Square Reviews

I’ve used Square for about 2 years. Chose them after being charged fraudulent fees by the MERCURY Co., who eventually was sued by CHAMPS sporting goods and we joined class action suit (*got $64 back...of our over $680 losses...). So, having used Intuit Quickbooks charge processing and tired of monthly fees when we barely processed cards, Square seemed like a great alternative, no monthly fee. That is until after purchasing the POS tablets, readers etc. we discovered that some “charges” didn’t fund and showed up instead as “cash” sales (*which should have been impossible since we were only using the Square POS for electronic charge card processing sales, and another old cash register system for cash and checks). Pretty cut and dry, right? Nope.

I've used Square for several years, and I've noticed a real drop-off in customer service and responsible management in the last year or so. Basically, my advice for using Square is to limit the charges to smaller amounts ($500 or less), use the instant deposit feature (it's worth the extra 1%), and then move most of the money out of your account ASAP. They used to stand behind their merchants, but that's all gone now. Having been in business for over 30 years, my advice would be, that if you have a business that regularly processes larger payments, just use your own bank to process the charges - at least you know how to get in touch with them!

I had been using Square for my business for 2 years (a health clinic). Suddenly they deactivated my account and I could not process credit card payments. They had no customer service email or phone number available. I had to find an alternative credit card processor immediately. We have a high volume business. This is obviously an emergency when it happens. I still don’t know why they shut me down and it has been several days. Stay away from them!

I work in the music industry and own a major commercial recording studio in New York. Any customer can claim that they do not consent or were not aware of any charge long after it happens and there is nothing Square will do about it. My business has lost many thousands to faulty chargebacks despite providing square with:

Worst website I've ever dealt with in my life and to top that off there is literally no way to get a hold of an actual human being for customer service. It's ridiculous. Can I have an hour back of my life for even trying?

I have processed of 300k since Oct of last year. I had 3 chargebacks out of 450 Transactions. 2 Were resolved in my favor. One I did not dispute because a customer unknowingly wanted to cancel his service. He didn't call us or take the proper steps to cancel. He just called his card company without warning. Square deactivated my account and put me on a the MATCH list so I am unable to acquire new merchant processing for my business.

This service must have been thought up by a bunch of computer programmers who are trying to maximize profits at the expense of service and support. They charge top dollar for a bottom tier product, although the website is very pretty. It may work well for lemonade stands and such, but if you have large transactions and deadlines to meet, steer clear.

Don't ever mess with donations to a charity. I was running a bake sale, and people used their money that was supposed to go to a charity in my local town. Square is selfish and unprofessional. I am missing over $500! Your guys need shut down!

Square is a corporate machine that does not add human element to their algorithm. I have processed 500,000 dollars over the last 3 years. Last night they denied a payment from a customer. The payment was approved they just said under review. Told me they needed a profile done. Had to answer several questions. Had to send an invoice. Had to send my i.d. Surprised I did not have to take a drug test.

Square works if there are no issues, but once there is you will pay dearly. They can hold your funds or return funds to customers without you ever reaching a live agent to speak to. DO NOT USE THEM. You will regret it when you need them most.

Do not use this APP. They keep your money. They can go in system remove transaction. You better never let a computer be the finger behind your money. Don't use this App. Get Vemo anything else. @cashapp they are owned by Square. I tried to purchase through Zebit twice with two declines so I added more money from my bank account. The third time the purchase went through $59 completed. But on Zebit end they didn't accept it because they don't take cash app payments. I see why. So instead of Cash App putting my money $59 back on card they kept it.

I purchased the Square terminal and trying to connect it with my personal hotspot. There is no phone number to speak to a rep. I used the chat. I was on there for 40 minutes. The first person Mira was so slow and did not know anything, then Mark came in and he was the same. He said they will call me. How can a company possibly do business with people who have no training. I am so mad that I bought this terminal with this crooked company.

I used Square to send some money from my credit card to my bank account. I did the same day deposit. The full $30 was deposited from my credit card into my normal bank account. I then logged on to my credit card account so that I can pay the statement, and I notice and extra charge of $15 on there, that was sent to the square company itself. I went back and checked my normal bank account to see if I had accidentally sent myself $45 or something, but nothing. When I looked at the $15 charge on my credit card closer, it has Square's address and everything. So they stole money off of my credit card. That money isn't going into MY bank account, they took that extra $15 for themselves.

Ex-girlfriend that lost her damn mind. I did business with them for several years. Transactions ranging from $40-$75 or so. Once I billed a woman over $1,000 but she never paid it. Anyhow, a scammer contacted me and ended up asking for my largest package the gold and diamonds package for $3,500. They asked me to invoice them so I did. They paid it and then had "regrets" and wanted $3,400 of it back via certified check. I'd heard of the cashiers check scam where they send you a fake one but this was advanced as they had apparently stolen a card to send me funds with.

We have been trading for 5+ years. Had an existing merchant but opened an account with Squareup.com because of their promise of faster payout times. Account opened, ID check passed, bank accounts verified. The Square told us we were ready to accept payments. We processed to ordinary sales and an hour later was told our account was permanently deactivated and they were keeping the sales revenue for over 90 days. No explanation, no appeal, nothing. I would recommend every stay so clear of squareup.com.

Stay away from Square - read below the nightmare they are putting me through. I and my business were the victims of identity theft. The thief opend an account with Square in March of 2019 and made 1 charge for $495 which was fradulent, afterwhich Square put me and my company on the credit card industry blacklist which is known as the TMF list or Match list. They NEVER bother to contact me about the fradulent charge and never gave me notice that I was going to be blacklisted which to me is gross negligence.

Square was working ok for me until a client disputed a fee. Then Square sent me a questionnaire about my business and charging policies. I returned their form and got a deactivation notice the next day - from noreply@help-messaging.squareup.com. No reason. Just deactivated. I tried to go on the chat help to get an answer as to why my company was deactivated, and just went around in circles. Finally got a number to call with an identification code. That just put me to a recording saying my account was deactivated (duh), the result was final, and that if I has questions I should reply to the email they sent me. Hello?! The email address was NOREPLY@help-messaging.squareup.com! I tried replying anyway, and (surprise) got no response. Awful customer service. Good luck to you if anything happens out of the ordinary, I guess. Thanks to Square for taking my money and then running at the first dispute.

I've been in business for 20 years and like many people came to Square because PayPal was becoming a bit much to deal with. At first, everything was great. I processed most of my small transactions through them. Some bigger clients came through (5000$) and they shut down my account for being a "high risk." In short, there is no risk. They simply do not want to do business with anyone who does large numbers. That is their prerogative but with 20,000 passed through them and 3k paid in transaction fees I'm feeling a bit put out. I would say, look for someone else to do your transactions with. This company it seems has a habit of shutting down reputable businesses and prefers nickel and dimers.

At the end of August I wanted to buy a new payment Terminal from Square, and then I applied for the monthly payment and added half down payment for the machine and network cables. $400.00. I gave them the information on the website. Said no problem and no credit check needed, but it turns out that they do a check through TransUnion. Little I did know that they did, so after 25 seconds I was declined for the monthly payments. I have an excellent credit rating, but they wanted full payment upfront for the equipment. Luckily I did not buy the machine as it would have been 7 weeks being shipped out to me. They claim no credit check was required. So after reading up on this shady company I have decided not to deal with these people.

Square is a fantastic and easy to use platform. If everything is working smoothly, life is great. The moment, you the merchant has any problems, no matter where the problem lies, you the merchant will lose. No room for discussion and your account will be frozen for 90 days without access to your funds. Beware!!

For weeks now that we can not log in to our account. The system kept saying that we have the wrong password (which we never changed our password). Then they forced us to click " reset password" which they will send the new password to our email. The problem is we never received any reset password from their system (we even look at Spam folder, etc). So when we tried to call them or have a live chat with them, Square asked for customer code which we don't have since we can not log into our account. So basically, there's nothing they can do for us if we can log in because they failed to send us the new account password).

After having their service for 3 days and processing 3 payments, they deactivated my account and is holding my money for 90 days. Why? I have no idea. No explanation, no reason whatsoever. I have been in business for over 5 years, paid taxes every year....legit business. Now they close my account and steal my money. As a single mother of 3 working my butt off to keep my head above water, it absolutely kills me to be missing such a large amount of money. This is money I have earned, money that is not theirs to hold. How is this legal!? There goes our grocery money for the week....thanks for that square. Claiming to help small businesses? You screwed me. What a joke.

Intended recipient never got monies. Customer service nonexistent. No phone number to call. Suggested I file a dispute with my bank, which was then denied. Really really awful. DO NOT USE CASH APP. You cannot speak to a person, only a computer, and a very limited one at that.

As long as you are processing credit cards through them, they get paid and everything is fine. Once you need their assistance to protect you from a disgruntled client/costumer they pretty much fall back on their own rules and continue to play a game that cannot be won by honest business owners. Square is a powerful company but associates itself to side with dishonesty and is designed to serve themselves rather than serve their customers and allow the fair players justice. Cheaters will always prevail because as history shows...it is more beneficial to be crooked than to be honest and just. I am very sorry Square is advantageous and sides with the corrupt. How sad.

All of the reviews with 4 or 5 stars have never had to call Square, you cannot get a Customer Service person. Here's their number ** or try their 800 number and just see for yourself. You must have a code which you can't get. I had sales they never paid, so I called and never could get thru. Sent text, no answer. Sent emails, no answer. Worst company I have ever used and I have been in business for 30 years. Money is lost. BEWARE.

Never had a problem with this company until now, and I was SHOCKED at the abysmal level of customer service I received. Even contacting them is such a process, and it's intentional. When you finally get through, enjoy the person on the other line who has an accent so thick it's like talking to a brick wall. Just an awful company once you need customer service. Use a FAR superior app like Stripe, who isn't ((owned)).

Extremely unprofessional behaviour and values where you can receive an email from them saying your account is being deactivated based on someone assumptive decision about your business or company and it's not open for dialogue. Is this even legal?

Very transparent service. No hidden fees and the option to get a Business loan for small business owners! I own my business since 7 years and in the first year I been through hell finding the right company to process credit cards! I have been very satisfied ever since I started with Square.

The fluidity of Square processing makes for ones customer's purchases so effortless. When processing a sale, the short time it takes to complete the sales.....including sending our customers an electronic receipt, allows for very positive compliments from our customers. In fact part of their Referrals include educating their friends to pay for our services via credit card.

The Square point of sale is easy to use and they don’t charge you a whole lot of fees. They also make it easy to access your money in whatever way is convenient to you. I love that there’s no gimmicks, simple and straightforward.

We are a very small business and do most of our selling at Quilt Shows or Guilds. The Square has allowed us to take debit/credit card sales which has really helped our business. Because we only pay a fee when we sell something, we have been able to afford offering this service to our customers. I love being able to include tax in our prices and then have it separated out in the report for tax purposes. Rounding up or down to the nearest dollar allows us to plan the amount of change we need to carry with us as well as charge the appropriate tax without having to figure it out. Convenient, user friendly, prompt payment, a business booster!

We started using Square when we traveled the country doing vintage shows. We never missed a sale having Square. Now having a brick and mortar shop we look forward growing into using more of Square's products.

Square provides ZERO CUSTOMER SUPPORT. If you are a company that needs good customer service don't use Square. They will hold on to your deposits and not release for any reason. The only reason I gave them one star is no stars is not an option.

After sending them all the information and documentation they required, I was hung up on by very rude customer service rep named Maria, my account was suspended and they sent an email saying they were going to hold my funds $$4,725 for 90 days for no realistic reason. This company is a scam and good luck trying to get someone on the phone, they gave me the runaround for three days and the manager or supervisor doesn’t have a phone to receive call transfers and you will get the runaround forever. They will steal your money and then you have no recourse because more than likely you’re not in California and can’t just show up to their main office. These guys make the biggest thieves look like amateurs.

Customer service is holding deposits to my company which has been conducting business for 3 years. The deposits held are from a company in existence for over 60 years. After speaking to customer service I was told I couldn't speak to a supervisor as there "aren't any" according to "Jackie". She proceeded to tell me I just had to wait. The company charges almost 5% in fees to process payments and then treats their customer(s) in this fashion. Stay away from Square. PayPal or Venmo still offer much better and more friendly service to their users.

Square held over $50,000 hostage for 2 weeks, with zero help. I sell kitchen cabinets to other businesses, mostly contractors. One of my customers wanted to use their business credit card to buy the cabinets, so I bought the Square terminal. My account had my business name, address, Federal ID number, and personal social security number and address for verification.

Talk about a greedy company. Simply to add a customer's name and email after you have taken a charge - requires you pay about $30 per month - simply to add a name to a transaction. Also with the latest update, you can't sort by your employees without having to pay $30 a month. There was no emails sent out regarding this change - they just did the change. The lust for extra money from this company is unbelievable. Everything costs... Stay away until a better alternative comes along.

What I experienced with SQUARE after been with them for couple of years processing my sale transaction, I COULD WRITE A BOOK with all the issues that I deal with SQUARE but I'm just going to warn the NEW people. I am glad what happen to me made me realized that I was taking advantage of the charges and purchasing charges were constantly fluctuating to a higher percentage rate. This company will deduct money off your account without notice. They say they send a notice via email but they don't, they are LIARS and the WORST customer service ever.

2 stars because the system works well when it is connected. But over 50% of the off-line payments were 'declined', despite being less than $20, and there is NO RECOURSE to get our money back. Found it amazing that none of the online payments were declined, but mysteriously so many of the off-line payments were apparently declined by the bank (according to Square, had nothing to do with them). Are they really trying to tell me that many people don't have an additional $20 credit limit on their account, and only the people that bought things when the internet went down? Seems a little funny to me.

We were using Square for years with no problems or complaints. Suddenly, our reader stopped working. We logged into our account and found NO notices or communications from Square about any problems with our account. We tried to call customer service, but Square does that maddening thing where they don't publish their phone number until after you are forced to click through all the help topics online, after which they give you a customer code and phone number.

I have been with Square for 8 years now. I have never taken the Square Capital loan until 2017. I decided to do some remodeling for my business. My loan was for $ 3,400 dollars payable in 18 months. I paid the entire loan back in 9 months. Then in February 2019 I borrowed another $3,400 dollars. Same as above 18 month term paid it off in 6 months. Called to ask when I could be eligible for another loan. Thinking the decision was that of a loan officer in their loan department. I was quickly notified that Square has NO control on who gets a loan through them. A computer decides that the good old algorithm method. You are not chosen by your repayment history at all. You are treated the same as anyone else they throw offers to. An absolute disgrace to Square loyal customers. Looking into getting another processing company to do business with.

These guys sell themselves as easy to use. I signed up, verified myself, verified my bank account, issued an invoice for $2,500, which got paid, released the product. A couple of days later these shocks tell me that not only will they not release the funds to me, they also want to refund to the buyer! If you use these fly-by-night cowboys and get robbed, then you are not real clever.

I joined Square to facilitate processing customers' payments to my company on location. Square sent me the hardware/ magnetic card swiper. I called them & explained. They insisted that they sent me the correct one, & it has to be plugged into the standard phone jack on my android device. My device HAS NO phone jack so this hardware is useless. I told them that I had specifically listed my phone when creating my account. The rep told me that I had the correct hardware. Very frustrating. To add insult to injury, they suspended my account for unknown reasons so now I am unable to even contact them by phone ever again.

I have been in business for more than 10 years now, and I never had to deal with a bunch of unprofessional people in my life. First they don't even let you finish your sentence before cutting you off, then they sound annoyed if they feel like you asking them too many questions and when I asked to speak to a supervisor or a manager they insisted they don't HAVE any managers or supervisors. She even told me to call back to speak to someone else and when I did the a girl name Angel was giggling on the phone like she was speaking to other girl there name Kai. Square needs to stop putting children to do customer service. I WARN EVERYONE NOT TO USE SQUARE!!!! AND IF IT WAS UP TO ME I GIVE IT NO STARS.

Have a business that is thinking of using Square for credit card processing?!? BEWARE!!!

I made only one sale with this company and I updated some of my contact information that was incorrect on my account. Suddenly my money was suspended and I got a notice that my account was closed, without getting any email notification. They claim my account may have chargebacks, how? What a joke bogus company. When I try to call their customer service they say it impossible to speak with an actual live person. They are holding my money and they are not giving me any means of straightening this out. I'll be contacted my lawyer if I don't receive any emails back from them within the next week. This is straight up theft and awful business practices. From the looks of other reviewers I think a class action lawsuit could be something we hear about in the near future.

Was with this people robbers for 2 month then they logged me out and told me that they revoked the payment and wouldn't pay, unless I confirm my account. What? It was all confirmed already, or else, I'd have never been able to use them for two month. What is this? Scam? Oh, I have to add, the time that happened was because I had a better day and took over 400 dollars in sale in one day. Other times it was just below 200. What makes it worse is they are NOT answering email, keep hiding in their thieves burrow. Nice move, Square scammers. Fair Trade will take care of you and I'll make sure your times in scamming small business owners in Australia will be counted. I wouldn't recommend this Square pack not even to my enemy.

Square sends a beautiful white Mastercard have your business name and embossed signature. But, Square will not update your billing address as if people or even business never relocate. Instead you will have to close your account, lose all customer info, and open a new account. Also, you are unable to use Apple Pay, unable to use Android Pay, unable to cash deposit, unable to deposit to linked account, unable to get POS cashback, unable to do things their marketing department should have figured out before releasing to the public. This makes Square look bad. You may also find that other retailers and financial institutions do not accept Square Debit or will recognize as “not reputable”. They do not have FDIC so if their computer takes your money, they will keep it.

My brother and his girlfriend bought me a Square card reader for Christmas. I am a musician about to release an album and they thought I would be able to accept credit cards. I have an EP release party today and tried to set up my account earlier this week. This company's website is full of forums and "helpful" articles but good luck speaking to an actual person. I was not approved to accept credit cards. Would have been nice to know this after I paid for their product and a employer identification number.

Used Square for 3 years. Updated our website and started to finally make strides and growth. Since we grew Square wanted more verified info. Once we have them all government business documents and our IDs they froze $6k in funds and deactivated our account. Their email gave no reason why. Will be contacting a lawyer if funds are not deposited this week.

Square has cancelled my account with no warning and placed me on (match) list which makes it impossible to get another processor! They have done it to other businesses as well with almost no appeal or process to remedy this. They used to be solid and I had used them for years and out of the blue this? I have had other friends with business that they have done the same. I have formal complaints in with the BBB on them. They have no customer service and will run you around forever! USE AT YOUR OWN RISK!!!

Square unexpectedly terminated my account with no reason given. Customer support refuses to respond. Square is holding all of my funds for 120 days. Use Stripe or PayPal. I'm not in a high-risk business of any kind, nor was this any unusual type of transaction.

Do you notice that "they" Square employees etc. are keeping the 4 and 5 stars reviews at the top. So if you don't read from the bottom up you won't get the REAL story. Everything I read on there from the real public is true! I had to deactivate them at once the moment I realized you will get nowhere with them and the runaround and inconsistencies. The best thing to do is remove your bank account from their website and follow up with an email so that there is proof and a time stamp. Then go see an attorney. Hope this helps folks! Andrea

I processed thousands of dollars with this company. They put my account on hold months ago and I have never seen any of my money. If you look at other reviews by other companies they have done this to many other companies as well. Also, when customer file disputes they fight the dispute even when the merchant tells them to refund the client.

Square has held my money for over 3 weeks. They won't refund. They won't explain why the hold. They won't give information for contacting corporate or legal. They say one thing and do another. They say they don't have supervisors. You can get zero information. No reporting in the system when they take money.

We are an established company that provides manufacturing services and retails building materials to contractors and the general public...sales of $900K last year. We are a small business with seven employees. We have accepted payment strictly by check or cash for several years but recently decided to meet the growing demand for credit card payment options by creating a Square account. Easy set up and easy to use...no issues for the first two months.

I gave them a one star because there is nothing lower to choose from. They are a piece of crap and took money from my account and did not send it to the recipient. There is no one you can talk to, no customer service, and will not provide a receipt because they do not find any of the information of the bank account even though they took the money. I have read all the NEGATIVE reviews, but unfortunately, too late. What a crappy crooked fraudulent business they are. No respect or consideration for hard working people trying to make a living. THEY ARE THE REASON THIS COUNTRY IS FALLING APART. BUNCH OF LOSERS AND SNOWFLAKES. UHHHHH.

After several years they flagged my account and shut it down for NO reason. I’m a legitimate business. They are now holding my money. Made me upload license with license number and my business registration?!? Absolute BS. No one will talk to me on the phone, won’t give me a customer code. They are terrible. Shut this company down. I will be suing them for my money.

This place is an absolute nightmare. They offer instant deposit of your money but they do the opposite. They hold your funds without giving you access and have no customer service department for you to call when things go bad. I searched for a whole day to get a number and when I got a hold of them and asked for a supervisor I was told that they didn't have any for customers to speak to because it was company policy. These people are thieves.

I had a customer that had made several purchases from my website in a year's time that had their credit card hacked. When they notified their bank of the fraudulent charges mine was listed as one that wasn't! When Square contacted me to dispute the charges I sent them an email from my customer (which is also a good friend), all of her contact information along with the purchase and pick up receipt from my online store! And after that I heard nothing for 3 months from them, then this morning they still took the money back out of my bank! When I contacted her she stated her bank told her Square never even contacted her bank to settle this dispute! No contact was ever made by them on my behalf to my customer or her bank so basically it just sat in limbo then took the money out of my bank! I have taken them off my website as a way to pay and will be looking into someone that's willing to put a little effort into their customers and their business.

Square deactivated my account without much explanation after my first transaction for US$ 500.00, which was OK with me. However, they are keeping my money for 90 days which is not OK. If I choose to refund my client they say it will take 120 days from the date of the transaction. This company should be reported to the authorities that regulate companies that take money from the public.

This place is an absolute nightmare. They offer instant deposit of your money but they do the opposite. They hold your funds without giving you access and have no customer service department for you to call when things go bad. I searched for a whole day to get a number and when I got a hold of them and asked for a supervisor I was told that they didn't have any for customers to speak to because it was company policy. These people are thieves.

My wife and I run a very successful international travel company. Typically we take payments through online sites, PayPal, etc. We figured that having some credit card processing capabilities might be a good idea. Some years ago my wife had a business in the arts field and used Square for card processing and had some decent experiences so she figured that working with this company now might be a good idea. I want to preface this review with the fact that I am a very experienced business person and a very successful former CEO of high tech companies. Not some troll or guy who doesn’t know what he is doing. This is the real deal.

I started an account with Square and thought it was great. I had no bank account so they said they would mail me a check until we established one. Since it was a side business I thought ok. I now have about $300 total in the account and they slowly chipped away at it with claims of charge backs and questionable sales. I sell cocoa butter and black soap and natural items and have already shipped the products to the customers.

Square shut down my account, refused to tell me why. Asked for a ton of banking info and then proceeded with fraudulently charging both our account and then the accounts of our customers. Beware, much of our experience with them for years was great but now they are just flat out thieves.

It says phone support is not currently available for my account but I have $5,476.07 of client deposits for services that they have suspended. This company is horrible. What do I even do??? They are not even responding via email.

Pay attention to Cash App & which account they are choosing to send your money. I opted to cash out & send it to my credit union. I have 1 account that I'm the owner & another account I'm labeled joint on. Cash App only asks you to "login" to your account & after that, you get a pop up message stating it was successful & they reveal the ending numbers on the checking account. Since I only owned 1 account, I didn't pay attention & didn't notice they had the last digits of the account I was "joint" on. I deleted the account off Cash App & tried again thinking I did something wrong.

Wanted to verify my business and held my funds. I've had Square register for several years. I use my Android phone to process credit card payments. I was in the hospital in January for two weeks and was unable to work till the end of May 2019. I started working in June and started using my Square Register on my phone in June. I noticed that my deposits were not going into my business checking account. I tried to deal with the Internet on my phone and could not get through to the company. I do not have internet at home and my laptop is old we're talking about 6, and I need to update the internet service.

Started of good and my account was shut down after receiving a capital loan. I have 18 months to repay. I have paid 54 per cent in 30 days. Now they shut me down and I have transactions that they are holding. They almost destroyed my business. Square should be circle. That way they would something to play with.

This is not a good product for business owners. Only a fool would pay 3% for something you can get for 1.5%. Don’t be lazy. Shop around. My Business runs 500k in credit cards and I saved about 7500.00 a year.

I have been in business for over 30 years. Thought to give Square a try and it was a nightmare from the start with them. They withhold your money without reason. Square held $2,500 of a sale without explaining why they did that. While they held my funds hostage - they took their percent right away! Rip off company! You may think you're happy with them for the first few weeks until they pull something off like this with your money. Try calling them - it's a joke. They never answer their phones nor respond to your emails for weeks on end! PayPal all the way for me! What a poor excuse of a so called merchant company.

I have operated 2 businesses over the past 19 years. Every time a customer handed me a credit card my heart sank. The fees were only half the frustration. I felt like I was being scammed for years and obviously I was since I just received a check from a class action lawsuit. Then along came Square. I thought for sure it was too good to be true. A flat rate which meant I could take American Express as well? Well it is true. I can switch between my 2 businesses on my cell phone to run credit cards. Easy as pie. My complaint is the lack of customer service. Life is good until you have an issue. They are only open Mon-Fri and they do not have 24 hour support.

Earlier this week, a client made a purchase via Square for a $25,000 item, which he had pre-approved from his credit card company. Square refused to deposit the funds into my account and, in fact, notified me they were closing my account and holding my funds for THREE MONTHS. I attempted simply to refund the client, but Square then said it would take TWO WEEKS to credit the client back. They have done serious financial harm to my 40+ year old business as well as damaged my business reputation. Everything I sell is fully compliant with all local, state and federal laws yet they have chosen to restrict my legal commerce and intend to hold my capital with ZERO compensation. This company is openly discriminating against many individuals and committing fraud by retaining funds illegally for so long.

I purchased my first card reader and it worked great for a couple weeks. Got to the point it wouldn't hold a charge. Sent it back under warranty. The replacement worked for a couple weeks then did the same thing. Would work for about 2 hours, then would have to be recharged, then it had to be on the charger constantly. I only use this on weekends, and only about 5 months out of the year. The rest of the time it sits in my money bag. It won't even hold a charge long enough for you to process a single card now, even if it's plugged in. At this point I can only use their free charger to process cards! Save your money!!

I just get repaired for my small business, running test system for payment online through my website. And then after 2 week they just deactivate my account, don't answer me when I asked for the reason.

They are holding a $15000.00 transaction. I have provided all related information to prove I am a valid business with a valid sale, from customer contact to supplier information, to my tax return showing sales volume and all I get is a computer generated generic letter stating I cannot take gift cards and must provide a legitimate service. They refuse phone calls, and are not answering emails. I don't know where to turn.

Cash app has the worst customer support ever. No phone number to dial and can only be communicated through email. I’ve been waiting for 2 weeks for a response and they just keep saying they will have someone email me soon but no one did. I called fake Cash App support phone number 2 weeks ago without knowing and got scammed $2100. If Cash App customer support was more reachable and more helpful I might’ve been able to get my money back but their slow response and bad customer support made me lose the most urgent time I could’ve tried to get my money back.

Been with Square for about four years dealing with public school band instrument repairs. Square has really simplified collecting for me. One major account has provided all their band directors with their budgets on American Express cards. When I deliver completed repairs, they hand me the card for processing in my cellphone. When I leave, the money is already in my Square account and in my bank account the next day. That is a tremendous bargain for less than 3% processing fee and quick payment. Cash flow in dealing with school districts has always been a problem. Square has really helped me to be able to work with the most progressive customers and let my competitors fight with the slow payers!

Since the first moment I used Square, I’ve never had a problem with the setup, if there was a problem Square quickly updated the app. My customer enjoy it and that’s all that matters. I would refer this app to anyone looking for excellence.

Before we processed a credit card we called Square since it was for $4,225.00 a one time transaction. They said it was ok and we processed the debit card. Then we waited 4 days and I delivered the product. Meanwhile they cancelled processing it and demanded we answer 8 questions. Two days after we submitted the answer we got two more questions. Provide a copy of the credit card and D/L or passport.

I see some negative reviews below. I have not experienced the same problems. In fact, we left PayPal (a disaster) over intrusive requirements, horrible customer service and withholding funds. We filed a claim in civil court, and once I talked to someone that actually listened, once they heard the "civil court" our funds were released in 20 minutes. Beside the Reader, we have also have Square for our web payments. It is integrated with Gravity Forms. It took some fiddling, but it is working smoothly now, and it is FAST. Money deposited the same day, not like slowpoke PayPal. At this point I would say we are quite happy with Square.

I feel like negative comments are "louder" than positive ones. I needed a means of accepting credit cards, as most younger generations don't know how to write a cheque, and customers were giving me ** for not taking credit. I've done so many swipes with my reader, and I receive the money in 1 or 2 days. What are you all complaining about? You get around 2.7% fee and you get your money fast in your account. The support is also very fast. I am baffled at the bad reviews. The reader does what it claims it will do; accept credit, and send you money in 1-2 days. Do you all want the reader to give free massages too?

After two weeks of trying to just get a response about a charge back still no response from Square. They do not have a way to contact them other than email and no one at Square responds to emails. I would not use Square again even if they had zero fees. Square is 100% worthless !!!

This is the most unethical, unsupportive company I have ever dealt with. There is absolutely NO way to reach a live person even at the number on my bank statement or the number you have on here for them. If you call Square SALES they’ll tell you that there is no live reps for Cash App and it’s sad. I’m out 66.00 and no one can help me. This should be illegal to not provide support dealing with finances.

I have recently had 2 chargebacks from my Square account. I provided detailed information about the order and tracking information with a signed delivery receipt from FedEx. The products we offer on the site are items with an organizations logo on it. I have only had 1 dispute in 6 years of business from my brick and mortar store and provided the same information and won the dispute. I really don't feel they went to bat for me at all, especially since you are not allowed to work directly with the bank. I am in the process of moving my stores away from Square.

I was using Square for my small company for over 2 years. No problems. Processing about $75,000 per year. They even provided me with three capital loans which were paid off early. Then all of a sudden without warning, they closed my account. NO EXPLANATION. Do not use Square. They will screw you over and hold funds. I can't even call and get an explanation. What sort of company does this? I feel like I've been back-stabbed and screwed over. And the capital loan that is currently on my account will NOT be paid back. I don't care if they take me to collections. They just screwed themselves over.

Square dropped me as customer after just a couple of weeks. They never told me why I was dropped even after several attempts to get a reason sent to me. What sort of company does that? Not one I want to be doing business with. Find someone else.

So it seems Square customer service is slowly turning to garbage. Yesterday I received a dispute from a customer. I tried to reply to it and provide evidence on Square website but their website does not work or allow me to move to next step. It is stuck on one page. I tried to call them, after going through 5000 phone options and finally getting a phone number to call, it put me on hold and then asked for me to hang up. They said someone will call me back shortly. When they finally called back, there was no one on the other end. I said hello three times before they hung up. I get an email a minute later saying that I did not answer my phone which is crab because I did and I have been using my phone all morning.

Purchased Squareup POS hardware and took ages to arrive. Setting up Square is a maze on its own. Now I'm presented with a login screen that asks for some 4 digits? (Never had this before and there's No Hint to whatever that shall mean, nor is there an option to "resend" any possible password (unless my assumption to this, constituting a password, is wrong).

My cash app won't verify my identity. Now it's saying account maybe closed. As an option I choose when I try contact support. I can't get or send money nor take off smh. Don't know what I should do? I had a a card that was being shipped to me. Now on my app it's as if I never ordered 1.

Square made us believe we were approved, let us charge a clients card 300.00 then sent a email the next day saying that our account was canceled and that they would refund our client in 90 days. They are thieves, and stole our clients money. Avoid Brandon and his sales tactics, he will make you believe you have nothing to worry about. I explained our company model and he said, "No worries we deal with clients like yours and you will be approved." We did the application and were approved. We entered our clients pay. They took the money. When we asked for our deposit they canceled the account and said it would be 90 days to refund. This was our first charge. We have had a merchant account for over 9 years and Brandon convinced us to switch. HORRIBLE and nothing but lies. Be careful of this company.

Updated on 05/30/2019: Having researched a payroll tool, I stumbled upon Square. On the face of it, they offered everything I needed so I initiated an account. I immediately received an email from an account exec named Sydney **. And that was that. None of my questions were answered and I was basically ignored. Tried emailing (6 times), calling (10 times) but none were replied to. Even worse, phone calls were purposefully dropped by reps that didn't know the answer or didn't care to answer any questions. And the aforementioned rep, Sydney ignored all of the emails sent to her directly.

I had an issue setting up my account (my own fault not the company’s). I rang customer service and the woman I spoke to went above and beyond to help me out, even staying on the line while I made sure it was all good to go! If only every company had such amazing customer service it would make doing business so much easier!

I've been using Square for over two years. They sold me their POS system with a value of approximately $2,000 as it was their new retail system. After about a year of using their system and getting their new retail system set up and all my inventory into the system they suddenly disabled my account due to not abiding by their rules and regulations. They have kept my deposit which luckily was not a large amount but I feel how they treated me as a customer is completely wrong.

Be careful using Square system!! We just lost $3.900 as a client's credit card bank claim a refund and after three months of investigation and after we submitted all documentation that our sale was a legitimate sell and we provide the services in full... Square people didn't support us and they just allowed the client's bank to keep the money. We called Square many times and the only replied was that the decision was made and is nothing they can do!! So, they just keep saying that they can't do nothing. It seems that they only are interested in keeping their portion for the transaction and that's it.

Our account was deactivated for no reason! It seems like once your account is canceled you can't reach them anymore. We've been sending emails for 2 weeks. We only get an automated responses with random answers. They are not responding at all.

I have used Square for 3-4 years and have had 3 companies set up. I have processed at least $30,000.00-$40,000.00 through these other companies. I set up a new company recently and tried to process my customer's payment - they made me refund. I provided all documentation, corporate papers, bank account activity, etc.. They give no reason for making me refund my customer's payment multiple times and there is no way to talk to a supervisor - 0% customer service. I am not recommending anyone to use this company anymore, because there is no customer service only robots telling you that your customer's payment cannot be processed, with no reason why.

My girlfriend sent this off almost 3 months ago and I'm still waiting today. I called to find out what was going on or if they could tell me anything and they told me that since it was sent UPS there was nothing they could do. UPS told me they received it so I called back and since I don't have a receipt they told me there still nothing they can do. Well I know that she sent it. I know that it made it there so... I'm waiting. I'll keep yall informed,

I'm wondering why and how the recipe of my purchase from Yellowbelly restaurant was sent to someone else without my knowledge. I'm not a Square customer and have not signed for their services; also the recipient of the this receipt has not signed for Square services. Why this receipt recipient got the information where I used my credit card which is my personal information and must not be shared with other individuals. I would like get a response form both Yellowbelly and Square organizations to explain why they shared my credit card usage with someone who I have not authorized them to share with.

I have had Square for a while but haven’t been recently using it. So I started using it again to sell my Beats. So I had three big payments from someone and the Square company investigated my account because of the payments. So now they're holding my money until June 30th and they deactivated my account for selling Beats. I hate this company.

We have been in business and used Square for 4 half years, had loans with them, and boom out of the blue we got shut down. If we were doing something wrong it would have been nice for a heads up and it would have been taken care of. We got shut down and can’t even get them to get back with us, so beware, we put 700,000.00 grand through them last year. Don’t put too much faith in this company. We are Queencityvapors in Springfield Mo.

They have very little customer support, and they have access to your social security! They closed my account for NO reason at all! In an email they said I had chargebacks to my account... I HAVE NEVER!!! When I reached out through their email support, all I get is, "We've done a review of your account and have decided to terminate your account." I've used this service no more than 6 or 7 times. Everyone was paid accordingly. There has to be something else going on that I'm not privy to. Something they don't want to share. I'm totally uncomfortable with this! And, I've recently contacted the Secretary of State's office, and the BBB. DO NOT USE THIS SERVICE!!

Tried signing up for a square and their website said my address is invalid. (Funny the mail comes here daily.) When I tried multiple times to contact them to rectify the problem there was no way to get to a person. When I clicked on the contact option it goes to a chat type screen with a robot. Tried it with no success. I had already entered a significant amount of personal information as they require a bank account in which to make deposits. They now have all of that info but no way for me to get a square. I get emails from them now and have no way to unsubscribe or respond because it’s a no reply account, Glad I see upfront that they have ZERO customer contact or assistance before I got fully involved with them because if I had any problems in the future there would be NO way to get assistance. It’s all self serve. Too frustrating. I have experienced nothing positive with this company and would like for them to stop sending emails.

This company allows crooks to use their equipment and steal money from unsuspecting customers. Once you insert your card, you will NEVER see your money again. I think it is despicable what you guys stand for. DO NOT EVER PUT YOUR CARD in their equipment. The taxi scam is real and they do nothing to prevent it. SHAME ON YOU!!!

This company has the worst customer service. Wish I could leave zero stars! I cannot use their credit card system for my small business because they are unable to verify my identity and I have a business EIN number with my own social security number. I was told to call the IRS and figure out what they show as my name and address. The IRS even sent me a letter verifying my LLC information. Square up rep stated the decision is final. Apparently a born and raised US citizen with a global entry card and an LLC business with a letter from the IRS doesn’t exist! Yeah Square, I’m a fake person! Thanks for not helping to even try and solve the issue. I went with Merchant One. Amazing customer service and cheaper rates!

We started a new doctors office and have contract staff at our clinic. We use Square POS for our cash business which is fairly simple. However their payroll system is beyond terrible. I enrolled my staff for payroll about a month ago thereafter went through a verification process for 2 bank deposits, Tax ID details etc. and my account is not yet activated and my staff has not got their wages because of poor customer support from Square payroll. I have called customer support 3 times - all reps have no clue about the account verification process. I have send them 2 email messages - no acknowledgment or response yet.

This app started out a great idea. I do side work and my customers pay me through this app. Due to a customer's diabolical way. My customer somehow found out that, if you pay someone through Cash App and then disputed it, cash out will refund the money. Regardless if the money was rightfully yours or not they take the side of whoever dispute. Which cause them to then deactivate your account and pretty much tell you, "Oh well." So then that means whoever is paying you got off with free work. Not cool at all.

I paid for a class for my granddaughter on the company's website who uses Square. Within 15 mins I had 10 charges from Square Caviar totally $575. I had to contact my bank to disputed all the charges. I believe Square hacked my card through the company's website and Square account. I’ll never pay someone who uses Square again.

DITTO to all the 200+ one star ratings! Square is impossible to deal with! I wanted to understand their process when first asked to verify business information (information that was sent when account was set up) but monthly they randomly lock the account and request the same information. After sending 3 months in a row I actually found a way to contact them via phone buried in their web site! The division that answers is a place holder in charge of making sure you can't talk to anyone that can do anything! They forcefully commingled funds via two different companies with two separate accounts.

I started using Square about 2 months ago, in that time no chargeback, no fraud, nothing. 2 days ago they sent me an email about my account being deactivate. I called and called. Nothing. Emailed. Finally got an email back and it's below that because of security reasons. They can't let me know anything. How in the Holy ** can you close someone account and then tell them it's because of security reasons and they keep your money? I'm not understanding how that's possible but I guess to crooks anything is possible. This doesn't make sense to me. Can someone please tell me who to talk too because this isn't right at all. Crooked ** thieves.

Wish we could leave negative stars. This company is a mess. We have used them for over two years and we got our first chargeback in January of this year. Square gave the bank back the money for them to hold in an Escrow account while we disputed the chargeback. We were constantly harassed by Square to pay them the $9650 that they never should have gave to the bank in the first place. Square then stole money from another company that my name is on but is completely separate from the first one and are not allowed to share funds. It took three weeks to fix that screw up. Yesterday the dispute was decided in our favor since the customer was in the wrong.

If I could give it a ZERO I would. I have been with Square for a year and have had multiple problems with the processing, deposits and now a stolen identity issue. I am beyond frustrated. I run a small business and I keep records of all transactions and work performed for my business. I recently saw a deducted transaction and called Square and no one can help you and the person that answers says that a final decision has been made. HOW IS A FINAL DECISION REACHED WITHOUT EVEN CONTACTING ME VIA PHONE OR EMAIL??? I am now out of $$ due to an identity theft and also with no consequences to the person they know stole my information. I called multiple times and even sent an email to the "person" whom they said was managing the issue. That person basically said the same BS as before without any proof. I am urging people to please do not use this service since it will cost you lots of money and hurt your business.

I used Square because it's supposed to be the best point of sale app out there, the free card reader is a bonus also... But mainly, I was attracted to the instant deposit feature... I dont like waiting "x amount of business days" for the bank to give me my money. It's funny, they can always take it right away cant they? Anyway, I set up my account. Gave them my SSN, verified bank account and finally linked the debit card associated with the bank I have linked. Per their website, this should enable the instant deposit feature, which again, is why I signed up.

Square is a total joke. I have used them for a long time now to process over $50,000 a month in credit card transactions thru my website where customers purchase merchandise from me. Whenever there is a charge dispute in the case where the cardholder claims to not have any knowledge of the purchase yet I have complete and full documentation of how the customer purchased hundreds of dollars of items from me, Square just simply sides with the cardholder and pulls the funds out of my account. In the end of it all I am out hundreds of dollars in merchandise and shipping expenses while the cardholder received the items and gets every penny returned to them without a doubt.

Put you through a lot to process credit cards. Then, and they have already made a decision, deactivate you. No reason given. It seems that they cannot handle anything over a couple of hundred dollars. Scares them.

I only do a few local art shows a year. ** is my business. To all my customers at S.F. Cherry Blossom Fest in April 2018: Not one single customer contacted me to notify me that they were not charged on their credit card. I know there are a few honest people out there! That's because Square took my money. Here's my story: I apparently wasn't aware that I had my iPad switched onto cash payments, so when I had my customers sign their names after they swiped their credit cards, it looked like all the sales went through.

I have been in business for over 15 years and used every credit card processor out there. I started using Square in 2010 and never looked back. The value of what you get from free hardware, and software with the best processing fee out there straight forwarded. You know what you are paying for, no surprise whether it’s a Visa or AmEx or a loyalty card fee does not change. Try it at **. You will not be sorry.

Just started using the invoicing feature through Square. It it is great! Getting paid quicker than ever before in my landscape business and I love how it tracks all my money throughout the year - even checks and cash! And it is free to use. You only pay a small fee for credit card payments when you accept them and that’s it.

I have been using this company for about two years now. I started a Shopify shop and started using their card processing and immediately these crooks started locking my account throwing reviews and asking for all these bogus documents that had no affiliation with my business and the business I was conducting. I explained this situation and they were rude and super mob boss when asking questions about my funds as the customer was standing beside me as I was on the phone explaining the process of my Drop shipping business.

We have been using Square iPad Reader for the past 3 years. It is really the most efficient way of processing payments. The transaction fee is very good and there's no monthly fees. A great option for a small company like ours. 5 out of 5 stars!

Square is very easy to use and compatible with all devices. I have been with Square for 5 years I have never had a problem. I can take it on the go or in the office and never miss getting paid. They have a lot of useful tools for business.

I am a florist and I work a lot with event planners, Because of this I don't work directly with the client. The planner I used forwarded the (Square) invoice to the client so the client could make the payment. Square still hasn't cleared my payment of $1400 for 7 days now! It took 3 business days to get in contact with Square to see where MY money is. I was advised I got sent an email saying it was a fraud payment. I checked my emails - spam, junk etc, and I found nothing. I mentioned to the extremely rude guy who was "helping" me out that I didn't receive an email and he said, "Sorry you didn't see the email, we don't apologise to customers for taking security measures".

They never allow me to add money to my cash card from my own checking account citing security issues. They don’t allow me to cash out back to my checking account and they don’t say why, just that I’m not able to. 80% of the time that I send payments to others through the app they return it to me stating it was cancelled for my own safety. Text and phone support hasn’t been available to me for about a year, only option is to email them. Any company that issues a debit card should allow you to call them. But whatever I’m done with the company. I was finally able to get my money out of there and now I’m fighting with the app to close my account. Do yourself a favor and download Venmo, they offer a debit card as well and are backed by PayPal.

As a consumer, I made purchases from two different merchants in the last few months. Both of the merchants used Square to process their credit card payments. In the case of the first merchant in December 2018 my card was charged 3 times for 1 purchase. It took 3 months to get the funds returned by the merchant because they could not contact Square or get them to reverse the charge. On February 28, 2019, I made a purchase with another merchant. Unbeknownst to me at the time of purchase, this merchant also used Square to process credit cards. I now have 2 charges instead of 1 pending on my account. I was informed by my credit card company that the charges were made at 2 entirely different times - hours apart. I was told by the merchant that they only have one charge on their end so I have to wait. Meanwhile, my available funds are diminished. The common denominator in both situations is Square. Avoid at all costs.

My business processed payments via Square for nearly a year. Out of the blue we received an email stating that the account had been 'permanently disabled.' No reason given - I had to call to get that. Apparently our business activity, which they describe as car hire, is banned. I asked for the details of where this is explained in the Terms and Conditions - I'm still waiting. Apparently Square don't bother to check a company's business activity (or, presumably, anything else) because they aim to set up the account quickly 'to provide good customer service.' Is it good customer service - to supplier or customer in the card transaction - to set up firms without checking them and then cancel them without notice? Or would it be better customer service to do these checks beforehand?

A friend warned me about Square, but as I initially had no trouble with a number of small transactions, I thought maybe they were wrong. I can now see that they please themselves and don't care at all about small business and the importance of cash flow. Be warned.

My Square Cash App was compromised on 2/15/19. I notified Square Cash App and my bank of the breach. An investigation was completed by Square Cash App indicating my account had been compromised and that I should contact my bank to expedite a refund of monies unauthorized. My bank denied my dispute indicating Square Cash App would be responsible for refunding my money on 2/25/29. I contacted Cash App to again refund my funds totaling approximately $5000. To date I received a response via email, as Cash App has no live phone support advising my file was being forwarded to the disputes department and someone would be in contact shortly. I have yet to get a response. I have been without my money for 10 days now and this is unimaginable as a mother of four children. My entire account was wiped out.

We have been with Square for about 1.5 years, but have only used their service maybe a few dozen times. We were given NO notification in our account, but they sent our company an email telling us to refund 2 large website sales due to possible fraud. One was from 15 DAYS previously and was fully processed, the other we had NOT even received the funds for. So they SUSPENDED the account for our retail website. Mind you, this suspension is due to an error THEY MADE. They are asking us to refund funds that are either long since processed (products delivered) or have not even been transferred to us from them. So, it is quite obvious their security team/software is not doing the job we rely on them/it for AND they obviously do not know where funds are located.

Class action lawsuit is the only way to get results... Only way to get your money back! Otherwise they continue their everyday practices of stealing money from business owners and holding on to other people's money for 3-6 months. Yes I am mad, angry! I want my ** money back asap!

I am small business owner and have been using Square for about 8 yrs. I have used them to process ~ $180K/yr in credit card sales and have never had a chargeback or problem with my account. Then last week in the middle of my work day, my account was deactivated without any specific reason or prior notice. There is NO customer service to speak with and when you call you get a recording telling you to refer to the email sent for instruction of how to contact them. Of course, nothing in the email except for a vague reference to a section of the agreement that I have supposedly violated. Absolutely NO details and no person to speak with. I never believed that a company could treat its customers with such disregard and I don't see how this is allowed to happen. Fortunately, I used the quick deposit to get my transactions from that day deposited. If anyone is aware of any recourse, I would love to hear what that is.

I own a small retail store that is still in its first year. The Wednesday before Black Friday, Square deactivated my account with no reason given or warning, and refused to communicate to explain why, despite numerous attempts at communication and specific questions regarding why my account was deactivated. They kept claiming I had violated the terms of service, but refused to tell me exactly how, and I couldn't figure out how I had violated them despite rereading their terms multiple times. I contacted the Better Business Bureau and the NH AG's office to try to get some sort of explanation, and, in the end, the only thing the company would say is "We may terminate use of our payment services at any time and for any reason."

They will set you up and allow you to process and deposit several payments into your bank account, building up trust that everything is working. Then out of nowhere they will deny you the ability to deposit money you received from your customers into your bank account until you provide them with additional sensitive and detailed financial information, such as your corporate account balances and financial history. No explanation on why they need this information and why it wasn't requested upfront before setting up your account. It's bait and switch and if it's not illegal, unethical at best.

Please be advised my account was hacked with cash app and my checking acct was hacked as well. I have notified my bank and they said that you are responsible for replacing my funds back in to the cash app that I set up with your website. You can look at my acct and see all of the activity on 02/07/2019. Please send me the full address for your company and phone number so further action can be taken with the BBB and Consumer Affairs.

Square is the worst company I’ve ever dealt with. I own three businesses and you Square payment processing for all of them. They have been no help to me at all the last five years of service with them. I would recommend using any other credit card processor beside Square. The technical support is unhelpful, no one ever answers the phone. I have equipment that has been broken and they will not warranty. Also I use the Square capital service which is the biggest scam of all time. Please be careful when dealing with these crooks.

This ** up company is holding my funds, never give any kind of notice, or anything, they just deactivated my account - and conveniently holding on to my MONEY!!! This company and the way they do business has to be a scam... Has to be, they do not ever, ever take a call, call back, just their stupid phone system. I had no idea that this type of company could do this to people, I never had a chargeback, never misused their services. They do not have it in them to pick up the phone or even make a simple courtesy call. They play with folk money and think it is okay. I started doing some research and there are a lot of other people out there experiencing the issues. How is this possible? I WANT MY ** MONEY NOW!!! IT IS NOT YOURS!!! Please do not offer me any of your stupid explanations, I suppose these folks at Square think everyone is simply just stupid!

THIS IS THE WORST PAYMENT PROCESSOR ON THE PLANET. I wish I had read reviews beforehand. Not only did they hold over 12K of my money for NO legitimate reason. I have perfect history, no chargebacks, no high risk sales, great business flow with sales - they DEACTIVATE without warning (something they do to most customers), hold the money and then it's impossible to get a hold of them.

They are holding $15,000 of my money. July 2018 I did a personal credit card transaction and they didn’t tell me about it and every transaction I’ve done since then you’re holding my money and I want to talk to somebody and will not talk to me over the phone. They say somebody to be in contact with me and email. Have not received an email. I just message them and I’m getting very aggravated.

Please consider another company if you’re a small business and depend on getting paid when a customer pays you. Square will hold your money for as long as they want to. So at the end of the week I’m the one footing the bill to pay my employees, my expenses and material bills. Wouldn’t be a problem if Square wouldn’t just let $10k sit in an account and you have no access to it.

I had been using Square for years and they just terminated my account for absolutely no reason. Customer service gives no explanation and no help to resolve the issue! I tried to phone them and needed a customer code... They will not issue a customer code so that I may speak to an agent. I am at the beginning of my trade show season and have invested a ton of time and money. When I attempted to process a sale Square rejected the sale. Now I have customers and no way to process credit cards.

I’ve been with SQUARE for several years. Each year increasing to $770,000 processed for 2018. HUGE problem is, when a customers is not happy with the medical service we have completed/provided, all they have to do is file a credit card dispute with their bank. Square bows down immediately and pulls the large amount out of your account, holds it for "the dispute" for about 90 days, all the while collecting interest on your money you already paid them a service fee for.

On Jan 14 I opened an Acct with Square to process a Credit Card payment for a Automotive Scan Tool. I completed all of the requirements. Processed the credit card. The funds showed up in my acct. I spoke with them and I was assured that the funds would be deposited the next day and everything was good. The next day instead of the funds being deposited into my acct. I rec'd an e-mail telling me that I should refund the transaction and process it with another company. I tried to contact them by phone and e-mail more than 20 times only to get the same e-mail message.

Square has been my go to our small business for a while, mostly because it was one of very few options and I didn't feel like dealing with change. Well that all changed today, in the past I've had questions and it takes days if not weeks to get answers. Well a sale yesterday was instant deposited into my bank account, then instantly drawn back out by Square. They have been horrible helping us and continually. Say that they see nothing wrong and everything looks fine. Except the fact I'M out $220+ and have to supply the product to my customer. They don't care and are not working fast to resolve it. Any amount of money is big to a small business and SQUARE doesn't care about it. They will have no problem taking your money but if you need their help they are nowhere to be found. With so many options out there SQUARE has become a no go for most so I suggest you avoid them.

WORST!!! DO NOT USE!!!! BEWARE!!! I used Square for my business and they terminated my account for absolutely no valid reason. You cannot reach anyone via telephone and the emails are just same spiel and the recorded phone calls. WORST service I have encountered in all my years as a businessperson. They are holding over $20,000 of my money and they won't release it for 90 days. If that's not being thief then I don't know what is.

The deactivation of my account without any notification or explanation is the most shocking and unethical things that Square did to me. I still do not have any idea why my account was deactivated. I think giving notification in advance would be the proper thing to do by Square. Square deactivated my account in the middle of the business day leaving me without any means of accepting cards from my customers. After multiple emails and calls, they still did not explain to me what is the issue for my account closure. It seems like the company does not give a damn about their customers, and that's very sad. I will do my best to share my experience with all of my friends and other business owners and encourage everyone to switch to a different merchant. I really wish it didn't go like this...

The worst experience ever! Worst can be maybe Stripe. Review my account after very first transaction and lock account after I sent out all the docs asked! They said, “We can’t no longer support your business because of high risk." I have charge my client for private lessons and now I have to refund money for lessons I have already gave. Lose money and time!

As pissed as I am, I am sharing my experience so that other small businesses don't get screwed like I did. I'm a mom and a small business owner. After a year of using PayPal to accept my payments I decided to branch out to credit cards. Everything went well with Square to begin with... until I needed to contact them. It's not easy, it involves research and jumping through hoops. I received a large order and was excited, but I also decided to be smart and reach out to AMEX to make sure the card was legit. Amex told me because I didn't have the full credit card number they could not check on their end and I should contact Square to get the information needed.

We have registered on SQUARE to accept online credit card payment. We have done all they asked us to do at the beginning except the business registration papers and bank statement but gave business number HST number, bank information and all. They said, "Congrats you can now start accepting payment." We had processed 3 payments total of $11,745CAD and they said our transaction under review. We have uploaded our official business registration papers and bank statements. 2 days after uploaded all (8-10 days after initial transactions) at 2 AM in the morning I have receive an email saying that "we cannot process your transaction please refund it cards" after my client has gone back their country. We are Toronto, Ontario based medical tourism consulting company and, our clients are from all over the world.

We're a commercial cleaning company and we signed up for Square payroll for direct deposit to pay our contractors on Monday 1/7/19. We submitted all the required information and received a congratulatory email welcoming us to their payroll. After that we submitted all of our financial information for our bank and the financial information for the individuals we had to pay. We processed the complete payroll as instructed by Square. Square immediately took the money out of our account to cover the direct deposit payroll.

We are a small business in East Texas. We work with a lot of oil companies and receive very large credit card payments. Square notified us and stated we were in review in November 2018. They requested many docs, which we immediately submitted. They did not release our funds. In December they did not release our funds and we were not aware of that until we received our bank statement this week. I called them and got NOWHERE! Their answer is they would escalate the problem and try to get us an answer.

I have a Square account and am able to sign in. However, I tried reaching out in several different ways to Square (No email, ineffective "chat", etc.), only to find their "Chat" option using AI technology that is a circular NIGHTMARE and their average phone wait is almost 2 HOURS EVERY time I try - UGH! The customer service automated phone message requires existing customers to have a customer code, but there is no such account on my webpage/account. I actually owned their stock until this experience, when I SOLD ALL THEIR STOCK I OWNED! Initially, their products were easy to use, but God help you if you ever need assistance from Square.

Square processed several small transactions for my business. Then when we actually implemented it into use they held our funds. Collected it from my customer and held it. The account said “under review”. I danced around with their request all while 20k+ sat in hold. They provided no phone assistance and kept putting my account into further review. I will never use this service again and hope that for the sake of your business you stay away as well.

Got Square because I needed a credit card processor in order to accept Spa Finder gift cards for my business but Square shut me down after I had already accepted and provided services to several clients. Square involuntarily refunded their money when no one asked them to. It's a nightmare.

Just last week I discovered this acronym, *SQR, appearing several times in my bank accounts records. There were 13 charges for "small" amounts, first 50 to 90 dollars, then a steady stream of 115.00, 116.00 charges. In total, in just a week, *SQR had siphoned almost 2000.00 from my checking account. I had a Square Cash account on the app that I haven't used in years, connected to my bank card, so either there's a hack or there's something funky going on with the company. Thankfully, my bank stopped the card, I disconnected and deleted the app, and they are in the process of doing an investigation. If this happens to you, get your bank on the case ASAP.

Please stay away from Cash App. They took money out of my account and no one is responding to my emails. There is no phone number to contact anyone. This is crazy. They took $320.00 of my money and cannot tell me what happen.

Please stay away from Cash App. It’s scammers and fraudulent, I wish I don’t give them any star at all. My account was hacked and I reported to them to cancel the payment as it is stated on their app that you can cancel a payment. I reached out to Cash team to report and requested them to investigate the matter which they have in their policy that they have all the right to cancel or hold a payment if it’s suspicious. Since they don’t have human customer service and they don’t reply back to your email I ADVISE YOU TO STAY AWAY FROM THIS APP. Not good people to do business.

We got the square about 6 months ago for our small business. We were doing good business and they were take crazy fees out on the money we were depositing I need. They took thousands. It was crazy. Then all of a sudden I got a email this week saying our account was being deactivated without a explanation. They say it was because of fraudulent. There was not fraud going on on our end that’s for sure and I try to get in contact with the fraud team or whatever they call their selves. The customer support would not tell me nothing other than what the email said which it didn’t say hardly anything.

I had a deposit of $4000 through Square and 1 week later still no money, this company holds your money up for their own benefits. I called them up here in Australia to ask them what they were doing? And the customer representative was the rudest unprofessional person I have spoken to, her name was Kelsey working from the call centre in Melbourne. She was a power-tripping nutcase just like the company she works for. The whole company is a sham and I am warning everyone out there do not use them, they will rip you off.

I realized a weird thing about Square. When customers pay with their card or Apple Pay when they ask for a receipt I saw that Square gives them an option to email or text the receipt. This information is kept in Square's database and the small-business owner can never see its own customers number. The number or email is always hidden like John Smith 20*-33*-***8 . The only way you can have access to your own customers information is when you sign up for email marketing and that is $39/mo and Square thinks that they have a right to collect data from customers they never saw or met and you or me as business owners can't have access to our own customers. Is That legal? Not sure about it.

One of my best business tools. The website is easy. No hidden charges or fees. Updated information. This is everything you need for a small business or just starting out like I did 4 months ago. You won't be disappointed.

We got set up with Square. Card reader sent out. They was happy to take money then when the funds was due to be in our account. They spend the account and hold your hard earned money for 90 days. You will find the service is the worst. No help. No reason apart from your business does not fit their needs. Well why send the card machine and take payments? We filled the forms out. Sent everything they needed. The reason they send it is to rob your money for 90 days. The worst company ever. Should not be allowed to supply this type of service. Now my customers are waiting for refunds. This does damage to your business. Go with Worldpay, etc. not these cowboys. Would have given no star if I could. Please do not use. Read the online review. This happens a lot.

Although I don't personally use the app as a point of sale; I send invoices. My customers get offered cash, check or charge and when they say charge I use Square. Square is a pay only for what you use provider meaning I don't have to worry about monthly charges for the privilege of accepting card payments. I send invoices to customers within the app and they pay thru a link in the email. I usually send invoices while I'm standing next to customer and they pay me before I leave. We both get confirmation emails of the payment and I never touch the customer's card. Simple, easy and straightforward terms.

We used to only accept cash as we never would pay the outrageous card fees, then along came Square and voila, a few years into Square one of our clients backed out of their agreement and attempted to cancel their deposit through the bank. Square jumped in and covered it. What a peace of mind knowing we are covered.

Before using Square I used another company and started having problems. Since using Square I have not had any problems. My credit card processing cost has gone down and they have fast deposits. Their website/dashboard is easy to use. I would recommend Square to anyone wanting to accept credit card payment.

I have used Square point of sale for many years now without one problem! I can count on their customer service if I have a question. I have just added the calendar this year and it has made it so easy to schedule my clients in a timely manner. I love that it sends reminders for their appointments too. This has made my business run so much smoother!

I do many vendor events with my home business and offer cash & carry. So many people use their credit cards/debit cards. Square has been very important for me to run my business and accepting payments. I like the instant deposit options and the referral bonuses.

I've used Cash App for months. My card was stolen and money was fraudulently stolen. November 27th 2018. I reported the card stolen and asked that Cash App refund my money back to me. It is December 3rd 2018 and they have not refunded me nor have they responded to various emails I've sent them. I am a single mom and will take legal action and they will not get away with letting this happen to me and not do anything about it! I reached out to Square online since it seems they own Cash App. The rep told me they couldn't do anything and that I had to continue to reach out to customer service via the app on my phone! I've been getting the runaround but I won't give up! Once I get this resolved I will forget this company exist. I'd rather pay WU - at least they're a reputable company.

Really bad customers service. No one on the phone to help you. After I miss my deposit from almost 2 weeks they say that is a bank problems I went to the bank with the reference # that they provide but the bank can’t not locate the deposit. They keep claiming that the deposit went through. This is the third time happens. I suggest go with another card reader even if you spend a bit more. At the end you will save money.

For the first time our my company bought a Square hardware at a local Walmart. The next day we charged a customer for an initial deposit for a lump sum of $3,000, the next day the Square fraud team (better to call them like that) sent us an email with deposit suspended notification and requested documents like our company EIN number, contract and the type of business we practice, long story short. After sending them all the above requested documents, the next day they sent us another notification saying account deactivated in which notification states that the funds deposited will be held for a period of 90 days.

I had a customer “forget” that we provided services and they disputed a $5,400 charge. I contacted them as soon as Square notified me of the dispute. The customer immediately ended the dispute with their bank and I provided Square with all the requested documents including emails from my client proving the charges were valid, a signed service agreement, written invoice, and a SIGNED credit card authorization! It’s been over a month and they have more than enough to prove the charge is valid!

Bad customer service. I have bad experience with Square. I mean they just came, take money out my account so call customer disputed. When I clearly offer service. BE CAREFUL with this company because nobody like to work for money and be taken away by these crooks.

I used Square in 2018 for my small business, the company literally stole around 450 Canadian dollar from me. When I tried to contact them; they never replied to emails nor my phone calls; I kept calling for a month and sending multiple emails until I got sick; they ignored me.

I used the Square at a recent craft fair. They have charged my customers' visas but will not release the money to me until I send them copies of the last 3 months of my bank statement. They are committing fraud or theft. I have written them twice online and keep getting told I have to send them a copy of my bank statements. I won't be using them again.

Thanks to SQUARE. My client really disappointed with my payment service because SQUARE charged their credit card but didn't transfer the money to me. SQUARE hold my money and doing some stupid verifications back and forth...and accusing me as doing fraud. SQUARE CS team also not helping. They basically told me to ** off and deal with the payment some other way. Now I have to refund the payment, customer need to wait for 5-7 business days. And they can't book my service, I also can't secure the date for them because I haven't received any payment. This makes my business look bad. ALL THANKS TO SMART ** SQUARE.

My small business has been with Square for about 6 months, we had Nationwide previously. Square reviewed my office after a technical error from one of my assistants, emailed the paperwork which was put in a junk file. Our income was held for 10 days, I filed the necessary paperwork, it has been 5 days now and we still have not received our funds. Their customer service is terrible, you cannot speak to a live person until you jump through many extensions and then will not get satisfaction.

The loans do not affect your credit rating & they deduct a % with each day's closing. My only complaint is that Square released their payroll program too soon. It doesn't calculate all local taxes properly.

August 2017 I used Square Cash and my customer end up requesting her funds back after she received services. I tried to dispute but Square will only agree with the customer and you will get your money back, unless you take the customer to court. I would never use this Square Cash again! Some governmental authorities need to shut this company down.

We signed up for Square to process payments for credit cards. We had no issues for several years till one day we had 2 deposits of $5000 and $1900. They froze our account and asked us what our company did. They had NEVER asked us when we signed up! And the type of business is in our company name. Hard not to know what we do! They proceeded to close our account and freeze our funds for 30 days. That was August 1 and as of November 14th we still do not have our money.

Our business signed up for merchant services with Square, inc, and Square Capital LLC who are supposedly merchant processing services in California through Wix.com. We had an order of $1,599.95 for a laptop customer ordered and Square withheld the money against its own policy that supposedly releases funds within 24 hours. The order was placed on 11/10/2018 and today is 11/14/2018, we have yet to receive funds. The two companies are crooks who operate under two separate names to make themselves look bigger than they are. The matter has been referred to our legal counsel. If, you have similar incident, please contact Amir at ** or contact us through website, www.discountcityusa.com. Our counsel is filing a class action complaint on November 19, 2018.

Hello everyone. I am a owner of a small business and I took over from the previous owner the Square and she had a loan with them. They have been taking money out of my sales to pay her loan even though I have the agreement showed she is the one took the loan and not me. Please be aware they are very good at scamming people. I have hired a attorney to help me get my money back. I called them 4 times and they said there is nothing they can do.

Square bunch of thieves, they provide you handy device but charge you massive and then steal your money if you do lot of transaction. Refused to do refund to customer. Refused to refund fees. APPALLING ATTITUDE FROM CAMEROON.

I have used Square cash a handful of times over the past year with no issue. My husband sent me $800 to pay our rent while he was out of town. I have a new phone and got the notification to accept the transfer so I did. When I opened the app, I was not able to cash it out. My debit card was no longer accepted and every bank transfer attempt failed. I tried refunding the $800 and it failed too.

Was using Cash App as part of my business for people who don't have CCs. Some people pay with Cash App and then dispute charges through the bank. You will get no notification from Cash App until money is taken from your account. This is a scam by customers to receive free services and products and Cash App says they have no hand in this Scam. Lost money and may have to close my business because of this company. DO NOT USE Cash App!!

Before you use Square to take payments from customers keep in mind if there is a dispute Square will not help. Customer gave me $400 for a photoshoot. I used Square to collect the payment. Did the photoshoot, delivered the pictures to customer. Once the customer got the final product / service the customer complained to BOFA that charge is fraudulent. Square did nothing to help our business and despite all the evidence we submitted sided with customer and BOFA. Square did a chargeback and took $400 out of our business account and we got $34.99 insufficient funds penalty on top of that. Expressed my concerns to Square and their reply was, “You should always have the funds equal to deposit in your account.” Now I am taking the customer to small claims court. Never use Square to grab payment from customers. If there is a issue Square will always side with the customer.

I sent a transaction to my daughter in an emergency over two months ago. The money was never received because her username changed. I have attempted to contact Cash App through Square support on two occasions, as they have no live customer service. I have yet to receive a refund though the site clearly says that if funds are not collected that the sender will receive a refund. I received a template email simply telling me not to send multiple emails. The transaction was on September 3. Today is November 7, and still no response.

I opened a Square (or Squareup) account for my online business. We average $3,000 per day in sales and I liked how easy it was to use Square, and that payments were deposited to my bank the next day. After 4 days of sales without any issues, Square decided to put my deposits on hold while they requested more information from me about my business. I provided all information within hours, and they said the review process would take 1 to 2 days and that deposits were still held until the review was complete. Very annoying, but I understand - I just wish they would ask questions up front instead of allowing me to run transactions first and then deciding there is some problem that requires them to hold funds.

I have never had a moment of frustration in using the contactless chip reader by Square. I previously used their plug-in card swiper with my iPhone but with the transition to chip reading, needed to update to accept payments in my mobile audiological practice. The reader is reliable and it connects wirelessly with ease. It also holds a charge forever. Worth the purchase!

On October 1, 2018, my first day using Cash App, I received $750 and I tried several times to move the money out of the Cash App account. Every transaction "failed" for my "protection." I decided to Google "cash app customer service" and the first returned search provided a toll-free number (855-349-6628) for Cash App customer service (I actually took a screenshot of the search results). I called the number and explained my problem regarding the failed transactions. I was asked various questions. At this point I was not suspicious because I initiated the call after performing a Google search. However, after being placed on hold for several minutes notifications began appearing on my phone, one of which was a notification stating that my bank debit card had been unlinked from my Cash App account. I immediately disconnected from the number I had called and I realized something was wrong.

I've only had the app a couple of months and today I'm accused of violating terms in Section 4 and 5 and told I can no longer send or receive money. In addition, a recent transaction I made to deposit $50.25 into my Chase bank will be reversed. I have deposited money from the same Chase account into Cash App several times but now putting some back is being reversed along with the rest of my money I can't touch? Thus, they can just keep my $191 balance and the $50.25 transfer they're going to reverse? Wow, like what the heck is going on here that this place is allowed to steal from us. Isn't this illegal? What a scam!

On July 23rd I had a customer’s associate pay an invoice of $10,000.00, the transaction was from American Express to my Square account. Everything had gone as smooth as expected. Transaction made that same day. On Oct. 22nd three months later Square gave me notice that they would be withdrawing $10,000.00 from my bank account for unknown reasons, unknown as to why? An option as to a resolution was presented after that had charged my Square account the $10,000.00 and made a request to my bank for the $10,000.00 also. The representative I spoke with were misleading as to what was occurring and later had to be cleared up by a supervisor. Basically, we are taking $10,000.00 from your account and that’s that.

On July 24th I had a customer pay her invoice of $702.04, the transaction was with Square. Everything had gone as smooth as expected. Transaction made that same day. On September 4th, a month and a half later square gave me notice that they would be withdrawing $702.04 from my bank account for unknown reasons, unknown as to why? Not an option as to a resolution, an argument, explanation, nothing! Just were taking $702.04 from your account and that’s that.

If I can give these piece of ** a 0 star I would. For the past year I have been spreading my invite links all over YouTube, Facebook, Craigslist and elsewhere. I literally woke up to non stop rapid fast rate of notification on my phone of these piece of ** refunding back every one and last of the $5 invited I accumulated over a year span. I was in disbelief of what was going on. All my college friends were shock as we look at all the money I gained was just disappearing in front of our eyes. I will never ever use cash app again for what they have done. They also closed my card. All left for them to do is now closed my account by logging me out. I sent them 3 angry emails and all they done was sent me a generic message about some case I never even wrote them about. Must be their way of just side tracking me by not replying and simply ignoring my messages. It's alright though. I will spread this on every forum until they crumbles.

I really hope this review helps someone who went through the same incident as myself. This review is for people who had three (small or big) cash transactions taken out of their checking accounts. I am not a merchant. I do not have the Square Up app, nor the Square Cash app on my phone. I deal with many merchants that use Square Up. I paid a merchant that uses Square Up. I swiped my card, and signed. The purchase was done on a Saturday. I checked my checking account on Monday and right after that point of sale transaction there were 3 $10 cash debits totaling $30 from Square Cash.

Beware of this company! I have never heard of them yet my account has been almost completely drained by fraudulent withdrawals by this company! I am unable to contact customer support because I don't have a sign in or access code. I never created the account! I am thankful I do not have an account with them because of their lack of security. They compare themselves to Venmo and PayPal, to service that I actually do use and have had no difficulty.

If I would of know that is was a hassle I would have never went with this company. They asked for SSI number then I get my Square set up and I do 2 transactions and end up getting deactivated. Mind you I already sent everything they asked for but they were not quite specific so I sent what I could and thought was the right info and could never speak to anyone about it. Come to find out because a transaction that was $1000 is was suspicious and it was placed on hold and then 4 days later I’m told it’s deactivated. I no longer have access to the customer since they moved and cannot meet the customer to write a check or pay cash so thanks a whole Lot. ** Square. Don’t use this crap whatsoever. Not recommend nor would I give a 1 star review. They get a - -10 star from me.

I’ll keep in mind others use this for research or whatever. I will not give this one star for anything. I’m not happy with their customer support or the way they work their payroll. Everyone at my work got paid but me 5 days ago. Again you don’t deserve one star but I’m required to put at least one so they don’t feel so dumb I guess.

On Sunday October 7, 2018 I paid my car insurance with my Cash App card online $401 and Direct General has not received my payment at all. Nobody to talk to. Just sending emails that aren’t getting answered. I have never had an issue until Sunday but this is ridiculous and something needs to be done.

Square's cash app has become a haven for scammers to scam money from people and Square is doing nothing about helping innocent victims get their money back. I was personally scammed out of sending money to someone using the app that I thought was a reputable seller but later found out after about 20-30 people posting about this person scamming them as well that it was a scam. I reported this to support immediately and I know many others did as well that they had sent money to this same individual. It has been a month without any assistance and I just received the following response below. They expect me to bother law enforcement over a transaction under $20? What a waste of law enforcement resources when they know this user scammed multiple people. They do not post anywhere that there is no buyer protection when sending money using the app.

I transferred 150.00 to my cash app on Saturday, it should have taken 24 hours or less to get the funds. As on this morning Monday 10/08 I still have nothing & to top it all off speaking to someone is impossible. Had I known Customer Service was not an option I NEVER would have started using the Cash App.

On October 6, 2018, I completed a request for payment in the amount of $25 via Cash App. The funds were taken from my account and sent to a card not listed on my recipient's account. My recipient double checked their settings and card balance to find out where the funds were deposited however did not see anything. Although My recipient was not able to access the payment, they were able to refund the payment with an option on the app. I, on the other hand, was not able to see any record of a refund on my Cash App account or on my card balance. We tried finding a contact number to speak with someone in support, but it was found that they do not provide phone support. I followed their instructions and sent an email. I am currently waiting for a response from support.

Quite simple, last Friday I sent $670 to my mom... but she changed her phone number, and thus I canceled the transfer immediately (account now linked via other phone number). The Cash App, reflects this cancellation, yet I still HAVE NOT received the funds back in my account (it's been 5 days). I still have an authorization for $670 and that money cannot be used until the authorization is released. I spoke to Bank of America, and they said they are waiting for info from Square Cash. Today is 10/3/18 - my name is Lionel ** - I'm asking Square Cash to stop holding my money hostage... it's bad enough that you charge fees for transfers... use Zelle people, avoid the THIEVES!!!