email from Square about the dispute, I signed on that day to gather and submit my side of the dispute to show I have in fact provided the said services. This was the first time I have had a customer dispute and the first time through Square. So day 2, I had more documents showing services rendered. Signed on to the dashboard. Dispute filing closed off. So I found square@help-messaging.squareup.com and emailed them my additional documents of proof. First, Juliette said the dispute department doesn't show a dispute on my account. I had to send screenshot of my dashboard to show in fact there is.

I can't begin to share the large amount of issues that I have experienced in the 2 months with Square. Account Rep is unresponsive and has poor attention to detail. Fee being charged is incorrect and does not match the contract I signed. Customer Service and follow through is non-existent. I've been calling for a month to get issues resolved and not 1 person has called me back. Asked for a different Account Rep. Excuses after more excuses. I'm looking for a new POS. This company is the worst company I have ever encountered. They have made it harder for me to run my business.

We took a down payment for a vehicle from a customer. Square requested "more information" from us regarding transaction. We completed the questions and sent required documentation. Then received email saying documentation was unacceptable. Customer was returning the following day to pick up vehicle which we could now not release to him because of Square holding money that they may never release. We quickly had enough and refunded payment. Now customer is mad because it may take 7 days to get back to his account, and we still can't complete his vehicle sale. What a nightmare. We will cancel Square!

Think twice before using this company! I was introduced to Square by an employer. I am a subcontractor, this is how the employer wanted to pay. He is allowed to print off checks through this company without having the funds in the account. I call him, and he gives me the runaround. I call Square because his name (Khalil **) as well as theirs (Square) is on the check. They claim they don’t have the ability to look into his account to see what the problem is.

Square customer service (Lexi) is very rude, and unprofessional. In the midst of me talking and explaining my situation the representative said "Bye" and hung up on me. Furthermore the representative would not provide me managerial assistance, I've asked for the manager multiple times. They refused me of anymore service. They deactivated my account when I provided all necessary business documents, and bank information. They're holding my money, that I need to operate my business,. They refuse to handle the situation with my retrieving my funds, saying I have to wait 3 months. I've done nothing wrong, what they're doing is wrong, and is putting me at a financial loss. They need to be held accountable for how they treat their customers.

Do not do business absolutely with swear. They will hold the money for 6 months if you have any any chargebacks plus they will cancel your account automatically and you won't receive your money at all for anything and you try to get in contact with them you can't. They have no way of calling them afterwards after they canceled the account. Extremely hard. Extremely hard. They don't have a number. They don't want to do business after that. Very poor after that. Very mismanaged company. You will be scared if you did. They need to be investigated by the FBI and I'm not joking.

Extremely Poor Customer Service – Holding Funds Without Just Cause. I rarely leave reviews, but my experience with Square has been unacceptable and deserves to be heard. Square has shown a disturbing lack of transparency and professionalism. They have withheld funds from my business account without providing a clear explanation or timeline for release. Reaching customer service is a nightmare – long waits, vague answers, and zero accountability. It's as if no one is actually empowered to help or even explain what’s going on.

Negative review about SQUARE: unjustified retention of funds, Frustrating and disappointing experience with payment handling. I hired SQUARE's services to process the payment for my first credit card payment invoice, which total amount was $1,485 dollars and was charged on May 9, 2025. From the beginning, my experience has been extremely disappointing. Without giving me any clear reason, SQUARE decided to withhold the payment and, to make matters worse, canceled my account without prior notice. Not only did they keep my money, but the communication was almost nonexistent. They only informed me that they might return the amount in three months.

I purchased the reader device for my one and only art fair show. It worked one time before the show, but failed to work at the actual art fair show. I tried to contact Square, but there is no option for speaking with a representative. You are immediately sent to text messages for “chat” support and then the call ends. The reader failed to perform its one and only function yet I am being refused a refund.

THIS IS YOUR ONE WARNING ABOUT SQUARE- DO NOT USE THEM. This company (that has almost 7k negative complaints within 3 years filed with the BBB) will lock your account, hold your money without merit, and cripple a small business without care. There are so many layers of redundancy built into their processes and customer service that you will never get any resolution to your issue- which has been the same for many, many small businesses. Their MO: if you have a various refund or multiple transactions, they will lock your account and hold your funds for 1-2 days citing a security review.

They sure know how to take the customers' money out of their account and hold it into own bank accounts. Imagine if you are self employed or a small business and take someone's money and hold it for 90 days. How are you in business besides stealing? If you do not like how we do business why take the funds out of our customer's credit card. Charge Us the fees and keep the money. Next time say we will hold funds 90 days until.

Bad customer service is one of the quickest and most effective ways for a business to lose its reputation, customer base, and ultimately, its profitability. In today’s world, where options are abundant and competition is fierce, customers are not afraid to take their money elsewhere when they feel disrespected, ignored, or undervalued. Whether it’s being left on hold for too long, receiving rude responses, dealing with untrained staff, or having issues unresolved for weeks, bad customer service leaves a sour taste that customers don’t forget. And thanks to social media and online reviews, one bad interaction can be amplified to thousands—sometimes millions—of potential customers, damaging the business’s image far beyond the original complaint. People talk.

DO NOT USE!! This company will steal your money. I was a new customer using square for my real estate business. I created an account, bought the pos system, and everything was fine. I worked tirelessly on a property and received my first payment from my client. Square not only took the payment out of her account and they flagged my account for high risk and identity verification purposes. (None of this information was required when creating the account, nor do they deny the transaction until the verification is concluded.) They took her money and refused to pay me.

I'd highly suggest using Stripe or another payment processor, opposed to Square, especially if you haven't signed up for Square yet. My experience with Square was fine, until they recently inaccurately flagged my account as high-risk. I've never received a charge-back, and nothing has changed in my business. Yet, today, they deactivated my account, then mentioned there was nothing that they could do. Thanks, Square, you suck.

I can’t believe how unprofessional this company is. They have held my money for over a week giving me more excuses every day even though they held a pretty high percentage compared to other companies. I will never use this company again. It’s sad that small businesses have to deal with the stress of not receiving thousands of dollars because they need endless amount of information to “review” an account.

I’ve been a loyal Square customer and had no issues until a recent transaction triggered an unjustified hold on my funds and the deactivation of my account. A customer purchased automotive parts from me using his American Express (AMEX) card. Unbeknownst to him, his wife initiated a dispute with AMEX. Once she realized the charge was legitimate, she canceled the dispute, and AMEX confirmed that the funds were returned to Square on July 8, 2025.

I had a sale with this Square sh**. They hold on my money. Tell him I got two business and one of two business days I approve who I was even the person who gave me the credit card prove who they were and I still hold my money but the sad part about they charge me a percentage that they still gonna hold if they don’t release my money. I’m just so unhappy with this company. I will not be using it. No more. You guys suck. It shouldn’t take no one two business days with somebody’s money when they prove who they were, you suck.

This is terrible service, my partner and I have had too many issues. We've had funds delayed for no apparent reason. Along with our account being removed and temporarily in the middle of a transaction with a customer. Which reflects badly on our business as owners having a customer wait to complete payment. We appear unprofessional in front of our customers and potentially can lose customers. I would not recommend the customer service as well were no help at all and constantly disconnected from our chats.

Do not join!! I've had my account for less than 7 days and they will come up with a reason to deactivate your account to keep your money for 90 days. They will give you the run around then stop you from being able to contact them.

Square used to be great, so I overlooked their high percentage rate. Good customer service is essential when you have an issue and that is where Square has fallen. Instead of giving Americans jobs to serve English speaking Americans, they have outsourced their customer service dept. to either ** or ** and **. They are difficult to understand usually and when a service call has to be escalated they can only email the dept. that needs to be contacted to resolve the issue. So - they are buying cheaper labor and I am getting uber crappy customer service. If you have to call them, pray you get someone from ** - because the other ones tend to get short and rude….especially the males. For this reason I am now looking for someone to replace Square. I am sick of heavily accented English Second Language service reps that are hard to understand and they have a hard time understanding me.

After one month I received an email saying I violated terms and the account will be canceled. I called and was told they did not know but will escalate it to the team who does know to find out. I said can I speak to that team even if by email to discuss and possibly appeal it. ANSWER: NO. They have no interest in proper customer service. Instead use the very friendly Helcim. They have everything you need and great prices! Link here: **

Absolutely HORRIBLE! I just started my business and SQUARE is a COMPLETE fraud. I had people pay for a service and I didn’t receive the money at ALL. The money was held with Square and they said they couldn’t find it!!!

For over five years, I’ve been using the Square app, and I have an active loan with them. My business has never faced chargebacks or any fraudulent activity. However, while accepting donations, I received a generous contribution from a customer I hold dear. To my surprise, Square decided to deactivate my account, citing “suspicious activity” for reasons that remain unclear.

I’m the owner of multiple businesses and have been using Square Point of Sale under the belief that I was partnering with a reliable and transparent payment processor. Unfortunately, this week has proven otherwise — Square is currently **illegally withholding \$10,000 of my company’s earnings** due to a broken verification process and unresponsive support.

I have owned a CBD store in southern Wisconsin for the past 4 years. When I first signed up to use them, they said everything was good to go and could start the day I sign up. I had a little bit of trouble with square a year and half in. Without email warning (only on the company's dashboard) I had my funds frozen from transferring into my bank account. The notification on my dashboard said I was not compliant (no one told me about this when they signed me up). I gave all the necessary paper work. Everything was cleared and the funds (after nearly 3 months) were returned. I chose to stay with them seeing how it would be more of a hassle to get up and going with a new processor.

I have been with Square for over a year now with my online platform. I had somebody scam my business. They purchased $1000 worth of product. I filled the order, they came into my store and showed me their receipt. I passed the bag over to them, then the person disputed the claim two weeks later. So it was credit card fraud online.. and said they never came in my store so square reimbursed them. I am out $1000 in merchandise. They ruled with the bank even though someone came and showed a receipt to pick up their goods. Be aware!! Square does nothing to help. They said, "Oh sorry the bank won, you need to get a lawyer and go after the bank," and never helped me out at all..

Please be aware of Square—the worst company ever. I recently started my construction company, and some of my customers want to pay with credit cards. For every transaction, I have to explain everything to Square in order to receive payment. They create new problems each time, sometimes asking for invoices, customer information, and many other details. Additionally, they hold the money for a while, and on top of that, the fees charged to customers are unbelievable—almost 3.6%. Don't waste your time and energy with Square!

To all the small businesses out there - Please Please do not use Square. This company can close your account at anytime and charge you a non refundable fee and hold your funds for 90-120+ days with no recourse, this should be illegal and I plan to shout it from the rooftops to save any small business going through we are going through. Please find an alternative option and check it is not connected to square.

Terrible experience! Yesterday, I opened the app to charge a client, but I couldn't find a way to do it. As a result, I had to leave without completing the transaction. I don't understand why Square doesn't have a simple button that says "GET PAID" immediately upon opening the app. Additionally, when I tried to obtain a payment link on the desktop, it was also very difficult, I had to end up calling Square to help me navigate the process; almost ONE HOUR!!!. It's frustrating!

The worst onboarding!! I don’t even know where to begin!! From having to correct what the tech I was set up with who was supposedly helping, took so much of my time. Had problems with the printers, menu modifiers and the drawers corresponding to the POS. We haven’t opened yet and I want to throw it out a window!! No one comes out to help. Everything is Zoom or email! Horrible. Horrible. Horrible.

First day I used them no issues. Used them 2nd day and received an email saying they need more information. Asking for invoices and my bank statements. Their Plaid connection was not working correctly. Not sure why we needed all this for a few charges. Then I get an email saying they were holding my money 90 days and closing my account. Amazing! They say to you can refund them back. Ok.🙄🙄🙄

Horrible customer service. My domain is currently with Square. I have been trying to get it transferred for the past month, however they will not enable the registrar lock in order to do so. This is supposed to be a process that users can complete on their own, but my account will not let me do so. Square customer support has been absolutely no help. Will never be doing any sort of business with Square again.

I received a legitimate payment via ACH bank transfer from a client for a video production contract we won through an RFP process. Square placed the funds on hold, claiming they needed to investigate a potential "credit card scam" - despite this being an ACH transfer, not a credit card payment. I provided all requested documentation about the contract and client relationship. Instead of conducting a proper investigation, Square simply decided the payment was fraudulent and told me the "decision is final." The Real Problem is..

Square approved my account, verified my bank and personal information, accepted a $900 payment from my vendor and then deactivated my account and is keeping my money until October 12. This business is a scam and should be looked into for fraud.

My experience with this company has been very disappointing, especially regarding transactions. The process is slow, unclear, and in several cases, charges or holds were made without apparent justification. There is no transparency or clear answers from the support team, and resolving a simple issue takes days, even weeks. It's frustrating to trust a platform that manages money in such an unprofessional manner. I don't recommend it if you're looking for security, speed, and responsible treatment.

My experience with this company has been very disappointing, especially regarding transactions. The process is slow, unclear, and in several cases, charges or holds were made without apparent justification. There is no transparency or clear answers from the support team, and resolving a simple issue takes days, even weeks. It's frustrating to trust a platform that manages money in such an unprofessional manner. I don't recommend it if you're looking for security, speed, and responsible treatment.

Let me start off by saying that the app itself feels quite frequently. Also would like to say that they like to play games with your money they like to accept the money, especially in large quantities and then tell you that they need to verify your identity and then they go onto verify your identity again and then they go on to send you more information to verify your business and your identity and it just seems like they’re holding onto your money to gain interest being as it’s in the Bank And then they want you to verify your customers information which is absurd and then they pretend like like it’s all part of a natural process of them holding your money for an infinite amount of time. It’s just ridiculous. If you plan on using this app plan on not seeing your money for a while

The worst system. And customer service is not any better. System fails during service hours or will just update in the middle of service hours causing loss of revenue. Tell that to customer service and they read off the script and say sorry to hear that. There is nothing we can. This is by far the worst company to deal with. I lose time and money dealing with it. If I could find an address I would send them a bill for the loss revenue. Do yourself a favor and look for other POS before using this junk. Their system is the other meaning of POS

Square is a fraud and scam. They took my money and then closed and deactivated my account. I have chatted and sent many emails with no resolution. I did a refund to the client and they told me, the refund is under review. Square not only violated me now they have stolen from my client. Everyone on here that has given the same or similar review, we need to file a class action lawsuit. Square agents lie and they all read from the same script, they disconnect from the chat, they hang the phone up in your face. Square agents won't allow you to speak to upper management. I need them to refund the money so the client can get their money back. I can't afford to take a list like this. Square refund the invoice. I never received the payment because you trying to steal it. Square is a scam.

Terrible. Shouldn't even exist. Marked my business as fraud, and didn't deposit the payment that the customer had paid me for the service. And now I'm pretty much forced to issue refund back to the customer. For another form of payment. Mind you. My business is fresh and been owing it for a couple of months now. Had no issues with my recent payments at all from my customers. Please do us all a favor and close this transaction service for good. 👋🏾

What a pathetic excuse for a company. The only thing they get right is card processing. EVERY other thing they do is just garbage. If you like to waste your time, Square is the company for you. It’s like going back in time to the dial up delays. Then they release new features and NEvER fix what is wrong with it in the first place.

The worst payment platform, easy to open, purchase terminal and mobile terminal to use with phone. I never had this company, I made my first charge, and they cancel my account, telling me I do practices not allowed by them. I had cc authorization form from customer and invoice and all set properly, they close my account, took 2000 dollars from customer and never gave it back, and this scammers contacted me after 2 months. I told the customer to file a charge off to get money back, Square contacted me like nothing happen and asked me if this was a honest and legal charge off. The reality is they keeped the money, never put into my account or refund customer and after they close the account with no legal right, they contacted me to ask this questions.

Frustrated by False Information and Delays. I'm extremely disappointed with Square. Today, I received a completely false statement from one of their representatives when I asked why my funds were being held longer than usual — something that has been happening more and more frequently lately. I clearly have official reports showing two transactions processed yesterday — one at 5:36 AM and another at 9:06 AM. However, the representative claimed: "YOUR money is not being held by us, as YOU made the transfer after 5 pm local time... YOUR bank does THAT... It's posted for up to 2 business days."

Horrible. We own a automotive repair shop. Some weeks are busy and others are slow. Once in a while, we will have a large job like $7000 engine or what not. Every time we have a larger transaction, they freeze our account and it screws us for ordering parts on time and makes us look horrible. We are leaving Square to go with a real merchant. Cheaper and no hassles like square always creates.

i just got scammed also. First customer just paid $7,222.40 and they deactivated after they paid. Account was opened for 2 weeks and as soon as I got funds in there. They took it. I spoke to Kate and Kathy and another non professional jerk! that hung up on me. They claim to not have anyone you can speak to at all. Which is total BS. Just a bunch of people with accents that answer you. I will make sure to file a lawsuit against this fraudulent company. We need to all join forces to stop this. I wish I would have read these reviews before. Now I cannot pay my bills.

Just used Square for the first time!! And it will Certainly be the last. Had a customer pay me $3000 on the credit card. Square deactivated my account. Locked it. Now they're holding the funds for 90 days. They said they will release my money into my bank account in 90 days. I will Not recommend them to my worst enemy.

Beyond the worst payment processing company. Every transaction needs to be reviewed and it takes 24-48 business hours to complete. Complete bullcrap. Their support is useless on top they charges ridiculous amount in fees to transfer to your account and to take the payment. Square go jump off a bridge. You're useless.

They create false fraud inquiries to hold large payments for days even with contact and invoice provided. They over reach their responsibility in an attempt to collect interest on funds ran through them. Highly recommend finding a more honest service. Very dissatisfied. Do not recommend. No contact with anyone there except through email and their horrible website.

The worst company I have ever worked with. Was sent faulty register, that I purchased in full. The systems never performed as promised. Spent 2 months with Square being forced to troubleshoot their issues with my time, and repeating every time you call in. Square offered the bare minimum resolution each time, which in turn lost me revenue every time the register was used for 2 months. After square's refusal to offer a reasonable resolution that didn't involve me wasting more of my time trying to fix their problems, I requested a to refund and was completely refused and ignored. After placing a BBB complaint, I received a laughable message from the square complaints manager, which refused any resolution, but requested I contact them to discuss further or if I had concerns, which I did, and have not received a response back yet (it's been 6 months now, but maybe they are just busy) I strongly suggest anyone thinking to use this company, don't.

It’s bad people. They stole your money for no reason. I asked to talk to a supervisor. He said, "The supervisor doesn’t want to talk to you." They keep my money for over 90 days. For no reason I will never trust those people. To do it with regular bank.

Square deactivated my account without further notice, and without a reason! I believe this is due to discrimination and racism, thier staff are located abroad and they take decisions based on your color, race and name! If you value your money and business, run away from them.

Only getting one star because I had to to write a review. As I’m reading other reviews I see A LOT of people have had the same issue. My husband used it before, no problems. This time, they requested he send in invoices and other documents to complete the transaction. All that was requested, was submitted to them. Got an email this morning, stating they terminated his account and will release his $5900 in 90 days. Although they already charged my husband's client's credit card. So they keep our money for 90 days, for what?!?! Called customer service and they are useless as well. Not sure how they get by withholding people's money with absolutely no reason as to why!

They don't even deserve 1 star. Awful, Awful, Awful. I have been trying to rectify an issue with them for over 2 weeks, representatives are rude and unhelpful. Over 6 hours of phone calls so far with no resolve, managers do not call back and nearly impossible to get one on the phone. I have been refused a manager on my last 3 calls in. They are holding over $5000 from me without release until information regarding ** products are submitted to them, for products I don't even sell!!

They are changing me for a refund that I gave the customer. The payment never made it to my bank and when I called the gentleman refuse to let me talk to a manager. He told me he could not tie the line up while getting a manager. I was told he would have manager call me back and no one never called. Also I called back and they give you a number that only gives you the run around like texting but it will say someone will be right with you and after 10 min no reply. I will take legal action if they deduct $54 from my account and from this point on I will never use them again.

Stop!!!! Don’t do it. Find someone else to help you. Square is a big scam they. I started a small business a few days ago. I needed a credit card payment processor. I made a huge mistake listening to one of the sales representatives telling me that the process with this company is smooth and easy from first time small businesses that’s just starting up. Well yeah. I get all my information in about my business. They reviewed, gave me the ok that my account was up and ready to be used, so hey I really thought everything was fine.

The worst customer service in the world. They send you to a person that only texts with you. I made a mistake and charged a customer 630.00 for a 63.00 item. I immediately caught the mistake and sent him a refund and recharged him for the 63.00. This all happened within a 3-minute period. I got my billing for the show only to find they charged me 7.5 % on the 630.00 charge. I had total sales that day of 341.00. They charged me 25.75. Crooks. I would not recommend these jokers to anyone. You make a mistake, hit a couple extra zeros, not paying attention and they are gonna stick it to you brother. I text them and ask for one of the managers to call me. Their reply was like, “Sorry sucker we got you.”

Warning to Merchants: Be Careful with Square. Square has shown clear bias toward fraudulent customers. As a merchant, I experienced a chargeback situation where a customer bought my product and then fraudulently disputed the charge. Instead of supporting the business, Square sided with the customer and did nothing to protect me or investigate the fraud properly. This kind of behavior feels like a betrayal to those of us who rely on their platform. I’m deeply disappointed and feel that Square's policies open the door for scam buyers to exploit honest sellers. Merchants, be cautious—your hard work and income may not be safe here.

Stay away from these people. They used my SS instead of the business EIN and decided to 1099 me in 2018, now we are in the process of litigating against them for their shady practice and we have also reported them with our attorney general. Seek alternative companies. Stay away from these people at all cost.

Opened account at Square two weeks ago. Square Inc took our customer's money on Monday. Now four days later, square still has not deposited our money into our account. The worst credit card company that I have ever dealt with in 35 years of business.

Square Withheld My Funds and Offered Zero Accountability. I am appalled by the complete lack of accountability and service I received from Square. After purchasing a digital gift card through their platform—intended for use at a small business—they unilaterally deactivated the card and withheld the remaining balance of $171.00, despite multiple documented attempts to resolve the matter.

I own a catering company and previously, we've used Square at a different restaurant so I had some pretty positive experience in the past. I've even participated in beta tests and provided lots of feedback. Last year, I left the previous business and opened my own cafe (franchise) and started to do catering for the corporate brand of the franchise. We found we needed a POS to use at street fairs and events as well as for invoicing for catering so I set up a Square account and accepted a catering order via the invoice system.

Square abruptly closed my verified account and is holding $200 of my hard-earned money with no justification. I complied with all of their verification requirements, used the platform properly for legitimate transactions, and followed every rule. After contacting customer service multiple times, I received nothing but generic, copy-and-paste responses. No one could explain why the account was closed, and no one would help me retrieve my funds. I have been completely stonewalled with zero accountability from Square.

Would give no stars if I could. Shady business all around! Stole $600 from me!! Wouldn’t recommend them to anyone! I find it irritating how they can pick and chose who gets the money even though it’s your money and not theirs! Don’t use this company. Go with someone else!

My experience has been horrible with the Square app which they call square.com and also squareup.com which makes things even more confusing. To launch my own retail store, I started answering questions and in fact, there were so many questions that I was suspicious of why they needed this information. In fact, I suspect, although I do not know, that somewhere in their terms of service they can sell this personal information, otherwise why do you require so much information abt me? I stopped answering the questions but had already input my credit card info. I had 7 days to cancel before I would be charged.

Square has non business even being in operation. I have several businesses and one where I have had my sweater account for 8+ years. I have a newer business for my tea and I have an entertainment company. My square for the entertainment I had a show and had 1300 that I invoiced and was paid. These people deactivated my account and told me they are holding my money for 90 days and then somehow for my Tea company my payments for tea that came in they are holding it for 90 days and deactivated my account saying that they can’t support my activity which is bull.

Terrible service, just keep passing to other people. Julio is the guy just waiting my time and not helping at all. Seriously need to train their staffs! We should have better company to replace this disappointing business.

They stole 1300 from my customer. I refunded a customer 1300.00 and according to Capital One Square TOOK the refund back but it is nowhere to be found. Customer service SUCKS. Most can barely speak English and every transaction I do they “review “ my account and hold the money for DAYS. They are a bunch of crooks. I am considering suing.

WHY WHY WHY is Square still running business? The FBI NEEDS TO SHUT THEM DOWN. They are a scam. They closed my account with no Reason or explanation. CUSTOMER SERVICE IS NOTHING MORE THAN A SCUM. I spent hours and days trying to speak to a supervisors, but they kept giving me the runaround. Very rude and arrogant. Plus they lie. Supervisor said he could not locate my account with my legal name, business name and email. Seriously? But I'm Still getting email offers. Plus the agent who answered my call pulled up my account immediately. This tells you the level of mediocrity. He simply lied.

Just like everybody else, they are scammers. I got a payment from a costumer for 2,700 and they deactivated my account for no reason. They will hold the money for 90 days, I have the option to give a refund to my client but they will still keep 90 dollars for the process fee. They are trash, and their costumer service is horrible.

Square closed my account for no reason for my limo business and now we’re holding onto over $3,000 of my money for the next 90 days! I only had an account for a couple weeks and never had a customer issue. This is a scam!!! Avoid at all costs.

Although I read a lot of bad reviews about the Square, we trusted Square as we never had any issue until recently. I was on call for straight 9 hours to resolve 1 issue, but no help. They hung up on me. As a manager of restaurant, they didn't help me and I had to bring my owner on call while he was on vacation to other part of world but they hung up on us after being on hold for 30 mins+. After that, when I called back, they transferred my call to almost 5 different department but at last customer service representative, named Sophie literally said, "I CANNOT HELP YOU OUT OR CONNECT YOU TO MY SENIOR. THERE IS NOTHING I CAN DO". Never have I experienced such a worst customer service in my entire life. Definitely switching to other POS for all my business soon. SQUARE ACTUALLY SUCKS BIG TIME.

#Square is stealing money from customers!!! Get the word out! Stop using their services! Read TOS 12&13! They can shut down your account, withhold funds at anytime for any reason they see fit! They are scammers, scum of the earth, scamming small businesses.

This company discriminated against individuals like myself. I own 2 businesses and have used square for over 10 years and they have never offered me loan, yet the two broke guys who aren't even business owners get loan offers all the time. Both are **. I guess because I'm not or my name doesn't reflect that they chose not to give me a fair opportunity to receive or be eligible for a loan. My credit score is way higher than theirs too! The only reason is discrimination.

I would give no stars. They are trash. Money stealers. First payment I got they deactivated. DO NOT USE FOR ANY REASON. My account no reason and are now holding my money unlawfully for 90 to 120 days and that's crap. They won't give any explanation and ask for way to personal information including correspondence between me and my customer. That's not legal.

I would not ever in life advise anyone to open a account with this company. 1) They are not a bank yet they hold your money as if they are but longer than a bank. 2) The reps lie, I have been waiting since 02/07/2025 for a supervisor to call me, I was told that it would be 2-3 business days here it is 02/14/2025 and yet to have talk to one. I have sent paperwork more than once to prove I am a business owner. I have had a payment from a customer returned to them for no reason. Just because is not a reason to make me lose money. I am currently about to bring charges in court due to them not being a bank yet going beyond the powers of a bank. If you want your business done right don't even try them it will be bad!

It's a really good system (slightly expensive) that recently completely screwed up our organization. I am going to look elsewhere. It's the IMPOSED IDIOTIC 2-step verification crap. We have more than one person who needs to sign in. But with the code going to only one phone that's difficult. So STUPID, Square. Dumb, Dumb, DUMB!

I have spent hours with customer services at Square, Worst experience ever, very unqualified personnel, no answer to any of the questions I raised. If you ask for any other assistance, you will be told that it will take few days to have someone reach back to you.

They apparently can pull money from your account without notification! I own a plumbing and heating company. If a customer for whatever reason thinks they were overcharged, Square credits them back. Not even asking the company what happened or how much was spent on materials that I PURCHASED! They took a total of $7135.00 from my account with 0 notification! You can't get a straight answer from the customer service agents at all. They tell me 2-4 weeks while they investigate the circumstances then I may get the money back. Meanwhile, I'm out the $4876.00 I spent on materials that's in the customer's home. Square is the worst company ever and I can't see how this is even legal!

Their customer service representatives have no idea how the site works or is supposed to work. I spent 4 hours today passed from one department to the other, none of whom could tell me why folks entering my email subscribers popup are not being flagged as subscribed in the customer directory.

I love using Square. Although them charging to link appointments. I’m sure it costs them nothing for this feature. They are already making money off each transaction so some more scheduling features should be included in the free scheduling.

One star is generous. If I could give negative stars, I would. Square has been holding my funds for months and keeps giving me the run around as to why the funds haven't transferred. How can a business like mine survive if we can't get paid for sales? Can you say FRAUD? I finally filed a fraud complaint with the Federal Trade Commission. Their behaviors are criminal. Steer clear.

On12/30/24 I took a payment for 1200. Square already took their 35 fee. Now for the last 3 weeks the deposit date to my bank account has changed. When I call they keep putting me on with other people making me re explain things and will not under any circumstances talk to a supervisor an now they deactivated my account. Somebody please help...

Absolutely horrible. Frustrating. Complicated. Will have you going in circles. Wish this place would get sued. I regret trying them out. It's too bad companies like this get away with half the things they do.

I was so excited when I learned Square was going to build a restaurant platform. So I wish it was not so... I have been having nothing but problems, I have not been able to use food printers in 5 days so food items are not printed to prep stations. With having to hand deliver each ticket to the kitchen from the dining room causes delays, lost tickets, and improper prep....

Honestly, I found this site to share a review of my experience. I nearly gagged at the 1.1 rating for Square. Not much more needs to be said as the service of Square is absolutely awful across the board. My "I'm done" moment is that I tried 3 times to get them to increase my Bill Pay limits since I often have bills larger than their $5k limit to pay and was tired of chopping them up into a ton of smaller pieces to use the service. They simply decided that "I didn't qualify" with no context and that was it. Save yourself the pain and pay a bit more for a better payroll experience. Never want to use any of their services again, I'm that frustrated.

The worst service I have ever experienced. I had so many issues with them. They are slow, not flexible and hard to get your stuff done. They ask so much in fees and deliver nothing in return. Extremely stressful engaging with them. I had to lose my account 'cause I changed my phone number and couldn’t verify my business no more. They did not give me the opportunity to use my email for further verification codes or just to update my new phone number. They told me there is nothing they can do and I should create a new account with another business email (which is insane because I do not have a second business email). I am so glad I do not use their poor quality services no more. I can now easily proceed with e transfers directly to my bank account without having to pay them ridiculous fees for each transaction.

Square does not issue all refunds. I order online and shop with square card. I do not receive all refunds. Also if you are with square watch your balance carefully because they have a way of manipulating your funds. You can have 1k, make no transactions and watch how square slowly but surely eats away at. I have to find another company. Square is not honorable. If you pump gas with card it will say pending $100 however you only pumped $50 in gas. Pay close attention to how square manipulates that some cases you may not get the remainder $50 back. I do not recommend square. They are stealing from their customers

I am trying to claim Payment Card Settlement and they want 2004 through 2019 Credit card numbers. I got all the numbers from other Merchant processor I worked since 2009 through to first half of 2013. I work Square 2013 through 2024 and I need Visa and Master Card Statements but Square only provides starting 2022. I paid over $70000 merchant processor fees to Square and I am entitled to get most of them back but since I don't get numbers from Square, I can't. I talk to Square Supervisor, she just apologized for inconvenience. I told them thousands of your Merchants will be affected and they will come back and hit you hard if they don't get what they deserved and received another apology.

Slow, negligent and ineffective customer service. So many issues and features that don’t work properly or thoroughly and you can’t get any help with anything. To call in it can take hours of being passed back and forth for a simple issue and email support does not respond and when they do they can’t help… but now my business is so wrapped up in everything square and I’ve invested $1,000 on equipment, it will be such a headache to switch everything over - gonna have to ride it out until a slower season when I can build a new website and set up new scheduling software to something more equipped for a spa/appointments based business. If you need more advanced infrastructure than simple point of sale, just look elsewhere. You won’t be able to get support unless you can make calling them a full time job itself…

I had an issue with an “automatic gratuity” addition of 15% to multiple invoices. This issue was brought to my attention by a diligent client, as I do NOT ever add a gratuity to any interior design invoices. ANU, my Customer Service Rep from squareup.com was on the phone with me for 1.25 hrs., attempting to assist me in REMOVING the option for ANY gratuities on ANY invoice sent via Square to my interior design clientele.

Manager Harmony w/ Square is Rude & Horrible. Manager Harmony w/ Square gave me the most humiliating, insulting treatment today. She was attacking me, rude, cutting me off, dictated when to move to next question without finishing prior, didn’t let me speak & hung up on me. I generate $201K in sales yet Square raised fee from 2.9 to 3.3% on virtual invoices transaction which is what I called today to resolve & got humiliated instead.

Worst company ever. I do not recommend their service, nothing but problems and horrible customer service. We took a payment from a repeat customer, they said it was a fraudulent card, had to issue refund to our customer, takes seven days for refund to be issued. Our customer was very unhappy. Nothing we provided would convince them that our customer was not using a fraudulent card. We have canceled our account with Square

I would leave negative stars for this one. They deactivated my account after I took ONE payment from a family member after completing services for them, didn’t and still won’t provide me with a reason why. When I asked for a manager they said based on my “status” I couldn’t speak to one. From the one payment it took, they are continuing to hold the entire payment hostage for 90 days. Then, even after I removed myself, they continued to send me marketing emails. Then today after being deactivated for at least a month, I got charged for their text services and something else I never even got the chance to use.

A walk in customer paid with a credit card, it turned out it was stolen as Square claimed!! They blocked my account and even the payments that were not in question! They forced me to refund the stolen card payment to release the rest of the funds! It was a big mistake moving to Square! Just don’t buy their poor service.

I have been using Square for many years. Recently they put my account under review and have been holding my invoice payments over $3000 for many weeks now. It hurts small business that needs to pay employees and rent. NOBODY ever contacted me to let me know or ask any questions of me, no phone call, text, or email. I called customer service to find this out. Nobody on that review team can be contacted. This is outrageous. I now see how many horrible reviews Square has and I understand why. I will be changing all of my billing soon.

I created an account for my business and was entering all of my information, and then they tell me that they declined my application to accept credit cards. Now, they won't even let me deactivate my account with them. What a bunch of garbage! If I could give zero stars, I would have.

So I placed an order through a highly recommended small business for a special gift for my significant other. So a week later my package still had not shipped. No updates at all. I tried contacting the business. But magically all their contact information was removed from their account. So I found their email in my order receipt. Imagine that... Their email suddenly doesn't exist either. So I contact Square. The customer service agent literally told me It's not their problem, they can't help me. I need to reach out to the business. I told them I've already tried that, and she told me to wait for their response. Because it's not their problem. Told me the only way to get my money back from the now bare website I ordered from was to dispute it with my bank.

Square refuses to offer zero protection against scammers doing chargebacks, simply saying "that's the cost of doing business". Frankly I'm tired of using a platform that does nothing to cause us to lose both funds and product.

This is the WORST company with the WORST customer service. I spent SIX HOURS today trying to solve a simple problem, and after 19 customer reps, I realized I was working with incompetent, uneducated humans. I stopped using their services and went to PayPal, where a real human from the US worked out all my issues in ten minutes.

Setting up my Square online menu has been the worst part of starting my business. Every video tutorial has a different layout than I have, it goes so fast that I can't keep up and the support is a joke.

I use Square to cash my work checks. My recent check went through my money was added to my account and then 10 days later square takes back my money and says the check was blurry. I have been calling, emailing everyday trying to get this resolved. I have submitted new pics of the check customer service says this issue needs to be submitted to a higher ups but the claim isn't submitted instead I'm lied to by every customer service rep I talk to saying they will submit my claim. I'm being punished for square inadequacy if the check was blurry it shouldn't of been approved I should of gotten an email stating so and to resubmit a better pic not approve it then take it back days later.

Square transferred $500 of mine to a closed bank account. After catching the mistake I contacted customer service and was told to add the correct bank account and the funds will instantly be transferred in 7-14 days. I waited, nothing happened. I contacted them again and was told to provide a transaction number showing the funds were sent back to square. I did that, nothing happened. I contacted them again and was told I needed to provide the bank manager name, email address and a letter stating the funds were sent to square. I did that, and was told an email could not be accepted as a letter. I had to "get a physical letter from the bank and take a photo of it" and then email it to square. I did that, nothing happened. At this point, I think its a lost cause. What should have been a simple correction has turned into months of back and forth. Square will steal you money plain and simple.

I have been using Square for a while and they are "ok" in their customer support, but in August we signed up for Square Payroll and I cannot believe how much time and stress this portion of Square has caused me. They didn't pay a State FMLI tax that I authorized them to pay. They told me I didn't authorize them. I sent them the screenshot of where it was authorized. They then gave another lame reason they didn't pay it. Then I found out that they reported 0 wages on a quarter that our company had over $3800 in wages. They don't seem to reply to my emails with all me attached documentation. They are a big problem and do not do their job.

Before you get square, please search for other pos. I regret using them as a pos and whenever problems occur on their end, they never take responsibility. They didn’t do their job which was filing unemployment tax because they do payroll, they took no responsibility and I got stuck with having to pay the state $1250 in penalties. They took more from card sales than what they said they would in their contract… Good luck trying to get proper service from customer service support.

This was the worst experience with any company I’ve ever worked with. I am a small business and am a vendor at large festivals, I use the Square however my money accidentally was transferred to a closed account. My bad, but it’s three weeks later and they can’t find it. I have given them letters from my bank stating that it was bounced back weeks ago And I talked to a person from Square every day for at least two hours mostly on hold. I am planning a trip down to headquarters to see if that helps me Thanksgiving is tomorrow and I have had no money for my holiday. I am extremely disappointed and panicked. I honestly think they’ll never find my money.

CUSTOMER BEWARE: DO NOT USE SQUARE SAVINGS AT ALL. It seems like a great idea because they take a percentage out and put it in savings and it's great... but I just went to take money out and it WOULDN'T ALLOW ME ACCESS TO MY FUNDS! INSANE. On top of it, there is no customer support around it. They just said my request is with the elusive "account team" that conveniently cannot be contacted directly. Don't do it, seriously. I have bills to pay, so this will also hit my reputation as a business owner. Absolutely horrible.

I am All Phase Plumbing Jr and this company stole my money and closed my account after one transaction. It appears because I’m a poorer company which is weird because they take their money from payments to companies from customers. So all I can figure is because we’re a small poor business trying to take credit cards. Discrimination against the poor and apparently allowed to steal from the poor.

I have used Square only a handful of times and I will never use them again. Long story short, I have 4 transactions totaling $700 and I am unable to transfer the funds to my bank because the account is under review. It's been under review for a year now and I have called every month and am told the same thing. A review usually takes 24-48 hours. It's been a year. Finally, after submitting all requested information to verify myself and the type of business I have, I received an email saying everything was reviewed and am able to transfer funds again. The review never got lifted however and am back again calling them only to get the same runaround of being told that the account is under review, and they will need to escalate the issue to their internal team who will get back to me with an email. With as many people this is happening to, I feel like there is enough information for a class action lawsuit.

If I could leave zero stars I would. I have had nothing but problems with this company from my information being stolen and hacked to poor customer service and them locking up my account (when it was me trying to use it but when I was being hacked they were useless). They shut down my Business page without warning me and told me it was because they weren’t sure of my identity. I’ve had them for over two years. I don’t know how this could be. I run my business to them and that’s about to change. I will be looking for a new company to run my POS system through as well as, my business page. Extremely disappointed. I would highly recommend looking for a different brand. This one is garbage. Gotta figure out what to do with the terminal that I spent money on that I will no longer be using.

I had the worst experience with Square Pay. The api is ridiculously difficult to use, and every time I try to make a payment, it just doesn’t work. It’s frustrating, especially when I’m trying to get things done quickly. On top of that, I keep receiving endless SMS messages that are completely unnecessary. This app is a total headache and not worth the hassle. I’ll definitely be looking for an alternative!

I started using Square in October of 2024 and had no problems for the first few transactions then for no apparent reason they held my money and are still holding it. Over $1400. Avoid at all costs! This is a fraudulent company! They are thieves. Plain and simple.

I don't want to get into too much detail because it's so frustrating. Just know this before you enter into doing business with Square. Their entire existence is just to rip you off, steal money from your bank account and finally they will attempt to steal you or your business identity. BEWARE. SCAM!!!

I’m extremely disappointed with Square’s handling of my account. After they deactivated my previous business account last year, I gave them another chance with a new business, hoping for a better experience. Unfortunately, they have let me down again. They suddenly deactivated my account without warning, claiming they couldn’t support my business needs. Even worse, they’re holding on to my funds for 90 days, which makes it impossible for me to access the money I need to fulfill services for customers who have already paid. This leaves both me and my customers in a difficult position, as they think their payments have been processed while I have no way to cover my costs or offer refunds.

On 10/30/24 I received a $6900 payment which triggered an account review. I submitted everything and was cleared. Square processed the payment so they could take out their fees, of course and then 2 days later I went to transfer the funds out and recieved ANOTHER review for the same transaction. This transaction asked for my ID which was just approved 2 days prior. After submitting my ID, I get an email saying activities in my account cannot be supported and they are holding funds for 90 days.

Our business, established in 2004, has used Square since they first launched. One of our long-standing clients, who had never previously raised any concerns, unexpectedly issued a chargeback for a 12-month service agreement using their AMEX card. Square immediately withheld the entire amount for the 12 months. We submitted extensive documentation, including signed agreements and email threads showing the client had no complaints about our services. Thirty days prior, the client informed us they were planning to close their business, so we offered an additional 30 days of free service and promptly halted all withdrawals. However, attempting to resolve this with Square support has been frustrating—they consistently defer to the bank, claiming they have no control over the situation. As a result, we're now in the process of switching to a different merchant service provider for all three of our companies.

On 10/30/2024, I took an ACH PAYMENT for $9,994.53, to have a security hold put on my account which I figured it was normal for the protocol on to have my ACCOUNT DEACTIVATED TODAY by email saying that, "Because of the type of transaction we will not be able to support your business, and you cannot get your money back for 90 days!" I am out of business before it started. My client is upset to no end, from their reviews I see people are writing the DEPT OF FINANCIAL PROTECTION CALIFORNIA. PLEASE HELP ME GET MY CUSTOMER'S MONEY BACK. REGARDS. Tyrone

If you're seeking a safe way to process transactions, look elsewhere. I have never had anyone request a refund until recently. I have an online written policy stating that if you cancel a pet transport within 24 hours you do not get a full refund because of all the research, time, communications, gas, transaction fees, etc involved with making that transport happen. The customer cancelled a couple of hours before the transport. I gave the customer a partial refund and deducted a very small portion to cover what was mentioned. The customer disputed the transaction to receive the full amount back. I spent time, energy, and never got back the transaction fee I paid to make this transport happen.

I purchased the Square Terminal from Best Buy a month ago and have been using it to run my salon business. Out of the blue, Square deactivated my account on Friday with no warning or explanation. I immediately reached out to their customer support, only to be told to email back to the same email and wait for a response by 5 pm that day. I never received that response.

Squareup seems to prefer restaurant businesses as all of their recent changes are for restaurants. I'm an artist. Today I discovered that 98% of my artwork wasn't showing up on my website because of the recent changes done by Square. I had to reassign categories for all 200 items because they don't care. There's no point calling them, they just don't care. I'll be moving my site in 2026. After 6yrs with them, I'm done. No, I do not recommend unless you run a restaurant.

So basically, I’ve been using Square for a few years now and what I’ve noticed is anytime a customer challenges like transaction rather there in present swipe their car you take the picture, you write the contract and everything at the customer files a complaint with their bank you will lose your money And there’s nothing about it so I will be cautious about using as far as credit card transactions because if a customer can challenge the transaction square's going to put the money on hold and they’re gonna refund the money to the customers bank and you will lose

Square is awful! It started out strong but then spammed my inbox with unnecessary information about loans, payroll, credit card offers. This is overwhelming and caused me to overlook one very important message about account verification - AFTER I had already been using the service. As a result, Square deactivated my account without notice and without remedy. They are currently holding my funds and I have no understanding of when or if I will receive them. Furthermore they were my only CC processing tool, so they effectively have also shut down my business. I have spoken to three customer service agents to no avail or cure. I wish I could tell everyone not to use this service!

Choosing Square was the absolute WORST option I could have chosen as a super small business. Their algorithms or whatever their system uses is nothing short of a bipolar AI program, the same system that will alert you saying your business qualifies for a loan, will turn around and tell you that you DON'T qualify after you've signed the agreement docs lol. This has now happened twice to me. The first 2 loans went great, paid them back, easy peasy! 3rd small loan they offered, I got prepared for that money, spent money on other products to prepare to spend the loan money on main products... All the sudden "YOU'RE NOT APPROVED!!!" Almost went out of business overnight.

The online shop sync and platform is very poor. Technical support is poor and limited. I've given 3 months of trying to set up the online shop and have had 0 progress with website having products available for purchase. A lot of time wasted. The pos system is fine for store front. I would not recommend Square to a business with plans to sync storefront and online presence.

I wish I could put -5 stars. WARNING!!!! Do NOT use Square for your small business banking needs unless you don’t want to receive/or have access to your funds for weeks at a time. I signed up for my Square account Monday October 7th, received an email stating my funds were to be available to me by the Friday October 11th. It is now the 11th, I have received an email saying my account has been verified… Still no funds. I contacted customer support only to be told that I must wait an additional 1-2 business days before I will receive my money. This will have a HUGE negative impact on my business. I need access to those funds to start on other business projects.

Do not use Square if you are a farm and need to sell product by the pound in an online store for products that don't weigh exactly 1lb, or are variable weight packages. Even though this appears to be an option and Square will try and make you upgrade to get this feature, this is not an option. Customer support is atrocious. Spent 2 hours going around in circles on the chat. Then finally called and spoke to a live person. They don't even seem to have brought meat at the grocery store themselves, or to understand that for meat and lots of other fresh items the /lb basis is not what is charged if the actual package weighs a different amount than 1lb. I had to explain 6 times what I needed.

They block your account for no reason and you can't access your money. Then tell you your account is under review, for no reason, and you can't access your money until they finish. We are seeking damages caused because we couldn't get our money for a job we were on. I'd highly recommend another platform to use.

I used Square to receive a payment from a customer. The payment went through but square decides they are going to freeze my account and not say anything. Customer service is horrible. They say they can hold all of the money in the account for however long they want. Horrible horrible app. DO NOT USE. I have had problem after problem and they aren't open on weekends. So if something happens on a Friday you're done till Monday. Just keep that on mind also.

Problem after the magstripe card reader read the credit card and the purchase was authorized the screen goes black and the signature page doesn't appear, transaction cancelled. No help from support other than to suggest uninstalling and reinstalling the app. Can't even give a feedback about it.

Our business has tried Square for one year and we are now moving to another provider. They can't do simple things like refund a transaction properly, there is zero customer service, and any issues are ignored and deflected by the only contact method they provide - a chat service. Stay away!

Horrible customer service for a new user, deactivated my account as soon as it was activated with no explanation. Customer service was horrible and could only say what the stock email said. In addition to deactivating my account they took the $$ from the credit card and are holding it for 90 days. It was a lot of money. What are they doing? Laundering money? is that how they do it? If they deactivated my account they should have cancelled the transaction. It's their way of making money, investing while the small business owner can't live.

I do not have a Square account or do business with Square. I've provided evidence atop evidence of a third party using my business site to collect money for appointments, as I'm writing this square done nothing to stop the situation as it's making them money. This is going on for over three years, my clients have to go through the hassle of claims from their respective banks. All square need to do is remove their payment option from my book online Google site.

Horrible customer service and policies. Charged a refund fee after forcing our company to refund them due to holding payments for hours. We cannot release products to customers while waiting hours for Square to confirm payments. Square customer service refused to refund the transaction fee after we refunded the customer. We lost both the customer and the fee due to Square. Do NOT use this company.

I loved Square. It's easy to use, lots of features. Except customer support. I used my square card for a purchase that ended up being a fraudulent company. I provided all the proper documentation. Square kept judging in this company's favor. There is not one person you can speak to in this department. This has been going on since Feb. It's September. Not one call, not one email, not one acknowledgment. Left several complaints, messages. Nothing. I closed my square and went to wix. I can not believe that Square didn't care about fraud, me, or even have the respect for me as their customer to talk to me. I'm extremely disappointed, and very angry. I will never use square again or recommend them to anyone.

If I could give negative stars, they truly deserve it. Apart from their fees being high, their services are below sub standard. I sent Square link for payment to a new customer. He made the payment and the app notified that payment has been received. Last time I had received a small payment through square and it was auto credited to my bank account so I did not really check. I thought I would get in my bank in 1-2 days. Even after 15 days, when I did not receive the payment, I reached out to them and they told me that my account is under review and I would have to re-verify my identity. This was only my 2nd transaction and I had already verified my identity at the time of creating the account. They told me after successful verification, they would take an additional 1-2 BUSINESS DAYS to transfer the money to my bank.

Horrible. The amount of time I've spent trying to rectify my issue is appalling. I had a Square reader years ago and loved it and the customer service. I typed numerous texts back and forth with the messaging customer service and went in circles without resolution. I have made numerous phone calls to get help...without resolution. I've been hung up on so I'm unable to leave a comment of "how did I do" afterwards. There is no one to help.

PLEASE DO NOT USE SQUARE! This is the worst company I have ever used for my businesses. Every time I charge a customer.. Square holds my money for weeks or months before release my funds. Customer Service doesn’t allow you to speak to A Supervisor! They are currently holding my funds for 90 days before releasing it to me. They deactivated my square acct. And won’t explain why and are now holding my money for 90 days without explanation. I was told that they don’t support my business (transportation), yet for months I’ve been using square.

Advertises products but doesn't sell them? My team triple checked the stand that we needed, found it on Square, added it to our cart, purchased it- then they upgraded us without letting us know to a stand that does not fit our current iPad. After being sent in circles, they admitted they don't sell the stand we need anymore... Not to mention, between them and Doordash- they keep blaming each other for the last 4 months when it comes to Square needing to integrate our DoorDash system... If we didn't already have the equipment set up at my space, I wouldn't have gone with their system but we are renting the equipment from the landlord of our space (Who also happens to hate square).

Can you believe that I am a Square customer for the last 10 years but for the last six years, I am trying to fix an issue that I am not a billing to call for my phone to square I can email them. I can do it online by chatting but I'm getting the same result how can I help you? I need for someone to call me back, then you will get an answer back by email or from the charting person that she can only help me either by email or by chat when I'm trying to explain to him that I need to be able to speak to somebody over the phone from Square but I cannot dial the phone number that's the square provide anything like that for already six years so you will ask me why I'm still with square did you ever try to get out from organized crime is the same thing trying to close that count of square, so can somebody from Square pick up the phone and call the customer back if you want me to call you back not on the Customer support: 1 (855) 700-6000

My Dr. uses Square for payments. I paid him $150.00 for an appointment with an HSA. Square put a hold for $300.00 on my HSA account. Then Square paid the Dr. $150.00 and left the $300.00 hold on my account. So, now my account is down $150.00 (paid the Dr.+ $300.00 (from the original hold) for a total of $450.00 now tied up on my HSA account. I have been in contact on a regular basis with my HSA provider and the Dr. The Dr. called Square and they told him there isn't anything they can do. I called Square myself and they were totally useless and told me to wait "for a while" to see if it drops off.

So today, after using Square for OVER A YEAR, all of a sudden, decided to "hold my funds due to a security issue". Now keep in mind, if Square wanted to ask me questions, they decided to wait until I, someone who uses Square for her EXTREMELY SMALL freelancing writing projects, had all of $15 deposited. It might not seem like a lot but to me, I worked for that. They had months to ask their "security" questions, but decided "let's wait until she gets a deposit". Then, I was upset, so I called their oh so helpful customer service. They transferred me to their even better security team. This man PROCEEDED TO LIE TO ME. He told me, rather assured me, that he "took care of the security issue, and I could expect my account to be open and I would have access to my funds in 2 hours."

This company puts a reserve on your account to protect your business from chargebacks, but the issue with this is I don't have chargebacks. They are holding 4066.15 from me and can't tell me where my money is. They are making interest off of my money and refuse to give me my money. I haven't had any chargebacks and continue to state, "It's to protect you from chargebacks." Lily, says, "I know you don't have any chargebacks, but it's for your safety." No, it's not. They are scamming people and making money off of this so called scam. STAY AWAY FROM SQUARE. I am a small business and 4066.15 that they are holding hurts. They don't care about protecting anyone, but making their pockets fat from the ones who actually work. I have changed to Riverside and suggest you too need to change processors ASAP.

This is the absolute worst place any business holder should use. I took a deposit for a j, job was supposed to be done over the weekend, I met my client use the app and without notice they flagged him for fraud. I spent hours on the phone with someone from a different country who told me they had no management. No supervisor to speak to. So therefor we had to refund the money. The customer doesn’t want to do business now and I just lost 6000 dollars. I feel a lawsuit coming.

10 years + using Square as our credit card processor. This has been an entire disaster! *Lacks security measures (our account has been hacked 3 times with a loss of $10,000). *Horrible customer service. (Near impossible to get CS on the line. When you do get someone, they are in India with English not being their primary language.)

I set up an account with this company to take credit cards for my construction business. It took me about a month and I set up an account with this company to take credit cards for my construction business. It took me about a month and I took my first credit card payment. They took a $15,000 payment from one of my customers and then sent me an email and said, "It’ll be 30 days from today until you get your money and you must do this. This is this before we can release it."

If I could give zero stars I would. This is one of the worst payment processing platforms out there and they should be out of business already. Their customer service doesn’t do anything to help a situation, I was getting paid via Square and the first payment they held it for a week, not too bad. I received a higher payment (bigger client) and they held it for 5 days. And never deposited the money. They made me issue a refund which prolongs the project by 2-7 more business days because they already took the money out of my client's account. If you’re in tech and you’re planning to replace companies like square let everyone here know!! If you’re looking for payment processing, run away from square.

I would give them zero stars if I could. I was using Square for my new business, and my business took off. After 8 months of no chargebacks, but an increase in payments they put a reserve on my account holding 20 percent of each project I was completing. I had customers sign a satisfaction letter waiving the right to chargeback payment, and saying I completed our contract in full also providing their Identification. At first they were holding each transactions 20 percent for 60 days from date I received payment. They had so much money of mine they actually caused me issues with clients because I didn’t have money when I needed it to purchase materials. Who can afford to not have 20 percent of a job done?

Service is ok UNTIL you get a dispute! 4 months ago, I shipped a customer's item out within days of receiving the order. The customer received the item (tracking verified). Customer filed a claim with his credit card and SquareUp notified me. I immediately contact a Square representative and provided the order, the payment receipt, and the tracking information. They said that they would submit it it and get back to me. I was quite confident that I would prove my case, it was pretty open and shut.

If I can give this company zero stars, I would. They deactivated my account and can't even provide an explanation why. Now they are also holding our funds for 90 days. As a small business this is really hurting us as we have also have overhead costs and need materials and trusted square for payment processing. Don't trust them as a payment processing provider. No help at all.

Whatever you do, DO NOT trust Square with your funds. This has been the absolute worst experience of my life, they are holding a very large sum of money from me and my business with no resolution/way of retrieving it. I have been sent on the roundabout for days with customer service and have now even been blocked where I can’t even get through. If you care about keeping your money safe and do not want your money stolen from you, under no circumstances should you do any processing with Square Invoices. They are frauds and the customer service is the worst I’ve ever seen it. I have never been treated this horribly in my life.

BEWARE of the Square debit card. If fraud is committed, square will not protect you and will not assist you with refunding any stolen funds. If they "escalate" your complaint, you will not receive updates, until you call and their customer service will alert you that they are unable to help.

We received this email from Square. "We’re sorry to inform you that Square can no longer support payments at your business due to policy reasons. Starting today, your account is deactivated." We called to find out what is going on. The support people said they were not allowed to tell us. We asked to speak to a manager to no avail. We replied to their notification email asking why they dropped us. No answer. Their action caused us difficulties. We had to scurry around to find another credit card processing firm so we can take charges.

I had a unprofessional customers service lady on the phone rude telling me that they didn't charge me twice when I was in the free trial period. I explained to her I was looking at my bank statement gave her the dates I was charged and she still was arguing me down telling me she didn't see the charge and basically called me a liar about the whole situation. I was on the with phone with her over an hour being patient for her not to resolve the issue and be rude. I don't understand how the company take people money and can't find the records but the bank statement doesn't give false information.

I have been notified of several disputes. I am blocked from my account records. I cannot get through to a human using the number posted on this site. The Resolution Team emails do not include a contact number. There have not been any responses to reply emails. This entire experience with Square has been difficult and unprofessional. I was with the company for one month, and have had many difficulties. Now, I cannot get in touch with them as their system does not work, numbers are invalid, and no one responds.

Morons, IT support is a joke. I paid for my domain and now they will not transfer it. It's on sale for $6000. They have blocked me and I can't change the IP address. Crooks!!! Stay away. I was going to use them for POS but I will ditch every service I have with them now. STUPID PEOPLE WORK HERE. VERY STUPID PEOPLE.

We WERE clients with Square for years, processed $1,000,000+ in sales and when we tried our first ACH sale with them they didn't transfer the money when they said they would, asked for tons of information and questions and basically held our and the client's $$$ hostage. Nothing had changed with our business situation and they already had the money from the client so it wasn't to prevent fraud as they already had his money...How could it be fraudulent? Canceling our account with Square as soon as this nightmare comes to an end and will share this with all of our peers.

AVOID THIS COMPANY. I am a fairly new business in the commercial equipment market. I signed up to transact credit card business with SQUARE in April. After only 4 invoices totally less than $5000, I received a long set of questions that needed to be responded while my account was disabled. They required a government issued ID, a selfie photograph, several months of my company's bank transactions and detailed questions about the nature of my legitimate business. These questions were replied truthfully. There was nothing out of the ordinary about my business.

About the chargeback (Dispute Case) - We got 2 disputes from the customers and they didn't even help. 1. Customer purchased the item from our store - worth $500 - and at that time we put manual card number and after that they opened the dispute said they never made this payment. We have the receipt with their signature and the information of the item. Square said that because we put the manual card number so they cannot challenge the dispute - It's ok, we accepted it and lost $500.

I simply moved money from my personal account to my Square account and it was held for fraud. And customer service is nothing about it and told me that I had to go through the dashboard and wait 3 to 7 business days, very unhappy with the service. They make it very difficult to do transactions in and help you in any way. Poor service.

Absolute WORST company ever! They are complete thieves and crooks taking and holding small business owners' funds claiming additional information is needed to justify a hold. When you try to contact customer service to see what is necessary they play games and never give a straight answer. Zero help or support.

Square customer service support is the worst I’ve encountered; expect to be transferred multiple times to different departments and to hear the reps repeatedly read from scripts that say they understand you. And expect promises but no resolution nor follow up. They had multiple system outages and issues during the week leading up to Mother’s Day that prevented customers from ordering online. And neither announcement nor support during that time. Square introduced system changes with incorrect data mapping on their reports, reported by users, and months later still not fixed with no fix date. Data error is being considered a feature by their product support team. I was offered no fees on $1000 of sales for my troubles, the equivalent of about $30. Insulting to say the least. I plan to change platforms.

Probably one of the worst PoS system when it comes to selling high-volume items. I do not recommend Square for anything that is high volume retail such as a Convenience Store. Let me lay out the scenario.

I run a website using Woocommerce and I have been accepting Square for years now. Several months ago, I received a notification that I can now accept Cash App Pay (Square) by just enabling the option. I wanted to give my customers more options so of course I enabled. Three months later and $5000 worth of transactions through Cash App Pay, I am told that those transactions were ALL VOIDED. I only found out as one of my customers reached out to me saying she checked her Cash App and the transaction was cancelled. When I called Square and waited on hold for at least 30 minutes, I was told that the only thing they can do is tell me to contact each one of my customers and retake the payment manually.

If you're a larger business with larger… If you're a larger business with larger transactions stay away from Square. They will hold your funds hostage while they do nothing for days on end with pretend investigations. We had a customer who made a large purchase. Amex even called square to verify the transaction was legitimate and they still refuse to release our funds. Their customer service is non existent. There is no escalation process they say there is but there really isn’t. It’s the same group of people at a call centre who have no authority to do anything. It seems square would just rather us choose another company who has the capacity to deal with larger businesses rather than to make our business a priority.

I been trying to verify my identity with my picture ID and selfie since April. This is the worst experience I have ever had in my years of. They send me the link and I try to use it and it gives me no response.