Square Reviews

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.

I used Square to process a customer payment. They processed the payment but now they won't release the money to me unless I complete a 20-question exam to verify my business including the invoice, shared texts, bank account review, business license verification. I've never had my company so investigated and notice that this happened after they processed the payment so now they have it and will charge me their fee even if I refund the customer's money. Why wasn't this verification process done before they accepted the payment? This is a scam company now.

First off Square DOES NOT accept online banking platforms and they require a bank account to transfer any money through them. Which makes absolutely NO sense to me seeing as how they are partners with Cash app. My entire experience has been nothing short of a disaster, I downloaded them on a recommendation from a customer that had owed me for some time and preferred the tap-to-pay option. It's been 3 weeks since and I STILL cannot get my money transferred. I don't have a bank except Cash app and so I thought I would have the option to get a Square checking account, nope. I called and they apparently cannot open a checking account over the phone, seriously? Why not? Some of the account specialists have been helpful but few and far between.

Square does not know how to solve problems then after demanding to talk to supervisor supervisor refused to talk to me and or address the problem. I have solved the problem. I will take my business elsewhere. What a joke.

AVOID SQUARE! First and foremost - Their customer service is terrible. I NEVER LEAVE REVIEWS, BUT SQUARE CHANGED THIS. Honestly, there are cheaper and superior option. The first place I would check is with your bank. A lot of them offer a POS of their own. My experience with Square cost me thousands of potential sales and cost of replacement with a new system. After using square for 6 months they one day sent me an email that stated they are unable to process payments and deactivated my account. No reason was given and customer service will tell you nothing. You have to go through the "compliance team" via email only and their responses are short, useless, and days apart. Please save yourself a future headache and choose another company! This is just a quick summary of what happened, but take it from a struggling business. Square is not on your side.

I will never work with Square again. My new business used square for all business transactions. Estimates, invoices, payments and receipts. After receiving a $420 payment for deep clean and smoke remediation services, I was informed that my account was being deactivated and I would not receive my payment for 90 days. Square informed me that my business did not follow their guidelines and I was high risk. Not only am I licensed and insured, I am also a state vendor. All business transactions were completed using their documents and payment links. All estimates were accepted, invoices signed and contract completion forms signed by customers. Payments accepted and receipt of payment sent through square. How could I possibly be high risk.

I am attempting to make a payment to my local hospital via Square. Square has an OLD credit card on file. After about 15 minutes of trying, I FINALLY got the square site to accept an entry for my NEW credit card. Square then came back and told me they will not accept that card (a master card from my Credit Union). After additional attempts, I entered another credit card and the payment was accepted. I have attempted several time to reach ANY customer service for CONSUMERS at square and have been DENIED. I don't have a square business account. After all this, I will NEVER have a square business account. What does it say about a company who advertises that they accept payments if they will not accept my payments and provide no resource to correct their issues (yes, I have way more than 100X the amount of the payment as an available balance in my credit union account).

Stole all my receipts, horrible customer service, won't help me recover properly, trying to steal my business license, and problems and bugs in their systems, won't work. Dissapoints everyone, very cheap.

Square's point of sale customer service is DREADFUL!!! It's impossible to speak with an agent even though they publicize a phone number 855-700-6000. Instead when you call that number, it gets you into a doom loop of automated messages where they're ending the call and sending you back into chat. THIS COMPANY IS AWFUL. I HAD TO PAY A COMPUTER CONSULTANT TO FIX MY PROBLEM WITH SQUARE. I wish there were good helpful alternatives. Silicon valley, please come up with an alternative to square.

Our business keeps losing money with all the glitches with square. Square does not show appointments, clients are frustrated with square, over all it has been one big disappointment. We are looking for new service.

Beware! I started using Square in 2019. On March 25, 2024, out of the blue my account is frozen stating violation of terms and conditions. I called Square, they informed me that the department that I need to speak with "does not have a phone". I requested a call back with an explanation, never received the first call nor email. On April 24, 2024, I still have heard nothing from them. In December 2023, I took out a small loan through Square. I received a notification on April 24, 2024, that my loan was in default because They closed my account and demanded payment in full! I seem to be one of the more fortunate businesses as I did not have funds tied up. However, I feel this is such a scam. The JP Morgan Gangster Banksters are still at it and nothing is being done. They even have an A+ rating on Better Business Bureau with 3,436 complaints. It is a very crooked thing!!!!

It takes up to 4 months to resolve charge backs. Yet the merchant has to submit evidence of validating the charges within hours. The client normally has about 10 days to validate the charges. So why does it take Square 4 months to resolve? You are out of both products and cash. Square’s customer service is nonexistent. I am seriously considering switching as an ant would be more helpful. I can’t pay a vendor to provide subpar service anymore.

Square is awful to deal with, zero customer service and don't care about the customer. They will try to scam you out of your money and frustrate you with a stupid chat feature that can not fix any issues. Don't trust Square. They don't deserve one star. Total scam.

Is anyone dissatisfied with the way Square handles Charge Backs? We send them all the documents and all they do is they say they passed this on to the bank or credit card company. If the charge back is accepted - and most of the time the charge back should not be allowed - Square says they cannot do anything; cannot find out why, don't even prove that they did their own due diligence; don't know if they actually passed the documents that we sent to the bank or credit card company. To summarize the way they handle charge backs are terrible! We will be changing to Wells Fargo or some other company.

This company takes the payment from your customers but will not release the funds without you paying more. It’s been 2 hours of me in the phone and being hung up on to get the so called manager who then rudely hung up on me when I said I needed to speak to someone else. Since her response was too bad! Whatever you do DO NOT use this service.

PLEASE DON'T USE THEM!!! On April 4, 2024, I opened an account with Square in order to start CC processing for my new business. On April 12, I opened a Square Checking account with them for the business as well. On April 14, we had our first 2 customers whose payments of $640 and $340 came through. Later that night Square emailed me requesting a photo of my ID and a selfie to confirm my identity, which I did at that time, no problem! On April 15, I was sent an email requesting that I answer multiple questions to further verify. They requested 3 months of statements from my business account. I called to let them know there would be no history they had a hold on the account. I was assured that I could use my "Account Ownership Letter" instead.

I run a business and can not have my funds randomly frozen with no notice. This is not going to work. If there is any issue with my account I need to know about it and get it resolved immediately. They are telling me that it will be at least 24 hours be for they even contact me to tell me what the issue is. I am going to have to take my business elsewhere. I am very disappointed with Square and do not recommend them for small business.

Easy sign up process (RED FLAG!) received a payment of $400 from customer and they decided to hold my funds and required me to verify. I answered the verification questions only for them to continuously send more questions. If verification is that much of a process it should be done BEFORE allowing customers to make payments!

If you are business don't use Square. They discriminate. Untrained staff that operate from another country. Use caution when keeping money in their balance as they can close your account as they please.

Whatever you do, don’t do business with Square. I’m a small business owner and Square closed my account for no reason and will not release my money. As I now read the other reviews I see I’m not the only person with this issue, as several other people reviewed Square about the same thing. They said there was suspicion of fraudulent behavior on my Square account. I sent them every document they requested, I have proof of my legal business and all of its transactions. No matter what we sent they still decided to close my account.

Absolutely the worst cart and support imaginable. We moved into Square Up in Nov 2023 and immediately had support issues. Worse yet reoccurring support issues that they kept telling us oh yes it is fixed and they were not. Spent hours each week on the tele with them. Even have some issues that they were supposed to research and get back with me on and never did. Don't walk but RUN away from this mess!

Worst of the worst. Random amounts of money being pulled from my business account. Can't ever speak to the right person. Bounces you from representative to the point you're on the phone for an hour and have explained things to several customer service representatives. Do not use them.

I own a small construction company and just recently started using Square, in the first week I’ve received over $21k in payments from clients that are currently frozen and under review for over a week now, I’ve spoken. To customer service today and they made me fill out a questionnaire that in my opinion invades mine and my client's privacy, including personal info, emails and address, I had not choice but to comply and they told me it’s now under review and I should have an answer within two business day.

Three UNWANTED Fraud Protection 48 hour WAIT WINDOW PERIODS to access my Square Point of Sale AS A CLIENT WHO PAYS FOR THIS OPERATING SYSTEM. HANDS DOWN THE WORST THING I EVER BROUGHT ON BOARD MY BUSINESS. Now it's experiencing a "bug" and once again I have lost out on thousands of dollars. Someone with the time reach out to me in Penn Yan NY after a failed arbitration and let's proceed with a class action lawsuit!

I have been using Square POS for my business for 3 years. This year has been the worse year because they have been questioning every single transaction that I process. I have had to submit documentation for every single transaction. If I do not submit documentation they will put a hold on all transfers. They have now started to question my relationship to those who make a transaction using my Square POS. Duh they are clients. I will no longer be using Square because this is ridiculous and an invasion of privacy on myself. Square can go directly to Hell. They are not the only POS service around.

Terrible. Customer Service is Ridiculous. It actually is laughable it if wasn't such a serious problem. Today, customer Service Manager, Dom, told me "You shouldn't rely on the terminal to give accurate payment amounts because it can differ from the "Dashboard"....."even a day later." Instead he suggested I go through EVERY PAST DATE of record from the Terminal receipt tape and compare it the Dashboard listed payments. Seriously???? Why can't Square list accurate payment amounts everyday? Why would the Terminal balance differ from the Dashboard balance? It makes no sense and he made no sense either.

Not a good business model, support is horrible. They will keep your money to force you out of business. Basically they told me to take perfectly legal items off my website. I refused. Please understand, I did not sell anything illegal on my page. Because I didn’t take the products off my website they started holding my funds. They eventually closed my merchant account but never returned my money. These were MY SALES! Because they did this it forced me out of business because I couldn’t access my money to buy new product. This is a very shady practice as they take your money and draw interest off of it while your business tanks. To this day almost a year later, I still do not have my funds that are legally mine. I can’t tell you enough that if you want to keep your business running, DO NOT USE SQUARE!

I do not recommend Square, they have been my POS provider for 12 years and when I first started to use them, they were fair and priced well. Over the years, I have seen them leave their initial small business customers behind and steadily find more and more ways to take money away from my business, even though nothing has improved beyond the way it used to work 12 years ago.

I tried to activate my account to accept payments on my website, which operates in the USA, UK and some European countries. But at the same time, I am not physically there now. I live 50/50 in two countries. SO they say that you need to BE in the right country to accept payments. That is, if your site operates in the USA, you accept payments directly on the site - you personally must be located in the USA. RAVE. (And when a person goes on vacation to another country, should he ask Square for permission?) I am attaching screenshots of the dialogue.

I was all excited about Square and even brought a reader from Walmart, got it all set up and everything! So first time I used it, I had a customer and went to swipe the card, and payment wouldn’t go through,,, I thought maybe I don’t know how it works, kept trying, and I was so embarrassed first time client, things supposed to go smoothly. So lucky for me the customer had Zelle so went with that, later come to find out my account had been CLOSED! I called and they didn’t know why, said sometimes after review it happens….but why get approved when you open the account & not approved when you try to use it…. Oh well. Will look elsewhere…

I'm a new small business and was excited to received my first payments. I had three invoices totaling about $2300. Square decided the payments were part of a credit card scam and were likely to be disputed. I provided all of the details they required and was certain they would find their initial decision incorrect. NOPE. They decided that their initial decision stood and required me to refund my customer. Now, I get to politely ask my customer - who I do have a working relationship with - if she can pay those invoice again using a different credit card processing company. This is money that I need in order to move my business forward AND pay my own bills. If I were looking for a credit card processing service, I would look at anybody else. My experience with Square has been a nightmare.

Complete trash! I received a payment from a client and they froze it for no reason. They said it was under review for fraud, to protect me!!!!, I gave my clients contract and everything needed. Mind you, this is a rental vacation business and they have to check in tomorrow. Every call they hang up on you in the middle of you talking. The manager told me “I can’t tell you how to conduct your business “ after I told her, "What am I suppose to do with my clients who are traveling abroad expecting to stay in a home." Very careless and disgusting customer service.

Let me start by saying that after four month of emails, calls and filing formal complaints with the BBB and consumerfinance.gov, I finally have my funds back from Square. I'm sharing this to help others in a situation where Square has (probably without any notice or warning) frozen your Square savings account so that you can not transfer funds received no emails advising of the freeze. I happily used Square for over a year with 1 or 2 transactions per week. Then in November my account was frozen without any notification.

...just to suffer unending fees for simple transactions. Customer information tucked away in hard to find places, transaction details hidden behind thumbnails that close only by setting you back in the search process. Switching customer credit cards on a per-transaction basis is as easy as deadlifting a two ton safe. Square sucks the joy out of being a small business owner.

Very bad experience so far, went through initial security and review process, only to receive our new bank card and we started receiving customer payments onto Square all fine until they held all deposits. We are a small welding fabrication business and this hurts small businesses holding our funds. Will be looking for new processing companies. Avoid Square and their predatory practices.

Bad taste in my mouth forever! I ordered on a Saturday 12-09-23 for the all in one terminal: within 15 minutes I cancelled due to my friends all saying it was a horrible and expensive service. I immediately cancelled my order only to be told it was already SHIPPED!! Monday I see a charge on my credit card of $323.71. I decided to wait until the terminal to arrive then send it back properly. I NEVER received this terminal. I called and at first the dude told me I had NEVER been charged. So, I asked if a credit had been issued and he said again that I had never been charged.

I started calling my credit card processor Square Sunday night. I did reach an agent but they couldn't help me. Basically she just answers the phone and tells you to call back Monday. Come back Monday morning. Told the agent what my problem was. The agent put me on hold, came back, said that after 20 minutes they had to transfer me to the banking or credit card department and they could solve my problem. I said thank you and instead of transferring he hung up on me and did not call me back even though he had my phone number!!

Not answering their phones and cutting people off. Their answering system keeps you going in circles and then hangs up. Their site rolled back to a closed account so the transfers are going to a closed account and the money is now in limbo with not being able to do anything. Just to watch things disappear and hope for the best.

Square has no dispute protection and as a provider that offers services, it’s very important to have this. $860 withdrawn for an extension install that the client wants to skip payment on. I have to wait 90 days

We had Square payment system on our store, they held $2,900.00 for no reason for 90 days on July of 2023 and today January 9th 2024 are still on hold and now they canceled our account, they keep saying that the money is on the way but it's not, they have blocked our number and will not talk to us to explain, this is the biggest scam company that exist. I know there are more people out there with this issue and can't do anything about it. You will lose your money if you even consider signing with them.

I have been with Square for a while. They are constantly changing things in their policies yet failing to notify their customers of said changes. They're stealing money from people when a dispute is put in place JUST to keep the money that the dispute is over! They're HOLD SALES FUNDS THAT WE HAVE TO PAY TAXES ON AND NOT GIVING OUR MONEY TO US! I have been fighting with them for WEEKS to get my money back for a dispute they keep closing because they don't want to issue the money back when the STORE cancelled the sale for me yet SQUARE KEPT THE MONEY! I have had several sales since and not an issue getting the money until today! Now they're WITHHOLDING MY MONEY REFUSING TO ADD IT TO MY BALANCE So I can transfer it immediately out of their control! They are ignorant! They treat their customers like trash! They over charge for the services that 98% of the time do not even work!

I have a business consulting business and I also provide notary and pardon services. My account constantly gets flagged for review and they're holding random transactions for months one at a time. I continually reverify everything they ask and it's always something. Customer service is no help. They just care about the fees they're getting. After reading these reviews I see businesses are suffering! Headed over to BBB for my next complaint.

I am a tattoo artist (self employed/own boss) & I thought I would be helping my clients by getting this HORRIBLE/UN-ETHICAL app “Square”. I got to finally use it with my customer that ASKED to use “Square”. *NOTE (THIS APP IS NOT USER FRIENDLY, EXTREMELY DIFFICULT TO USE AND CHARGE A PAYMENT) I’ve had NO MONEY & was finally excited to have money BUT when I did “instant transfer” SQUARE IS HOLDING ALL THE MONEY because they have to “verify” my Bank! IF I CAN RATE THIS COMANY ZERØ STARS I WOULD! Now I am BROKE and have to ask someone to BORROW money so I can PROVIDE for my daughter. Square! YOU GUYS ARE CRIMINALS & I HOPE THIS REVIEW MAKES PEOPLE NEVER WANT TO USE YOUR COMPANY TO AVOID HEADACHES LIKE THIS

We signed up with Square Inc to try a new ACH payments solutions protocol for my business, so my customers can make payments for invoices and billing, more easily. Square took the money from the customer and is holding it. They won't release it to my business or back to the customer. This is my customers' money, not mine! They won't give a reason or explanation as to why this happen. I have a service based business. We will seek legal action against Square. Possible Class Action? It's all over the internet about Square holding consumers' and business' money/ funds.

We sell ** for pets from reputable sources and they put a stop on MY MONEY being deposited into our bank account until forms from the ** companies were provided. They gave 5 days from the time of the email - not business days. I had broken my arm and was unable to do it until the 5th day. Once I finally collected the information needed and submitted it (on the 5th day) I got a response that they are STILL going to stop depositing money into my bank account. Money I need there to pay distributors. Once reviewed in 2-3 days, they MAY start depositing it again if they are satisfied. I don't even understand how this is legal. They did this to me in the height of COVID as well.

In November of 2022 we requested a corrected tax form. We provided the required documents. Square has acknowledged that we provided the documents and would expedite the upload of the corrected 1099K (in an email dated Nov 1, 2023). It took 9 months and supplying the same documents 3 separate times, waiting 90 days each time for them to upload the corrected document. It is now January 2024 and we still do not have the promised document. Meanwhile the IRS Federal Tax Court is ready to pass judgment in the amount of $32K, after 5 extensions waiting for this corrected 1099K. Why are we being treated like this by Square? Is it because we are Veterans, because we are ** or because the business owner is Disabled? We just don't understand what is happening here. Have others been treated like this, or is it just us?

Well, nothing new here. Square unreasonably holding people’s money. I think there is something illegal going on here, maybe they’re using others' money to invest/grow themselves. Which would be fine IF WE AGREED TO that. I know I never agreed for them to hold my money. I had a business pay me with a business credit card and they’re holding it for “review.” It’s a CC purchase from a business. How can that be faked…. Don’t use Square if you’re reading this.

Square is the worst customer friendly business I have ever dealt with in my 40 years of running a small business. They are all like robots and so automated that they have taken people and customer service to a new low. I was locked out of my business account as I was logging into 5 different computers to have my employees be able to accept Square payments. But because of the multiple entries, they locked my account for over 24 hours. When talking to the agent, they verified me as the owner but could not reactivate my account for over 24 hours. So, not being able to use their platform, I lost a lot of money due to their inability to be flexible and unlock my account.

I wanted to use Square, to keep track of my jobs, miles, tolls for tax purposes and other. I deposited a check via mobile that was a tax rebate. I'm verified thru Square, the check is pay protected and verifiable.. and yet it's been 6 days.. and no how if seeing in my account for another week I'm told. How sick is that? I could've drove up the street and called it in 5 minutes. Whatcha what you're doing folks. If you need your money it need to call customer service for luck. It took me 5 days to reach anyone at all and got hung up on. Then I got thru and I was treated like a piece of garbage. And they still have my money! But I don't! Thanks Square.

I am in a process of changing connected bank accounts. They are so slow. They really can't let go that 1.75% instant transaction fee. I hate this company. I have to find a better service that I can use.

I set up an online payment for contracting service using Square. My customer authorized $6000 payment. I was notified that the fund was to be withheld by square for up to 90 days pending on review. My payment platform was not supported according to the online chat customer support. They did not have person support, instead of Ai or chat online only. My money was still held by square. No phone, customer support to resolve the issue.

I been with Square almost 10 years. Use them once a while for photography customers. I just got a medium size payment for $300 from one of my customers and suddenly 5 minutes later probably Ai flagged my account and just closed it for no reason. Please see below the copy of the email, what does it mean to you that they will just hold your customer money for 90 days without explaining you why? There should be a law that the have to mention what went wrong so you can defend yourself. No they just make it impossible, the lady that spoke with very broken English said she can't access the info and not allowed me to talk to a supervisor since my account just got closed! I would not trust this company anymore, seems like 90% operation is not anymore in the USA and they can do whatever they want with your money!

I set up an account with Square to process payments specifically for Spa Finder Gift Cards. The account processes them seamlessly. I began in May 2023 and the funds never transferred to my account. I kept thinking I had something set up wrong and kept trying different settings and re-entering my account info. When I finally gave up and called them to ask for help setting up, they said they would have to refer me to another department higher up for review and they would email me. I instantly received an email stating my account has been deactivated. They stated that my funds will be released in February of 2024. (This was November 8, 2023).

If I could rate it zero stars, I would! My business is barely 1 month old. I signed up to use Square per a family recommendation. I am primarily an online business, but also plan on doing local vendor events, so I needed a type of POS I could use on the go. I set up my website right away through Square so I could start accepting orders. I processed a total of 3 transactions within the first week, all fairly small amounts as my items range from $10-$25. My first 2 transactions go great, money is transferred into my account the following morning.

Most of November 2023 Square Up have had technical / security issues that cause the system to be unusable. I had to pay $20.35 to transfer my money to my regular bank to be able to withdraw today due to another outage. On top of the $20.35 cents it cost me $30 for 5 gallons of diesel to make the 100 mile round trip to my bank. They had offered refunds for transfer fees earlier this month when they had other outages and I did not take them up on the refunds but this time it was just to much money in fees to tolerate, so I called customer support and the rep put me on hold while they asked a supervisor if they could refund me my fee and they declined. I have been using them for years but I think I might switch to another company/processor after this.

I had a Square account for over a year for processing customer CC payments. We have NEVER received a single chargeback. We changed the name of the firm and opened a new account. Within 24 hours Square asked me to verify the account. I did... We uploaded our customer contracts, all of the paperwork for the company registration with the secretary of state, a copy of my valid BAR Card, and my driver's license. In the morning I received an email informing me that my account was suspended and that this decision was final.

I have been a loyal Weebly (now Square) customer since 2009. It has come to my attention that Square has decided to cancel the service I had been faithfully paying for many years and forcing me onto a price plan that is at least double the cost. I get that prices increase but what is irritating is that there was no notification.

I have used Square for a non-profit for years with my Mardi Gras Krewe. Over the years the board of directors change annually so I haven't been the treasurer for some time. The problem is accessing the account I set up. I called customer service located God knows where that's located with ZERO results. Although I know the login as well as password, give the email address the deposit update, also the log in for the account, the account cannot be found. Customer service is ZERO help no matter how many times you give them the account information, set up, etc. Today I have to find another credit card processor. Square won't help nor do they care about retaining customers. Don't waste your time with Square!

In 5 years I had 2 disputes from crazy customers as a hairstylist. Square just gives them their money back. They do not honor your refund policy which I had listed. When you have a dispute they ask to see where it says no refund and I have provided that and twice they have refunded the money back to people that did not deserve a refund. I even showed photo proof of services rendered and everything and they do not care about you. They side with them every time. Other business owners I know have had the same experience.

I don't understand why they have 5 star reviews in a lot of platforms, I have been with Square for the past 5 years, they used to be good, lately they are getting worse and worse. My terminal all over the sudden is not accepting charges, I have small business, my customers can't wait 30 + minutes I call them to figure out why my terminal is not accepting their payments, customer service make me restart, sign again, factory reset, blah blah blah. Nothing works, they sent me a new terminal and it's worse than the other.

I got my square and set up my account. First time opening the app I got a notice that Square is having server issues. That went on for two days. When the app finally opened another error message stating that the reader failed to connect. I had bluetooth and location up, I had all permissions in place, I it lugged all the way in. 3rd day it finally recognized the square but still had error message "Reader unavailable: Secure session denial". So I called customer service. I chose the receive text message to open chat with customer service but I never received the text so I called back. I was on hokd for 2 HOURS!!! (See pics on all of these) 2 HOURS. I then decided to select call back option that the recording said over and over and over again.

Worst POS I've ever worked with. Hardware regularly shuts down, orders randomly disappear and best of all they have internal/external glitches that won't allow you to access the website, customer service contact number, take credit card or online payments during a lunch hour.

I am utterly disappointed with the Square Payment App and their deceptive practices! One major issue that everyone needs to be aware of is their ability to hold your hard-earned money in your account for a whopping 90 days for absolutely any reason they choose. It’s astonishing how they can hide behind their convoluted terms of service to justify this unjustifiable behavior.

I am writing to file a formal complaint against Cash App. I have been a customer for years and have always been satisfied with their services until recently. My accounts were closed without any further explanation. On July 5th, 2023, and August 5th 2023 I transferred Bitcoin from an external wallet into an old Cash App account that I no longer have access to. I know for a fact that the transactions all totalling over $364 were sent to the correct Square/Cash App Bitcoin wallet. However, I have not been able to access these funds for over a month. I have contacted Cash App customer support multiple times and have been given the runaround. However, it has been over a month and my funds have not been returned. I have also been told that I need to provide more information about my old Cash App account, but I no longer have access to that account. And I'm unsure which account it was.

I contacted Square with some questions about how the numbers on their reports are calculated. In particular, I wanted to know about the Total Collected number. The definition of this number from Square is: - Total Collected: Total amount collected from the customer. The total collected includes net product sales in a given period, tax, tip, Gift Card sales and other cash rounding adjustments collected from the customer. However the numbers do not add up when I do these calculations. Eventually they said that partial payments are included in Total Collected but not Net Sales. I asked where I could find partial payments and they said I didn't have any. So the numbers are out $352.68 and Square has no answers. They eventually told me the conversation had become unproductive and they wouldn't help me. Beware of trusting them with your money because they don't account for it properly.

Opened Square account to accept payment from my clients 1 month ago. Suddenly, they sent an email, saying urgent matter has come up at midnight. I logged into the account and saw they asked for fee agreement to be uploaded to recent invoice issued that night. I don't have access to the agreement at the moment because it is in my computer at my office so I thought I was going to complete this in the morning. 3 hours later, Square deactivated my account and said it was a "FINAL" decision. Seriously, you sent the email in the middle of the night and expect us to response right away? Plus, it is beyond ridiculous.

I am a business owner who unfortunately is in the same boat as many of these people and after 9 years of service, suddenly they deactivate my account and here I am 3 months later waiting for $9000 dollars on hold, 0 customer service and a huge headache, no response and no refund of my funds 3 months later.

After trying to get gas Square froze my bank account due to fraudulent activity. I was stranded at the gas station with no support from Square. I had to use personal funds to fill my gas tank. They refused to release my funds and said my account was under review. The card is only used at gas stations and hardware stores. Square is not even a real bank but a 3rd party between you and real bank. If you value your business use a brick and mortar bank.

Only had them since last fall, receiving payments with NO trouble. So far so good until we had a dispute with a customer about services rendered. We WON the mediation but still offered half of the disputed amount to the client to get it settled. This was 5/27 and it's now 7/31. He fulfilled their request for confirmation and we both agreed to the terms, Square put us through multiple agents, yes per other reviews NOT in the U.S. and reading from a script. Could not expedite his refund DESPITE both parties, us and him, being in agreement. A multiple week runaround, look elsewhere before signing up, Paypal was no better.... Just issued his refund, processed in two days OUTSIDE of Square. The other reviews are right, pay Americans on our soil, we'll pay higher fees, to those who are fluent in English and understand finances. PR Southern NH 27 year business owner.

I know that's too much to ask. I can't tell how many times a simple phone call for support turned into a headache of repetitive times saying one's email name phone and so on. Not even getting to the problem or less likely getting an solution. Ridiculous Square. Stop using and outsourcing out of country to people who barely speak and understand the language let alone can hear us speaking. So frustrating to use a company that is riddled with software challenges and service people who don’t understand English well enough—as a business owner I've about had it!

Our business had a Square account for over two years. We are a physician office that does online visits. We collected payments thru Square with no issues. Then without notice, Square set our account to pending and would not send us our money. Could not get anyone in customer service to explain why our account was pending and what was the issue after two years of using their services. After months of waiting for them to resolve "the issue" we were notified that our account was deactivated. When we asked what was the reason, the reply was that they couldn't give us that information. Square used to be great. Don't know what happened, but they have lost this customer forever! I guess they won't miss the hundreds of dollars in fees they made off of us for the two years they did let us take payments using their system. Clearly, they need to be trained in what good customer relations looks like. Good Riddance!!!!

I opened an account with Square last year, anticipating credit sales with the current economy. We are a 3 man crew, small business. When I tried to charge last week, my account had been suspended, because I did not use it within 90 days. Had to start all over again. Register, etc. Did my first charge on last Monday, and got screwed big time. They got my money, $3,500.-, for us a lot of money, our salaries and expenses. They have been telling me for 5 days, I am under review, we will send it tonight. NADA NADA!!! Their call center is in México, and their workers are trained to tell you it is coming.

I had a break in at my place of business. As a result, I had to cancel my checking account and get a new one. I immediately put in my new banking information to the Square POS and separately to the Payroll Banking info. The original processed payroll was returned by my bank due to the account being closed. I cannot process the old payroll because SQUARE STILL hasn't deposited my funds for the past 9 days. They have now shortened the time I have to process payroll in the future from 2 days to 4 days prior, and are threatening me to close my Square Payroll account if I don't reimburse them for the payroll they couldn't pull from the old account.

After putting a good deal of time into setting up an eCommerce site, Square terminated my account after the very first sale, with no explanation as to why. My site did not violate any of their published terms and conditions (I was selling Christmas-themed handmade wood craft items). When I called their support number, the automated system merely restated that my account had been terminated and there was no option to get through to an actual person to find out why.

I am a small business owner and decided to use Square as the credit card processor for my business. I took my first credit card sale on July 11, 2023 and Square held my funds with no reason except to keep saying my account under review? They asked me to submit my driver's license 3 times, link my bank acct 3 times, asked for the sales agreement and credit card authorization 3 times, asked me to take a selfie, the list goes on and on. I submitted everything they asked for plus the customer called in twice and asked them, "Why have you not paid this company?" I ended up after 2 weeks of issuing a refund to customer who is now paying cash. We had completed 90% of the customers' job too. I would tell any small business owner, "Stay away from Square, they will bankrupt your business." They should be investigated for fraud, criminal practices and held accountable. I am for a class action lawsuit.

For nearly a year, we have tried to get Square to fix a problem with the on-line menu for the restaurants system. When we change the availability for menu items, frequently the system will undo the changes, repeatedly! We have communicated this problem to numerous contacts at Square and the problem is still not resolved. (We get bounced around to various people at Square who are supposed to help.) Instead of allocating resources to fix the problem, Square is putting out new features. Unless you want to be constantly checking the on-line menu to ensure that your menu changes are still live, find another vendor. That's what we'll be doing.

I don't know why my account was deactivated. Other tech vendors use this platform yet you guys deny it and are now holding funds that I used with my business card. If you guys decided to cancel it why let the invoice go through just to hold my funds? This is unprofessional and I want reasons why it was canceled. After the payment goes thru a day later they send an email saying they don't support my business and now want to hold my funds for 90 days. Who's going to pay for the parts I already ordered? Legit thiefs.

I used my Square debit card at a atm two weeks ago. I let atm time out and monies returned to machine on a Saturday. Contact atm service. They told me what Square needed to do to return my cash l lost!! Square has yet to help me achieve my money mishap, very upsetting considering when I charge a client 100.00 for service I get 79.98 deposit into Square account and immediately Square gets its % for the service. ** I’m better off using a cash app and once I acquire my loss $, I will definitely be considering such! Be careful what you invest in. I'm at a low economic point and my lost funds again. Atm company said getting back simply required contacting bank, giving the case number and a code to file to reverse the transaction. Has went now two weeks of email following email yet no credit sucks!!!

I was selling on the app and I refunded my customer due to their app having issues. The customer had a pending refund that then disappeared. I contacted Square customer service 7 different times and was told 7 different things. Disconnected twice and told verbatim in chat "We will no longer be discussing this with you." The customer had a printout from the bank showing that there is nothing pending, only a posted amount.

They are the absolute worse company to trust when it comes to credit card information. In brief, they have allowed a fraudulent company to create an account with my company info and charge random credit cards. THEN denied the transactions ever happened, even though we had the receipts from the people that were scammed. PS NO CUSTOMER SERVICE!

Where to start. It seems this company makes it up as they go, holding people's earned money and not fixing bugs in a timely matter. Breaking interstate commerce laws for no reason, which is illegal. First they are holding my funds for 90 days because I offered a non-alcoholic tasting event - apparently, they don’t think events are a safe bet for sales and anything named such will send up an alarm within their service and no one in CS will be able to explain why they are holding your money. Cannot get an answer. Absolutely unsavory business practices.

I am launching my brand new startup this weekend and as part of that I was attempting to order online advertising. I have read other bad reviews of Square, so I cautiously transferred $100 into the Square checking account. I then attempted to pay for Google Ads using my Square debit card. They declined to payment and locked my account for fraudulent activity. Customer service says they need 2-3 business days to review and I simply have to wait for them to contact me. It's the weekend, so I'm stuck waiting. Way to go Square! You just lost a new customer on their first transaction for a very small amount of money. Thank god I was smart enough not to transfer my operating funds to Square or I would be unable to launch on time.

This company is run by fraudsters, got invite to open account with them, used Stripe in the past so said let's compare it. First setup process was impossible. Reader didn't work. Had multiple businesses to bring over. Tried to create account as corporation and solo proprietorship and it was impossible to add multiple entities under same profile. Also reader doesn't work, spent 3 hours with, tried to disable developer mode on the phone but it didn't work. Anyways did test transaction and got email that account wasn't approved with no option to reply. Tried to use support but can't reach anyone which is very unprofessional for size of company like theirs and money is now locked in the account with no way to contact them. Support says, "Try to reply to accounts team" but email says no reply!!!!

Square deleted our account after 4 years of perfect service on our end. They claim we do not meet their guidelines for acceptable businesses all-of-a-sudden, yet there are minimum of 4 other, exact businesses using Square in Austin, TX and over 80 in the State of Texas. We believe the discrimination is due to our support of certain human rights. DO NOT do business with discriminatory lenders like Square.

Hello Everyone, Please avoid this company, they are fraud. First they opened my account, validated bank, submitted docs, allowed me to create invoice and customer made payment, payment was successful, Square charged hefty fees and within few hrs they described my account, holder fund by saying will transfer after 90 days, when called answered was, "We will not give your money." And that was more than $2000, I have never seen such a fraud company, why it was allowed me to create invoice, allowed customer to make payment and when money came they blocked. Such a cheater fraud company. Don’t do business with them. And we are small business owned by women.

I thought this was going to be a great option for my business. Especially considering the high fees compared to some other companies offering the same services. However after I’ve taken my first 2 payments I’ve realized now just how terrible the experience is. Not only is it somewhat confusing to get my money out. But the customer support team does not make helping someone a priority at all. After having issues connecting my bank, I reached out to customer support only to be ignored after about 3 replies.

It seems like every three purchases people make on my Square account for home remodeling is always delayed by square putting a hold on the deposit. 100% would never recommend Square to use for any camp business. Any kind of anything they are terrible. If you need the money or if your company's money for payroll or something, they will not give it to you. They put on hold so they do not have to give you the money. I think it is a scam. Please go to Clover. I heard nothing but good things about clover and I’m transferring over there. I’m not gonna deal with Square anymore. It’s just a runaround and the ** they give you did you have to answer a bunch of questions and they hold your money. They won’t refund the people their money. It’s just a loop because I don’t think they have the money. I think that they basically hold your money because they’re using you for somebody else. Trust me they suck.

I have been using Square for about 2 years, I had a client who I had to manually enter her debit card information and the transaction was approved, however, Square decided to hold the transaction. So they wanted all this information so I decided let me refund the funds and maybe she could pay another way, well in order to refund the money I still had to answer those same questions, so I did and provided proof.

Worst customer service ever. in 30 min, they transfer me over 5 departments. None of them speak good English or are trained to ask the right questions. Just to get over with, they transfer to another department so they don't have to deal with it. So frustrating.... In the end, I didn't get any support.

Well to say the least I have had after 5 years in business a new base of customers that wanted to pay by credit card. I had used Square in the past but shame on me for not looking up reviews about this company. I have only had 2 charges so far. I am a contractor and will never have a chargeback. Square decided that my monthly limit would be $4,000/month and the rest they would hold 20% for 120 days. Are you kidding me. I am not even sure that is legal.

Square chose to deactivate my account on short notice. Once deactivated it was not possible to talk to a live person anymore. Only via email. It took 4 month to get my money back. Process was not straightforward at all and very difficult.

You cannot rely on Square to release balances on time. They say the reviews are random but HALF my transactions have triggered entire weekend long + 2 day reviews. Can't pay vendors if I tried! Support is entirely unhelpful and will simply tell you, in great detail, how useless they truly are. For any small business that requires paying vendors, buying materials per job, or frankly, ANYONE AT ALL, should steer 100% AWAY from square. There are better competitors out there.

I have worked with many Merchant Services vendors. Never have I had a company randomly hold a large transaction and request highly invasive additional verifications. As a small business owner, the funds collected are used to purchase the equipment and pay the crew for installations. Square seriously hampered my ability to perform the work needed and made me look very unprofessional with my client. I was forced to refund the payment to my customer and wait for them to receive it and then take payment via check instead.

I do not understand why they deactivated my account, which is not a problem for me at all, I prefer not to accept credit cards, however, they are holding funds, saying for 90 days, for what? The transactions are legit and real. The reasons they provided me are not clear to me, only clear to them.

We are a small family business that specializes in the cultivation and sale of gourmet mushrooms. We thought Square would meet our needs for handling card payments at farmer’s markets. Started an account and was able to process payments without any issues. Issue started when we attempted to link our Square account to our business bank account. First attempt failed. Thinking we may have provided wrong info, we tried again. While the second attempt was in process of being validated, we noticed that the Square app. stopped accepting card payments and required account activation. We also noticed the funds we had in our account had disappeared. Customer support was emailed, explaining the issues.

After using Square for 10 years, out of nowhere, they froze two of my accounts asking for more business information. I provided all information they requested. The next day they disabled my accounts and said all money was frozen for 150 days. I'm dumbfounded that they can "steal" my money that they also charged a fee to take. Frankly I can use any credit card processor and bank so cancel it but keeping my money - wth! Poor business practice and by all the recent negative reviews, something else is going on with them.

This company is a scam. I received a payment 8 months ago and still haven't gotten my money. They wanted personal information I would not share and it was unreasonable they ask for it. They closed my account and said they would transfer my funds to my account in 3 months. That never happened and I never received an explanation either. I talked to them on the phone and now they tell me to call back in 1 to 2 business days while the "team" reviews it. As far as I can tell they do this to countless people and the reason I think why is so they can accrue interest on your money. There's nothing you can do about it either so steer clear of this company if you want to get ripped off.

After receiving a payment from my dad to help buy my daughter's graduation gift they immediately suspended my account and ask for proof. I know this person and messages between us. I provided all info needed as well as proof. They then told me I can no longer use Square for my business and to refund my Dad.. This is discrimination and just completely uncalled for.. My dad has already put a check in the mail but for Square to do this after proof is uncalled for. I understand making sure there is no fraudulent activity but once proof is sent along with phone numbers, text messages and so on it should have been resolved! Beware if you make big transaction with your business then this company is NOT for you. At any time they can hold or close your account even if proof is shown! Very disappointed. No longer customer of Square!

This is the worst system you can use. They hold your money, they treat you like garbage, they hang up the phone on you. DO NOT USE SQUARE because if they will hold your money without reason and if you call customer service they will treat you like garbage.

We are a small ecommerce store. Square does not provide secure payment method for online payment. As soon as I connected Square payment method to our ecommerce store, we started getting lot of transactions than before. After 1 month, all of them reported payment dispute as those are done by scam people through Square online payment. Square did not provide any help on solving payment dispute. Their customer service did not respond at all and ignore our cases. Totally unprofessional people work on the customer service team. We ended up losing lot of money from those disputes. We immediately disconnected their payment method. We will never use it again nor will recommend it to anyone. Square is a very illegitimated and unprofessional business.

Terrible customer service and fraud protection investigation team. We are a small apparel manufacturer operating **. We tried Square for merchant credit card processing after using PayPal for the past 20 years. Started out easy and painless. Then we began processing transactions. Immediately they started flagging our reputable and repeat customers payments as fraud. It seems as if they wanted to just hold the money our customers paid for our product.

While Square is good for processing payments received for any CC or Debit card sale... DO NOT use Square when making check deposits! They will hold it LONGER than a banking institution would. I made a small check (mobile) deposit of $50 just to test the length of time it would take them to clear it. The check had already cleared our company acct. 3 days ago. Called Square and they could not even release it due to "different variables". When asked what these would be... agent noted "clarity of picture" (?), "endorsement", etc. etc. etc. Seriously?? So imagine if the deposit was of a bigger amount (which in that case I would understand... but this is $50 dollars!)... you'll be without the funds for longer than usual. I'll select another banking/payment processing entity to run my small business with.

Square is fast to welcome businesses aboard, to start holding onto your money and process your payments. But they're famous for deciding on a whim that you're actually not the right kind of business to use their platform, so they lock away your funds for 90 days and shut down your incoming payments. And will they tell you why? No. Will they explain anything? No. Is there anything you can do about it? No. There is no recourse. They'll just tell you that the user agreement says they have a right to do this to you. We have no idea why they've locked a significant amount of our revenue away until June, but they won't listen or reason with us on it. Disaster.

If you can afford to have your funds held in captivity for months and months and your account deactivated because they decided that the very personal information you uploaded isn't sufficient indentity verification, then go for it, sign right up. If you want to process cards and have access to your money that you earned, go somewhere else and don't look back. Run, don't walk away from these crooks. This is the second review I've left in my life, so you know I'm furious. They make it brainless to sign up, you breeze right through setting up, well, basically your whole business on their dashboard, invoicing, card processing, you name. It's a great platform. The people running it are the problem.

Whatever you do, do not use Square for your credit card needs! My company has been with Square for years with zero problems no charge backs never had any issues until two weeks ago. A couple of weeks ago my company did some work for a home owner and the bill was just a little under $5k. We took the credit card over the phone like we always have then a few days later I noticed that the money was never deposited into my account. I then called the homeowner to make sure he was charged and he told me his card was charged for the full amount. That same day I get an email from Square saying the transaction looks fraudulent and requested more information. So I did everything they asked for but the website would not allow me to upload the invoice. I tried to call them but everything is done through an online chat session.

These big companies are taking advantage of smb owners and keeping the money for an extended period (I had zero fraud/chargebacks on my account). Be careful because if you do good volume they will keep this money and use an "excuse" to keep it for 90 days - Don't bother with this SQUARE - and to top it off, a US based manager is harder to get in touch than the white house itself! They don't take calls, or handle cases - Square is going to go down at this rate!

I have a small website, and for a short time sold some CBD. Apparently Square does not allow this. So I have taken all cbd off my website. However, Square suspended my acct ability to transfer money. It has been months now of calling and being told my problem is being "escalated". Nothing happens. They don't contact me afterwards and I can never speak to anyone with the ability to solve the problem.

As a small business owner I decided to utilize the Square debit/checking account so everything was all in one. Wishful thinking on my part. Randomly yesterday, my debit card declined. No notice was given of my card being frozen via email, text or call. I call customer care and I am told that my account state is “under review” and that is why my transactions are declining. I am told I cannot expedite the call by 5 different CSRs. I have to wait 1-2 business days for someone to review my account and then it could possibly be frozen for longer. So, Square can lock my debit card, which I use as my main debit, but not allow a service that would allow me to verify my previous transactions to “unfreeze” my account. This action is criminal. Money in MY own account that I do not have access to at all. For people thinking about using Square, run for the hills. Square, do not offer banking features if you cannot give support where and when needed.

I have been a loyal customer to Square business for a few months, paying my fees, upgrading my invoicing and estimates, and never have I had a chargeback on any cards, never had any issues with payments, and have a 5-star company. Square randomly deactivated my account and is holding money for deposits made by my customers for services and materials and my own money and will not release my money to me until at least 90 days. I had to close my whole business down because I've changed everything to Square as far as paying my employees and part money all through them. I have lost so much money by not having my online store open and they still will not give me any explanation of why they are holding my money in the thousands of dollar range. I'm beyond outraged!!

Yes, it was super easy to sign up. I made my first sale and then was sent to review. They are asking for personal information about my clients. WHICH IS A HIPAA VIOLATION BY THE WAY! They were not given authorization from my clients to have their information released to Square. It seems they are doing fraudulent activity behind those of us who are using Square. Asking for personal and sensitive information is very suspicious. I had to purchase the magnet stripe ready for my iPad to run those credit cards that don't have a chip and they sent me an email that they are refunding me the money for violation of services and high-risk activity. Serious about ordering hardware! I think we need to do a class action lawsuit against square because after reading these comments they have caused a lot of businesses to be put in jeopardy and something needs to be done about it.

I am a physician specializing in obesity medicine/weight loss. My health coach collects payments directly from patients. A few weeks ago I decided to use Square to process credit card payments. Things were going fine, with funds being deposited into my bank account in a reasonable manner. Recently Square notified me that my funds (over $2300) were being held until 11 questions were answered. I reviewed these required questions and found them entirely unreasonable. Square was requiring access to my bank account to review activity and balances; they wanted patient invoices uploaded; they wanted patient information like emails, etc. I told Square this was inappropriate, none of their business, and would not provide them this information. I was told my funds would consequently not be released.

Square notified me of suspicious charges, all of which from one day, and all of which were fraudulent. They took 4.5 months to put the money back in my account temporarily. 6 months later they took it back. Some of these were known to be fraudulent from doing a simple Google search. Every time I contacted them I got the same result, they were escalating it to their disputes team and I would hear back 1-2 days. I never once heard back from them. It was only by checking my account that I found I lost the disputes. Apparently there is no appeals process other than engaging an attorney. The high fees along with this terrible customer service and their inability to know what is actually fraudulent make them a poor resource for handling your money.

I need to know why Square allows consumers to commit chargeback fraud, once they have our products and/or service. No Questions asked, and it does not matter if you have proof of purchase or not. You are out of money, product, and time!

INSTALL SQUARE AT YOUR OWN PERIL!!! If you are an honest small business that is dependent on getting paid in a timely manner THIS IS NOT GOING TO BE A GOOD BUSINESS FOR YOU. GS GIGS LLC is my business. I am a handyman that does all my work up front even buying materials first before charging the client including Air conditioners and or appliances then I install them. Only then do I charge the client. I have a total of 5 credit card paying clients which I have had for over 3 years. With a total of 22 clients. In 3 years I have had 0 yes that is a 0 complaints! 5 of those clients approached me about taking credit cards so I signed up to square and at first for about a month it was fine. Then out of the blue with no explanation they started holding 100% of my customers payments to me for approximately 1 week.

My wife and I run a business which has a trust account connected to Square. We signed up and had one of our client made our first transaction. Square put money on hold in March 2022 and still keeps it. We have called Square for a resolution and they keep telling us that their technology malfunctioned and they are looking into it. The amount our client paid was almost $20,000, which was supposed to be used to rent their home. Imagine the frustration when that rent wasn’t happening and Square keeps the money for almost a year!!