Square Reviews

We use Square for our credit card processing for two different businesses and have for 5 plus years. We use both options to either swipe or key in. Funds are posted to our account quickly and have only had 1 issue during this time with a charge back. Unfortunately, they tend to side with the consumer more often than not in my experience. We like that we aren't under a contract and there aren't any excessive monthly report fees. The per transaction fee and percentage is manageable.

I have been a Square user for my business for the past two years. I dont do a ton of volume but enough for them to have accommodated me better than they did. I got a new bank account and had trouble getting it on my account. Therefore, I messaged a Square associate who said it was "all set" to put funds in and charge. When I did this they went into my old account which was closed. I lost over 250.00. When I contacted Square they said there was nothing they could do and they could not reverse the charges. I was extremely disappointed and am never using Square again. Small business owner beware!!

I started processing over the weekend with Square. I billed 4 clients and then my account needed more documentation. I supplied all the requested documentation and within 5 hours my account was disabled. It appears they are holding my money. Definitely seems like a scam!

I use Square to collect payments from my clients for contractor work. I had a large sum of money paid to me and square put a hold on it. There was a ridiculous verification I had to do to unfreeze my money. After completing it I received an email stating the verification was accepted and the money would be released and in my account in a few business days. Just 2 hours later I received another email from Square stating that the money was frozen because I had to verify my account again. The same exact thing I JUST DID AND GOT APPROVED. There is no one to talk to. Everything is sent through email and you only get the number to talk to someone after things go really wrong. Very frustrating.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Stay away from Square. Their name/brand is popular however that's about it. When you're a new merchant of theirs and you sell big ticket items - transactions will be limited and/or your funds placed on hold for 90 days...meaning you may have already shipped out items to your customers but you can't get the funds due to Square placing a hold on it. Also they freeze accounts when you have a high surge of sales (i.e. you decided to have a flash sale, or heavily discounted special sale on items) in which the increase or surge in sales or purchase amounts are higher than normal activity for your business, your account get suddenly frozen and customers can no longer purchase from your site/store and you're left looking unprofessional - scrambling for a replacement card processor. Stay away from Stripe payment processor too... They'll do the same thing to you. I'm done with Square and Stripe.

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

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

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

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

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

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

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

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

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

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

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

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

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

I think they are fine. I've only used Square to make purchases and I wasn't aware that it had limits. I've used it to make purchases mostly at the beauty salon. I didn't have to pay a fee to use it. I have only been on the consumer end of Square. As a consumer it's great. I have been fortunate enough to never need to contact customer service for anything during the time that I used Square. As a consumer I was always satisfied with my purchase. As I have only been a customer I have not accessed very many features of Square so I am very satisfied with the variety that they offer me to tip along with my purchase.

The recent changes to the monthly limits are the best thing that they could have done. It makes me very happy and has pushed them into my preferred payment solution. I find the fees to be very competitive. They are fair and are quite low. I happily pay them as they are well worth the service that I receive. They offer high-quality customer support. The representatives know their products very well and are always cheerful and happy to answer any questions. I find that they offer all of the solutions that I need. They have enough solutions to make choosing the right one for my business was easy and straightforward.

Monthly limits are reasonable to the average consumer. I cannot see anyone spending more in a month. They charge for reasonable things and they do not add on mysterious fees like some other companies. Customer support is always friendly and welcoming. They try to help you with any questions you may have without transferring you to another customer representative. Not too much variety to choose from, but the few choices I do have are enough to cover any concerns I may be having.

2.75% is not really a bad discount rate. And your money's there in a couple of days. The chargeback time is in line with other and reading services so l do not really have any complaints. It's generated more business and that offsets any limits to me. 2.75% is average. Chargeback Protection is free for all Square merchants and covers eligible chargebacks up to a total of $250 a month. 3.5% plus 15 cents for charges on cards that don't have a chip... I got 0 complaints. Customer support is there when you need them and they are helpful and courteous and will spend the time it takes to resolve your questions or problems. Now they are offering Apple pay which definitely gives you an advantage on the competition! It allows me to take any charge my customers have wanted to use.