Square Credit Card Processing Reviews & Complaints

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Company Overview

This article is focused on credit card processing using Square for established businesses and industries, such as retail, food service, and ecommerce. The article provides an in-depth review of Square's point of sale options and card readers, as well as an analysis of user reviews. It also examines common complaints and fees associated with Square's credit card processing, comparing them to traditional merchant services companies.

Square's Card Reader and POS

We will also provide an analysis of Square's card readers and point-of-sale options, including the Square Reader for contactless and chip as well the company's retail and restaurant POS. These hardware options are compatible with a range of mobile devices, including smartphones and tablets, making them an attractive option for businesses that require a portable payment processing solution.

Square's Additional Features and Services

Additionally, we will cover various services provided by Square, such as its Kitchen Display System, Square Terminal, and Integrated Reservation and Waitlist Management. Readers who are interested in Square's specific services can find more detailed reviews through links provided in the article.

Square User Reviews

User reviews are a crucial factor to consider when choosing a credit card processing provider. This article provides an analysis of user reviews, highlighting the strengths and weaknesses of Square's services as reported by actual customers. We also cover common complaints about Square's services, such as issues with customer support, funding holds, and account stability. By highlighting these complaints, we aim to help business owners understand potential pain points and make informed decisions about whether Square is the right provider for them.

Square's Fees

Fees are an essential consideration when choosing a credit card processing provider. This article provides an analysis of Square's fees, including transaction fees, chargeback fees, and hardware costs. We'll compare Square's fees to those of traditional merchant services companies, providing businesses with a valuable benchmark for evaluating the cost-effectiveness of Square's services.

Is Square Holding Your Funds Right Now?

Before we get started, thousands of merchants have reported payments frozen by Square. If you're one of the business owners that are using Square, then you might find the following resources helpful:

Started By The Original Twitter Founder

Square was founded in 2009 by Jack Dorsey who also founded Twitter before it was bought by Elon Musk. The company grew rapidly and Square became a public company in 2015 under the “SQ” ticker. The Square corporation rebranded to “Block Inc” in 2021 but continues to operate it's payment processing services under the Square brand. Much of the company’s success can be attributed to its then unique take on smartphone credit card processing (See: Best Mobile Credit Card Processing Apps) and by being the first to market such technology to small businesses owners as well as everyday people.

Quick Sign-up and Intuitive Design

Signing up for Square's payment processing is simple: users simply visit Square's website to fill out a short form and await approval, which typically happens instantly. Once approved, users can choose from hardware options such as a card reader that connects to a phone or tablet via Bluetooth, or a from dedicated point-of-sale devices that can be used on a countertop or taken to the customer. Square has been so successful in the mobile credit card processing industry that it has inspired numerous competitors.

square for retails transaction rates
Square For Retail offers 3 tiers of fixed pricing.

Payment Processing Designed for Specific Industries

Square has placed particular attention on common industries with predictable sales patterns and low risk of fraud and chargebacks. Below are the business types that Square targets with its marketing.

Square for Restaurants and Bars

Square offers an extensive suite of services and products for the food and beverage industry, catering to various business types. Below, we explore Square's specialized features and solutions for quick-service restaurants, full-service restaurants, bars, food trucks, bakeries, and catering services. First we'll cover features that are found with all the industry specific POS options.

Staffing and Scheduling

Square's software solutions provide bars and restaurants with tools to manage their unique staffing needs more effectively. Time tracking and role-based permissions are two features that can help businesses manage their workforce more efficiently. Time tracking allows businesses to accurately track employee hours, manage payroll, and ensure compliance with labor laws. Role-based permissions allow businesses to assign different levels of access to employees based on their job responsibilities, ensuring that sensitive information is only accessible to those who need it.

Offline Payment Processing

Square's offline mode is a valuable feature that ensures seamless payment processing even without an internet connection. This feature is particularly useful for businesses that operate in areas with limited connectivity or are prone to internet outages. With offline mode, businesses can continue to process transactions and accept payments without any interruption, reducing the risk of lost sales or dissatisfied customers. When an internet connection becomes available, Square will automatically sync all offline transactions and update the business's records. This feature provides businesses with peace of mind, knowing that they can continue to operate even in challenging environments. Overall, Square's offline mode is a useful tool that provides businesses with flexibility, reliability, and seamless payment processing.

Insights into Product Performance and Customer Preferences

Square's software solutions provide valuable reporting tools that can help restaurants gain insights into their product performance and customer preferences. By tracking sales data, restaurants can identify which menu items are most popular, track inventory levels, and make informed decisions about restocking and pricing strategies. This can help restaurants reduce waste, optimize their menu offerings, and improve their profitability.

In addition, Square's reporting features can provide restaurants with insights into customer preferences and purchasing behaviors. By analyzing sales data, restaurants can identify trends and patterns in customer behavior, such as peak ordering times or popular menu items. This can help restaurants tailor their offerings to better meet the needs of their customers and improve their overall dining experience.

Customizable Menu Options

Square's software solutions offer customizable menu options and item modifiers that provide restaurant owners with the flexibility to manage a wide range of products with ease. These features allow restaurants to modify, add, or remove menu items quickly and efficiently, making it easy to keep menus up to date and to accommodate customer requests. With item modifiers, restaurants can add specific instructions or preferences to menu items, such as cooking preferences or dietary restrictions, improving the dining experience for customers.

Next, we'll cover features for specific food and beverage businesses.

Quick-Service Restaurants and Cafes:

Speedy Transactions for Fast-Paced Operations

Square Terminal and contactless payments are tools that can be beneficial for quick-service restaurants and cafes. Square Terminal is an all-in-one device that can process transactions, refunds, and print receipts. This device can help businesses save costs and streamline their checkout process. Contactless payments allow customers to pay quickly and securely without exchanging physical cards or handling cash. This not only speeds up the transaction process but also enhances the overall customer experience. Additionally, contactless payments can improve security and protect against fraud as sensitive payment information is encrypted and securely transmitted during the transaction process.

Mobile Ordering and Pickup Options

Square Online provides an option for quick-service restaurants and cafes to offer mobile ordering and pickup to their customers. This feature caters to the on-the-go nature of customers who want to quickly and easily order their food without having to wait in line or be physically present at the location. With Square Online, customers can place their orders remotely, and then pick up their orders at their convenience. This feature provides greater flexibility and convenience to customers, improving their overall experience with the business. For quick-service restaurants and cafes, this feature can help increase sales, reduce wait times, and improve operational efficiency.

Order Management with Kitchen Display System

The Square Kitchen Display System (KDS) is a tool that aims to help quick-service restaurants manage orders efficiently and provide fast service to customers. With the Square KDS, orders are displayed on a digital screen, allowing kitchen staff to prioritize and manage them in real-time. This helps to reduce wait times, increase order accuracy, and improve overall customer satisfaction. The Square KDS also provides features such as order tracking and timers, which can help staff manage their workload and ensure that orders are prepared and delivered in a timely manner. By streamlining the order management process, the Square KDS can help quick-service restaurants improve their operational efficiency, reduce errors, and provide a better experience for their customers.

Square Kitchen Display Example

Full-Service Restaurants:

Table and Floor Plan Management

Square provides a range of features and tools that enable quick-service restaurants to manage their dine-in services more efficiently. One of the key features of Square for restaurants is its comprehensive table and floor plan management tools. With these tools, restaurants can create and manage floor plans, assign tables to servers, and monitor table status in real-time. This allows staff to coordinate their services more effectively, ensuring that tables are assigned to servers efficiently and orders are taken and delivered promptly.

Pay-at-the-Table Functionality

Square Terminal's pay-at-the-table functionality allows customers to pay for their meals directly at the table with their credit cards. This feature reduces wait times and provides a more secure transaction process.

Integrated Reservation and Waitlist Management

Square's Integrated Reservation and Waitlist Management system provides quick-service restaurants with a useful tool to manage their reservation and waitlist processes. With this system, restaurants can manage their reservations and waitlists in one place, simplifying the process and reducing errors. Customers can easily make reservations online, and restaurants can manage them with real-time updates, reducing the risk of overbooking or other scheduling conflicts.

Bars and Nightclubs:

Inventory Management Features

Square's inventory management tools enable bars an nightclubs to track their alcohol and ingredient stock levels. This feature helps businesses monitor their inventory in real-time and ensures that they have enough supplies. Additionally, Square's inventory management tools provide insights into which items are popular and which ones need to be restocked, allowing bar owners to make informed decisions about their inventory management strategies.

Tab Management for Accurate Billing

Square's payment system simplifies opening and closing tabs, reducing billing errors and ensuring accurate charges. With features like tab management and easy payment processing, customers can quickly and easily start and close tabs without confusion or mistakes. This improves the customer experience and helps businesses avoid costly billing errors.

Food Trucks and Mobile Vendors:

Compact and Portable Hardware Solutions

Square Terminal offers a compact, portable solution for quick setup and teardown in mobile food and beverage businesses.

Location-Based Services

Integrate location-based services with Square Online to help customers find and order from mobile vendors.

Catering and Event Services:

Scheduling and Management with Square Appointments

Square Appointments simplifies scheduling and managing events and bookings for catering services.

Efficient Invoicing and Estimates Features

Square's invoicing and estimates features streamline billing and payment management for catering clients.

Square Restaurant POS Example

Learn more about Square's food and beverage POS here.

Square Credit Card Processing for Retail Businesses

Square offers a wide range of services and products tailored to the retail industry, accommodating various retail business types. Below, we delve into Square's specialized features and solutions for brick-and-mortar stores, online retailers, pop-up shops, and specialty retailers.

Brick-and-Mortar Retail Stores

Point-of-Sale System for In-Store Sales

Square for Retail offers a comprehensive POS system with inventory management, customer profiles, and employee management tools, streamlining in-store sales and operations.

Integrated Hardware Solutions

Square Register and Square Terminal provide seamless hardware integration, simplifying transactions and enhancing customer experience.

Advanced Reporting and Analytics

Square's reporting and analytics features deliver actionable insights into sales trends, inventory management, and customer behavior.

Online Retailers

Easy-to-Use E-commerce Platform

Square Online provides a user-friendly platform for creating customizable, professional online stores that integrate seamlessly with the Square POS system.

Shipping and Pickup Options

Square offer customers a variety of shipping and pickup options, including in-store pickup, curbside pickup, and shipping integration with major carriers.

Secure Payment Processing for Online Transactions

Square's focus on providing a secure payment processing system ensures safe and reliable online transactions for customers.

Learn more about Square's retail POS options here.

Other Square Services

Since the launch of the Square card reader and mobile app, the company has rolled out several other services for both business owners and personal use. Below are links to our specific Square reviews for these services.

  • Square Register is a point-of-sale (POS) device that is intended as an all-in-one payment terminal for retail businesses. The company has options tailored for retail POS, restaurant POS, food truck POS, coffee shop POS, as well as a few others.
  • Square Online Store is an Square's online store builder for selling products over the internet.  The platform is simple to use and quick to set up. The service has no monthly fees and the only cost is the card transaction fees from your sales.
  • Square for Retail is Square's point-of-sale system specifically designed for brick-and-mortar retailers. The service is similar to Square Register but includes a revamped checkout process as well as additional features such as enhanced inventory management, employee accounts, cost of goods sold, purchase orders, vendor lists, and more.
  • Square Cash is a direct peer-to-peer cash transfer service that is linked to a user's debit card. Cash sends payments via email and smartphone and allows for free transfers of funds between users. The service is not targeted at business owners, but they may use it to make payments outside of a business setting.
  • Square Capital is a Square's business loan program that can be activated from the dashboard in the Square Register. Square Capital allows merchants to receive a large upfront cash amount and then pay that total back over time with a fixed percentage of their daily credit card sales, similar to a merchant cash advance.
  • The company has also recently launched several other service including a virtual terminal that can be used on any device, an self-serve orders app called “Square Order,” an online invoicing feature called “Square Invoices,” an online scheduler called “Square Appointments,” and an offline processing mode that enables merchants to capture payments even when their internet is down.

Industries Square Does Not Serve: Prohibited Industries

While Square offers an extensive suite of services and products catering to a wide range of industries, there are certain businesses that it does not serve due to legal, regulatory, or compliance reasons. This short section highlights industries and business types that are prohibited according to Square's list of restricted industries. Attempting to process payments with Square in the following business types will result in your funds being withheld and the termination of your account.

Regulated Products and Services

Square does not support businesses that deal in the sale or distribution of regulated products and services, such as narcotics, marijuana, drug paraphernalia, e-cigarettes, firearms, ammunition, and explosives. The company does, however, provide payment processing for CBD businesses (See: Best CBD Payment Processors)

Adult Content and Services

Businesses involved in adult entertainment, products, or services—including but not limited to pornography, escort services, and adult live chat features—are not supported by Square (See: Best Adult Industry Payment Processors).

Financial and Legal Services

Square does not cater to businesses offering certain financial and legal services, such as investment and credit services, bankruptcy attorneys, collection agencies, and payday loans (See: Best High-RIsk Merchant Account Providers).

Gambling and Betting

Businesses involved in gambling, lottery, or betting activities, including online gambling sites, sports forecasting, and odds-making, are not supported by Square (See: Best Merchant Accounts for Gambling Businesses).

Illicit or Unethical Activities

Square prohibits any business involved in illicit or unethical activities, including those that promote hate speech, harassment, discrimination, or that violate intellectual property rights.

High-Risk Products and Services

Businesses dealing with high-risk products or services, such as telecommunications equipment, prepaid phone cards, phone unlocking services, or those that pose a high risk of fraud or chargebacks, are not supported by Square (See: Best High Risk Payment Processors).

Pros & Cons
Pros: Cons:
Simple Pricing Poorly Rated Customer Support
Mobile, E-Commerce, and POS Doesn't Serve All Business Types
Versatile Expensive For High Volume Businesses
Easy to Use Numerous Customer Complaints

Square Customer Reviews

Here's What Their Clients Say

Customer Reviews Summary
Total Online Complaints 2,300+
Live Customer Support Active Merchants Only
Most Common Complaint Fund Holds
Lawsuits Yes

Where Square Falls Short

Another area that Square comes up short in this review is its customer service. Square has racked up a lot of complaints (more than 2,300 just in our comment section below). The majority of reviews complaint of virtually nonexistent phone support and funding holds. Additionally, the company has not been active in attempting to resolve online complaints.

Square / Block Lawsuits

The company has defended against several lawsuits:

  • In 2018, Square settled a class-action lawsuit filed against its food delivery service “Caviar”. The company was alleged to have withheld money from delivery workers left by customers as gratuities from 2012 to 2015 and agreed to pay $2.2 million dollars under the settlement.
  • We have found evidence of multiple other lawsuits from the last few years. In 2019 Square was accused of mishandling the way it dealt with information concerning payments for medical procedures. The suit was dismissed with prejudice later that year.
  • In another class-action suit, Square faces charges of holding large amounts of funds from merchant accounts that it deemed high risk. Square has received numerous complaints relating to these charges over the years, and this case is ongoing.
  • A 2021 class-action suit has been brought against Square and other major credit card processing companies over what the complainants call price-fixing over the use of the interchange fee.
  • A potentially major suit was brought against Square CEO Jack Dorsey in 2021, in which a Twitter shareholder claims that Twitter gives “broad access” to user data to advertisers and that Square, Dorsey’s other company, has “benefitted wildly from this disregard for privacy.” The suit has wide-ranging implications for Square if it succeeds, as it seeks to remove Dorsey from Twitter and force both companies to undergo major reforms.

Square Customer Support Options

The company appears to rely too heavily on customer service provided by email, its support forum, and social media. The company does have a customer support phone number that operates from 6 a.m. to 6 p.m. PDT (see How to Contact Square), but merchants and business owners must request and receive a code from the Square website in order to actually reach a representative.

Only Active Accounts Get Real-time Help

Phone support codes are only provided to active Square merchants, meaning that deactivated accounts will be unable to reach support. It is our position that deactivated accounts are the businesses who have the greatest need for phone support. Business owners who prefer to have access to full-time, in-house support staff are better off choosing a conventional merchant account provider.

Long Wait Times

Merchants are waiting up to several days for a response from Square, by phone or email. Many users also report that Square has not satisfactorily responded to their support requests. Many Square reviews report disbelief that a company as large as Square lacks direct phone support.

Beware Square Phishing Scams

At the time of a previous update, numerous non-Square users claimed to receive emails from Square regarding non-existent accounts. These emails stated that Square was having trouble depositing sales into the user’s account. It went on to instruct the to supply account details to receive their payment. These emails are very likely to be Square phishing scams. Such scams are designed to trick users into providing personal information. They do not have any connection to the actual company Square. If you receive a suspicious email regarding your Square account, forward it to [email protected].

Square Competitors & Alternatives

We recommend Helcim as the top alternative to Square. Both services offer an easy to use mobile payment processing device that works with most mobile devices and tablets. Helcim offers a month-to-month contract, no monthly or annual fees, customer support phone line, next-day funding, extremely low processing fees, and QuickBooks integration. Helcim has also been consistently reviewed as one of our top-rated processors since we first reviewed it almost ten years ago. We feel that the company provides all the functionality that Square offers with a much smoother customer experience. For more information please read our full Helcim Review. If you operate a “high-risk” business, please out list of high-risk credit card processors.

Square Online Ratings

Here's How They Rate Online

Online Ratings Summary
Product & Service Complaints 3,626
Billing & Collection Complaints 1,115
Advertising & Sales Complaints 65
Guarantee & Warranty Complaints 18
Delivery Complaints 199

Note: We have adjusted this company’s BBB rating according to our own standards. To better understand why we adjust BBB ratings, please see our Rating Criteria.

Square’s BBB Complaints on the Rise

As of this update, the Better Business Bureau is reporting an “A+” rating for Square despite 5,023 complaints filed in the last 36 months. Square complaints have skyrocketed since we first published this review in April of 2011.

How the Complaints Break Down

Of the 5,023 total complaints, 3,626 are regarding problems with service, 1,115 with billing and collection, 199 with delivery problems, 65 with advertising and sales issues, and 18 due to guarantee or warranty issues. The BBB previously added a note stating that it has received many complaints regarding Square’s fund-withholding procedures. Square responded by quoting its Terms of Use policies and referring to the help section of its website. It does not seem to have made any tangible change to its fund-holding policy in response to this notice. Square has resolved 1,773 complaints while the remaining 3,250 either were resolved. It should be noted that fewer complaint appear to be getting resolved compared to previous updates.

What Merchants Say

Square has also received 381 informal reviews to its BBB profile, with only 6 positive in tone and 375 negative. The most recent review describes potentially fraudulent charges and a lack of customer service:

********************** took money from our new business account. A recent new startup business. They claimed it was from a different business that was closed long ago, that was in someone else’s name. It had nothing to do with us. We provided them with all the documentation they requested yet they kept trying to debit the account, costing us a lot of money in fees. We were eventually forced to close the account just to stop them from debiting. Fortunately the bank manager had been through this with customers who use ********************** before and sided with us. The ********************** “Customer Success” team was absolutely horrific. It literally took weeks to speak to a real person. They lied to us multiple times, on recorded calls. Even telling us, more than once, that the “Recovery Team” doesn’t have phones (yes, they actually said that)They have done nothing to resolve the costs they incurred us. They cannot give us any details of the supposed transaction(s), dates, company, customer or any other information on why they fraudulently (in my opinion) took money to begin with. We have, to date, spent over 40 hours trying to resolve this issue with **********************. Finally, after nearly two months a real person called. The end result was they still refuse to pay us back for what they cost us and still insist we owed them money. They offered to issue us a “******” for the amount!. The thing is, we DON’T owe them. Never have.

This merchant would be better served by one of our top-rated processors.

A “C” Performance

Due to the company’s high complaint count compared, we have adjusted the BBB’s rating to a “C” for the purposes of this review.

Square Fees, Rates & Costs

A Closer Look at The Contract

Cost & Fees Summary
Swiped Rate 2.60% + $0.10
Keyed-in Rate 3.5% + $0.15
E-Commerce Rate 2.90% + $0.30
Monthly Fees $0

Square’s Processing Fees are Simple

One of the most appealing aspects of Square for business owners is the lack of monthly or annual fees. In fact, there  are none of typical of the typical fees found with most other traditional merchant services providers, such as activation fees, monthly fees, gateway fees, PCI Compliance fees, downgrade fees, and early termination fees. Square has no additional monthly fees outside of transaction fees. This means that there are no costs incurred if a business owner doesn’t make any sales.

Fees by Transaction Type

Square used to offer a very competitively priced magnetic stripe card reader, but following the switch to chip cards in the U.S., users are encouraged to purchase the chip card reader at a still-low cost of only $49. The company offers a single processing fee option for all merchants using Square Reader or Square Register.

Square’s fees are:

  • 2.6% + $0.10 for swiped transactions
  • 3.5% + $0.15 for keyed-in transactions
  • 2.9% + $0.30 per sale through Square e-commerce

How Square’s Costs Compare

Square’s swipe rate is about 0.80% higher than what a business could achieve with a well-negotiated traditional merchant account. The keyed-in rate is about 1% higher for the same industries. If you are new business and looking for competitive rates, see our recommended credit card processors. If you are an established business looking for lower fees, consider our independent statement audit service to eliminate hidden processing costs.

High Volume Businesses, Heed Caution

Square does not verify the credit history of its prospective customers so it uses sophisticated systems to avoid fraud losses. The company states that there are no transaction limits, per sale or month. However, such marketing is misleading because numerous Square reviews report that large sales trigger funding holds. Additional, reviews also reports that a high number of sales over a short period can trigger a hold. The policies regarding such holds are not disclosed and no advance warning is given.

Square’s Previous Rolling Reserve Policy

Until November 2013, Square placed holds on funds of card-not-present sales if over $2,002 was charged within any seven-day period. This meant that if a merchant processed $2,100 in sales within seven days, the extra $98 would be held by Square for 30 days. This policy caused confusion among users because Square did not provide any warning before the $2,002 limit was reached. Square now says that merchants can process transactions of any type and size without worrying about a processing limit, but this is not entirely true.

Related: How to Stop Square From Holding Your Money

Square’s Current Fraud Triggers

Square’s current primary tactic to limit fraud is less transparent than its previous rolling reserve policy, which is why it has a low score in this section. Square seems to rely on undisclosed algorithmic “risk factors” to automatically hold business transactions that it considers suspicious. The payment processing system appears to flag many legitimate transactions, causing problems for some merchant accounts. Complaints have emerged that Square has randomly placed lengthy holds (over 30 days) on funds, even those swiped in person, without explanation or notification. When a transaction is flagged, Square will either contact the merchant for more information about the merchant or transaction, or deactivate the merchant’s account.

More Transparency Needed For Risky Transactions

This protocol lets Square publicly claim that it does not hold merchants’ funds because the withheld funds technically belong to “deactivated” Square merchants instead of “active” Square merchants. Square’s policies on fund holding and risk mitigation are very unclear and make the service risky for higher volume merchants. Square needs to do a better job of educating merchants about transactions that could lead to account deactivation. Steps the company could take include issuing a warning before processing transactions that will be held, immediately informing merchants when transactions have been held, and communicating with merchants throughout the hold process.

Some Minor Improvements Could Raise Square’s Rating

In most respects, Square has favorable pricing and contract terms for merchants. It has a simple signup process, affordable equipment costs, no monthly fees or long-term contracts, and easy-to-understand pricing. However, sudden account deactivation can greatly impact a merchant’s operations, so the grade for this section will not reach “A” until Square improves its risk mitigation procedure.

Square Employee Reviews & Sales Tacitcs

Should You Work For Them?

Jobs & Marketing Summary
Employs Independent Resellers No
Advertises Transparent Rates Yes
Discloses All Important Terms No
Telemarketing/Door-to-Door No

Working at Square, Employee Sentiment

We take into account a company’s employee sentiment as it can have a direct impact on the client experience. Overall, employee reviews of Square have been positive, with many employees praising the company’s innovative culture, talented colleagues, and commitment to diversity and inclusion. Many also appreciate the opportunities for career growth and development, as well as the company’s focus on work-life balance and employee well-being.

However, some reviews have also highlighted challenges such as long work hours and high expectations, as well as issues with communication and transparency. Additionally, some employees have raised concerns about pay and benefits, particularly for those in entry-level or support roles.

Overall, Square appears to be a highly regarded employer, with a strong focus on innovation, employee development, and diversity and inclusion. However, as with any workplace, there may be some areas for improvement, and individual experiences may vary.

How Square is Different from Traditional Merchant Account Providers

Square differs greatly from traditional credit card processors in how it markets its POS systems and sells its service. Most merchant account providers hire poorly trained outside independent agents.  These agents are trained to set high fees in exchange for big commissions. Square instead relies on online marketing and partnerships and does not hire outside sales agents. Nearly all of Square’s users sign up directly through the homepage of the company’s website. Square has also benefited from an enormous amount of online buzz and word-of-mouth promotion.

Beware of Processing Limitations

Square markets its pricing with a straightforward and easy-to-understand message. However. the company fails to mention anything about its fraud mitigation policies. These policies have caused significant problems for many businesses and some have complained of large financial losses. Numerous Square reviews accuse the company of misleading marketing. These complaints stem from the company’s fund holding policies and lack of warning on the type of transactions that can trigger holds. There are several industries, that can be found on this page,  deemed as “high-risk” that will find themselves at the mercy of Square’s underwriting and fraud prevention systems.  Such businesses would be better served by a high-risk merchant account.

Our Square Review Summary

Our Final Thoughts

Square is a great card processing option for entry level and low volume businesses. The company is definitely on the right track with providing an easy credit card processing solution with no long-term commitments and no monthly fees. However, several Square reviews from high volume merchants report murky fund holding policies and poor customer support. It appears that Square is best suited for individuals or small business owners who have an occasional need to accept a credit card payment, such as babysitters, flea market vendors, or small retail and restaurant businesses. The service does not appear to be a good fit for merchants that either have a high volume of credit card sales or that sell high-ticket items.

Learn even more about Square’s services here.

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Which is Most Important for You?

If you had to pick one, which quality would you say will be the most important with your next credit card processor? Tap or click your selection to register your vote:

  1. Low Transaction Fees
  2. No Monthly Fees
  3. No Contract
  4. Reliable Customer Support
  5. Quick Signup

Testimonials & Complaints

How Did Square Treat You?

1095 User Reviews

  • Deborah Billings

    The Firm Cryo Spa & Wellness Center

    DO NOT USE SQUARE – THEY ARE CROOKS!! I set up an account with Square to process payments specifically for Spa Finder Gift Cards. The account processes them seamlessly. I began in May 2023 and the funds never transferred to my account. I kept thinking I had something set up wrong and kept trying different settings and re-entering my account info. When I finally gave up and called them to ask for help setting up, they said they would have to refer me to another department higher up for review and they would email me. I instantly received an email stating my account has been deactivated. They stated that my funds will be released in February of 2024. (This was November 8, 2023). No explanation…nothing. Every time I call they say “the decision is final.” They will not forward me to a supervisor or anyone else… Always…the decision is final. I even had my banker call them and tell them the code and laws stating this is illegal to hold the funds for 10 months. I cannot speak with anyone and they only send generic email saying “account is deactivated”. They are holding over $5K of my money and I am a small, local business…this is literally my payroll. I do not know what else to do. How are they legally allowed to do this?

  • Karen O'Connor

    Square is horrible! I used them prior to covid, but my business hit a bump. This year, I was able to start back up and I used Square – and now they are not only charging me the fees, they decided for no reason to hold onto my funds (significant amount) for 3 months before they will release the money into my bank account.
    Now, I am basically screwed again. I tried calling Square, besides sitting on hold for so long – they said they could give me no information as to why they “deactivated” my account, but also they are holding onto over $20,000 of my client’s funds. I can’t hire an attorney, it is taking all my money to get my business started again. NEVER was I asked to give any information, in fact I continued getting information from Square stating to continue taking transactions. It wasn’t until after they accepted the transactions did they decide to ask for more information on my business. I supplied them with everything they needed. I went to transfer my money from the transactions into my bank but I got the surprising notice, “We are deactivating your account and holding your funds for 3 months”. This is outrageous. I even called my bank and they said they had never heard of a company allowed to hold funds for 3 months without any explanation at all. SCAM

  • Jo Carr

    The Gypsy's Farmhouse

    My Square system has been malfunctioning for over a year. I have been relentlessly trying to get resolution for a very VERY long time. Today I have told them I will hold all day to get to the bottom of my issues with Square. I am a small business owner who works 7 days a week. I know they are hoping I just go away and give up. I won’t. I had to purchase a new card reader for $50. They sent it to me. It did not work. I asked them to expedite a new one, they sent regular UPS. My system is now operating worse than it was before I tried to change out the card reader. I have lost thousands of dollars in sales from a glitch in their system. Merchandise that was “sold” to customers that we never received payment for, but I have had to pay my vendors. I have been sick over this and finally had a nice lady by the name of Maria tell me they would give me $3,000 in processing fees and I was so excited to get part of my money back. I am now being told I was misinformed. This is after months of promises that someone in management would call me back to help resolve issues. No one has ever called me back. Square is the absolute worst and I will be changing processing companies as soon as possible! BUYER BEWARE!

  • Tony

    QC CHARGE

    My comments are likely much that same as every other. Square is a mess.

    I started with them several years ago, but at the time, we were doing MILLIONS of dollars in business with PayPal. Heck, I borrowed over $500,000 from PayPal, with the click of a button. Super easy. But, like all good things, PayPal had a hiccup with us, so we started using our Square account.

    At first, things went quite smoothly, particularly for the middle of COVID in 2020. Then, fast forward to 2022, when we had a charge-back. Like every charge-back we have ever had, we lost, and the “customer” got all the money (and it was a sizable amount). This is shared by ALL the credit card companies… the customer will win 95% of the time.

    Then, we had a two other charge-backs, both from the same customer. Both disputed amounts were “thousands” of dollars. We also had a charge-back on our PayPal account, too.

    Square immediately cancelled our account. Here’s where is gets weird… we WON ALL THREE of these most recent charge-backs!!! Never in ten years of business have we EVER won a charge-back, and now we won three in a row.

    But, we are fighting with Square to release the money. Of course, they TAKE the money IMMEDIATELY, as soon as they get the charg-back. You, the merchant, is a criminal until proven innocent.

    And, even with a “win”, we will probably have to sue them to get our money. Then, I have no idea how we will collect it, WHEN we win.

    Block, Inc.
    Attn: Square Arbitration Provision
    PO Box 427069
    San Francisco, CA 94142

  • Joao Vieira

    harmonic Alpha LLC

    You report them to the attorney general ,if you can’t find an attorney to sue them , for violation of their advertising and antitrust laws, you complain to Attorney general, or State attorney.

  • Joao Vieira

    Harmonic Alpha LLC

    I am involving AG , they are engaging in deceitful advertising practices.

    They stopped my payment processing without any reason whatsoever, but I was getting pissed off this time, and they tried to save face.

    They scam people when they promise instant transfers, that they don’t deliver/process.. initially, when I was setting up my account, I gave them some slack…but, no longer.. now , they have my money.. I lost yesterday $1,000 because of them.

  • John Creo

    Creo Construction Services Inc

    They have been holding my money for months. I get no where with them when I call. They just keep telling me my account is under review and the will expedite it but nothing ever happens. I’m out over $100K not good!

  • Travis

    I use Weebly for my website and was forced into connecting with Square. I made one or two sales through Square before deleting my shop from my website. Then Square got hacked and my account was deactivated. Now I cannot log into Weebly or Square and there’s no method of contact for either. Today I received an email from Square stating they plan to take $488 from my personal bank account due to a dispute over sales made while my account was hacked. I did not even have an online shop when I was hacked! Now what??!

  • Mike

    Square is a totally rip off company. My wife is being denied her money. Someone should put this company out of business once and for all. Non US based terrible customer support. Next stop: Attorney General office in California.

  • P. Julian

    Unfortunately, we’ve also become a “victim” of squareup. They’re ‘blackmailing’ us with our own money for info that their rep told us they wouldn’t need. Our 1st charge went thru with no probs. Now, the 2nd and 3rd charges (the big $ ones) are being ‘held’ until we provide more info. They even did this info request in a shady way: they started it with 7 questions. We answered them, now they have 5 more. We specifically asked the sales rep if they would need bank statements and other financial data. We didn’t want to have to provide this info (too time consuming) and were excited when she said “no, just sign up and start accepting payments.” Technically, she didn’t lie. We didn’t have to provide any of this during the sign up. Morally, she lied her butt off. Once we signed up and had some charges in our acct, they slapped a hold on our pay outs. They’re not only asking for bank info, tax records, gov’t licenses; but they also want our customer info too. Including: names, addresses, email addrs, phone #s, etc. You might not think this is a big thing, but their terms make little provision for safeguarding this info. I’m not a lawyer, but I’ve read over the terms (general & payment) again and I see nothing that indicates they would or could do this. This is truly nothing short of blackmail except they have the money upfront. Now they want all of our company data to resell. Honestly, there’s no other reason they’d need this info. We have a physical card reader and service with another major worldwide company who didn’t require any of this. This is a scam of the first-degree! If you don’t mind having your funds held hostage and giving up all of your company info…by all means…sign up today. As a side note: the BBB isn’t much better so don’t use their A+ rating of this company to base your decision. They protect the company that pays them for the rating, not the consumer. If a company isn’t listed with the BBB, they’ll be all over them with bad press and a low rating. The San Fran BBB has 520 bad reviews on their website, but they give square an A+ rating. Can you smell the rotten fish???

  • Ralph Bevilacqua

    Patriot Coatings and Concrete Restoration

    this company is a scam do not trust them i have been trying for three weeks to get my 3,000 dollars and they keep giving me the run around this is a bad choice to do business with them they will keep saying you will get and email but it never comes well you Stoll from the wrong company and a city credit card im going to my governor to let them know that the city of Tallahassee should not use SQUARE any more and let the district manager for every one who sells SQUARE KNOW what i have been threw i have recordings of their bad customer service and they admit to not even being in this country.

  • MIKAEEL ABDUL-MALIK

    NYCT

    Make sure you get your refund before you deactivate. I signed up for this service. I was so excited about starting my online store. After about an hour of fiddling around with the service, I realized it was not good for me.That’s another story. Anyway in my confussion I for got to deactivate/cancle the account. Then I noticed they debited my bank account the folowing month. I immediatly deactivated the account. But when i attempted a refund, I could not get it because I am no longer allowed into my account even though I’m paid up for the month. I tried to call them, but if you can’t log in they won’t talk to you. This company has some shady business practices. I’m in the process of disputing it with my bank, but have to wait for the funds to clear. At that time I will let you know what happened.

  • Lorie Bridges

    Mae Ship Media

    I have recently been charged $440 by square for one of my client’s delinquencies. They have associated our accounts saying I own them both. I have sent all the paperwork they asked for – but they won’t accept any of it and will not tell me why. They just keep sending me the outline of what documents are acceptable. I would love to join a lawsuit against them. My business is helping others set up their business – and with that reasoning – they could declare me responsible for any and all client debt pertaining to that client’s square account. I am flabbergasted. They refuse to offer phone support. I never received a notice of funds due or owing until the day they withdrew those funds from my personal account. My account has never been in debt in all the years I have been with square. How can we get involved in a class action?

    • Dr. Tonia Renee Lee

      Lawton-Ft. Sill Graduate School of Theology

      I too have experienced a similar problem. Two customers charged $30.00 each for my services. Instead of crediting my account with the money, they deducted the $60.00 stating that I owed them $230.00 for a Lawn Care Service connected with my school. Thankfully, I did not have that much money in my business account, so unfortunately though it made me overdrawn by $172.00. I put a stop payment on it with my bank. They went as far as to say I owned the Lawn Care Service. I have never owned or had business with a lawn care service. It is frustrating! I had to send them the same legal papers. It is an insult to tell me I own something that I don’t and that I am going to have to pay the bill even though I don’t even own the Lawn Care Service. If you file a class action lawsuit, I will join it with you!

  • David Saunders

    Saunders Properties KC

    Square card processing service are actual thieves.

    I opened an account, received my first payment.

    Had to wait for account verification for a week. The day before the balance would of been transfered I get an email saying my account has been deactivated and I would receive my balance in 90 days.

    I replied asking why and was told they can’t tell me why and can’t send my balance for 90 days.

    I called customer support, and was also told they can’t tell me why the account was closed. I asked to escilate my call to a specialist and was told they can’t escilate calls from deactivated accounts. I asked for a phone number to their legal department and was told they can’t give out any information to calls from deactivated account and that she has to end the call…

    So your telling me,

    There is a problem,
    I can’t fix it, you can’t fix, I can’t tell you what it is, I can’t tell you who can fix it, I can’t tell you who can tell you about it, and I can’t tell you how to reach our legal department to explain why square is robbing you…

    This isn’t over….

  • Sam Land

    DLD

    Square’s customer service is terrible! Suddenly they have held our deposits for all transactions almost $25,000 without explanation. When we called we were told that 2 transactions needs to be refunded to our customer without any explanation even though they are legitimate transactions. We provided all the customer information along with invoices. They have not provided any response since. What is puzzling is why they’re holding all the transaction funds not just the 2 transactions in question. We’ve contacted them several times for details, none are provided. Even in the account where we log in, there is no information provided on charge backs if any. They sent us a no-reply email saying our funds will be held for another 15 days without any details.

    Looks like they don’t have enough money to run their operations and they’re holding all merchants money to use for their business.

    This is very frustrating and we are considering switching to another company.
    Even prior to this, the customer service never had answers on how to troubleshoot the software issues or provide any solutions. They’re not trained at all. This company is fradulent, they should be investigated by FCC, FTC and Bureau of Financial Protections.

  • Anthony Mediate

    We recently lost money because we charged on the magnetic strip of a card and that card had a chip. I inquired to Square and said that the consumer took our product, but was informed that any time that you use the magnetic strip when the card has a chip, the retailer is at risk. The consumer can take your product and deny payment to the card company because you did not use the chip. As a retailer, there is nothing you can do. I thought Square should have informed their customers. We have now switched to SumUp; they charge less per transaction and offer a chip reader for $20.

  • Mel Welch

    Nemadji

    We are a small, startup business which provide extraction services for botanicals – including hemp/CBD. My business also sells several CBD products. As the General Counsel for the company, I work to ensure that our products are compliant with FDA requirements – as well as standard regulatory requirements. Square is – soon was – our company for credit card processing.

    After working with them for several months, Square began withholding money from our transactions and claimed that we were non-compliant with regulatory requirements in statements made on our product website; I responded to their assertions and requests for information – but with every response, I received a proforma response asserting the same information. I was promised specific examples of the noncompliant parts of the website, along with screenshots, and a response within 24 hours – none of which I received. This has been repeating form now for over a week without any advancement, any accountability, and any evidence is support.

    After digging for a dozen hours, I was able to suss out that Square actually imposes a more restrictive requirement than the FDA relating to CBD therapeutic effects. The FDA does not allow companies manufacturing and selling CBD to make claims related to “structure and/or function” as to how CBD affects the body, however it does allow sales puffery. Square exceeds this requirement, disallowing any salesmanship in marketing which complies with the federal regulations but creatively markets the product. In doing so, Square asserts some plausibility behind its theft of its customer’s funds. This was made all the more difficult because Square says that the reviewing department actually cannot communicate with anyone via phone nor do they communicate via email – but only through the online form; couple that lack of communication with their refusal to identify the problem with specifics, and you can see that the department is designed to not actually fulfill its alleged function of “investigating” and correcting errors.

    If Square is going to have antipathy to CBD products, which are fully legal under Federal and State laws, it should advertise that it is not a Hemp/CBD-friendly business; instead it has caused our business to rely upon its assertions of speedy and responsive service while it has not provided the same. In doing so, it creates a risk to our business and to our employees who rely on our business. This is absolutely wrong.

    A phenomenally poor business, with poor customer service, poor communication, poor department structure, and an owner that is a tyrant. I’m currently looking at whether there are active class action lawsuits related to Square’s theft of its customer’s funds, noncompliance with its terms and conditions (i.e., breach of contract), unjust enrichment, or other bad business related actions. If anyone is familiar with one, I would be greatly appreciative if you would inform me at Nemadji.co

    • Stephanie

      LC

      Following. We were recently informed we are paying a 6% CBD related card processing rate although our restaurant does not sell any CBD related products. Do you think you can share with me the process for signing up to sell CBD products with Square? My bet is we were enrolled without our permission so they could charge 6% instead of what should have been .6% we are also a small woman owned, hispanic business on its first year and Square decides to do this. Delinquent behavior indeed

  • Sarah

    ACH is a nightmare with square but honestly my complaint is the complete lack of any customer support….3 weeks in and they still haven’t gotten back to my “respond within 24-48” email and there is NO OTHER WAY TO CONTACT them, the last 5 days I have sent an email everyday thinking that maybe that 1st email was lost but nothing. I have never had a problem with them before but we have switched everything in all 4 of my businesses away from square this week. I can’t be with a company that has NO CUSTOMER SUPPORT because when we need it…!
    The sad thing is this was a donation order for teens for “Fill Santa’s Sleigh” with gifts for foster kids. We are delivering today and tomorrow and we don’t have any donations for the teens because these funds didn’t come in. And no one pulls tags for teens, no one wants to shop for teens, its not “FUN” so we rely on our funds donations for these gifts! I am so frustrated, I am in tears!

  • Robert Maroulis

    Twisted Dish, LLC

    We are a new Food Truck business as of June 2021. We used Square without incident until 12/22/21 when we booked a large account/holiday party. The client paid for all of their employee’s meals in the amount of $3,450 via credit card. Square then came to us after using them all of this time to process credit cards without incident, asking us to verify our business. We supplied all of our business documents including all bank statements. Square then reviewed and sent an email stating they are unable to support our business needs right now and inactivated our account stating their decision is final and is now holding OUR money paid by OUR client without giving us a reason. This should NOT be legal and certainly does not seem ethical by any standards.

  • Scott Heintz

    LEGIT

    If you are looking to grow your business past only being able to process $100 tickets then DO NOT USE SQUARE they will take any large payment you process and freeze it while they audit you and request sensitive personal information from bank account statements to seeing all your invoices asking particulars about your clients. While you jump through all of these hoops just know that they are going to keep any money that you have had them process for a minimum of 90 days. On top of that no matter how much you comply THEY WILL CLOSE OUT YOUR ACCOUNT. NO MATTER WHAT. If you get to the point where they put a hold on your funds or they request any additional information know that there is no way to retain any of the money processed for 90 days and they will lock you out. All it takes is for you to have a customer pay you any large amount like $700 or $1,000. As soon as you run a high amount they seize it. EVERY TIME. They will not work with you, you can’t reason with them. I had all of my documentation down to videos of the project and they shut me down costing me OVER $4,700! Not to mention making my company look bad when they held the funds so that I couldn’t buy the material I needed for the job. After 3 days of waiting the customer backed out. If you want your company to lose thousands and look like a complete jack wad then sure use square if you actually want your buisness to get somewhere and grow USE ANY OTHER MERCHANT. Square doesnt even have live customer service!

  • Ed Lounds

    Broken Plow Farms

    I’m a new business as a vendor at a Farmers market each Saturday. We have missed some business because we don’t take cards. We’re small with limited weekly income at the market. Is there a card reader company that we can use that can service a small company like us?
    Thanks for all the info about Square and what to look for in other companies.
    ED

  • R a D

    Imbellishments

    Lost money with square. Over 50 hours no response to my emails. (855) 700-6000 everyone please note their phone number they do not provide anywhere. When they answer ask to be directed to the debit card or checking dept. And they will transfer you…. Debit card stops.working. no warning no message that anything is wrong no explanation just the usual push off, work ticket , someone will get back to you blah blah . Blessings, I had previously linked another bank account so I was able to transfer my funds away from them today after 50 hours they still.havent done a thing or communicated a thing to me. Report them to who? No federal regs on online banking services. BBB is only an advertising service for their pay to play customers. So report to who? Queen Elizabeth?

    • Rick Luppino

      Lead the way online

      I’ve been waiting over three month for $10000 they held, my only transaction and they said in 90 days I’d get it. The deactivated my account and now say another 30 said due to resent charge backs and this was my only transaction and they held it and deactivated so how are there charge backs. Total availability, affiliate awfully customer service, can’t get in touch wth them, they won’t answer an email. No one should use them.

  • Dan B.

    ABSOLUT SPORT INC.

    We went through the onboarding process and we used the services. We were able to use the card processing services but Square had been holding our funds. They said Square needed more financial documents to authorize the transaction. We provided the documents but no response for a week..

    Later, we got a note they could not support our business needs and they will deposit the funds into our account within 2 business days, probably because we are a tour operator and the pandemic places us in a high-risk business. Why they did tell us that before?? Customer service rating is 0. The account rep was clueless.

    Then they sent us another note a week later saying our funds will be held for 90 days with no explanation. This is not a 5* star company and we moved on to Stripe. Square has terrible customer service and poor crisis management. I wish we had never contacted this bad company. If you choose them be AWARE at your own risk they might hold your funds with no plausible reason .

    ABSOLUT SPORT INC.

  • Jennife

    Square is awful. I had them for over a year, then all of a sudden they had to verify my company. I sent in all my documents, tax ID, and everything they asked for. I waited the two days for them to process it, just for them to deny me and hold all my money for 90 days. When I called customer service they did not help me at all and were very rude. DO NOT USE THEM!!

  • James F Fleming

    There are some major things wrong with Square Inc. Please see below for where to complain and a few notes about my experience.

    California Department of Businesss Oversite
    https://dfpi.ca.gov/file-a-complaint/

    FTC:
    1-877-FTC-HELP (1-877-382-4357), or use the complaint form at
    AND
    https://www.ftc.gov/policy/public-comments

    California Attorney General:
    https://oag.ca.gov/contact/consumer-complaint-against-business-or-company

    ADA- How to file a complaint:
    https://www.ada.gov/filing_complaint.htm

    To file a complaint with the BBB:
    https://www.bbb.org/file-a-complaint

    There’s something very, very wrong at Square. They are abusing their Business customers, withholding funds for unreasonable amounts of time, unfairly closing accounts and all without warning or reason. They have people calling you and using their name to invest money. Have a questionable stranglehold on the market. In bed with Facebook to the point of Censorship.
    Discrimination built into their verification process. No help for the disabled anf Refusal to accommodate the disabled.
    Square is also in violation of the Credit Reporting Act or the Fair Credit Billing Act.

    If you look, thousands of citizen consumers are all having these issues.
    It seems Square thinks it’s all powerful and can do this en mass now.

    And when someone needs assistance and complains, there is purposely no way to get ahold of anyone.

    Some one should do something about this. Probably time for someone to look into a class action lawsuit.

  • ANONYMUS

    anonymus

    Beware…..if you want your money do not i repeat do not use square or square up
    Company business practices should be investigated……..class action lawsuit should be
    made

    Beware beware beware

  • Elijah

    Doesn't matter. I probably have to shut my business down now

    Same as everyone else. They have witheld funds multiple times. But today in the middle of 3 projects I’m starting they froze the payments I took and the money in the square account and I was on E about 50 miles from home. I couldn’t pay my workers and I couldn’t finish buying supplies. This might actually ruin my business and reputation that I worked hard to build. They are withholding over $9k from me. Today was the last strand with them. I am beyond upset and tired of their bad business practice. I’m not sure if I’ll get the funds back. Just when I finally got ahead of things I probably have to refund these owners and still will owe my workers. Square ruins your business, it doesn’t help it. They should seriously be sued and shut down.

  • graham mueller

    holistic human hemp

    Square is hiding in the bushes waiting to rip businesses off just when they get some momentum; they hold funds for no reason, don’t have customer service and turn a blind eye to small business. Square is bad for small business.

  • Paradise

    Jumoke planned it

    Square has took money from my business, and refuses to tell me what account they have sent my funds too! They won’t even acknowledge that they have charged me a fee to instant deposit and still haven’t given
    Me my funds,

  • Dr. John W. Radke M.S. PhD.

    Buffalo Valley Counseling Center

    Square is a bad company. They took money out of my customers Credit Card $805.00 and put it my Bank. Then I had to refund the money and they charged me a transfer fee for their mistake. I emailed them 20 times and they never answered. I called them with a customer code and they said it was not vallid. What a rip off Company. If your thinking about them forget it. Go with Pay pal.

  • Thomas McEniry

    All Pro Roadside

    Square took money from our new business…
    Square took money from our new business account. A recent new startup business. They claimed it was from a different business that was closed long ago, that was in someone else’s name. It had nothing to do with us. We provided them with all the documentation they requested yet they kept trying to debit the account, costing us a lot of money in fees. We were eventually forced to close the account just to stop them from attempting to debit it. Fortunately the bank manager had been through this with customers who use Square before and sided with us.

    The Square “Customer Success” team was absolutely horrific. It literally took weeks to speak to a real person. They lied to us multiple times, on recorded calls. Even telling us, more than once, that the “Recovery Team” doesn’t have phones (yes, they actually said that) So, were have never been allowed to talk to anyone who knows why they are taking money.

    We have, to date, spent over 40 hours trying to resolve this issue with Square. Finally, after nearly two months a real person called. He, even said that the “Recovery Team” doesn’t have phones. Ridiculous!
    The end result of the conversation was they still refuse to pay us back what they cost us and still insist we somehow owe them money, but they’d give us a credit and forgive us our debt.
    The thing is, we DON’T owe them. Never have. Quite the opposite.

    Square refuses to square up with us.

  • J dynak

    Justin tyme

    Have had square for years and had fraudulent charges on my account and they knew about them and they still let it happen and now they said sorry your out the money

  • Victoria

    Closing soon after square messed my money up

    Square is a rip off I’ve been selling mask and now more apparel. They freez my account 2 weeks now. Unlock it 5 hrs. Then freeze it because of a 200 sale. Money is missing from my account. Dont use them!!! No way to call in without there fake code that doesn’t exist…

  • Mohammad zakzok

    S & M Towing, LLC

    The worst processor I’ve ever used in my life. It seems like they just want to make quick money off of their customers and then kick you to the curb and hold your money for months after working with them for years.

  • Claudette Pagano

    Square have been the most misleading, professional and illusive company that I have ever attempted to work with. Against my better judgement I gave them an opportunity and I sincerely regret it. Unacceptable and unethical business practices.

  • Amanda

    Sold a car to a lady. $2500. Square is holding my funds. I’ve submitted everything they ask me for and they keep coming back saying they need more info. So I submit it and 2 days later they can’t verify the Info. What they can’t verify the xustomers address. Bull crap. Don’t use them. They will just take your money

  • Jeff N

    Let’s be frank. When one business has another business handling > 90% of its revenue processing, it’s a business partnership. More-so when it’s been on-going for more than two years.
    For one of the partners to declare, without any warning or advance notice, that the business relationship is immediately ended, no further discussion permitted, our decision is final, is scurrilous behavior. The Small Business Community shouldn’t tolerate it. It’s unacceptable.

    During the 30-months or so I used Square for processing credit card payments to my small business, I received frequent e-mail and phone call solicitations from other payment processors. “Let’s talk!” they’d say. “We can save you money.”
    “No, Thanks.” I’d always reply. “I’m happy with Square.”

    Then, on April 20th, I was taking payment from a customer who had already received our service. I couldn’t get the card reader work. I tried again, and noticed the app was asking for my business address and banking info – as if I was just starting with Square. This was how I learned Square had deactivated my account. I still don’t know why.

    Square Customer Service says “Refer to the email we sent to the business email address on file with Square.” I looked in every folder of that email address. I was never sent an email regarding a violation of terms or deactivation of my account.
    The abrupt halt to my company’s ability to accept card payments has caused real, but probably short term, harm to my small business. Shame on you, Square. You should be ashamed.

  • Virginia Quade

    We are a brand new business and Square has held our funds on our first transaction for over 2 weeks! We are an active account ( I assume since they accepted the payment from our customer), but I cannot get a customer code to contact support! Any suggestions would be greatly appreciated. How do I get this resolved?

  • loannroe

    I have a terrible time trying to file sales tax for 2 years. The numbers does not match. Sales tax percent does not match. And customer service doesn’t know either. I have a hard time proving my numbers to the IRS because it is all wrong. Does anyone have this problem.?

  • Brian

    Signed up with Square thinking it was a simple and less costly option than my traditional card processor. The virtual terminal looked simple and first transaction when as expected – funds transferred to bank account just fine. The very next day processed $700 of charges – bad news as I was informed our account was disabled and funds would be held for a minimum of 90 days. It’s a hopeless situation as they don’t have customer service. I hope I get the funds after the 90 days, but after reading the reviews, I don’t know. I guess I’ll contact my representatives and senators to alert them of the bad business behavior of this company. Don’t be lured by the simplicity, and simple fees – DO NOT USE SQUARE FOR YOUR CREDIT CARD PROCESSING!

  • ROCKY ALAN BURGESS

    Square got me. I used them for years and now they want info they already process and keep asking for it over and over. Holding nearly 4k. They are thieves. I called 855-700-600 put in my customer code( a problem in itself) and was put through to account services only to be insulted and accused of being a possible criminal. If you have them leave now. Your turn is coming. This company is a ripoff. Time for a class action.

  • Bill

    Back in October I enabled Square Payments on my Big Commerce website. Everything was fine the 1st two months, then in December I sold an item to someone who used Square Pay (mind you, this is THEIR OWN application). Before I had a chance to pack and ship it out I got an email from Square requesting all sorts of verification information…

    Hello William,

    Our system noticed some unusual activity on your Square account. To make sure we’re keeping Square a safe and transparent payment system for everyone—buyers and sellers alike—we’re suspending transfers to your bank account until we can confirm some of your information.

    1. Please provide a copy of the customer(s) credit card processed for the transaction listed below:
    • $96.50 MasterCard 2352 on 12/9/20, 12:10 pm

    2. Please provide your customer’s state or government-issued identification. We’re able to accept these types of IDs: Driver’s License, Passport, Passport Card, State-issued Identification Card
    • $96.50 MasterCard 2352 on 12/9/20, 12:10 pm

    Again, this was an ONLINE sale, on my own website, using Square’s plug-in app for the Big Commerce platform… how would I have access to any of this information?!  I emailed with someone from support named “Paris” but they never responded to my email after answering thier questions.

    I sent them a follow-up email a few days later:

    Hello Paris,

    Due to this experience I have disabled Square as a payment method on our website. I may re-enable it, it depends upon the outcome of this horrible ordeal. Why did Square approve the transaction, then act like I am the one doing something wrong? It was a website payment for a toy using the Square integration with Big Commerce. I’ve never had anything like this happen with PayPal, whom we’ve been using for 15 years!  Invoice is attached, it is now 8 DAYS OLD!!

    I never received a response, but the next day I got this email from “Joseph”:

    Hi William,

    Your account is currently under review due to some changes in your activity. While under review, we place a temporary hold on your Square funds to ensure that everything is safe. To release this hold, we’ll just need you to confirm a few account details for us.

    They wanted the same 2 pieces of information that I do not have access to as it is an eCommerce website!

    My response:

    Hello Joseph,

    This is RIDICULOUS!   It was a website order, therefore I do not have a copy of the customer’s credit card or identification!  I’ve submitted the invoice online and also via email yesterday to ‘Paris’. WHY is Square harassing me about a transaction approved and authorized via the Square integration for my Big Commerce website?!  I have been using PayPal on our website for 15 years without one single problem.  I enable Square a couple of months ago, and now my funds are frozen!!!!

    His response:

    Hi William,

    Thank you for taking the time to reply my email. We are more than happy to help!

    Unfortunately, we weren’t able to fully confirm your account details with the information you provided. Until we receive a completed request form from you, we cannot transfer funds to your linked bank account.

    That was on Dec. 18th with no further communication either way.

      

    I received this email today:

    Hello William,

    We’re sorry to inform you that we’ve had to deactivate your account. Based on the information you provided about your business, we’re not able to support your business needs right now. You won’t be able to process payments with Square. Unfortunately, this decision is final.

    Is this some sort of sick joke?! 

    I disabled your platform over 3 months ago, and now you’re dropping me? As the owner of a physical retail store and a successful eCommerce website, I had already determined that your system cannot be trusted. LMAO

  • Everett L WALLER

    We have been square customers for over 6 years and today they cancelled or service without any notice. The email they sent at 9am this morning said we were not compliant with section 3 and some other section. We tried to call them and find out what we did or what we can do we couldn’t even get connected. As soon as you enter your customer code they tell you your account has been deactivated. This has got to be the worse company I have ever dealt with. I advise no one to do business with them . Now we are having to scramble to find a vendor so we can continue to operate. If I had the money to spare I would sue the hell out of them.

  • Hazel C. Andrews

    DON’T USE SQUARE,

    AFTER PROCESSING WITH SQUARE FOR SOMETIME – MY ACCOUNT WAS DEACTIVATED, AN EMAIL WAS SENT STATING THAT THEY WONT BE ABLE TO SUPPORT MY ACCOUNT ANY FURTHER. AT THAT POINT I HAD A LITTLE OVER 2,500.00 IN MY SQUARE ACCOUNT. THEY NEEDED 90DAYS TO VERIFY CHARGEBACKS. THE 90DAYS WAS TODAY, I GOT AN EMAIL FROM THEM STATING THAT THEY WILL NEED AN ADDITIONAL 45DAYS TO RELEASE THE FUNDS DUE TO THE CHARGE BACKS. I HAVE NEVER HAD A CHARGE BACK, AS THE CLIENTS THAT INITIALLY PAID FOR THE SERVICE HAS CONTINUED WITH OUR SERVICE. THE RECORD ALSO DOES NOT REFLECT NEITHER WAS I MADE AWARE FROM SQUARE THAT ANY CUSTOMER HAS REQUESTED TO A REFUND, OR BANK RETURN. IF YOU ARE WANTING TO LOSE MONEY DURING THIS TIME AND HAVE A COMPANY TURN YOU OFF AND HOLD ON TO WHAT IS YOURS, GO FOR IT – OTHERWISE SEEK ANOTHER PAYMENT GATEWAY.

  • Elizabeth

    Square is the WORST credit card processor. I would not walk but run far away from them. After processing around 10-20K/month for 6+ months and purchasing their POS system, they placed a rolling reserve on our account at 20% of our processed sales for 120 days and a payment processing limit of 20K – so not only are they holding 8K worth of our sales for 4 months, we cannot process anymore credit cards this month. This was with ZERO chargebacks and submitting all the supporting docts for their review which was approved. We are a storefront retail business, and not on their prohibited list either. When I called their support line, their response was literally to find another processor which is what we did. Square is a complete scam and should be held accountable for the strangehold they are placing on small businesses during a pandemic.

  • Keith Thomas

    Today I received a email telling me we were not in compliance with section 3 of there terms of service. Also telling us they were terminating our service. We have been with Square for 6 years and really enjoyed working with them. Never a problem. They terminated my service on a Friday without warning leaving my company I one hell of a mess. The mental anguish was the most difficult to swallow because we have been operating our business the same way for 6 years. And….you can’t call them and ask questions about their reasoning. One of the worst days of my life…..thanks Square!

  • Ruth

    They have kept our first sale from October 26, 2020. They initially said they would release the funds after January 25, 2021. Now they came up with another excuse not to release the funds. I am in the process of reporting them to every governing site available. It really sucks because the customer received the goods but we have not been able to receive our payment.

  • Darren McKee

    Let’s get a class action suit against square foe unfair processing fees and holding money for 120 days. They are only holing cash to increase their cash on hand for shareholders! I’ve attempted to close my account and get my money out and they refuse. They are holding over 10k of my money and not even paying interest!!

  • Michael woods

    This company is the worst they steal money from your account took a card payment they Rev the charges then I get a email saying it came out in my favor and would be putting it back in my account well that’s been a month and they just keep changing the release date. In the mean time they closed my account said they couldn’t handle my business to many large card payment. This is after being a customer for 5 years with no complaints or refund.

  • Mukul Agarwal

    Square issue funds to an unauthorize activity without any consent from card holder. Merchant make hand entry to system and gets the funds based on fraudulent invoice. No driver license verification. I am surprised to see this crime is happening every day and Square is participating.

  • AMM

    Square allowed a customer to charge back $700 a month after service render. The customer Gregory Jackson a REal estate broker in cobb county ga. Hired movers for 12 hrs. A month later. Submit a charge back to square and said they had no knowledge of charge…. And guess what. After 3 months of dispute…. Square send a email saying the customer bank award them the money. $700. How . This company allow customer to take your hard earn money and DOES ABSOLUTELY NOTHING TO FIGHT. EVEN WHEN CUSTOMER SIGN ON SQUARE APP. THEY DO NOT BACK THEIR OWN APP AS PROOF. THEY ALLOWED SEVERAL OF MY CUSTOMER WHO PAID WITH AMEX TO COMMIT FRAUD AND DO CHARGE BACK. MAKE UP AMY BS AND THEY WILL GIVE THEM THEIR MONEY BACK. NO MATTER WHAT PROOF YOU SUBMIT.

  • Charles

    All I can say is RUN, RUN AND RUN FAR AWAY! This company is a joke. In fact, they should be shut down IMMEDIATLEY! They shut my account down for NO REASON! And they have held my $2,000.00 for 4 months now. And the worst part is, you can not speak to a live person about it. I really believe this company may be ran by one guy out of his basement. I will be taking my issue with them to the attorney general.

  • terry Sipes

    SQ, squareup a Jack Dorsey company is a business support company let down in biblical proportions. Don’t just take my word for it…you can read 10’s of thousands of complaints. The BBB of San Fran only list 1 out of 8 complaints on SQUARE and are more than a month behind , lawsuits are filed, the SEC is looking into a fintech Interpol of sorts… I am working on day 253 of held funds by SQ…I have a landscape construction business in Denver, Co …never had a issue until “We need more information”, then deactivated my business account, never had a complaint on any of my business practices, until SQ. I’ll take a trade for every $38.00 of my money (SQ stock price on day of seizure) Ill take a share (per $38.00) at today’s market price of $218.00…that return works for me…the rest is just a joke, JD your not God, nor do you play one (false god) on TV or in the movies…ATS-Denver

  • Greg R

    For all those who use the Square device for payment systems

    !!! BEWARE !!!

    I am now looking for another payment solution as Square no longer works on any of my phones!!!

    Having used Square devices for several years, they have now stopped working on all phones.

    Square have told me that my devices are not compatible. Hmmm.

    Having worked for several years if I choose to use this payment system into the future I have to upgrade all three of my phones.

    Most likely a software update by Square has stopped the app from connecting to my device – Square won’t be trying to solve the problem, leaving me without a payment system!

    Outrageous!!

    Be very careful if you choose to purchase this device, if it is not on the compatibility list it may stop working unexpectedly if they change their software.

    Don’t expect any support to solve the problem from Square either.

    Disgraceful customer service and problem solving.

  • Paul

    WORST customer service ever….especially during these COVID times when people need online services (AND SUPPORT) now more than ever.

    Signed up to Square this year, did one (ONE) transaction. They have now held my $230 since Aug 27th and will not allow it to be transfered to my bank. I have gone through multiple attempts to resolve this, via their chat system (terrible) and on phone with at least two reps who tried to help. It ends up I need to work with their account service department (who you cannot contact via phone, only email). I finally got this yesterday…..actual words. WTF?

    “Upon review of your account there were ref flags that appeared to be fraud activity, and so the account was closed. Square will hold any funds debited for a period of 60 days from the time we stop facilitating your account. If you’d like to receive the funds sooner, please reach out to your financial institution for their funds return policy.”

  • Mim Jorrison

    He’s right they do suck…I used to work there…we would hold your money so we get a free loan off you, make a quick market buy, stall on paying…..A real Piece of S**t business, and the people that work there know it, .

  • Leslie Yankaway

    this is the worst service i have ever had they held my money and would not release it because i had all of my money being instantly deposited into my bank, then when i asked could i use my square card to get the funds off i was told no the blocked card to because they put under review, now its my money and i couldn’t even get my own money i will never use square again

  • Ruth Lucero

    I was sent an email saying that I requested $1000 refund to a customer with the card ending in numbers that were 7772 I thought it was a scam the next day I see that my bank account has been deducted $964 with the charge of over $35 all was only viewed in my checking account never did it show up in my transactions on Square I spoke to square today but did not realize that my bank account had been deducted I am now at a negative balance.

  • lee

    Will never ever deal with square again.. costumer service is the worse. I called and try to explain to some dude and he straight up said dude if u don’t shut up im gone hang the phone up on u out of nowhere..

  • Floridian

    WORST COMPANY EVER! They will steal your money. They are a bunch of scammers. They will put your account on hold for a fraud review and then lock you out without having access to your funds. They need to be SUED

  • Scott

    I had a simple misunderstanding, or I suppose problem, with the square app on my phone. For some reason, somehow same day deposit was turned on, even though I was sure it was turned off. When I got a large payment this week, to my surprise not only did I have my processing fee removed but there is an extra large fee removed because of the same day deposit.

    I got on a chat with customer support to see if I could get that fee reversed, due to the issue with the app. I found absolutely no assistance their customer service. And a lot of hot air.

    I’m very disappointed with this company solely because of the customer service. Instead of refunding the misunderstanding, a small amount of money in comparison to my sales fees.. I have now decided to steer most of my sales to a different and more reliable company.

    Moral of the story here. It would have cost them a small amount make the customer happy if they had done that they would have been earning thousands of more dollars, that they are now loosing.

  • Ernest Bustos

    I had a Square account for over 6 years without any complaints or issues, on Friday I received an email informing me that my account was deactivated claiming transactions prohibited by “Section 35 of the Payment Terms” which are vague to say the lest. With no customer it was impossible to find out why transactions that have been approved over the last 6 years have now been deemed prohibited. The email states that I will no longer be able to process transactions using square, it appears that my account has been closed without notice or explanation…. for this I would rate them as an “F”       

  • C. Susan Keen, Esq.

    I had Square for two years. Sudddnly, they intercepted a payment of a deposit and I found the experience a nightmare trying to get them to pay me. I think they hsve changed drasically to become a predatoy financial service. I have filed a Complaint with the Office of Business Oversight in Cslifornia for their unscrupulous conduct. Square plans to move into banking next. Heaven help us if they are approved by the FDIC.

  • Michael Mann

    I own a recording studio/online retailer and used Square as my credit card processor briefly. Some of the products I sell are digital downloadable software serial numbers. The customer purchases a serial number ONLY which is displayed immediately after the transaction completes. They use this serial to unlock software which is downloaded from the manufacturer. There is NO chance to catch fraudulent purchases before it is too late. These are not physical goods.

    Only problem is Square allowed multiple fraudulent purchases to clear for software serials. When I called about the disputes I got, ‘Well, we cannot verify the identity of the cardholder. You need to take additional steps to verify proper credit card usage.’ So… What am I paying for then? Exactly how the f@ck am I supposed to do that via eCommerce? What Earthly good as a company are you if you can’t do the ONE THING I NEED YOU TO DO? I mean, I can close my eyes and pray every eCommerce transaction is legit cheaper than it costs me to pay Square to do it. How is it the merchant is responsible for this fraud? I’ve built the marketplace, advertised it, provide customer support, and maintain it. Might as well make verifying credit card payments my job, too? What am I paying for? This business model may be legal, but it is NOT RIGHT.

    Now I’m stuck paying for Aashir Stokes (lives in Manhattan – @shiirsoul Twitter & Instagram profiles if you’re curious to know what a criminal looks like) to use 2 pieces of software to ‘make sick beats bro’ on my dime because Square couldn’t protect me and offers ZERO fraud protection. Not only that, but they couldn’t guarantee it wouldn’t happen again. Of course they couldn’t. How could they? They don’t even know what happened this time.

    Customer service rep (took 45 minutes) got noticeably less helpful after I told him I wouldn’t be using Square any longer. Also, don’t believe Square will fight for the merchant. THEY DO NOT CARE ABOUT YOU. They simply remit your dispute evidence to the customer’s bank and wipe their hands of it. It’s not worth your time to even think about it. You’d be better off spending your energies getting a prostate exam. Same results but at least you’d feel the touch of a human during the procedure instead of the cold imagery of a multi-million dollar company using the same rules to govern transactions from a small business as they would for CostCo or Home Depot.

    I looked into it and I think Stripe offers fraud/chargeback protection for .4% + $.02 per transaction on top of the standard 2.9% + $.30 per transaction. If that’s true, I’ll be going with them. I’ll pay the extra to never worry about this happening again.

    Here’s a direct quote from Stripe’s website “Defend your business from the unpredictability of disputes. With Chargeback Protection, Stripe will cover both the disputed amount and any dispute fees—no evidence submission required.”

    Sounds too good to be true, but then again all credit card processors are criminals as far as I’m concerned anyway.

  • David

    Square took my money and has been saying they are “ reviewing” my account for more than 2 weeks but keep making excuses as why they haven’t done or completed the review, I would never do business with square, I currently have to wait for who knows how ling to continue my business until it is completed but never will I do business with square

  • Jason woods

    This company has no support for it’s clients whatsoever. You WILL NOT be able to speak to a person about your money or your acct. I’ve been trying for 6 months to get my money after a dispute was ruled in my favor, they are still holding my money for no apparent reason. I am So frustrated with this company I almost want to tell them to keep my $1000!!

  • Andrea Nochez

    I just want to say that we use this service for several things within our company and that system is kind of coos as you get to know it. The problem is customer services. There hasn’t been a time where I call in and I don’t get super upset. they never answer the phone, they are rude, they have no willingness to help and it’s overall just a pain in the *** to call. HORRIBLE CUSTOMER SERVICE.


    This post will help: Best Payment Processors for Great Customer Service

  • Amanda

    THIS COMPANY DISGUSTS ME!!!! THEY SHUT DOWN MY ACCOUNT WITHOUT EVEN GIVING ME A REASON WHY!!! Then to top it all off they claimed my money would be paid out according to the normal pay schedule and yet 78 days have gone by now and my money is still being held. I’m a single mother of 2 and this put a big hurt on my family for the first few weeks as I was unable to even provide anything. They say in the phone recordings to reply to the email with any questions and that your funds will be released in the date specified in said email and yet there is not date in the email, responses to the email get ignored, phone support is completely blocked, and here we are after 78 days with me now filing suit against them as I have ben advised to do for the full amount PLUS interest as what they have done is illegal. I sell jewelry ffs how is any of that a “liability” enough for them to hold my money?!? It isn’t!


    This post will help: Best Jewelry Merchant Accounts

    -Phillip

    • Kimberly

      It’s been 5 years for me.
      Bankrupted business of 20+ years
      You can not sue them.
      You meditate 1st (per contract)
      It’s a nightmare and I’ve lost EVERYTHING

      I’m considered a THIEF now, and in 2014 NOT ONE SINGLE PERSON believed this was happening, not ONE. I called every newspaper, television station, 20/20, Good Morning America, FBI, FTC you think of it I tried it.

      SPENCER SOPER, BLOOMBERG NEWS
      Spoke with me (2014/15) wanted to do a story about Square holding funds. I really thought he would be on the consumer’s side but the article, in my opinion, was bias.

      Good luck – I gave up after 5 years, it was consuming my entire life.

      • Alexandra

        Honey you can’t give up…. Darkness, tiredness, name it mean you will win. You can’t give up darling. Be a business person take time and all your strength on your body yo build one and see some people just take all that away. Even if your last dollar you will have to spend to win the fight you have to keep pushing. Sometimes those companies and maybe the judges getting pay to back off. But you know what there won’t be a greedy judge/lawyer because there is still some good people out there who have sympathy for others situation.
        I wanted to be a judge, but rather to be a judge you must be a lawyer. I wasn’t afraid because I feel like I can do it, it’s just naturally in me but couldn’t go for it after I was a law magnet student see is not a joke, but it’s not because is hard I didn’t go after my heart desired for. I didn’t do it because at the time didn’t speak enough English. I speak it better but haven’t problem with my grammar and sometimes struggle with pronunciations.
        Dear I am soon to be a nurse and just now going to launch my website soon.
        I’m glad I happen to read lots of review for me to back off, but your situation really touch my heart. And I do believe the same way it touch me will be the same way some lawyers/judge will touch them as well.

  • Barbara Bachmeier

    I have spent five hours today trying to speak with somebody in customer service or sales at Square. I waited 20 minutes on hold at 11:30 a.m. this morning and at 4:30 p.m. I am still waiting to speak to somebody. I leave my call back number and when it is my turn I wait on hold again until I am prompted to leave my call back number AGAIN! What kind of stupid company is this? A fraudulent one? It seems that way to me.


    This post will help: How to Contact Square

  • Saian Tirado

    I received a letter from the IRS in July 2019, stating that I had an additional $44k in unreported income for the 2017 tax year through a Square account that I never even heard of. The IRS was able to show that I received all these deposits from Square over the course of that year.

    As Square’s phone number is useless, I’ve resorted to Twitter DMs and Emails to get responses. The ultimate run around! They continue to bounce around providing any sort of supporting documents to let the IRS know this was not me. After 2 months, Square said I needed to file a FTC report and police report just for them to continue on with my case!

    I’ve filed Identity Theft w/ the IRS, and they’re case came back inconclusive.

    Square is useless! All I need is for them to show proof of these accounts and deposits, but they refuse to share it!


    This post will help: How to Contact Square

  • emily catherine marks

    In July I discovered that Square submitted 5 years of 1099’s totaling over 100k of income that was not mine leaving me liable for IRS taxes and putting a hault on my healthcare. I contacted them to let them know and to correct immediately. I discovered that an organization I used to work for used my social for their square ticket sales.

    Square said there was nothing they can do until the org corrected this. I contacted the organization and notified them and they immediately corrected the situation providing square with bank records to prove the account was not mine. Square said once they had this they would immediately report to the IRS

    As of yesterday, the IRS is still reporting that square has not corrected this information.
    My Marketplace healthcare can not be reinstated until this is corrected!!!! This is really serious as I need my healthcare.

    The way this has been handled is shameful and has the potential to cost me thousands of dollars in legal fees.
    I have spent hours trying to rectify a mistake They have caused.

    I contacted them again and they keep sending me form reponses with instructions that I already completed.
    NO way to get anyone on a phone to give me info because the account is not mine and I don’t have access to it.
    When a person does contact me via email there is no follow up and they keep repeating things that were already done. I am so frustrated.


    This post will help: How to Contact Square

  • Paul

    Horrible company canceled my account and several friends accounts with no warning for mystery violations? Reported me on match list now unable to get processing. They have no one to talk to no customer service and impossible to appeal thier horrible policies!!!! Do not use have official complaint in with BBB!! still no resolution after 5 months.


    This post will help: Best MATCH Merchant Accounts

    -Phillip

  • Eric

    Well, I think this review going to go in line with a lot that are already posted. This one pertains to taxes and a levy. If you have a levy against your funds, you have 21 days to resolve the levy in order to have your funds returned or paid to the IRS. Square conveniently, makes it impossible to resolve this. They don’t have a phone number for the tax specialists, they only email brief sentences, and want nothing to do with actually helping you. This kind of response to a tax issue should have civil consequences at a minimum. The regular cs reps do not know anything, and after one or two times, supervisors will ignore your requests. It is a very frustrating situation and is unacceptable. So, this review is warning of sorts for people that might have a tax issue, erroneous or not, Square will do everything in it’s power to not speak with you or the IRS about it. I had to demand for almost 6 days a copy of the levy. My levy is erroneous, but I have funds that are being held because of it and the IRS cannot even speak with them. Think about that for a second. Hope no one has to deal with what I have had to deal with.


    This post will help: How to Make Your Payment Processor Release Your Money

  • burning light

    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.


    This post will help: How to Make Square Release Your Money

  • Kenneth

    I’ve been using Square for a long time with my business I will no longer be using Square the communication with Square is ridiculous I have all my paperwork my contracts my completion sheets and we do work for some customers and we do the work at the time of the sale every now and then we run into a nutcase And they want to get their money back and Square gives them my money no communication with Square I think if you’re using Square you need to quit and find someone else I have no respect for this company I do not like this company and I will be hiring a lawyer to sue this company. I hope Square loses every dime they have


    This post will help: Best Mobile Payment Processors

  • Jessica Myers

    I am a simple Tupperware consultant and new to accepting cards! I collected 502.00 in orders and placed these orders on Tupperware with my personal funds while waiting on the deposit. I received a message stating a verification was needed! I sent in everything requested including government ID, bank statements, tupperware ordered placed from those sales and more! I just received a message stating it was not approved and account is being closed. What? Makes no sense when a lot of the chicks on my team run the same business using square! These orders are placed and already on their way to customers found on Facebook. Yet it seems square is holding the funds for 90 days!? What 502.00 is a lot of money why would they not do a verification process first if they didn’t want to issue the funds to the business? Why would they accept 502.00 in payments and then decide after to refund customers or hold the funds! Their items are already mailed and now I have no access to the funds which is completely nuts! Really 90 days that is a bit overboard, especially when proof of there orders was in the verification. There is no excuse for the issue at hand or to close my account without warning not to count holding the funds after the orders are already sent. I can understand a verification process and I actually appreciate it as a customer but really if consultants aren’t allowed to use square then why not complete a verification process before taking the payments to confirm the business is allowed to use their service! Not to count to close someone’s account with that much money in there and refuse any type of phone communication is 100 times more nuts. Absolutely not allowed to speak with a representative to ask simple questions wow. What type of business is this obvious something is very wrong here! How do I speak to a rep if the code for my account refuses to allow me to contact anyone by phone? Why would you offer services and the list of businesses not allowed to use it is not only every kind of business out there? Apparently they pick who to do this to and it’s crazy so how do I get the funds released sooner to pay myself back the money spent on the customers orders!!??!! As a new business this is a huge hit? I started Tupperware to make up for losing my job so when they say the deposit is instant I expect that it is especially with the proof of the orders plainly provided. The worst part is I’m just out 502 dollars with out any customer service to speak to or a way to get answers. That’s not only unprofessional it should Be illegal

  • Daniel You

    Terrible merchant service. Our company account has deactivated after submitting a required statement and the supporting documents, but they permanently deactivate my account. Square up also do not provide a fair chance to explain. They will not talk to you in person. Very unfair and insincere. I would not recommend this company.


    This post will help: Best Mobile Payment Processing Apps

  • Michael Summers

    I’m a agent for one of the largest processors in the World and I was looking for something for my wife to process because she loves selling items. So rather than setting up an account through me I found square and set up her account. The first transaction for 2250.00 went through with no problems. The next (The nightmare) the transaction was for 6400.00 it was actually from a very good friend of ours no illegal products. They immediately deactivated the account. So I asked them through emails of course just refund back to customer. They said all transactions are deactivated. The money will be held for 120 days then released to us. My buddy in Georgia feels so bad about the situation he says I wish I would of just sent a check.. But that being said everybody gripes about square the processor. One they are not the processor they are a hardware division that uses one of four platforms in the US to process the cards. The key is find the platform and squeeze them that will put the hurt on square. I’m getting with some friends from our platform and have them do some searching and when I find it I will plaster it here. I have a good Idea who it is. *****d*t*.


    This post will help: How to Make Your Payment Processor Release Your Money

  • Wilene C Dunn

    I’m not sure how they have a B rating. Square can hold your money with zero explanation, question your account at any time, I’ve asked for the corporate contact for legal and they will provide no information. They can hold your money and keep you completely in the dark. A client paid on June 28 and it’s July 11 and they still have not released fund and still cannot tell me why and won’t give me any contact that can tell me why. I agree with all the reviews that say there should be a class action against this company.


    This post will help: How to Make Your Payment Processor Release Your Money

  • Joe Marsh

    Square “deauthorized” my account. After several days of futile phone calls and emails, Square finally responded that they classified my business as either illegal, fraudulent, or banned. After reading the terms of service, I learned that insurance is a banned industry. No explanation as to why and I’ve given up trying to reach a human on their phones. Lousy customer support.


    This post will help: Best Merchant Accounts for Insurance Agencies

  • Marc Chomel

    Square has misrouted $2400. of my business receipts to the wrong bank account and failed to diligently assist the bank in doing a timely search. They failed to follow up with my pleas for help and now I have lost the money. I will be joining them with the Bank of America in an upcoming lawsuit. Beware they’ll make money on every one of your transactions but fail to help you when they send it to the wrong account.


    This post will help: Best Merchant Accounts for Great Customer Service

  • Charles Brittain

    Square took my information and I started doing business. After my first day using square and making a few transactions square froze my account and then deactivated because of high risk activity. Why did they approve me in the first place then? Of course you cant call and talk to support as they don’t actually have customer support just ai so they now have all the money that i made and are holding it ransom for 90 days. ABSOLUTELY RIDICULOUS
    Why approve people and businesses your just going to screw?


    This post will help: How to Avoid Fund Holds With Square

  • Matthew Kern

    I began using Square because of their multi-faceted product offerings which seemed ideally suited for a small business such as mine (www.thegrowthfactory.org). I used Stripe with little incident in the past and was attracted to Square because they integrated payroll, insurance, payments, benefits and tax forms in a single app that has proven extremely user-friendly. If this review were concerning their program, app, web platform, ease of use and net efficiency, I would rate them 5 stars with no hesitation. Their digital product is easily the highest quality on the market.

    If their customer service and account “specialists” matched their digital products quality by 50%, Square would join the ranks of multi-billion dollar empires and become a household name overnight. Unfortunately, this is not the case. After processing the first 3 payments, a restriction was placed on my account pending additional verification via document upload. I uploaded a total of 1.3 GB of data including my state filing documents, IRS tax forms, Texas Workforce Comission data, internal operating guides, terms and conditions, property lease agreements, personal identity documents for myself and assistant (Drivers license and passports for both) along with statements and invoices from that customers who had made payments. I also provided them with social media links (25,000+ followers on our verified Instagram and Facebook accounts), advertisements and an interview series we did with CBS recently and have continued providing them updated documentation as we went along. The hold was lifted after about 6 days (during which time they requested the same documents they already marked as received which proves their reviews are 100% algorithm based) and I was assured that these reviews only occur once. I had no problems for 3 months, no disputes or complaints or rejected/returned payments and the highest security rating possible.

    Two days ago, my account was restricted again pending review of “how we do business” and requested the same documents I had been providing unprompted. Those documents were received by them and there is a green check mark verifying their receipt. I submitted the documents again and the system informed me that they had what they needed and would get back to me after review. I spoke to a customer service person today who told me that I should learn how to read and look through the terms and conditions and understand that they reserve the right to suspend an account at any time, for any reason. I asked what the metrics where in determining this review process and was told that she has no control over the process and that there isnt any way for me to continue providing them with data to ensure that my account not be restricted again in the future. Her attitude was beyond condesending and was told that “you need to face the fact that (The Growth Factory) is a small company that isnt very relevant to us from a business relationship standpoint” and that Square has little interest in the efficiency of our operations.

    To summarize, I have been forthcoming with all documents requested and many that were not. I have never had a chargeback, complaint or issue with any payments (we average around $15,000 per month) and have volunteered on many occasions to provide them with additional data but was told (on a recorded phone call on my end) that my organization’s business relationship with them wasn’t a priority for them and to expect more account restrictions in the future. They have collected a total $2,500 in processing fees over a 45 day period and seem to make an extra effort to be as rude, condescending, and unhelpful as possible. If you ask them what you can do to ensure a smooth relationship moving forward, their response is “nothing, you’re not that important to us.”


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    • Craig

      I had noticed that my square app was missing from my screen, so I reinstalled it. The new version wanted access to my location, all of my data as well as access to my camera. This alone set me off, then I noticed my account was suspended just like yours. This taking hostage of your information is not worth the risk. They claim they are protecting your information? By asking for access to everything? Way too fishy for me. I’m deleting the app.


      This post will help: Best Mobile Card Processing Apps

  • Keavan

    There was a dispute to my account through Square in June 2018, even though the dispute it was based erroneously on an unrecognized charge, because it was a chip card and I only had a stripe reader it was automatically an EMV dispute and immediately found in their favor. Funds were taken from my Square account funded by my credit union, shortly thereafter the client realized the mistake end canceled the dispute before the funds were deposited back in their account. The bank that received the refund then reversed it and transfered it back to Squares bank. However, Square denied any evidence of the refund, the bank sent documentation and Square claimed it wasnt what was required. Then the bankcalled Square directly, but they were unable to convince Square of the reversal or aquire a statement of what they DID need from them. I was finally told i needed a letter from the bank, which i sent email, that wasn’t good enough, they needed tangible affirmation that the dispute was canceled and required I phisically go to a branch of the bank and retrieve a printed letter stating reversal. I did that also, then they said I would see the funds 5-7 business days later. After 2 weeks I contacted Square again, now I would have to wait up to 4 months for the reversal. I waited 9, months and contacted Square yet again, only to start from scratch again.
    After several dozens of frustrating emails claiming they had received nothing from the bank, and blatant disregard for the documents I submitted again, I was able to get them to acknowledge the info I sent, denied it was what they previously accepted as proof, yet couldn’t tel me what it WAS, saying. I was told that Square and their aquiring,bank were waiting for return of funds from the bank. They told me I had to wait until they got the funds back. It’s been almost a full year since the bank assures me the funds were sent to Square, so clearly unless I can make headway in this debacle, I will never be refunded. ANY insight would be greatly appreciated.

    The bank provided me with a screenshot of the reversal of dspute ahas to dnthenfclaimed to have returned the funds to squares acquiring Bank this was after 2 months of exhausting running back and forth and physically having to go to several Banks to acquire actual pieces of paper with information on them to prove to square even though the bank had called Square directly and told them that the entire thing of the canceled but I needed physical proof which I provided in July of 2018 still going back and forth I finally got supposedly the correct information they needed in the correct format they needed and I was told 5 to 7 business days and I would receive my money after 2 weeks and no money I contacted Square the story changed to it could take up to four months I waited nine. Ambien contacting them again which turned into more back and forth between for financial institutions none of who would help me in any way the bank that return the funds it’s still sticking to and confirming that they return the funds October of 2018 get square claims there is no record of Return of funds and I have to wait until that funds appear yet there is nothing to imply that anything is going to change at this point because the bank get paid as far as they’re concerned they did so October 2018 and the issue is over the bank that was supposed to receive those funds claims they have not yet clearly they are not going to the square will do nothing to help me despite the fact that I write or call every single day for the last 2 and 1/2 months I don’t know who to turn to at this point the two Banks involved will not speak to me directly because this is not about anything any account that belongs to me they all say that square has to handle it and square claims they can’t


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    -Phillip

  • Katy Goodman

    After using square who I thought was a great investment to my business until today I am thinking is also a scammer, I would never image that they would take money from a small business instead of helping them make money, but today I have come to that conclusion, or make me out wrong by removing the freeze off of my bank account and giving me a good phone# to call you about your false accusations that you accused me of, of which all my clients denied that they accused me of: 2523473258 please consider your reputation and good name and do the right thing contact me and stop robbing poor small businesses.


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  • Katey Rene de Cotret

    I was very much enjoying my square reader. It came free with a small amount of processing fees, but it made it so at the one small convention I sell artwork at, I could accept a few more sales I normally couldn’t have gotten.
    Which means I’ve used it probably less than 10 times.
    So it was baffling to me, mid convention, when they decided to deactivate my account and after “comprehensive review,” made their decision final. They cited sections 11 and 12 of their general Terms of Service, which basically say they can terminate your account at any given time as long as they give you notice.
    Which I did not receive by the by. I had to bother them on twitter for an answer.

    If you have an alternative, use that. I’m not the only one this has happened to


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  • Nicole Adamson

    I had a problem setting up my square account I rang the customer support line and spoke to a very helpful woman who not only helped with my problem but also waited on the line to make sure I could access my account. I could not have asked for better customer service, if only every company had such wonderful after sales assistance!

  • Jeremy ward

    This company is a joke I started a new business , month ago they have held my money on ever transaction I have made the last one was for 1700 dollars ,the company that I done work the forman that payed with card with company name on it and his name he had same last name as me ,I am no kin to him ,so they held money said couldn’t transfer funds from family or your self ,I have had enough with this company ,I work hard for my money ,to let them hold it over stupid crap.


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  • Renea

    Out of the blue I got an email from square stating that I owed them money and the case is closed and they will not speak with me over the phone .
    I had no idea what they were talking about or what happened .
    The recovery team was extremely rude and took over 1000.00 finally stating that, ( over weeks and weeks) I owed because I knew someone in 2014 who owed them money so that made me responsible, according to some article 15 or some sort . The majority of my clients prepaid for services which put me in a bad spot, so I requested refunds .
    I have copies where square stayed they would receive them within 10 days, but that never happened.
    They will not return the money for services never rendered, they were extremely rude , refused to listen to anything and laughed about it.
    This is fraud I am devastated and embarrassed because I know it puts doubts in my clients minds of my integrity .
    It is outright stealing and unlawful.
    Why are they getting away with it? Any other human being would be in jail right now and i f our laws let companies STEAL fraudently what does that say about our system? It IS NOT okay for anyone to steal. What can I do? I am beyond hurt, embarrassed and it set me back . I am
    Not paying someone else’s debt, that’s ridiculous.:(


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  • Angela

    I will never use Square up again! Worse company ever! They are crooks, just like the Crooked Buyers that they protect. They don’t protect their Merchants at all! We are out $1600 now and we are out our merchandise! Tried calling and using text support and they are worthless! Worst company for Merchants ever! Period! Don’t use them or you will lose your money! And your merchandise! Crooks! All of you! Small businesses need to just stay away!


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  • Erin

    To the Management team of Square Up,

    From one manager to a next, I can say wholeheartedly say that this was the worst customer service one of my companies has ever had to deal with. I am not sure who is in charge of actioning quality control at Square but it needs serious review. The service was so bad that the executive decision was made to never have it used in any of our companies ever again.

    Tony, our accounting officer, called Square Up to verify our account – as we received an email from a representative stating that any other transactions such as this overseas would be deactivated. When Tony called, he stated to the representative on the phone that the person who received the emails at our company and was in charge of handling this issue was present with him since she had the basic understanding of what transpired, and the representative immediately said we would not be able to speak as she was present, even though Tony who is the holder of the account was on the phone. All we needed from Square was clarification to why our accounts are on hold and he could not answer because of the additional person who was handling the issue being present on the phone. The call ended where the issue was not resolved because Tony did not know what all the requests were without having our point person present. We finally sent in the documents and over a week now, we have not heard of any response from Square Up. This has been happening since December 2018 and we only just got received our money from Square min March 2019 which by the way they kept over $300 dollars of our money as it was over $900 we made and Square only give us back over $600 and some change.

    Business owners who ask if they should go with Square, we will be sure to advise that its a definite no and to go with PayPal or another source.


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  • John Gill

    Due to the necessity of developing my website thru Godaddy, I was required to use square for my credit card processing. After establishing their payment portal on my site and after getting connected for 30+ days, square while accepting my transactions – stopped depositing my payments. Credit card payments (luckily) are a small part of my business. It took me 60 days to notice this. Payments in excess of two thousand were withheld. It took Two service calls to determine the issue. The issue was some bogus two part question about the nature of my business. Square never reached out to me to attempt to resolve this. Their CS department is a joke. If you can find an alternative – use them.


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  • Alton Earle

    Horrible. After six years of flawless service, they decided to stop depositing our funds. We switched to the German company with a sort of same name in the amount of time it took them to “review” my account (which hadn’t had a problem is six years). We’d used their Square Capital services a number of times, yet suddenly, with NO change in our business or transaction levels, they made an offer, promised a deposit in 1-2 days, and after 14 days declined the offer.

    Fortunately, there are alternatives and they’ve lost a significant chunk of business.


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  • Melissa Phipps

    Do not use Square products. Once you insert your chip it is very easy for thieves to steal your money and you will never see it again. I will find the taxi driver who stole my money and shame on Squaree for allowing this with their equipment. It will come back to haunt you. I never knew this equipment existed but reading the reviews I can easily see I am not the only victim of their loop holes. Beware of Square and do not use!!! Absolutely no integrity.


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  • Gaea's Blaze

    This was ridiculous… Square inc. refused to honor a valid charge for three thousand dollars for the purchase of furniture. I was forced to refund the monies and try to get a check after the furniture was delivered. They arbitrarily decided that it was a fraudulent charge and even when it was explained to them what the purchase was for they simple refused to process. All they kept stating was they do not accept that prepaid cards, gift cards, or own credit card. None of these were the case.


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  • Al Robinson

    Beware!!!
    Square was recommended to me as an excellent resource to process debit/credit cards for my small business. My experience has been an absolute nightmare.
    Lack of response with every inquiry
    Making changes as they go resulting in holds and ultimately closure of my account
    I PROCESSED ONE TRANSACTION that in my error did not label the setup of my business instead my name and the customer placed a chargeback. Square shut my account off.
    That One chargeback that was found in my favor by the customers bank and they released my funds to square
    HOWEVER Square decided they were going to hold these funds for 90 days
    90 days passed, I received on the 90th day NOT MY FUNDS BUT an e-mail they decided to hold funds for another 30 days with NO EXPLANATION. After 5 or more emails I received a response they are sorry For my experience and was forwarding to the right department. Still waiting 5 days later and two more emails sent. BEWARE of the unethical business practices. Save yourself the aggravation and find another company


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  • Krysta Lynne Murnane

    The Square has been Holding Over $42,000. Forty two thousand dollars. since September of last year 2018 The Square shut my account down and were going to hold the money with the balance of $42,000 and some change,In an email from the square supposedly until December 11th 2018. Well its sad but true we’ve had no Charge Backs Since September 2018 but the square has not released a dollar worth of our money yet. Its been over 6 months and now they won’t even respond via email to us. this has been a total nightmare. My company has since had to hire an Attorney but why should we have had to, is the point.The square is Criminal in. what they are doing to thousands of Businesses. !!!!!!!!!!!! the head quarters is over seas and the phone numbers are all automated so you can’t get any live person on the phone. the Square is 100% the worst credit card processor on earth id put money on it. If you have a successful business don’t allow these criminals the opportunity of steeling your assets because they will. They are not legitimate at all.


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  • V

    I am a bookkeeper for a local small restaurant who uses square. On the restaurant side I am sure it is wonderful, fulfilling all it promises to do. However, on the bookkeeping side it couldn’t be worse! It is completely useless. You cannot print a report or customize them to provide useful information. The reports don’t even export properly so you can create a report yourself. You literally have take information from multiple reports and manually enter them into a spreadsheet to get useful information (i.e. Taxable sales and sales tax, cash vs credit card…etc.) These things matter…you can’t just lump them all together. Entering things manually, going from one screen to another is a time consuming disaster that creates a greater risk for errors. I would never use Square or recommend it.


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  • Arty the Artist

    I was told Square could be a great alternative for digital artists such as myself but my account was deactivated and funds withheld within one week of making it. One transaction was flagged as “suspicious” so I asked they look into it and their response was to deactivate my account. They did not provide a reason. I sent a very polite email to customer support(as both the forums and the call center are unavailable to deactivated accounts), requesting to know why this occurred. Their response was that they determined that they could not support my business and deactivated my account. When I asked again for a reason, they repeated this without giving me a specific reason. I refunded all my customers and will be returning to my previous method of payment. What absolute bollocks.


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  • Pam Jenni

    I’ve been trying to find out if it’s just me or what. But I’ve had square for a few years. I only use it for a few days a year, I sell pepper plants at the local herb fairs, 5 per year. No matter what, if I’m lucky the first one or two customers, the reader will take the card. The rest of the day every single card has to be keyed in. I charge the card the night before. When I’ve check the card at home it works fine. I’m so frustrated I’m looking at other options.


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  • Ed Henry

    We have been using Square for 5 years now. We are a sit down restaurant with approximately $275,000 in credit card receipts. I just recently switched to Square Timecards and Payroll since the POS worked so well. I have been sold a product that does not work and they really don’t care that they have customers who bought their lie. They advertised multiple wages for individual employees, which the time cards accomplish. What they have neglected to do is allow the import of that data to Payroll. When Payroll imports it adds all the hours worked and places it on the first wage entered. Thus creating more work for me now because I have to manually correct each entry. Total lie…. Do not get suckered into Square Payroll. It is cheap and useless.


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  • Geoff Breitling

    I opened an acct with Square, gave them my passport, banking and other info to verify the acct. My 1st payment was $2500 from a client and they immediately locked my acct with no explanation. Bc my acct was locked, I could not get a code they required to get support, so it was as if I had no acct at all. Meanwhile, my $2500 was locked for up to 90 days.

    Stripe would not even talk to me.

    The only way I got around it was I was thankfully able to refund the payment to my client and she paid me through paypal. If I did not have a great relationship w her or it were a payment for goods or something I would have been screwed.

    Obvs, I think Square is a crap company with sucky customer service and I would never, ever consider using them for anything whatsoever at any time in the future.

    From The Editor
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  • natascha snellman

    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. When I finally figured out how to get square on the phone and spoke to them they told me they can’t see the credit card number either and they can’t confirm with AMEX, but they assured me that there were no red flags on their end and that if the billing and shipping match there shouldn’t be a problem and they also let me know if anything did go wrong it was on me. Ummmm, ok why am I paying them if they can’t even protect me I wondered. I mailed the merchandise and made sure to get tracking and signature. A few months later I get an email from Square saying that a bank reached out to them and that this sale was under investigation and the client said they had not made the purchase. I was so pissed. So square said I could provide evidence and challenge the bank. Luckily I had all of the evidence needed….matching billing and shipping, email correspondence and proof of shipment and delivery signature. I got an email yesterday that the bank sided with their own customer….(why am i not surprised) and that I need to pay square back in full. I emailed requesting a payment plan, they responded giving me some options and then debited my account the full amount. Thanks for protecting a small business owner and thanks for taking funds out with no time wasted and putting me at negative. I’ll never work with them again. That’s not taking care of your customer.

    From The Editor
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  • Julia Collins

    Square deactivated the business I work for’s account (an Acupuncture clinic) within 3 hours of us receiving an email that we are a “high risk merchant“. High risk? We are a wellness clinic! There was absolutely no contact in person (we tried for several hours to get someone on the phone) and we still have yet to receive any kind of communication. We have been using square for more than a year and our business depends on it. Seems that Square has gotten too big to look out for the small businesses and is absolutely no longer looking our for our best interest. There have been thousands of other complaints just like this one.. if you are a small business who is thinking about using Square, think again. They can deactivate your account, tie up your funds, and give you absolutely no explanation within a matter of hours. I am completely bewildered how Square can do this to so many people and families who are depending on their services and software to make a living.

    From The Editor
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  • Kenneth Wildenstein

    When I went to set up my square account, I somehow entered the wrong account number for my deposits. I figured this would be an easy fix for square as I am certain I am not the only one who has ever made a typo.
    However, I was concerned that the bank verification was made because my EIN and name on the account were obviously different than the number I provided Square.
    Square had told me that they only verify that the bank account is in fact open and valid. Not that the names match on the account, which is what led to this fight I am in right now.
    I contacted my bank, because of new Federal Laws, the bank is not allowed to remove the money from the wrong account and re-route to mine. The duty falls on Square because Square initiated the ACH. However, I have been calling Square 2-3 times a week, because their customer service is lacking service and I receive no return phone calls. I have been fighting this now for almost a month and everyone at Square I talk to is repetitive at best, puts me on hold for great lengths, and says the same thing, ‘it’s not our issue, we can’t do anything about it. Talk to your bank” even though Federally it is Square’s responsibility.
    So I am now out $1800+ with no way of seeing that money.
    Square is ok if you dont make a typo, but their customer service needs a complete overhaul. I at once would have recommended Square, but now, I will warn others to be wary when you need assistance. And dont make any human errors. They wont be able to help.
    This may be something that has to escalate beyond Square’s incompetent customer service team.

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  • David Hsu

    Used by scammers. Was scammed using square by account SQ*JACKSON NARVAEZ CAR S. Added extra to the limo fee. I have disputed charge with Chase, but they seem indifferent. They are overcharging passengers out of LaGuardia Airport, issuing handwritten receipts using other legitimate limo companies’ names. No way to contact square to report fraud unless you are registered as a Square customer. Square is fundamentally insecure and will be used by small time scammers like the limo pickups at the airport.

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  • Melinda

    This is the worst company I have ever dealt with. If can’t get anyone on the phone they deactivate your account and keep your money for 90 days!!! Ridiculous!! It doesn’t take that long to deposit your money! Do not use this company.. Look at their reports on bbb website.. Stay away from these people.

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  • kerry foster

    I thought it would be a good idea to have another option for credit card processing
    So I ordered a square
    I downloaded their app as instructed
    Linked my bank account as instructed
    Began processing two payments from my customers
    I total of $1625
    Then I found out there’s a hold on my phones
    Until I’ve answered endless questions
    After doing so I find out my account has been permanently deactivated and email would be sent to me with a correspondence link

    I received a no reply email with no information about how to retrieve my funds I’ve been searching and Leslie for phone numbers to call this company
    And as a endless loop of phone prompts with no human being available to talk to
    Their chat system will not recognize my responses
    I highly recommend anyone thinking about getting this device not to do so

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  • Christian McFarland

    I have tried to get a square account for my business. However, square has been unable to link my bank account on four separate occasions. When I tried to get in touch with square, it refuses to give me a customer code. So, I can’t get in touch with anyone. When I tried email, no response either. But, when I tried to deactivate my account, it refused to let me do so because my bank link was denied. I would give square a 1 or 2 out of 5 because of their inability to have a support system that works.

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  • Russell lloyd

    I took out an account with square just three weeks ago and all I can say is what an absolute disaster.
    Two days after starting with them they send me an email saying my account is on hold pending information. I send page after page of information to them and finally they continue processing. I told them how much I process by card every year and they stated it was fine. I had a call with them just yesterday regarding charges due to the high volume I put through. They requested a I send in information from Worldpay to confirm the spend. So far so good. This morning I have an email stating my account has been deactivated. What an absolute joke. No warning no notice just bam and your out. They clearly cannot handle the volume. I also noticed every call
    Made to them when they eventually answered the phone it was always the same
    Person. Seems to me a two bit company. Looking at the reviews it’s not good. Stay well clear many far better processing companies out there.

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  • William bates

    They have stolen thousands from me and I will and never will use them. They continue to take money from my account and I have never used them and no one answered the phone to find out why. I have to close my accounts now to stop them. Don’t ever trust them

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    • bud francis

      I have used Square for 4-5 years. My account was hacked and people started calling me saying they had a charge on their card from my company. The money did not go into my account and I never charged them. I tried to contact Square but couldn’t talk to anybody without a code # I could not get into my Sq. account because it had been hacked so I couldn’t get a code. I sent them a message on Facebook every day to get them to contact me but they never did.They sent me a message saying they would get back with me shortly. In the meantime more and more people were being charged on their credit cards and the funds must have been diverted to somebody else’s account. It went on and on and Square never got back with me until one day they tried to take $2200 out of my account to cover the customer’s disputed charges, which never ever went into my account to start with. My bank caught this and made Sq. put the money back into my account. The very next day they tried to take another $1400 from my account which my bank made them put it back in. They have still never contacted me and I have since had to change my account to keep them out and I still have not been able to contact Sq. to close my account. They have blacklisted me with other credit card companies so I can’t accept cards anymore. Luckily I have had a credit card company for my office credit card for 17 years and they kept me. This Sq. company is the worst company I have ever dealt with in my 37 years in business. I would stay as far from them as possible. Get your card reader and service elsewhere where you can actually talk to somebody when you have a problem.

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  • Michael D

    I had a square account set up through my business I never had issues until recently .Once all the appliances and materials arrived to the client’s house and the first day of work begin she came home demanded. Receipts to the appliances and materials I informed her once the job was complete she will get all the receipts and invoices showing paid in full… 20 minutes later she returned with three of her India friends in a hilarious attempt to intimidate me. They demanded the full deposit be refunded meanwhile all the appliances and materials are still on her property. She made threats to have me trespassed then ask me to come back and get everything and refund the money I said I would not be returning for fear of being trespassed that she purchased them with the deposit she gave to my company and I will provide her the invoices for those amounts.. My National Distributor ( Ewing) sent her the invoices showing paid in full she then try to say they falcified documents and invoices and even went as far as saying she never got the appliances or materials…
    She tried to claim that Ewing charged her card and she wants her money back when that didn’t work she tried to get a credit back and keep the appliances and materials through Square and my bank. Through Legal advice I blocked that and was informed this is a civil matter. I showed all the text messages verifying she had the product and pictures from her own phone showing the product on her back porch. She lied to get a credit which basically means she keeps product and not pay for it.. Square refunded the money to the client just recently after months a of silence and zero communication with me which essentially is allowing the client to steal products ,not pay for them and get awarded her deposit back. Square emailed me yesterday an invoice saying my account is negative $5,0000?!..I unblocked her phone number and I Immediately received a text saying I have 2 days to get the appliances and materials off her property or she will take that as Im uninterested. Square has now helped her commit fraud…. She is now listed with Hillsborough county with possession of stolen property with intent to sell.. I have registered the outdoor kitchen serial numbers as wellvas stolen.It appears Square will side with client everytime for fear of a ” Client” review.Square clearly is not there to help businesses even after showing proof with pictures..emails and text messages..they allowed her to keep product and made no attempt to get product back or help… Theives amongst Theives..

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  • Y.R.

    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. I transferred all of my money out of my checking account into another account. I called my bank, canceled my debit card, & was informed I would be credited back the $30 and any fees occurred from me empting my account. My bank informed me that due to the small amount there would be no investigation by my bank or Visa.
    If you are not a merchant there is no telephone number that you can call to contact Square Up or Square Cash. I emailed Square Up informing them of what happened. I received an email informing me to contact Square Cash. I emailed them again informing them I cannot contact anyone in Square Cash because I am not a merchant nor do I have the app. I received the exact same email response but at the bottom of the email it had my first email and a case number. I have received no assistance regarding what happened. This happened over a period of three days.
    I contacted the District attorney’s office of where I live, & I was able to speak with the investigator. He informed me because the amount was small my police report might not even be accepted. He did say what occurred to me was identity theft. He told me what I needed to do. All 3 of my credit reports were already locked, and frozen because of what happened with Equifax a few years ago. I contacted TransUnion online and informed them I was a victim of identity theft. This information was documented on my credit report and TransUnion forwarded that information to Experian, and Equifax.
    I contacted the Fair Trade Commission online and filed a complaint for identity theft. The entire process took approximately 15 minutes. They will ask for your checking account number and routing number. After what happened I’m a little paranoid so I gave my routing number but not my checking account number. I do believe the more info you give the more they have to go on, but I gave all other information that was requested. You need to give a statement, and you only get a certain amount of letters. I went straight to the point and gave the info that I believed was most important. They ask if you want to set up an account at the end of the process, and I opted to just in case something else happens.
    Many merchants still use Square Up, and unfortunately this company is still active. One of the merchants I deal with requires me to use a credit/debit card to reserve an appointment. I’ve done this every time since January 2018, but a few months ago it saved my card info. I honestly can’t remember if it asked me or if it automatically did it. I allowed it, because it was convenient to not have to enter my card info each time. There’s my debit card info sitting available right in Square Up’s system.
    After this incident I removed that card (which was already canceled), but the merchant I deal with requires a card to reserve an appointment. I know there are many people out here who do not believe in using credit cards and prefer cash or debit, but the protection we have can be limited. There are many credit cards that have zero fraud liability. So whether the thieves take $5 or $25,000 you are not liable, and it’s not your cash they are stealing. I have opted to using a credit card, especially if it’s a merchant with Square. This time it did ask me if I wanted to save my card on file, I opted not to.
    I truly believe if more and more people file reports with the Federal Trade Commission, they eventually have to investigate this company. Hopefully, this will also call attention to how Square is conducting business with the merchants that have entrusted Square with handling their transactions. I know this review was long, but I want to give details that might help someone, or keep someone from having to go through this.

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  • Julia

    I wish I would of seen all these complaints years ago only they probably wouldn’t have been there since I started with square from the beginning. I’m a small business in the St. Louis area of all places (where square originated) . I’ve been in business for 30 yrs , I’m an honest rational thinking woman owning a business from grass roots of no loans scrapping by and raising a child on my own. Who has grown up to be a honest hard working young man. My salon is in a small town . Square has given me approximately 4 capital loans to grow my business and I’ve never had an issue with this till now . Square gave me a capital loan 3 weeks ago with an agreement to pay back in 18 mos with a 600.00 fee etc … a week later they deactivated my account on a Friday night with only an explanation of section 3 and or section 4 . I was so upset and had no idea why or what was going on. I left 3 frantic emails of what happened and why can’t I talk to someone etc . I had been setting up an online store thru wix.com for Cbd products and was told by so many companies and officials it’s legal in 50 states . I had the toxicology reports the whole shabang .Spent money on a Domain name etc. I never ordered any except to myself to see how to do shipping which I never got the product it was just to test our shipping. When I saw this deactivation sect 3 is about paraphernalia , this is the only thing I can come to a conclusion of this deactivation . Since then Missouri laws are so confusing and there’s so much gray area that I deactivated my online store and forgot the dream of helping so many of my clients crushed. But I don’t care my business is more important to me and I don’t want to do anything illegal. I pleaded with square to understand and take me back. Now they’re stating I need to pay back the loan in 6 mos which would be over 800 dollars a month. I cannot do this I can’t afford it. They said get back with them in 3 days if not we will take out this every month from my checking account . What the heck are we suppose to do they don’t let anyone try to work things out . I’m so upset and my moms in the hospital at the same. I’m afraid when I see squares emails. Good luck everyone .

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  • Joe Kerr

    Square will refund up to $250 per month on chargebacks but only when the purchase is less than $250. So, since I was selling something that is more than $250 through Square, I get nothing when someone does a chargeback. Why protect the people who sell small things but not your better customers who sell tens of thousands of dollars worth of stuff through you? I’m going back to PayPal.

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  • Dee bishop

    This company is terrible. I cancelled a charge on my cc that I didn’t recognize. When I found out the name of the company I notified my cc to pay the merchant which they did. The problem? Square was fast in taking the money out of the merchants bank…without notice! . The invoice was sent through by my cc. Within a few days. It has been over 1 month and the merchant still has not received his money. They have the money and have had it for over the month. I would never recommend this company for any thing. This is totally inappropriate and needs to be reported to the merchants lawyer. So now square is making money on the interest that should have been given to the merchant a month ago. He has called several times which is a pain in and of itself with the passwords delay and no one to actually speak to. Still he has not been paid. They’re excuse was they couldn’t see that money! Or they couldn’t pay it . No customer service. I have my cc giving time and date of payment to square. It was run through just like the original bill. Poor business and unacceptable response. Do not get this business.

  • Dusty Abrahamson

    TERRIBLE!!!! We gave this POS (more like piece of you know what) system two tries and had both accounts deactivated after taking out first payment on both. Then we jumped through all their stupid hoops and provided all the information they requested only for them to deactivate the accounts. You cannot speak to anyone on the phone and it takes DAYS!!! For a response. When you get a response it is very generic and all they do is refer you to their policies without explaining what violation/ if any you have committed. Then they freeze your account and hold all your money ransom. Or you can refund you payment back to the customer and track them down to see if they can pay you using a different method. This pos is a fricken joke. STAY AWAY FROM IT!

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  • paul

    I opened a merchant account –linked my bank account and debit card as such was confirmed buy Square

    Taking 1st payment the reader did nit word on the phone so customer car was entered manually– Day number 4 ; the deposit show pending and to be released each day!
    Paid extra 1% for instant deposit–did not deposit instantly

    I messaged customer service and then received an email that payment can be accepted; however deposit put on suspension wtf !!!

    Then. I received an email to complete a verification form
    I completed said form–still pending !!!

    My customer has the product— I had to text customer and then I issued a refund– customer agreed to pay me via paypal!!
    GUESS WHAT REFUND PENDING

    I’LL FILE A COMPLAINT WITH THE FTC ONLINE NOW

    ONE COMPLAINT WON’T WORK; BUT 1000’S WILL

    SO FILE A COMPLAINT

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  • Rob

    Customer disputed a charge several months after making payment. Square’s dispute resolution team could not get the “dashboard” to work. Despite being assured they would only place a hold on the funds in question they seized them anyway without explanation. They refuse to respond to email and refuse to provide a phone number. When initially asked for a contact for their legal team I bogus address was provided.

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  • S

    After several electronic invoices from a long time customer who happens to have my same last name, they closed my account with no warning, no opportunity to provide an explanation or evidence of shipments of product delivered, customer website displaying products etc. Nothing, just a form letter accusing me of a pattern of charging my own card or some such bs. Had never done that. And of course when your account is closed you can’t even reach a representative! Square is absolutely ridiculous. Leaves a bad feeling. Every time I see one of their stupid registers I pay with cash and when possible mention my experience to the business owner. Screw them!

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  • Tiffany Bentley

    DO NOT USE!! They will not give me my money. I have used Square’s credit card processing service before. I accepted a credit card payment for $833 for a service through square’s processing services. I called Square’s customer support line to find out when the money would be deposited in the bank on Friday 09/21/18 and they informed me I would have to wait until Monday, 09/24/18 to receive the deposit. I had setup my account to receive instant direct deposit of funds from Square whenever processing a credit card, so I was upset. The first customer service representative I spoke to said they could not do anything, I could not have my deposit until Monday. I asked to speak to someone like a manager, or someone in charge, not just a customer service representative. i was given a manager to speak to, and I did continue to argue with the manager demanding my money. The continued response was I would have to wait until Monday. I researched the internet for a phone number to their corporate office and I could only find a number that directed me back to their customer service number, and I would not be able to speak to customer service until I got onto their website and got some number through going through a very long process. So, now it’s Monday 09/24/18, I am expecting my money that Square is holding. There was no deposit in my bank account. Not until Monday morning did I receive some sort of email requesting my personal information. I had used this service many times before. I sent them my personal information. Later in the day I went through the long process of trying to speak to a human being, to which I finally was directed to one, who informed me it would take 2-3 business days for them to process my personal information. So, now they have been holding my money for 4 days, and have come up with a reason to hold my money for 3 more days. I explained to the customer service representative that I was told on Friday I would receive my deposit on Monday. It is now Monday, and I want my money. You cannot just hold people’s money. She just kept saying I would have to wait another 3 days to get my money, making the total number of days 6, when I have my account setup for instant deposit. So, I requested to speak to a manager, and was denied that request. I asked for the corporate phone number, which I was denied. So, they are just allowed to hold my money and I am angry. I tried to call their corporate office and all that happened is the automatic system sent me back to customer service. And, because they are holding my money that I earned, I am angry and expressed my anger. They now have blocked me from being able to contact the company at all. How can a money processing system have no way to speak to someone besides the customer service representative, and then block the consumer from calling at all? This is not the way to run a money processing business. I find it gross neglect of handling other people’s money.

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  • Jr

    Do not use this app, Square makes promises that do not ever hold up, the company will not hear complaints or return emails, the managers are there to receive a paycheck that you worked hard for and will not care if your money is missing or stolen, the representatives are disrespectful and will not take the time to fix any issues related to a complaint. Please use another way to receive payments Square is not the only one who does this method of payments, so I found out

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  • Chris

    ***Gun shop owners beware*** I purchased square on 6/29 from Amazon. I followed all directions in setting up my account information and did a test transaction and all was good. About 2 weeks later, I get an email notification stating that square could not communicate with my bank and to please contact my bank for my information. I went ahead and contacted my bank to make sure nothing was wrong and they assured me that my business account was ready to go and start accepting payments from square. This happened at least 6x and still getting the runaround from square, stating that my bank is the problem and not them. I come to find out that square is not a gun friendly company and most likely have not been sending the link request to link my account and then lying that they could not communicate with my bank. I have since moved on to a much better credit card processing unit and will never support square due to there intolerance of law abiding gun ownership. they should be ashamed of themselves but I will take a little responsibility in this as well because I should have researched who owns square and his political affiliation. Better l;ate than never I guess


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  • Robert Ferrera

    I’m the co owner of a growing children’s theater company that has been unfortunately handling our transactions with square. Our business brings in a steady stream that naturally fluctuates from day to day, and we recently had a very good day, probably one of our best. This was over a week ago now and square has yet to deposit our money. We have been told it’s “under review“, no details. They tell us we can’t discuss the account information over the phone inexplicably, but that instead we have to email about it. We have sent email after email to them with no response.

    They have essentially stolen our money and are as crooked a financial business as I’ve come across. I’ve read a lot of other reviews and this but this company is begging for a class action lawsuit as it seems they’ve defrauded many small businesses like ours.


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  • Jerry C

    Yea i don’t recommend them for any online transaction i had one customer i did all the work for them and i made sure the customer was happy but at the last min customer regrets the purchase and 6 months later disputes the charges and square couldn’t do anything for me and i lost $4,000 they said they couldn’t help me much i felt this was bad i was hoping they would fight back and help me solve this issue i would not do business with square because your pretty much on your own


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  • Katie Short

    I sell meat at farmers markets and depend heavily on Square. A month ago, it just quit working. I’ve tried everything to reconnect. No luck. Nobody to talk to. No way to get the so-called code for support. What beats me is that Square’s losing money while my account is down, so why don’t they help me get it back up and running? I’m done with them.


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  • Ivo

    Square is by far one of the biggest joke companies on the US market today. Terrible customer service, can not resolve any issues, can not get hold of live person, can not get any explanation on any issue. If you are in process opening a new business or trying to get merchant processing company, Square is not the one for you. Guarantee 2- 3 months later you will regrade. Consider different payment processing company for your business.


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  • Spurdy

    Square worked fine for my small business for over 5 years. Then all of a sudden, a month ago, they held all of my deposits. When I investigated why, I found a form online that said I needed to “verify” my business account. I filled it out but it kept saying I needed to provide more “documentation”. The instructions are not clear as to what exactly this is. I provided a tax code-but still no deposits. I emailed many many times and got auto responses every time. I tried to phone many times but you can not speak with a representative without a “code”. I couldn’t get a “code” because I needed to “verify” my account. And round in circles as naseum. The one time I did get a response back from one of my many emails, “Fred” finally gave me a “code”! However it was “invalid” when I tried to use it to speak with someone about my account. This was by far the most frustrating and possibly the most illegal business practice I have ever witnessed. I know I signed “agreements” with Square when I started with them, but I never would have imagined that they could keep a months deposits from me and that there was not one live person to help me with the issue. I would discourage every business owner I encounter that is looking for a system such as this, to never ever ever ever ever do business with Square. It was convenient, but very over priced compared to other systems, and worst of all there was absolutely no customer service at all. None. Zero. In fact I am still wondering if there are actually any live people that work for Square, or if it is just a “completely computer run” system ??? Do not use Square when there are so many others with actual customer service, to choose from.


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  • Amaris Bailey

    Horrible & Unreliable service. Cash App/Square Inc. took $700 from me & my husband account 7 weeks ago, & it’s still Unresolved. Please Note, neither me or my husband authorized a transaction at all. Square couls not explain how this happened. Not one person has contacted us, & the emails from Square, Inc (aka Cash App) that promised to get put our money back, stopped a week ago. Both our banks advised us never to use this app because of these problems from many others. This should be illegal, but we will be included in a lawsuit that comes from this.


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  • Lasonja Brown

    Did two transactions thriough Cash/Square those transactions were supposedly refunded…my bank has no records of the refunds I have been trying to get my refunds back since June 14 I have written numerous emails with all the information that had been asked by them of me still no response back no money no anything I will never use them again And I advise you to do the same


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  • Sheila Dumas

    Square is used by the ER Electronics store in Leesburg, FL. On May 22, this store sold me a reconditioned iPhone (which had to be ordered) for $493.69. The charge went immediately onto my credit card. On May 26 the store could not obtain the iPhone and they gave me a receipt matching the sales receipt of 4 days earlier, but with a minus sign on amount. From 5/26 to present, 7/2, the ER store said they notified Square of the return and told me the amount would be taken off my credit card. This has not happened. Each time I contacted the store I was told that Square would remove the charge. Poor service.

  • Elyse Ellinger

    Someone hacked my account and I can no longer log in. I can therefore not reach customer support because you have to log in to get a code so you can call support. The only other way is to send them an email, which I did, but apparently they will answer in up to 24 hours. Meanwhile, i’m freaking out about who’s using my account and what they’ doing with it. Unacceptable!

  • Steve

    Unfortunately the support team at square is very poor. They make assumptions and recommendations based upon those assumptions. Such as they assume you have not followed suggestions for resolutions. Sent me for a software upgrade I already had, assuming I had an older version. Unfortunately I have received no help from square at all. To call you need a code and they run you in circles, no code.
    The support is for the simplest of issues and no real help if you have an issue that requires more than basic operation. I used to recommend square but can no longer do so in good conscience. Use square at your own risk!

  • Brian

    Called the day before to verify maximum transaction amount, was told $50,000.00 as they have posted, the transaction was $7650.00 they deactivated my account without completing the transaction held the money and charged the $210.00 for the transaction they chose not to complete. They need a class action suit for deceptive and misleading practices, all in favor👍


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      • justen

        Hey we are in process of filing suit now against them.

        I had a fireworks stand & used their pos system for 21 days. At the end my figures show I should of had close to 65000 in sales square reported 21000 & when we contacted them we was 1st told to upload a ledger & it would be fixed we did that. & then they said funds are being held & now I can’t get a hold of them


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      • Shawn

        If you start a class action lawsuit, I’m in at [email protected]. They took money from me claiming that my account was connected to another business. It isn’t! My husband and I shared the same bank account about a year ago and for about a week until he got his own business account, his business listed our bank account as his verified bank account. We switched hat over a year ago,and he’s had his own business bank account. About a month ago he got a chargeback from a client that was fraudent but the bank of the customer rulednin their favor. So this month I get paid from a client, Square holds my money and then says because I have a connected account, they are charging me for the chargeback since my connected account is underfunded? What? It’s not even my Square business account and my bank is not attached to his Square account. How can they do that and it be legal and they tell me investigation closed?


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  • Elizabeth Drury

    We have tried to work with Square to get our account corrected. So far, they have yet to return our customer’s money and we have yet to receive it. In other words, they have our money! You cannot reach them by phone. I was considering using this form of payment versus VISA for our business (lawn/landscape/tree business) but after this trouble, forget it. I am happy to pay the 2.75%. At least the credit card companies are not thieves.

  • dennean baker

    i purchased ice cream and said i didn’t want a receipt. my sister calls me and said she received a email with my purchase. how is my sister receiving my receipt. why did they send it to her. we dont share email address. what if my information went to someone else. the store manager or owner didnt care. it was baked bear in bethesda. so upset.

      • Rena Van Steele

        Exactly the same for me. I send a receipt for a transaction. That person does not receive the receipt. A different strange person calls me furious that I have sent them a receipt and they have had no charge card what so ever for 5 years,…and now they are receiving a receipt for someone else card and someone else transaction. Lots of wasted time, energy and frustration and lots and lots of back and forth to figure out. Finally a rep said,..” oh sometimes that happens and disregard.” Grrrrrrrrr


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  • Keith Chemlen

    Square is the worst company ever. If you own a company, and are looking to process credit card payments, be careful of this company! They allowed me to set up an account, and once i collected my first payment from a customer, Square held the funds and requested all sorts of hard to get documents to verify that i was a legit company. I am easily verifiable by a simple google search, which clearly indicates hat i am a Corporation, fully licensed, etc. These practices hurt my operations and almost put me out of business.

  • Manny

    Beware, this app is a scam it sucks,unprotected. I sent money to an individual and they literally told me they weren’t going to send me my product,and there’s nothing I can do about it I contacted square they said there’s nothing they can do it’s unprotected once you send your money it’s over the seller does not have to refund your money does not have to send any product and you’re out of X amount of money this app is terrible, this company Is terrible. It’s a scam and there’s no protection stick with PayPal at least your money is safe.

  • C Miksicek

    Earlier this month (May 2018) I was a victim of fraudulent charges using Square accounts. I have been in contact with Square for two weeks now by email and have yet to get a satisfactory response from them (I can’t find a phone number anywhere). They don’t seem to understand payers are customers too. I see 19.2 Million results on Google for fraud + Square, so I don’t seem to be the only one experiencing this problem.

  • John Baumberger

    I’ve been doing business with Square over 5 years and apparently they put my money in the wrong account and are holding saying I need to fill out form I put my federal ID # but they want an EIN # which I have no idea what that even is. Please call me 812 454-8812. why up till now have you made my deposits but now you can hold it. This is outrageous!!!

  • Hayley

    I too am having problems and I don’t have a business. All I wanted to do was get my information fixed. Whenever I purchase something through a vendor using square it offers someone else’s phone number and email for the receipt. This concerns me but I can’t get a required code to talk to customer service because I’m not a merchant. I’m asked to sign up for an account, tell them about the business I’m supposed to have and answer personal questions about myself like phone and email. I spoke to my credit card company and they don’t know why another name is associated with purchases from square. I hate companies like this! It’s like trying to get something fixed with Apple and you can’t unless you schedule a phone discussion so they can validate your complaint before helping you because you can’t actually have a legitimate problem unless they agree you do and verify you’re worthy of talking to someone that can fix it. I’m sure after reading all of these negative reviews it’s really a poor ran company. Overlook the cool app and flexibility of taking payments and see the flawed business practices people. Stop using square.

  • Joel

    Square is not user friendly at all. I had to search for their phone number on the forums as it is impossible to find it on their website. Finally talked to someone set up a meeting, changed around schedule and never got that phone call. Waited 1.5 weeks for someone to email me back after countless efforts to try calling them (which you require a code but only if you are a client). Ended up going with another company just because of that reason.

  • Marcia Anderson

    Everything was going along just fine until squared suddenly determined that our transactions were high risk. They permanently deactivated our account and put a 90 day hold on the funds we had. No customer service. Had to refund the money back to the customers and use another service to get our money after 45 days of no help at all.

  • Penelle Skinner

    I agree with other complaints. This ap is now run by techies who think we are all techies too and don’t need some real help getting answers by at least Chat if not by PHONE! The site keeps saying I am in Canada, which I am not. It will not show my “code” no matter how many titles I pour through. No one will take a call without a call, and I wanted to purchase one of its programs. My dashboard won’t register anything, so Forget it! SQUARE management is forgetting that as slick as they get technologically speaking, a competitor will be better at it!! Without the ‘personal’ touch and human response, why would I stay with SQUARE??? No purchase from me today. Horrible company breathing too much San Francisco high end air.

  • Peggy Pettigrew Stewart

    HORRIBLE service! Cannot get a phone number to call to get help. I just signed up with them a month ago. They withdrew $1500 from my account, no explanation. I emailed, and they said it was a chargeback from 2010. They emailed me this answer, and said case was closed. However, I never had an account with them previously! And I cannot reach anyone to help me. I have emailed over and over. AND can’t get a phone number and “code” to call into ask for help. Horrible company!

  • Donna Pantelides

    Square is not a friendly place to do business at all. They held and hold alot of peoples money for 30 to 90 days depending on what the issue is. There should be a law against companies like Square as they dont help businesses, they hinder them.

    • Roxanne Scrivens

      I agree 100% that Square may not be for everyone. They are holding $776 of my funds for 90 days because I forgot to change my Debit card number associated with my account after I completed a transaction with my client..

      I had not realized the mistake I made until after I completed the transaction. So I put the correct info, but they would not transfer the funds to my account. It should not have been a problem since they have all banking info.

      The client sent me a deposit towards a purchase, she was not presence so I sent her an invoice for the deposit..

      I contacted square and they offered a chance to explain via email. I sent them my ID, bank statement, and my business LLC information. I also gave them contact info for the client transaction.

      But to them that was not good enough, so they deactivated my account and sent an email 10 days after they keep telling me to check my email for instructions about them keeping my funds for 90 to 120 days.

      I always question what they are doing behind our backs with the money that they hold.

      I can assure you that the money is not just sitting there waiting for them to send to you in 90 days. The money is being used to benefit them.
      At the very least common sense will tell you they collect interest on it.
      If you dig deeper you will find that they are hiding information form the public about the money they get to keep for extended amount of time. They do not tell the truth. They tell you what they want you to know.

      Until someone questions them or sue them, then they will pay attention. Im one of those people who will challenge and ask the questions.

      We have rights… For that reason I will leave you with this.

      There are many things in the seller agreement which can be considered “illegal”. Holding money for so long does violate banking laws, however, it is a grey area that needs to be cleared up in court.

      There are many lawsuits currently for companies who use these practices of holding your money. Unfortunately, most settle, and usually the results are kept confidential.

      Im going to exercise my rights

  • Sónia

    It’s a scam! Got the account twice, they cancelled them with lame excuses, once cancelled you can’t reach them by phone anymore only email and if you have money on the app, good luck! They will refund it maybe in 6 months unless you cancel the transaction and they refund your client! Biggest SCAM around! Be aware

  • Desiree

    I would not recommend anyone with a business use square they will hold your funds and keep asking for Documents about your clients or customers. I have sent over everything they have asked for a million times but like always they want more and more info I will not be using square again they are giving my business a bad name with all this holding funds and some customers I refund them back and they give me a check or cash because of square don’t use them they don’t deserve our business.

  • chris

    what a useless bunch of idiots these people are! I signed up to get the reader and talked to them in person and was assured I could put the account on my website through godaddy. Not the case, they wasted my time and now I have to wait to get a payment device from another company that actually knows what they are doing. There tech people are the most useless idiots i ever dealt with!

  • Paul Beach

    Square is a very simple, very easy to use system that provides quality point of sale but very limited inventory control and accounting system integration support. If you only have a few items for sale or are not tracking inventory it is ideal. Fast up. Easy. Low cost. Low fees.

    If you have a lot of inventory items or SKU’s … it can be problematic. Also the service and support is …poor. The contactless and chip reader tools are convenient, but break … which is odd for tools with no moving parts …. they are only covered for 30 days and in order to get any support you have to remember to keep your email from square from your initial purchase (regardless of how long ago it was) because without it they can not confirm or track your purchase.

    They are nice, but essentially useless in the support area. It is honestly cheaper to just buy new hardware than it is to waste … hours of time on the phone with support to be told that they can’t confirm your $46 equipment purchase so wont replace the unit.

  • John V

    I had a Square Credit Card Processing Account that I used 3 years ago while working for a company called iCracked. Suddenly, I began receiving collections calls from Square Capital saying that I took out a loan and never paid it back. They have the another email address for a different independent contractor and a different name as the authorized user. They refuse to even verify the Tax ID or SSN that the credit was issued under. Their records are completely inaccurate and it sounds like fraud on the part of Square Capital and/or iCracked.

  • Gregory Harnett

    Years ago I had a Square account. Then medical issues and unemployment hit me bad. Last week I re-established a Square account. I got a sale for $971 to teaching some insurance agents for securities exams. Later that day it was cancelled and I issued a refund request.
    However, 2 – 3 years ago I had an unpaid refund and owed Square more than the $951. They denied the refund to my client, a Regional Office of a Major Insurance Company, and placed two demands so far on my bank account. Twice they sent me an email to make arrangements to pay the past balance and twice I responded with offer to clear up the debt based on their selection of terms. Payment monthly was offered first time, same as well as 50% of any sales coming in.
    I got an email back saying the refund was denied to my client of this week, and that I should pay him back with cash or a check of mine.
    They confiscated the funds and have bounced now twice on my checking account. The first demand they put in the full amount as well as had my new customer’s money in their hands. I never received one penny from the new customer. It was never sent to my bank, just absorbed by Square.
    I have an inquiry in to a consumer rights lawyer to determine if they broke policy or law confiscating the money from my new customer which should be refunded.
    Why would a company tell me through customer service they are processing the refund and then the same day go after my bank and absorb the new customer’s money to satisfy my obligation?
    I just lost a major client and income stream thanks to that action by Square.

  • William S

    I had been a customer of Square for 3+ years and no problems, no chargebacks, only happy customers. I own a small convenience store and also make sales at local flea markets. I mainly sell novelty items, food, spices and knives. I was doing fine until I added the knives to my website then BOOM, Square terminated my account without any notice and no appeals. I have been without credit card system for now without a week.

  • Bradley Martin

    Could not be more displeased with Square. Do NOT purchase! The hardware goes out as often as you have to replace a car charger. When your whole business is down because you cannot process sales, they make you purchase new equipment from a 3rd party vendor. Once you’ve spent another $400 they send you a warranty claim so that you can send your stuff back, before sending new hardware. All the while you’re left with nothing.

  • Chisselle Sanchez

    We processed a $16,745.38 transaction with Square, Square then informed they couldn’t support the amount, therefore, a refund was issue but, that did not stop Square from withdrawing the funds from the client’s account. That was 13 days ago as of today Square has yet to deposit the funds in our account or refund the client. They are holding $16,745.38! There has been no email responds nor is there a number to contact. This is the worst situation our business has ever been involved in all thanks to Square.

  • Ernest Travold

    Received an email receipt from square for a POS purchase. I did not provide an email, my credit card company does not provide any personal information. This is unauthorized use of personal information

    Contact info VERY difficult to locate on website, phone number is useless–msg goes in circles “Check our website…”. Website requires an account (I don’t have–and they are NOT getting my personal info). This is as close to a scam as one can get while staying on the inside of law.

  • Michael

    F- Joined Square in Decembar 2017 company bank account was verified by Square in December, received my Square strip reader in early January. Processed my first transaction on January 24th by entering the card info into the computer payment accepted, everything seemed fine but amount never transferred into company bank account. Waited a week as clients money needed to pay for products they ordered. Payment never received contacted Square and they replied account deactivated. As such could not call(deactivated) to find out why as this was my first transaction. Square Email response was after through review deactivation stands(still no reason why?). Was able to get refund back to very unhappy client who wanted to know why and I still don’t know why. Dealing with Square is very Kafkaesque when most you need to talk to them there is no response only you are deactivated.. Funny thing my other store uses Square and have had no problems, but I would stay away. Something is wrong with their business model.

  • Rodney Mitchell

    DO NOT EVEN THINK ABOUT USING SQUARE!!!! LOOK AT THE COMPLAINTS!!!! GOOGLE WHAT THEY DO TO PEOPLE!!!!

    I own a small handyman business and my transactions vary from anywhere around $10 to $500, yeah thats it. I’ve been using the square app on my iPhone to process these transactions and now they’re holding a little over $500 of my money and wont process the transactions. They have already had me refund one transaction that was o$500 because they wouldn’t pay it so now I look like an idiot and unprofessional to the customers because I had to explain to them why I refunded their money to their perfectly good credit card and I have to ask for a check or cash. Nobody uses the either anymore and they now look like well if you can’t get your credit card acceptance right why would I trust you with my cash. I painted a ladys house who was nice enough after me explaining that Square needed this gave me a copy of her ID, and a copy of her credit card (front and back) and told me to have them call her to verify the transaction. I provided all this to Square. Including everything in the world that I can muster. I can’t get my money but more importantly my business that relies on word of mouth because I am really really small maybe two or three jobs a month small. Squareup.com(Square) advertises that there is no dollar amount limit to swiped transactions and that they will have the money deposited within 24 hours. This is a LIE!!!!! Here is their reply to one of my emails to them:

    For payments that haven’t been deposited (generally in the last few days), you may consider having your customer pay you by another method (cash, check, etc.) and refunding the payment(s) back to the original payment card(s). The full payment amount will be returned to your customer. Refunds can be issued within 120 days of the original payment date. To learn more about issuing refunds, please visit here.

    We apologize for this inconvenience, but our decision is final.

    So I requested Square refund MY money to the customer. Even though I already painted her house so somewhere between here and 4 months she may get it back. Then she may pay me in another method after that. But she will never use me again and she will never recommend me to anyone else. This is just so damaging to my business. Before I got this lovely response from them they had me fill out a lot of useless information, from invoices to ads I placed. I gave them copies of my ID and bank statements and just basically sitting somewhere on this company’s computer is my entire life story. I sent them so much information. My question is this… Why would I have to split transactions if there is no limit to swiped tranactions? And why don’t they have a number for customer support? It’s like pulling teeth trying to get a response through email from them because they aren’t in any hurry at all!! Save yourself the stress, headache, business loss and anxiety!!! DON’T USE SQUARE!! This company is RIPPING EVERYONE OFF!!! Please read the reviews Google Square and look at what people are saying. I wish I would have.

    Also they toute am A+ rating with the BBB. But I filed a complaint with the BBB and I am looking to file with the California AG about the BBB who gives them an A+ rating with 94% Negative reviews and over 1600 un resolved complaints? Who does that. Now I dont trust the BBB anymore!

  • Earl Coobs

    I have been waiting 3 weeks to get money back from a merchant who failed to deliver my product in a timely manner. I put in a dispute with square card and they are not responding to VISA or the merchant who says his funds are on hold. The funds seem to be in limbo. No support or customer service seem to be standard at square card. Why it takes them weeks to settle a charge back is beyond belief. Especially when the merchant agrees he owes you the money.

  • Dee

    Square appointments is going from bad to worse their time zones is all messed up causing double booking. It has been a month that I have reported, on March 13 the online booking calendar changes from PST to PDT not only is it causing my clients to book an appointment and then it shows on my dash broad as an hr earlier. pulse recurring appointment aren’t showing as booked causing double booking.

    • Rena Van Steele

      Yes, Square has really left a major gap in accuracy here. The site directs me to go to the Canadian site. I do. I specifically went to two representatives to get my end of day time exactly how I set it up. That being two very complete discussions and both never took the time difference from US to Canadian causing so many problems as with time differences. I ask I ask I ask why are our numbers not balancing out. Finally after 4 reps,….one knew what they were doing and pointed out the time difference. I am on the Canadian site which it directed me. Why is this so difficult and why do one of 4 reps knowledgeable about the different time changes. Daaaaaaa


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  • Dr H

    If you are looking for a cheap payroll company, Square is one of the cheapest. You get what you pay for! They messed up my taxes and would not take responsibility! They told me to file amendments because that wasn’t part of the service! They are difficult to communicate with. There is very poor customer service. You can’t get a straight answer because none of the employees really understand payroll or taxes. They have an automated system. Press the wrong button and you are screwed! Their platform has a lot of bugs in it and I had 3 major issues during the 6 months I used them. Overall, I would pay more for a more legitimate payroll service. They suck!

  • Travis

    I was recently contacted by a stranger that let me know for about 2 years he has been getting my receipts sent to his phone. After 2 years he was able to track me down and let me know. I have tried to contact square to get this resolved and there is no way to contact them? no phone and I am not a customer of theirs. I buy things and my information is sent ot some random person!!!!

  • Ari Lieberman

    After a year of successful use of Square we ran into our first issue with their equipment after a Square update. It has taken over 10 days and we have had zero solution. All I get from the technical department is a run-a-round. When they finally agreed to send us new printers they sent then ground so I had to wait a week to get them. When they did arrive they too did not work. This is not surprising since we knew the issue wasn’t with the equipment but with the app after it upgraded. Square has continued to charge me for every credit card processed and has offered no concrete solutions. One of the things that surprised me most was when a technical support person told me that they are not able to send anything overnight. So if you sign up with square and something breaks, plan to wait at least a week to get a replacement part and chances are that won’t be the fix. If you are contemplating getting square, contact me first. I am now looking for a new service provider and POS option.

  • Brian Travinski

    VERY Poor company! For absolutely no reason they “Deactivated” my account! And there is nobody to talk to, no customer service to call..they don’t have ANY phone number on their website then I Googled their # and got a recording that says you need to go back to the website to ask for a “CODE” to talk to someone ( who puts their “Customers” through this crap?!?) so I do this, and the website says “Your account isn’t “eligible” for a code”! I’m like “REALLY?!?!?”
    So, in short, they screw your account up buy deactivating it THEN hide when you try to call! Yeah, business people don’t need this kind of service. Will give my business to their competitors. This company is TERRIBLE!

  • Mike M

    Terrible Customer service, boiler plate response, always blaming our equipment. No real person to talk to asked the same question in 10 emails never got the right answer.I had recommended this app to the person paying me and even she is totally upset with them. Nothing but bad reviews. Looking for people who had a bad experience with Square and maybe even lost money or caused grief in your life for a class action lawsuit. You can contact me by replying.
    They are a terrible company that needs to find out about customer service and how to treat people. They have lost a lot of business because I deal with business people everyday and would have referred them easily… if they had any idea what helping your customers meant.

    • cheri

      If you are a small business owner and are looking for a point of sale system to accept credit cards. do NOT use square. I was at a market and all but one of the credit card payments I accepted that day NEVER showed up on my sales report. When I called square they said they did not see any such transactions and if I had indeed taken those payments, which they had no proof, I would have to call each customer (are you kidding me) and have them re run their cards. So if my clients were charged then square kept the money. If they weren’t then I gave my products away for free thanks to square and was told that 90% of the time it is user error because the user submitted it as cash. So they also called me a liar because I was the one processing the payments and was told I entered it in as cash not credit card even though I did it the same way for all transactions that day and only one charge processed. I wonder how many times they have kept my money in the past and I didn’t notice it. DO NOT USE SQUARE UNLESS YOU DONT MIND IF THEY KEEP YOUR MONEY
      I would join a class action suit except the only proof i have is the word of me and my mother as they have no record of the transactions. Isn’t that convenient.

  • Cynthia Foy

    I ordered a Caviar gift card for my daughter-in-law for Christmas and she didn’t receive an email from them to redeem it. I am frustrated because I am only able to communicate with them by email and I need to talk to them. I have tried to straighten it out multiple times over email, as has my daughter-in-law, but it is now February and it still isn’t resolved. The customer service leaves a lot to be desired.

  • Matt Cracas

    Square is continuing to bill me automatically after I have canceled my service with them, and i can’t reach them to resolve the situation because i am no longer a customer with a customer code!!!!!!!!!

  • Sam

    They deactivated my account by email, with $35,000 frozen. No reason no phone number no nothing. Please anyone outthere help me out and tell me what I should do. Thank you all. The biggest SPAM please people don’t use SQUARE

    • KIMBERLY PACK

      Sam,
      I am so sorry to hear about your problem with Square. My business was bankrupted in 2013 due to them doing the same thing to me. The Ohio AG didn’t even help me because I was the business owner, but they were available to file felony charges against me due to my clients not receiving their products. I couldn’t even get Square to return their money. The emails back and forth were exhausting. When I signed up I gave them all of my info. When I demanded a phone number to call regarding them deactivating my account, they suddenly said they offer all complants via email only, but if they could call me I had to give them a telephone number and EXACT time to call. So I did, I sent an email with 123-456-7890 . Now to anyone that had any sense at all they would know that was not a good number, I thought I would play their game. About ten minutes later I get another email stating “Kimberly, we aren’t able to get that number to work” – I knew right then I had been had. Wishing you the best in getting your money.

  • joyce A. Pagán Nieves

    HORRIBLE SERVICE NO ONE TO TALK
    For more than 3 days I had try to comunicate with square by phone and by email, to clarify this issue of a suspended deposit of my payment and it has been imposible. I am very dissapointed with your bad service. No number to call, no person to talk, no chat, no nothing. It is very frustraiting that you have my payment and you dont act fast. And there is no service at all. Horrible Service its not reliable!

  • Barbara

    I bought something from someone using square and never received my item. I try finding a way of getting my money back but they don’t have a place for me to do that. That’s not fair they get paid and we don’t get out product. I will do paypal from now on square s**ks.

  • Michael Malloy

    Square reader has to be the worst company for customer support. If you need help you have to log in and request a customer number just to talk to someone. Not only are they not open on weekends, they can’t seem to get there accounting right. I gave them my account number for my business and they deposit into my personal account. How did they get that information I don’t know? Square reader is the worst! Do not pay for instant deposits if your a member of a credit Union. Everytime I paid for instant deposits they never came instant. My credit Union don’t recognize them. I use U of M credit Union.

  • John Madden

    California’s Song Beverly Act forbids requiring an email address to get a receipt for a sales purchase. I made a cash payment, requested a receipt and was required by local business to give my email address which they gave to Square who sent me a receipt. Square has no phone service and I want them to remove my info from their database.

  • Sally Henderson

    My boyfriend decided about a year ago to sign up to process rental payments through Square. Up until this past month he’s had no problem getting his money deposited into his bank account. However, this has changed. Square starting withholding all payments processed in the month of December. We have made many, many attempts to get this problem resolved. There is no phone number to call. We have sent a total of 9 emails to no avail. This is the worst customer service that I have ever experienced in my life.
    I would not recommend this service to my worst enemy.

  • Jessicah Hayes

    Square is awful. They decided to permanently deactivate my account because more than 2 comsumers used gift cards. They deactivated it on Thursday. I missed ALL SALES CHRISTMAS WEEKEND!!! I am all online, this is my busiest weekend of the year!! I am going to have to close my business. I tried to withdraw my money but they are not letting me. I am a single widowed mom with a daughter in college and one in high school. No one has responded to my emails and they said I don’t have access to call. When I call the 800 number they ask for a code, which I do not have so they hang up. I am not even allowed to post on the community threads. I needed my money for Christmas, I am in the negative at my bank and getting charged more everyday. Who has a number I can call? Why is this happening?

  • Alix Curry

    NO Customer service. Square shut down our account with no notice, no explanation and is holding onto our clients money. This is FRAUD. If you are closing the account in spite of us following every directive to the letter then have a PERSON available to explain why. Square is apparently allowed to keep our clients money and get away with theft!!!! Our clients think that they have paid us. I will not go on and on as plenty of people before me have had the same experience. This is not a good company and I am surprised they are allowed to get away with what they do. If I stole people’s money I would be charged and sent to jail. Square is allowed to hang onto other people’s money and apparently does not feel compelled to explain themselves. We followed Square’s instructions, did all that was asked of us, (and more) had our account shut down and our clients money has been seized. We cannot run our business with no payment, Square should be held legally liable for fraud. BEWARE OF SQUARE.

  • andy

    $5 billion company. No one to talk to.
    I have 30 years experience running a retail point of sale and dealing with banks and merchants. I have never seen a company that takes in 100’s of millions in revenue and has no phone support or decent client customer service. After using Square for 1 year without any issues, no charge-backs and no complaints, they suddenly shut down my account. When trying to obtain the reason for closing the account, they sent an email that reads:
    — “Thanks for following up. We understand that this can be a frustrating experience.
    Unfortunately, our decision to deactivate your account is final. Due to the obligations of our agreements with card networks and other financial institutions, we cannot reverse this decision and are unable to provide additional details. For further information about our policies, you can review the Square Terms of Service on our website. Again, we apologize for any inconvenience this may have caused.”—
    So there is no explanation and no reason given as to why the account is suddenly shut down.
    Square inc. is a PUBLIC company and it is traded at NYSE under the stock symbol SQ with a recent valuation of 5.4 Billion Dollars. A Company at that size should be held liable for making the life of small business owner a living nightmare, deactivation of account and holding funds with no reason could be devastating to some business owners, specially when the payment was for service, not a tangible product. With so many complaints, it is time to file a class action lawsuit against Square inc.
    Such lawsuit is likely to end with a large payout to all victims of sudden deactivation and funds withholding.

  • Gary Hughes

    Very hard to get a fast response from square, processed a charge 6 days ago …. no money , every day when checking get message “sending that day” day keeps changing. Have to loose these scum bags. Costing me money.. not helping my business.

  • ssk

    After many years 100% problem free, out of the blue Square falsely accused our business of running personal cash advances and summarily deactivated our account. We attempted to resolve the issue numerous times. Their responses were boiler plate if they responded at all. They lock you out of customer service and their forum too. Enough to make your blood boil!

    Don’t trust Square. They really don’t care about their customers.

  • Arden

    The negative reviews for Square surprised me. I’ve been using square for a professional services business for several years and would give them a solid “A” rating, perhaps even “A+”
    They are in my view significantly better than all other options I’ve explored to receive cc payments. I’ve tried another cc processor w/out monthly fees that charged more per transaction and put several day holds on my funds. With square I have ALWAYS received funds promptly. I also have been courted by other credit card processors (calling, emailing, etc.) but everytime I compare the annual costs (their monthly fees, some with terminal requirements and most charge a premium to accept Amex) Square costs me less to process.
    Now I offer professional services in a brick & mortar location, don’t do any funny business and probably am “low risk” in terms of cc transactions. I wouldn’t at all hesitate to recommend Square to others in my line of work and in fact do!

    • Marie Gourdet

      I guess that’s your own luck. They are holding onto my customer’s money for 4 months, with no explanation. I ordered the products for my customer using my own debit card. Those thieves called squareup are holding onto my money for no reason. I did everything that they asked, even sent them a copy of my driver license. They stink, their odor is riding up their custmers’ nose…

  • Susan Oster

    Things you can do:
    1. File a small claims lawsuit and let Square know you’ve done so (you can do a bigger one but it’s a big hassle and much more expensive) Do it in your area so they have to come to you. Their legal counsel is Hillary B Smith. This can usually be done on line quite easily.
    2.File a complaint on line with the Federal Trade Commission. Holding Funds without notification of a non-client is Bad Faith Breach of Contract and it is my contention that they are using these funds for their own profit/interest…etc. When you are a publicly held company, this is a big no-no as it could affect their year end earnings report.
    3. Call or write a reporter. I wrote a bunch yesterday and have an interview Monday morning. Make noise.
    4. Let Square know you have done all this. I can’t promise you’ll get a response but boy, I sure did.
    5. If you didn’t know this, you can return funds from your deactivated dashboard to your client’s cards immediately without a hold. They won’t tell you this until you get ugly.
    6. Remember you do have power and collectively we have more. Have a good holiday and let’s make change together for a better 2018.

    • Jessicah Hayes

      Thank you Susan, I am following your advice. I am beyond shocked how many people this is happening to. Square has permanently deactivated my account because more than 2 consumers used gift cards. They deactivated it on Thursday. I missed ALL SALES CHRISTMAS WEEKEND!!! I tried to withdraw my money but they are not letting me. Everyone is going to know about this. Class action lawsuit for sure.

    • Jake Eissinger

      the thing is i was notified i could refund customers however the customers have already got the merchandise they ordered and all items are being used by said customers. they shouldn’t have to return items because we send our products all brand new, and square refuses to give our money after providing tracking for all our customers

    • Justin

      Susan do you have an address for the small claims lawsuit for square? They shut me down yesterday and from what I’m reading I need to get on this quickly and be prepared if my funds aren’t given to me.

      • Susan Oster

        It turned out that they have a CT company here in California that is there legal representative. I had to serve them instead of Hilary Smith. I had to call the court after trying in vain to file against someone in San Francisco. I don’t know where you live, but call your local courthouse and find out who the rep is for Square. They had a stack of paperwork against them here and the clerk had to wade through it. Don’t forget to get proof of service – I hired a company to do that. My question – under what circumstances would they have given the money to me after the 90 day hold? Presumably none. By waiting, I would have been out merchandise and money. Since I’m deactivated I’m technically not their client, but I have proof of payment to them over months..so, nice client service, there, Square. Second question; Are they making interest on held funds? And do they report that in their year end report? Third question: why not just decline the purchase since you have the power to do so? If the sale is questionable, they should question the sale. Fund holding is NOT in the terms. Stop referring us to terms in which your own actions are not listed. Lastly, I’d like to refer everyone to Authorize.net with whom I have built a great relationship and whose customer service is top drawer. I am thrilled with them, and if you are looking for an alternative check them out.

    • Jamaica

      We used square for the first time today for a rather large deposit. I received the verification email and sent all requested documents, but now I’m wondering if I should just issue a refund and be done with it. I’ve read that it can take 60 days for the refund to reach the customer. How can I do it immediately like you did?

      • George

        I have been in the retail automobile business for 35 years and never encountered the utter nonsense that those clowns perpetrated upon my company. it almost cost me my job. The held up 69k for three vehicles for 30 days. I was under intense pressure to get the money. They deactivated my account refused to speak to me, said my only way to communicate with them is by email but never responded. We finally received our money but Square is anathema to me now. The biggest joke of all was after we received our money yesterday I received an email from a woman telling me my account has been permanently deactivated which is hysterical if they ever thought I would do business with such an unscrupulous company again. I closed my reply to that womans email with ” I feel sorry for you to be working for such a bunch of thieves go be a stripper it has more dignity.” With my apologies to strippers.

  • Susan Oster

    Square is not a bank. I, and probably many of the other merchants here, are verified by their banks already. My bankers went through a rigorous verification process with me and so I had no idea that a processing platform would even have the right to HOLD funds after deactivating me. Either work with me or don’t, your choice, but if you are not working with me, you can’t hold my customer’s money. That is theft, plain and simple. Do I think they are making interest on this money? Yes, I do. Leave verification to the bank. Do your job and move on. I’ve taken legal action, and BTW, this part of the plan is nowhere in their agreement.

  • John

    I had the unfortunate problem of being affected by a server bottleneck with Square. During a recent small event where there were a few [8] merchants selling their wares we all started having issues with cards being processed. Transactions were timing out. This was not a WiFi or Internet issue as other apps and web pages worked very well. During one transaction at the point the customer began to sign for their sale the screen went back to the register. Since the transaction was approved and the customer began the signing process it was apparent that everything likely worked out well. While the customer wanted to be sure and checked her bank app, I tried to view the transaction summary on the Square App – it timed out, repeatedly. Seeing that the transaction was pending with the customer we agreed that it did go through. Being in a tricky situation where I could greatly upset a customer and others around me which would be disastrous, we rested upon trusting her bank. As it turns out the transaction was cancelled by Square so I immediately reached out to them to report this issue and attempt to salvage this sale. They took 9 days to respond with a very pedestrian first level tech support answer and did not address any of the information provided. In fact the response was far off topic. I immediately replied and 8 days later I received another tech support response, at least on topic but not directly related to the specifics. I again immediately responded and a day later received an email telling me to contact the customer. Now, I would have done this by now if I was allowed to see the customer’s information. You have to pay for their marketing services to be able to see customer information, I use another service. Responding with that detail I received a response some days later telling me the customer was contacted and I may expect a response. Well, no word from the customer and giving them 30 days to respond I decided to follow up with Square and stress the point that this was a system failure on their part and can be documented by others to validate. All I received was an automated response that the case was closed and I need to open a new case. Square likes to blame the end user for their limitations and failures. They refuse to be cooperative and helpful. I am no trusting their chip readers any longer as the failures seem to be more related that device. To continue to use their services I am at risk of more transactions going unpaid and presenting a very unprofessional image to customers by having to question their cards. Square took too long to respond and did nothing but point fingers at me in place of jumping to action to help. I am out money and time dealing with them and feel that they don’t care. I feel that these situations need to be made public and Square should be required to track and report publicly system integrity issues as they happen. All of this is not small business friendly!

    • Rena Van Steele

      OMG!!!! I have lost so much money in sales that magically disappeared. Just terrible. Square is not concerned. Hank, the customer service manager,…(can you believe it) does not care. He was so busy trying to get me off the phone he offered me to refund the 60 for the piece of garbage chip reader. Also 2000. in fees to compensate. Now, somehow, miraculously,…that credit has disappeared with an (noreply email) saying,…….”It is now in sales (that being $50. compensation when I was led to believe it was 2000. in fees. Big difference. Mr wonderful Hank. Did not want to answer my calls, did not answer my email,..and just shoved the issues of…………….where are my sales and why are they not registering when I am getting prompted to enter the card, get pin and signature,…complete sale…..only to find it was not recorded. Tech letter I was sent said, “all sales were captured”. What a bunch of morons,…it was not the sales it captured that is the issue,……it is the sales that disappeared when I followed all the prompts to signature and pin and done. This is a major financial company and …………they do not care,…sorry,…and “move on”. with no answers. But when I was told to,….”move on”,..twice by customer service reps,..I just about fell over. Still no answers and point the finger at me. I lost thousands in sales that have disappeared. So much time, effort, frustration and anger. This is how a customer service manager deals with a very uncomfortable situation. Terrible!!!!!!


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  • Melanie B

    On September 3, 2017 I used my bank issued debit card at a store and got distracted and accidentally left my card in the card reader. When I realized it, the store was closed. The next day I checked my account and there was a Square One transaction for $300. I called the store to ask if my card was there and was told that it had been turned in to the office by the cashier who checked me out at the register the day before. An employee there who has a business on the side and is a Square One merchant swiped my card and transferred $300 from my account to hers. I filed a police report and the employee was fired from the store. I printed a copy of the receipt that has her name, address and phone number. It also shows where she forged my name. I have spent hours searching Square One’s website to get information on how to report her. Since she committed fraud using her Square One account, she should be deactivated. I just want to make a report but it is impossible to get any information on their website as to how to report a merchant for fraud. It seems that you can only speak to a customer service representative if you are a merchant.

    • Jeff

      You need to contact your bank and explain the detail of this fraudulent transaction. Square generally won’t be able to help you, but your bank should be able to backcharge the fraudulent merchant.

  • Lisa

    Square was really great for a while, and then all of the sudden they stopped releasing my money! For over two months I have been trying to get released over $4,000 in sales (30 transactions) and there is no way to call anyone, I just get e-mail replies that there is something wrong with one transaction, they won’t tell me which one!! I can not even get an address to serve them for small claims court! They are the worst!

  • Orlando

    Like almost everything, they started very well … now it’s a very bad company.
    I have an animal rental company for parties.
    One of my clients, after I made the event, reported that he had not done the event. We provide all the documents that certified the realization of the party.
    Square, withdrew the funds from my business account and informed me that they were in hold (the funds were withdrawn) after two months I was informed that the customer’s bank had given the reason to his client and therefore my company lost the complain .
    They’re really nothing professional. I will cancel the account

  • John Zawacki

    Square is a good service until you need support
    Almost Impossible to get any one on the phone.
    You are required to login to get support. But if your issue is a problem with logging in, you are SOL. If you do manage to get any kind of response its an email days later asking for additional information

  • Jody Wood

    Square is hold on to my funds. My first two transaction was fine. Now after my third sale, my funds is pending. I received a email stating my account is under review. And my funds will be on hold or suspended until my account is verified.

    I would be happy to supply normal verification documents e.g. licence, abn numbers etc but they are also saying they need a bank statement showing transactions and a copy of my customers invoices, links to my social media and name and contact details of my customer and they are effectively holding my earnings as ransom until I comply.
    I own and operate two companies and I’ve never heard of such request. I wouldn’t recommend using square for business. Especially after this huge inconvenience.

  • William

    I opened my account in June of 1016 and was quite excited.We are an excavation contractor and this account would allow me to tap in to a customer base I had yet to tap. I have one builder that we work for who only wants to pay with a credit card plus any private home owner wanting to do some work around there property who didn’t have the money in the bank up front. Sounded great. However, it did not go smoothly. Out of the 6 transactions that we made using Square the deposits were usually held up because they needed more info on the the customer and more info on the our company. it’s always the same builder that paid with the card. We had 6 transactions all from the same guy. The last transaction went smoothly and I was thinking finally, but a few day later our account was permanently disabled. I contact customer service by email because that is the way they do it and I was told by email that my account was disabled because I broke a rule in the user agreement. They apparently decided I was the customer charging to my self as a cash advance. This is despite that fact there are bank records and I even gave them the phone and address of the customer but I was told sorry for the inconvenience but our account is permanently disabled. I would not recommend the service as it was completely a waist of time and effort.

  • thomas caddy

    I found out that my samsung s8 note with not work with any of the readers. Even though they say they work with the dongle plugged into the end of my phone either the chip reader or the swipe reader to not work. Please update your customer support to reflect this. Also, their bluetooth stand alone reader won’t work.. Don’t spend the money if you have this phone.

  • Eireen Diokno Bernardo

    Is there a legal option we could take to go after SQUARE.com? Based on so many complains and hold sales proceeds, no way to communicate to Square, no explanation why, isn’t it SQUARE can be considered as an online scammer victimizing small entrepreneurs like us?

    Out of so many hold funds they are keeping, I believe they are plundering using their policies to appear it is legitimate for them to hold our money. I think there should be a recourse we can take to hold them criminal liable for using our sales proceed as their own funds. I think they should have civil liability to us for disrupting our business flow, they should not only return of our sales proceed but also for pay damages for cost our money there are using.

    SQUARE deactivated my account and hold $1200 sales proceed last April 26 2017. I did so many follow-ups with them, asking why and how in the last 6 months. I waited patiently for zero answer until now.

    Good thing I have other merchants., I was able to stay afloat. I only tried them with a few transactions. Yet despite of what Square.com did to us, we still delivered to all our clients who paid via Square. We did not made what SQUARE holding on to their payments as an excuse not to deliver. We did not allowed our clients to be affected and absorb the cost of products and delivery.

    Therefore what SQUARE is holding as our sales proceed is a legitimate hard earned money due to be remitted to us based on our user merchant agreement, I think based on law, and based on what is ethical business practice.

    I am exploring legal option, I want my money back, and I want them to stop victimizing unsuspecting small scale businesses. I want all the small merchant’s money returned with compensation for civil damages. Maybe a class action lawsuit will be more damming, maybe they will stop their unlawful practice, allowing an account to be open, accept significant number of our payments then DEACTIVATE. I think it is their MO and the internet world should know.

    Anyone who would like to come together and go after SQUARE for our money hold with them, please get in touched with me, I am now coordinating with a lawyer. My own claim $1200 is very small, if we can come together and share with a lawyer’s fee, talk to many bloggers to call other attention, then perhaps our odds against this financial giant would be better.

    I am Eireen Diokno Bernardo – please google me for contact.

    • Susan Oster

      They are holding a LOT of money in my case and they are not even a bank. I have a merchant ID from my bank and these were bonafide purchases. Same story as the rest of you. I filed a claim with LA county courthouse. You can only do small claims or arbitration according to the contract you “sign” when you use Square, but I’m doing it for the principle. Furious! What are they doing with all this money? Seems like adding to their bottom line for the fiscal year end, earning interest, etc. I’m calling business reporters today as well. These holds are just absurd. Return the funds to either my buyers or to me – if you drop me, you have no right to the money for any length of time.

      • Marie Gourdet

        So in agreement with you, I am going through them, they are holding my money since November. I provided all the info they requested and 2 days later, they deactivate my account and told me that they will release my money after March 18, 2018. Now, to me, this absurd, I never heard of any nonsense like this.

  • Robin Allen

    Square is hold on to my funds. My first two transaction was fine. Now after my third sale, my funds is pending. I received a email stating my account is under review. And my funds will be on hold or suspended until my account is verified.

    I submitted document required, such as EIN number and last invoice of transaction, I did that, and my funds is still pending with no response from several emails I sent. Now there saying they need a bank statement and a copy of receipt from my supplier.
    I’ve never heard of such request. I wouldn’t recommend using square for business. Especially after this huge inconvenience. Now I’m unable to order from supplier, due to my funds being held. Again no one has yet to respond to numerous emails. Nor can I contact them to speak with a team member.

    • Susan Oster

      I have filed a lawsuit. In their terms, however, it says you can only do arbitration or small claims, which are so easy to do and you can do it on line in two seconds. File the case in your zip code so they have to come to you. I would also contact the Federal Trade Commission and let them know the pervasive nature of these holds, and the fact that Square does not let you know, by any form of communication, that you can actually return these funds to your clients and ask for another form of payment. I found this out last night after telling Square that I had filed suit, contacted the FTC and that I have an interview with a reporter on Monday regarding this issue. If they are reporting earnings with the funds held or even just the interest on it, it could be a staggering sum, changing their year end earning number and altering their stock price. This would be of interest to the FTC. Since the terms disallow class action, we must all file small claims and kill them will a million little arrows. Please file, write them and let them know you have done so. Also, let your web design company know so they are aware of the problem.

  • Vicki

    The worst and most complicated software to reconcile your books at the end of the month. I don’t know how they came up with such a complicated system.. Does my head in every time. Hours and Hours of work just to reconcile one month’s sales. What The….? Have to find something else. Shame…because the reader works quite well. Can’t believe I’ve waste my money on this system. Frustrated and Crying….:(

  • Kristi Schmidt

    Ripped me off $462 of my disability money. I sent two transaction which they told me went through successfully. Days went by neither account received their money. So I signed onto my Square account and they had deactivated my account for no reason. This money is my social security income!

  • Jane

    I’m someone with a small business who would love to begin offering card payment. I wish I could use Square– but the thousands of complaints have put me completely off doing so. It’s very telling that no one from Square has bothered to come here to attempt any sort of damage-control, at all. Even more suspicious, is that the USA BBB gives this company an “A+” rating in the face of so many disputes & complaints? I’d be looking to see what connection the people at Square have with the BBB. Something is very fishy there….

  • Mary Garden

    This is an incredibly unprofessional and frustrating organization to deal with abd we’ve cancelled our account. We were a new user of their online payment processing service and experienced some customer issues with getting the correct information input to process their orders. The Square service people tried to work with us to figure out why our custoners were getting cards declined but in the interim another department slapped us with a verification demand that asked for financial information disclosure that was invasive and inappropriate. Trying to get the two departments within Square to talk to each other and address the problem was impossible. They have a disfunctional organizational structure, customer is wrong attitude and supervisors who are hiding from customers. We are taking our business elsewhere because there are options even though they may be more costly. We do not recommend anyone use this company’s services.

  • Rose Steinmetz

    10 stars for this amazing product. I have a small quilt shop and occasionally participate in quilt shows and sell fabric. I ordered the Square chip reader just prior to a show. The instructions are simple and I used it immediately after taking it out of the box. It was already charged. I had no problems and couldn’t have been happier. I highly recommend this product.

    • Bre

      I’ve gone through hundreds of negative comments about this company and then i came across yours. Obviously, u just got lucky.
      This company is a nightmare!
      They are still holding 3,000 and they also deactivated my account without notice. It’s impossible to talk to an actual human being!! Oh, But rest assured, I will not stop fighting. I will get my money back, even if I have to get ugly.

  • Capone De Leon

    DO NOT USE THIS APP, square is quite possibly the WORST way to take orders online. I had a huge job come in $4,500 for a photography/videography job for a wedding and I took the credit card over the phone. The charge was held up for over a week for a “verification process” where they had me jump through hoops to get them the information about my business they were asking for. I did and got them everything they asked and after week 2 days before the wedding, they finally came back and said they “BELIEVED” it was “POSSIBLY” a stolen credit card. I called and asked them if it was actually reported stolen or if this was just a guess, they said they couldn’t give me any more information. So I refunded the order with them and almost lost the job. They I sent a PayPal invoice and the customer paid it online, and PRESTO, the payment was made, no problems, it was not a stolen credit card everything went through just fine. They really put me in a pickle and I lost money having to make last minute travel reservations after I got paid since they played this verification game with me for over a week. The sad thing is that I have been with square for over 4 years. NEVER AGAIN!

  • Lesley Rice

    I liked using Square at first, but it turned out to be a disaster. I was happy with the way they deducted their portion from each day’s deposit, instead of being hit with a huge withdrawal for fees on the first of the month, as with our other processor. Square had cool features I was considering trying, like employee timekeeping and payroll. Then I had a couple of chargebacks and Square immediately closed my account, would not let me log onto the dashboard to dispute the chargebacks (which were bogus) and would not go to bat for me about the chargebacks. There is no way to contact them by phone if you are not a customer with an open account. I had some funds due from credit cards run the day they closed the account, and they never deposited that money in my account. A month after they closed my account, they sent me an email saying I had won a chargeback dispute, but they are holding the money in my account, and it will never be accessible to me. If I win on the other chargeback dispute, the same thing is going to happen, and they will be holding about $3,000 of my money. They claimed that they would hold any money for 120 days, but it has been longer than that already. I would strongly recommend any business from using Square. There are other convenient apps available. Also, I did not realize that the high cost of our bank-based card processing company provided a much-needed level of fund security that apps like Square don’t provide.

  • Onil Chibas

    I am in the middle of the same complaint everyone on this page is having with Square and that is you can’t get to customer service. I was for no reason “deactivated” after just having signed up. Of course they waited until I had a transaction occur for $3953 that they said they would put into my linked bank account even though I had be deactivated and it would take 1-3 business days. Shortly after I was told that they would be paying I received this letter:

    Hello Onil,
    One of your Square accounts is underfunded due to failed chargeback-related debits associated with another Square account. Your balance owed on the underfunded account is $ (5,775.93). As a result, these funds have been debited from your Square Account to recover the disputed amount.
    Square’s Payment Terms allow Square to offset any obligation you owe us against the balance of any connected Square account see Article 16 here. As such, we’ve exercised our rights to offset your liability for chargeback-related debits from the available funds in the connected account.
    We appreciate your cooperation in this matter.
    Regards,
    Joanna
    Square Recovery

    I have never had another Square account and have never had but the one transaction. They not only took the $3953 but still say I owe them over $1900 more. I have tried to contact someone to alert them that this must be fraud but no response from Square. All I receive are form letters saying that someone will get back to me within 1-3 business days. This all feels very shady. What I don’t understand is how do you let me download their app and use it for a transaction before reviewing my credentials? In my case I provided them bank statements and government documents that legitimized my business (a private chef and events company) and then for no reason they deactivate me. To me this is like being approved for a mortgage, moving into your new house and then being kicked out a few days later because the bank decides your credit isn’t worthy. It’s a little confused and ass backwards,.

    Now what to do? Feeling very desperate and without options.

  • Allison Phillips

    WORST COMPANY EVER!!! They withdrew $5000 from my account for a complaint that they had from 2015! I didn’t own a company in 2015!! Nobody there can answer one of my questions and I have called 3 times! They keep switching me from person to person! And when I finally get someone they say “I don’t see what you see” Huh? So in the meantime they pull $5000 out a day and I have to call my bank and prove that they are pulling for a dispute that can’t possible be mine! So frustrating!!!!!!

  • Frederick

    I give this company a F-. I have never signed up for an account with them but I received an unrequested email from them to confirm linking of an email address for a website I administer which I never signed up for or requested. I marked the email as junk and blocked the sender.

  • Melissa Co,e

    I didn’t even get a chance to use my square before I found out I had been deactivated. I signed up about a year ago and my checking account was verified. I have several jobs that made having one of these seem like a good idea. I buy storage units and sell the items at various places, I have a dog walking/pet sitting business and I am also starting to do essential oil classes and vendor events. It was during one of the essential oil classes yesterday when I found out I was no longer active. I swiped the card and I was told to sign up. I tried several times finally had to have the customer write me a check. When I was able to get to a PC and sign in I saw a pop-up that said my account was deactivated. I tried to post on the community boards but it tells me to pick a board but doesn’t allow me to do so. Can’t call them when I emailed all I got was a generic thank you for writing us response. If you’re going to deactivate people maybe you should give them an idea of why and the ability to remedy the situation.

  • Andrew

    We got the square reader for our business and it was problematic from the word go. The chip/swipe card reader is flimsy and difficult to use when inserting/swiping cards. It’s fiddly to get the card just right and the slots get dirty and can’t read the cards. It needs constant charging to get any functionality out of it but ridiculously has to be unplugged from the device to charge. Meaning you have to plug it back in each time a customer needs to use eftpos which creates delays and frustration. All in all a pretty useless. DON’T use this product.

  • Cindy Kellis

    after Ipad update my passwords were wiped and in the middle of a craft show I couldn’t sign in. I tried to reset my password and couldn’t remember security question. I THINK IT SUCKS that you can NOT GET A HUMAN on the phone without a code. CAN’T GET A CODE unless you can SIGN IN!!!! I emailed support and it says 1-3 days before someone will contact me. What kind of business is this? Makes me want to stop using this. I had to turn away customers for 2 hours until i just signed up with new email to use it.

  • Dalton

    Just by looking at all the negative reviews, you get the gist of how this terrible company is run.
    After three days, they arbitrarily deactivated my account, I had sold less than 1k and no disputes. They stated that what I sold was against their terms, which, as I told them, is a lie. I went through their prohibited item list and there is absolutely nothing remotely close to what I sell.
    Stay away. This company cannot be trusted.

    • Jeff

      Glad I found these reviews. I just signed up today. I need a reliable service for my business. I’ve had a merchant account for 7 years with no issues. Won’t switch to square after reading this page.

  • Christina

    There capital has fallen way short in my book they just started lending businesses tons of money loan after loan then one day out of the blue they begin lying to business owners with bogus emails about being denyed new loans after they have paid off several already with bogus things like you have to many accounts, you have business liens, and the more crap I read the scary part is at this point is my customers information at risk with all the scamming going on with the square capital! They have lied to millions of businesses with bogus reports about them and why can’t they just be honest there is no more money to lend folks! SCAMMING is bad business. Face the reality I think square is in for big trouble! They can’t know liens and to many accounts and stuff like that they don’t even require a ss number to process these loans! Stupid on there part yup but sad for the business who trusted square! So sad to think I trusted them with everything from loans, payrol, taxes, credit card acceptance, advertising, gift cards!!! Everything and to think I loved the company now with so many doubts!

  • Thomas

    Once you have enough money or dealt with one of their untrained support monkeys who decided they want to cancel your account (with ZERO reason), no way to contact them, no way to get your money that may still be in their dirty hands, well.. at that time you will change your mind. They are unreliable, not trustworthy, arrogant POS providers (piece of s.. is what it stands for).
    While the app works nicely, why would you trust a company with such a shady practice as described in thousands of complaints? Just because Millions of flies eat shlt does not make it any tasty…

  • JOSHUA TAYLOR

    my account is ALWAYS in review and I have lost countless customers for not being able to get supplies for their order in time. Instant deposit never works and even if they say that same day deposit is available, it’s a lie. Because of square and my trusting square, we are stuck right now and can’t leave to get supplies because we were told we would have our funds at 5pm today, instead I get an email to verify my account FOR THE 5TH TIME… And now I have to wait AGAIN for the funds to post to my account. DO NOT USE SQUARE.

  • Derek Moody

    My company has been set up with Square for several years. I sell parts in the manufactured home business. I don’t use Square often but do need this type of card service. The problem is i opened s new bank account and closed my old account. I can’t get Square to help me set up a new bank account. I need to actually talk with a person on the phone.

  • Diana

    I am a wedding planner and am planning a destination Anniversary, the groom made a payment of 3,000 to go to the venue, Square has placed it on hold and won’t explain why, They requested many things from me like contract with Groom, my ID and they also requested three months of statements, although I sent them all the info requested, they say I have to wait for the review which has taken 4 days and they are still telling me that it is in review. There are no Supervisors on the floor or managers, customer service is rude and they hang up on you. They stated that if they return the payment it will take ten days. I ended up loosing an account due to not paying the venue on time and the couple loosing the room. I recommend that no one uses the service, since you can’t even get ahold of them over the phone unless you pull up a code from their website. I was using this service to help my clients make payment with ease not stress. Bad Company to deal with.

  • Ella Sarkisyan

    I am small business owner. My customer wanted to pay by credit card,i used Square,this company asked me to send my bank information,my bank statements,cardholder’s authorization form and etc…I sent all information,they don’t answer the phone,they sent me letter,the same letter which they are sending to 1000 of people .Here is the letter:
    Hello Ella,
    We’re sorry to inform you that we are deactivating your account. Our Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity.
    For further information about our policies, you can review section 36 of the Square Payment Terms.
    We regret that, starting today, you will no longer be able to process transactions using Square. Any funds currently in your account will be held for 90 days before being released to your linked bank account.
    If you’d prefer to receive funds more quickly, you should consider refunding the payments back to the original cards and seeking alternate forms of payment. (Please note that we will refund all the fees, too.)
    Refunds are available within 120 days of the original payment. To process a refund, log in to the Square dashboard.
    There is nobody who is responsible for Square transaction,they are scam! They charged $5,925 from credit card and since june 20,2017 holding it for no reason.Refund process as they said will take 120 days!!!!! I am going to hire an attorney! People,beware of Square!

  • Maureen Flannery

    I believe this is a sam agency as I could not reach anyone by phone. I noted a charge only CC, simply listed as Books and Greetings, square up.com /receipts.
    Normally, when a person sees something not really all that familiar, one can call and verify the action. They actually force one to register a customer code on line.
    I don’t want to be their customer, I do not even think they should be in business.
    Square up.com does not permit that, there is no way to speak to a human and such a business or site is simply open to fraud. Companies should not be allowed to function w/o any way of verifying who they are. It should be illegal, hence I consider Squareup and illegal, risky business enterprise.

  • Radhika

    Horrible experience. I am a small business owner who makes handmade scarves. I only sell at these big sustainable events. I was at the Green Festival event in New York. A customer, named Maria came in when it was shutting down, negotiated hard with me and brought a bunch of scarves, The amount came to $250.41. She disputed the charge. I have a SIGNED RECEIPT. Square is supposed to cover me for $250. The didn’t. They said because the transaction went over by .41 cents, they cannot cover part payment. The customer planned this of course. I have a signature and she disputed it. What kind of a bank does refuse a signature receipt??? Please stay away from Square. Pretty pathetic customer service too.

  • Ivaylo

    Square closed our account without any notice. Completely non-existent phone support to find out what happened. Now they owe us thousands and are ignoring our requests to find out when we can get our money. Completely unprofessional and borderline criminal behavior.

  • George Evans

    Absolutely the worst company in the world to do business with if you have an issue that is outside your control. Meaning, Square discontinued my service without any explanation. I have no idea why my account was permanently discontinued. I am a legal entity and have been in business for over 20 years. I switched to Square because of the mobility capabilities. All Square provided me was a copy of their terms sheet….I think they do this in case you decide to try and file a class action suit. Per the term sheet, you cannot be a part of this type of suit. Basically, per their terms sheet, you can’t take any action against them.

    BTW, I think I am more upset over the fact that our government allows this type of legal bullying against the little guy. Also, I don’t understand how BBB can rate them A+ when they have close to 1400 complaints….BBB should be ashamed….

    Having same all that, what is that famous quote? “He who has the MONEY has the POWER and Rights the Rules”…..This is the world we have created and right now, Square has the Money and Power….

    I would encourage any business looking for a mobility solution to look elsewhere….Square is not worth the headache…….

  • Ian Dimitri

    I used Square in 2012 when I started a small business. Using it to process payments while traveling was very useful and I was satisfied with the service. Where the company really falls down is if you have anything go wrong and need to fix it. The customer service the company provides is horrible. Were you to have an issue with your Square account and wanted to try and resolve it or get help from the company, things will quickly go poorly. All support is offered by email. Don’t believe me? Try and find a phone number or someone to talk with, you won’t be able to find anyone. All of your customer service will be provided over email and with a new person almost every time. This was my experience anyway. To make a long story short, I left my company to my business partner and went my separate way. There was a mix up and my social security number was not replace with the business tax ID by my partner. Three years later, I get a note from the IRS saying I owe back taxes for a 1099 generated by Square to me that was never sent to me. It was taxes owed by my old company. At this point I have tried for about three months, over email, to fix the issue and Square has been terrible. I have provided all manner of business and bank records and they have still not issued a corrected 1099. I am going to have to end up going to tax court. I had to get a tax attorney to help me. I will never do business with them again and if you think you will ever need support or help by using a payment processing product, I would look somewhere else.

    Ian

  • Gloria Goodroad

    I had a very bad experience with them, I set up my account and I had a customer pay me, then they came back saying that my account was deactivated after my customer had made a purchase. They held my money, and they’re saying that they won’t deposit it until 90 days later. That is riduculous, I reported them to the bbb.

  • Michael Murphey

    With the multitude of small business owners fuming over the unethical business practices of Square. Here is your chance to do something about it. Please sign the petition link below with the WhiteHouse.Gov and let’s get this company to pay attention! It will take ton’s of people signing this to get action, here’s our chance!

    Business owner in Atlanta, Ga.

  • David Cohavi

    In 30+ years of business experience, Square is the most horrible service experience I have ever had. Upon first transaction and verification process, they decided to deactivate me and hold large funds for 90 days! worse yet is you can’t reach anyone to discuss reasons or release of funds. All I get is automated email messages and I’m helpless. I don’t wish that for any business. Beware!!
    I wish someone had an advice how to handle.

    • Dwight

      Square is horrible. The customer service is the worst that I have ever seen and their funds withholding policy is very shady. I personally spoke to a representative at Square and informed them that I had an EXTREMELY large transaction to process, $30,000 to be exact. The representative assured me that the transaction is not unusual for them and that there would be no holds placed on it. After that reassurance from Square I processed the transaction and less than an hour later I received an email stating that my account has been permanently deactivated and that they could’t give me any details as to why. In addition they said that they are going to hold my $30,000 for 90 days with no explanation. I immediately tried to call customer service only to find out that my customer code had been revoked and my only way to communicate with them is through email. It has been 24 hours and I still haven’t heard anything back from them yet. This is borderline criminal and needs to be addressed immediately. For a small business owner like myself this is extremely detrimental to my business.

    • George Cortes

      These people are unscrupulous. Try running two transactions for 60k for equipment and then being deactivated. All the same as other posts no one to call and once they deactivate they refuse to even allow you to speak to them. I work for a small business and i’ll figure it out by having my customers decline charges and pay me in another manner but what a cluster f*** ! I don’t know how they have gotten away with this for so long. we are talking a lot of money holding onto peoples money..the interest must be staggering if you hold several million for 30 days. If you read any positive reviews it is because they wrote it. Bunch of as we used to say scum bags. The owner who probably has a pious attitude at the country club is a dirt bag POS. We will be sueing

  • Steve

    Square is a great concept and when it works it really works well. HOWEVER they hold money for what amounts to ransom. They make demands that you must responds to after they have YOUR money. Can’t call them, as they control that too. Can’t complain as that falls on deaf ears even if you can finally reach them. Can’t expect an answer to your email if you email them, as you will only receive an automated response. I’ve processed more than a million dollars with them in the past two years using six different accounts ( email addresses ) and for the most part, it worked. However over the last two years I had to watch the account(s) every day. That is right. I had to create multiple accounts. Every time they held funds ( they put the account on hold ) I created a new account. The longest I ever had to wait for my money was six months. SIX MONTHS for thousands of dollars that they had. One day I actually got a call from someone who said they were my new Representative. Ha Ha, I said. However this person got the long held funds released. Then he disappeared. I have multiple fixed location companies and they are long established, so the risk is minimal to square. On a moments notice they can hold everything. You can do nothing. That means for most companies the difference from staying in business and going out of business. If you have to use square, attach a debit card to your account, and for 1% more, transfer the money multiple times per day to your account. That limits the damage done to you if they place a random hold. However if you have a choice look for another flat rate company to process your transactions. Flat rate is simple and really does not cost you more. For decades I used traditional processors, with “low qualified rates”. Problem was that most cards don’t fall into the low rate category. Needless to say I don’t have time to review a 21 page monthly statement from the processor either. That’s why I tried square. Final thought. Until Square has real defined policies and customer service, avoid using them at all costs. Rated on a scale of 1-10 = Zero for customer service. 10 for a great concept.
    Lots of choices out there. Try more than one at a time. Don’t keep all of your eggs in one basket. Steve

  • Phyllis

    I too am one of the many frustrated people that have been mislead by Square Up. The business practices that Square has implemented board line on illegal.
    From the requirements to establish an account to deactivating once a card has been processed and not withstanding the salt in the wound of it takes 90 days
    to receive the money. I have reached out for 25 plus days trying to resolve a deposit not being credited to no avail. Customer service is a joke with no chance of talking with a live person.
    I would like to know, who governs this type of business? Their practices need serious review.
    I can tell you one thing Square, if I ran my business like you do I would be OUT OF BUSINESS and not requiring your companies headaches!!!

  • Freddie Sanchez

    This is my complaint I sent to BBB – Better Busimess Bureau.

    I do not know how this company still in business. I started using Square like a moth ago, the first week I did 3 transactions for 3 new customers, they locked my account and put it under review and send me an email asking to upload some documents to verify my business so I did, they lifted the hold on my account saying that was a one time thing. The week after I did 2 more transactions “2 new customers” they did the exact same thing. So I did provided them with all documents needed to fix the problem. Couple of days later I did 1 transaction for a new customer, next day no deposit… So I called them they said that it was a mistake that they will contact that department to take the hold off, a couple of minutes later I was in my account and tried to contact them to see if everything was ok and they blocked my call option. No way to contact them, only via email but this was on July 11, 2017 and no email or explanation from them, and they are holding $6k+ of my money. This needs to stop, somebody needs to hear us and take action… The collected their fees, the have their money and hold ours for no reason at all. Square can’t be playing around with honest and hard working people’s money like that. Scam, White collar thieves!

    • David Cohavi

      My experience is similarly bad. they deactivated me after my first transaction of $2,500 without any explanation and blocked my calls and I can’t reach anyone. I agree this has to stop. did you look into what we can do as violated consumers??
      Reporting to BBB is a good idea and I’m going to do it. What else?

  • Freddie

    This is my complaint I sent to BBB – Better Busimess Bureau.

    I do not know how this company still in business. I started using Square like a moth ago, the first week I did 3 transactions for 3 new customers, they locked my account and put it under review and send me an email asking to upload some documents to verify my business so I did, they lifted the hold on my account saying that was a one time thing. The week after I did 2 more transactions “2 new customers” they did the exact same thing. So I did provided them with all documents needed to fix the problem. Couple of days later I did 1 transaction for a new customer, next day no deposit… So I called them they said that it was a mistake that they will contact that department to take the hold off, a couple of minutes later I was in my account and tried to contact them to see if everything was ok and they blocked my call option. No way to contact them, only via email but this was on July 11, 2017 and no email or explanation from them, and they are holding $6k+ of my money. This needs to stop, somebody needs to hear us and take action… The collected their fees, the have their money and hold ours for no reason at all. Square can’t be playing around with honest and hard working people’s money like that. Scam, White collar thieves!

  • Gary

    Very simple, made a sale on my Big Commerce Store, an hour later got a restriction and investigation notice asking for many things. I uploaded all requested explanations and documents and sent. Next day I called and was told everything looked in order. Two hours late I received a deactivation notice with no explanation and no appeal, final decision. Amazing did nothing wrong and nobody to talk to and discuss. They even deactivated their telephone number on my Big Commerce Dashboard once I received the email. You need a support number which did not appear either after the deactivation email. Very bad service and a reminder that anyone can be out of business in a matter of seconds with the flip of a switch. Scary.

  • Ed Eastridge

    I have just spent the last hour beating my head against the wall trying to get my money from SQUARE. It seems to be impossible. Can you please pay me in any other form. Cash, Check, Paypal. This is the worst app I’ve ever encountered and it has been agonizing.

    My account said I had $180 which i assume is all from you for 6 lessons. When I tried to transfer it to my bank or my card it said my card # was wrong. It was actually correct and when I reentered it said I had no money and no activity. i tried calling them and was told by the robot I need a customer number. When I entered that it said it was wrong and I could retrieve that from there website under Customer Number. That did not work either.

  • Ian Ramage

    Square has held over $15,000 of mine for over 90 days. I believe this is borderline criminal. I do not recommend them to anyone. $15,000 to a small business is a lot of money and they have no right to do what they have done to me. I would never use them again for credit card processing.

  • Debbie Brown

    I had a square acct for 9 mths, been in business 30 yrs. using a chase cc adapter. I sold a $9,500 ring & recd confirmation the sale went through, never cking my bank acct. Square put my funds in a holding area w/o notification to me. I found out 3 wks later when a ck i wrote toward the sale bounced. I called square (which means 40-55 min wait time) & explained i recd email conf of my phone call prior to sale confirming my account was fine for ring sale. Square said I need to supply several pieces of documentation…cust address, receipt & DBA for my business & i would receive a notice within 2 days if the transaction would clear. I also requested to speak to a supervisor & they said they do not have the ability to refer calls to anyone!!! FIVE days later I recd note they would NOT honor my sale. I had to go to an already difficult customer & return his $ & ask for diff payment. Customer already rec’d a custom made ring, making this a risky business transaction! I DONT UNDERSTAND HOW SQUARE CAN SEND NOTICES ALMOST DAILY PROMOTING THEIR LATEST UPDATES & SERVICES ON POINT OF SALE APP, BUT COULD NOT SEND ME A NOTE TO EXPLAIN MY FUNDS DIDNT CLEAR! They kept my $9,500 for a month, then denied the sale!

  • Maignan

    Actually square is stilling money from his customer. Allow me to say it like that , I used square to collect a payment of $4992.60 since May 18 2017 from one of my client for a project , the money was withdraw from my customer account , but square never deposited the money to my account. Square does not have a Customer service , horrible customer service.

  • Randy

    The worst customer service in the history of customer service. Set this account up middle of May 2017 , haven’t been able to process payment as requested, took several bad reviews online to get customer support on gaining our customer code, even after getting a customer code to call the support # they are still unable to correct the issue for processing. This experience seems to be common with Square. I would not recommend a single soul on using this to process credit/debit cards.

  • Amy Usher

    Square could possibly be the worst company I have ever worked with in my history of owning multiple businesses. From the implementation, the entire thing was a disaster. Promises of simple solutions quickly flew out the window as soon as we signed up and began working with one of the multitude of millenials that square employs. The wrong equipment was sent twice which left us to pay for extra equipment to be able to have a functional POS for our opening. The “implementation specialist” that we worked with could not complete the implementation and actually told us at 8 PM at night that she had to go because she had a meeting to go to. Left us flat with a non working system the day of our opening.

    After one year of being the sole communication point with Square from signing the papers to implementation (and after 30 minutes on hold yet again), I was just told that , the owner of the business, am not an authorized user on my account! Laughable and pathetic. Surprise! Square did not set us up correctly in the first place!

    This company uses the “screw up first, apologize later” method of big corporate placating. The phrase “I do apologize for the inconvenience” is repeated like a broken record. It is almost condescending.

    If you want to save yourself a mountain of aggravation, a load of empty apologies, lies, and from being patronized like a 4th grader AVOID SQUARE AT ALL COSTS!

  • Deborah Rainford

    I used my Square chip reader one day and the next weekend I tried to use it, it wouldn’t read a single card. I had to enter each card number by hand. More money for Square and less for me. I want a new chip reader but don’t know how to get in touch with anyone to get it replaced! I need this to work for my business.

  • Dustin

    Square up refuses to accept valid credit card information. There is no functional method of contacting customer support outside of signing up for an account. This method is a joke, their customer service is non-existent, and in the future i will no longer use businesses that utilize them as a method of payment.

  • Keith G

    Square is horrible. Out of nowhere and with 2 calls and emails to their customer service, no explanation (yes, literally an “I don’t know what’s happening”) as to why payments to my account are failing, and then for some reason they are blaming the 4 individuals trying to pay me stating that 4 instances of payments to me from people who make recurring payments to me all must have insufficient funds. Uh, no. The likelihood that 4 people who have paid me using Square each month for over a year would suddenly all have insufficient funds is low. The process for customer service is a giant headache headache as well – they force you to log in online, get a customer code by preselecting an issue through several steps online, then you call in, and are still put on hold until an automated message forces you to hang up and let them call you back after providing your number. There isn’t even an option for staying on the line – great customer service! Hold up to thousands of dollars with no explanation, and then make calling in to inquire about an incredible headache – nicely done! I’ll recommend you to a total of 0 people and ensure they run like a squirrel on hot asphalt in july from you.

  • John D

    TERRIBLE! I

    I understand sending folks to an expanded style FAQ section for answers before talking with customers, but their service and practices are what is HORRIFIC about Square.

    I run a remodeling business where obviously higher-end kitchens and bathrooms run 20K. After receiving a customer’s funds for a new project, Square decided to deactivate my account without notice and only by sending an email. I woke up mortified and was unable to withdraw the funds, but also not easily return them either.

    Once your account is deactivated it is irreversible AND you no longer have ANY phone privileges. To talk to a rep, you have to have an account setup and a code, after deactivation you no longer are able to reach customer support over the phone. UM….You think that would be THE MOST IMPORTANT TIME to reach someone and find out the situation. NOPE. They send you into looping automated messages.

    This basically stopped by business for a week and lost roughly 5K in profit because of this ordeal. SCREW SQUARE. It wasn’t until all of this happened that they are NOTORIOUS for issues related to deactivations, customer support, etc.

    IF YOU ARE READING THIS RUN! Use Paypal, Intuit, ANYTHING BUT SQUARE.

    • Square Sucks

      First off, Merrell and everyone that has used Square or any other processing company for large funds, especially when starting out. You sit there and b*tch and complain how they lock your account for no reason. It might not be your reason why, but have you ever considered that its the customer is the reason why they do it. Banks advertise left and right for buyer’s to deliberately file disputes against sellers and they go about it saying oh your 100% protected. Buyers are the biggest scam artists when it comes to online purchases. So immediately they say, oh the only thing I can do is buy something get it for free and the only thing I have to do is make a chargeback? So the person files a chargeback who do you think the buyer’s credit card takes the money away from? Use common sense. And PayPal or Square or whomever is suck with a $4k $50k debt because of something you brought onto them. It was your item that was being scammed, it was your product that is being scammed, and whatever you did wrong was the reason why it turned into a scam. Now what procedures do you have to prevent you from being scammed. We listen to some sellers cry about being scammed, and then when we find out what they didnt do to protect themselves, like send a $1000 item without tracking or ship something to nigeria without using their brains or knowing anything about the precautions to take? So someone else should pay for a person’s moron mistakes and thinking?

      Yeah Square does things that are way overboard. And what they do make them pure axxxholes. They are so interested in open your account that they know and dont bother to do the necessary steps to ensure that no one gets scammed. The only thing they validate is the zip code of a buyer’s credit card. Ok so ship an item to a PO Box address with the same zip code and then file a chargeback saying I didnt get it. Well the postal service only uses the zip code to validate, so they open the seller. Square is just as bad as Stripe if not worse.

      They should put people on on a limit on how much they can process for a time period and lift those limits based on a person’s history nothing more. But Square is so concerned about seeing how many people they can get that they don’t care about anyone whether they are legit or not. Square operates exactly in the same scumbag fashion of these little wanna be payment services that are popping up all over the place.

    • Marckinson Charles

      There are no ISOs, Acquirers, Apps out there that is going to be the best for your business. All credit card processors make money off of the credit card transactions you process monthly. The best way for business owners to avoid headaches and process credit cards without any fear is to have a person that you can trust with your Merchant Services. When you have an agent who has your best interest in mind. He or she will explains your rates and your fees. There are rates and fees that can’t be lowered, only markups are negotiable. Last thing don’t be too quick to sign a contract without first read it or have a lawyer check it for you. Once you signed a contract with a processor you won’t be able to get out without loosing a arm or leg.

  • Thompson Merrell

    NEVER EVER USE SQUARE, It’s been over 2 F*king yrs since my account was deactivated & I still have yet to receive my deposit from Square, the money is still in my Square account when I log in says “Upcoming deposit” they told me it was a 90 day hold well B*tch “90 days” been passed, When I start a thread in Square community regarding my problem they’ve banned me 5x GIVE ME MY MONEY B*TCH

  • angela d bowman

    I had square and it went well untill we sold an engine for over 4,000.00 the customer put in a stop payment and I sent in all the proof of the order and the transaction but they were rewarded their money back and that was without them sending the engine back So they got a free engine. I couldn’t believe it that was theft by credit card ? and Square should have their customers back. they said it wasn’t their decision. anyone one else have this problem with them?

  • Tracy

    We have been using Square for over 5 years now, we love it!! We have never had an issue with them, I have been able to refund people by making a mistake entering the amount tendered and I love that I can send invoices by email. Square has a great program, Square Capital, to do a loan and is paid by percentages of your daily sales. Also, we plan on looking at the new payroll service. I love Square!

    • Square Sucks

      Tracy is nothing but a BS artist. More than likely works for the company or loves to go to review boards and place contradicting information to get under the skin of people who have been ripped off. Tracy has no evidence except her own worthless statements she cant back up, if it even is a female.

      The truth about Square.com is that they are nothing more than a con job company. They are so eager to sign you up, they don’t do the traditional work as a normal credit card processing company does, until shortly after you start using the terminal and then you get hit with them stealing money.

      Square thinks they want to be the next PayPal so they will sign up anyone they can get their hands on. They will lock your account for any reason whatsoever. They will use any and all excuses possible to steal money from you. They dont know what your selling, they dont know what the transaction is for, regardless of the dollar amount, or your processing volume, these scumbags will lock you out of your money and disrupt your business.

      The reality of running a business is that no one is on your side, everyone is out there to screw you over, from your payment processor, to thieve buyers to anyone out there. Credit card companies will allow buyers to steal merchandise from sellers and they make up every excuse possible.

      With any processing company, especially Square, we strongly advise sellers NOT TO SHIP ANYTHING OUT UNTIL THE MONEY IS IN YOUR BANK ACCOUNT. Your only paid for an item only and only when the funds are physically in your possession. Regardless of what Square’s useless agreement says, you are until no legal obligation to ship anything out unless you are paid for it. If Square gets a chargeback, they money is pulled away from them and its their fault for any chargebacks incurred if they deposit the funds into your bank account.

      Square will hold funds and then come up with more of their standard BS and say “well we’re holding the funds just incase you get a dispute from the buyer.” Well Square was the direct cause of the chargeback. And thats that reason why there is no phone support. The only way you get any one is that you have to have an active account, and they will not talk to you unless you log into your account and type in some 10 digit code.

      Square will lock anyone at anytime for any reason. If they were so concerned about getting ripped off, then these idiots should take every application and research these people/business before they approve them and then steal their money. If Square is suspicious of a seller, then make the seller place tracking information in their account and prove the buyer got the information not lock a person up for something they didnt do. Understandable if a seller is starting to get alot of disputes from buyers then there’s cause. But these morons screw everyone over. The only thing you can do when Square steals your money is refund the buyer. At this point your reputation with that customer is destroyed. They will immediately blame you not Square for why the sale didnt go through, the customer will think your the con artist instead of Square.

      Everyone should start filing complaints with the Attorney Generals office in Square’s home state. If they are allowed to screw sellers over, they will just do it more and more, until legal action is taken and they so called false untarnish image will have something on public record.

  • JAMES

    Square has someone using their service who stole my money through one successful attempt on my debit card this weekend for $600.00. Luckily I am poor so when they attempted a 2nd and 3rd transaction they could not go through for the same amount of $600 otherwise I would be out $1800 total. I tell them this and you think they would make an effort to contact the person who put through the charges? Absolutely not. They say I must fight with my bank. In the meantime, my bank will not fight until it settles. So instead of Square contacting the person to void the transaction before it settles they will wait until it settles and then handle. I am out the money since Saturday. I could alleviate a lot of the stress if they would contact the merchant and tell them to void the transaction or void it on their end. I don’t like when a payment method like this sides with their customer. Let their customer prove this is valid, which it cannot be, and void it accordingly. Mind you the only way I was able to contact them for help was through facebook messenger.

  • Elise Treimer

    Square would not work with me even though I provided all the information possible to accept cards THE FIRST TIME. They had TERRIBLE customer service and I am completely appalled at the way they handle their business. Absolutely no one to call when you need help. They need a better system on many accounts

  • Lauren Latsko

    NEVER EVER PURCHASE THE SQUARE UP SYSTEM OR IPAD!! Customer service can ONLY be contacted via email code. ONLY after selecting the correct prompts that are BURIED under 1000 keystrokes. CUSTOMER SERVICE is misleading!!! Paid top $$ for latest Unlocked IPAD AIR. It’s DEFINITELY LOCKED. Even the carrier T-mobile can’t UNLOCK IT!
    – [ ]

  • Steve

    Square violates privacy rights of purchasers by emailing receipt to unrequested third partie. When I questioned square they blamed the merchant (pure nonsense)When I said I might sue them their response—good. They clearly don’t care that they do this.
    think about it, if a drug store used square and they emailed s detailed receipt of your drug purchase to a third party I think it would be a HIPPA violation not sure why they don’t care but they don’t

  • Matt

    Terribly company. My whole business was shut down with no reason given. I was blocked from customer service, and they have not responded to any inquiries I have had. I am now aware of three other companies that they have done the same thing to. It is unacceptable for a POS service to just simply stop serving its customers without any explanation or resolution. It hurt my business, and they have literally told me they are not going to give me any more information or communicate with me further. Unbelievable.

  • Ben

    This company is fantastic at taking your money and holding it hostage while providing little in the way to resolve problems. All it takes is one customer who made a large purchase to “forget” they bought something, place a dispute on the charge, and the money is immediately, with almost no notice, withdrawn from your account and held in limbo! When you contact that customer (and pray you are able too, because if you can’t that money is GONE) they have to provide something from the bank stating the dispute is dropped. Square provides 0 ways to have the customer confirm that the transaction is valid and release your money. Being a small business and relying on knowing how much is in the account to make purchases and fund expenses makes this product NOT WORTH THE RISK. They will not reimburse you for fees accrued while they are holding your money hostage and good luck getting any sort of workaround for them to have the buyer resolve this instead of waiting for that bank letter deeming the dispute is resolved, which can take a week or so from prior experiences. Do yourself a favor, avoid this product and the headache you will inevitable face from its use.

  • Andrew Doll

    Used them and HATE THE RESULT!!!! BE VERY VERY CAREFUL! If you decide you are stupid enough to chose this company then please have fun losing money. 1 transaction cost me hundreds. In the FAQ for Deposits it clearly states that Square will not hold funds for any reason. They deactivated my account without notice and now are holding my funds for 90 days. I called them earlier today to see where my account stood after sending them information. I was told my account looked great and all my paperwork was in order. I was also told that my money WILL (not probably, not no) WILL be deposited this evening. Not 15 minutes after the phone call my account was deactivated. Now no one is answering the phone and I am not getting responses. DO NOT USE THIS COMPANY. If anyone is filing a Civil Suit I want to be a part of it. Thanks

    • Blake

      We have to all somehow get to the bottom of this. They randomly deactivated my account and held $3000.00 and won’t talk to me. They need to be sued. It’s ridiculous and I don’t understand how this keeps happening to everyone and square is continuously getting away with it!

  • Jonathan Jarmon

    Square terminated my account with no prior notice, with no phone calls whatsoever and for no apparent reason. They’ve held me and my 1st square customer hostage by withholding the funds for an indefinite amount of time. No customer service and way to get that money except waiting awfully long. In the meantime, I’m supposed to deliver a service to my customer not knowing if I’ll get paid in the end and my customer is still waiting for the refund and will surely use someone else for the service. This is a pure lost of sale and a missed opportunity, on a big contract nonetheless! Proper nightmare this square, I wish they go out of business.
    Although I’m glad this happened now so I know I need to use a real company for my CC payments

  • Candice McFashion

    Terrible customer service! Rejected money that was sent to me for no apparent reason and could not even explain the reason for rejecting the funds after holding the funds for 24 hours. Then held funds from the sender for 3 days. Again, reasons unknown and after requesting an explanation 3 times, there was no direct answer. General answers from their FAQ section on their website. HORRIBLE. NEVER AGAIN. Please save your time and energy!

    • mike

      I totally agree. We were setting up our square account and my wife was trying to learn how to process payments…we had a couple of gift cards laying around with small balances (Under $9) and I did one to show her how it works, then she tried one and it was declined, we thought we were doing something wrong, so we kept trying different ways, keying it in manually, using a pin….always declined. As a result, Square deactivated our account, with no explanation, said it was final. I reached out to customer service and got a boilerplate response ” we already told you that you’ve been deactivated” a non answer, referring to terms of service, I can’t cour a hundred pages to find what their concern was so I asked them to explain….no response. They stink.

  • Maria

    The idea is sound. However, this is the worst customer service I have ever experienced. And, 98% of the time. Not only do you have to pay EXTRA to have the money sooner, there is a minimum of $50 after fees in order to pay more to have the money the next day. This is my money. The fees are stupid. Second, debits come out of the payer’s account immediately, no matter WHEN the payment is accepted. However, if it’s on a Friday or Saturday, it won’t show up until Monday or Tuesday (if Monday is a holiday). This is ridiculous to me. Lastly, I have sent them message NUMEROUS times (at least 6 or 7 times) that went completely unanswered. I had to call them. I quit taking square because it was such a pain. I had to change bank account and sent multiple messages along with a notecard in my chip reader hardware return to please call me and not to refund the card on file. I made this request in various forms more than a half dozen times. What do they do? Refund the old account that I have no access to. I have to wait a month for a check to flipping arrive. Square “couldn’t do anything, since the money was already sent.” So frustrating. Worst service ever. Will NEVER use them again.

  • shane.Kilduff

    Square up PTY LTD is criminal organisation, that has set up a system to steal money, they can take your money and pretend you don’t exist.
    The CSR are trained by Telstra and the waiting period on the phone is equally as bad as Telstra.
    If you put your card in to a reader beware.
    If you join and you think the money will be in your account next day. dream on

  • Diana Hamrick

    My niece used Square when I made a purchase from her small business. She now gets an Email receipt from every purchase I make from someone else who uses Square. I canceled my credit/debit card yesterday because I feel it is no longer secure. I now have to write checks and go into the bank to get cash until I receive a new card and new card number. I am glad it was a family member and she has been able to notify me when this happens. I will never allow anyone with a Square reader to run my card again. There is no way for me to contact this company and find out why this was happening.

    • Joanne C.

      I just received an email from J Nichols via Square and it has the last 4 digits from a Mastercard, the amount, an actual signature and an authorization code. This isn’t me and now I have this gentleman’s information. I just wanted everyone to know that this has happened to someone else, and this poor guy is a stranger to me. I tried to Google his name to warn him, but no luck.

      • Robertm

        My X of 8 years ago was getting my receipts recently. Recently my x just got my Moms receipt. completely different credit cards etc. Its like big brother. I have been divorced for 8 years and this is just now happening. where are they getting their data? scary

  • Paul Gagnon

    Square Cash is terrible. Terrible Customer Service, terrible service. They Lost $150 Dollars my friend owed me. They keep saying it’s in my account my Bank has NO Idea were the Money is. Square thinks I am just going away? NO way refund my friend it is going on 3 Weeks REFUND HIm NOW. So I can delete the App. Terrible and once he is refunded I will delete the App. Don’t use this service! You will be as sorry as I am?

  • Michael Roth

    I lost my code number, nobody from customer service answer your phone call if you don’t provide the code, It is unacceptable not to be able to talk to customer service ,I need someone to call me on my phone or e-mail me in regards to this problem

    • mike wilson

      you are so right ….

      worst setup in the industry

      FLAT ASS CROOKS AND I AM OUT $300 ON 1ST AND ONLY TRANSACTION – THEY FROZE MY ACCT WITH NO WARNING AFTER PROCESSING THE ORDER AFTER TELLING ME EVERYTHING WAS VERIFIED

  • Joe G

    Square is a complete joke. I own a small business and was using them to process payments on my website for a few months when out of nowhere they informed me that my account was permanently deactivated for violating their terms without any specific reasoning. They referenced 2 sections of their terms which, after reviewing several times, had no connection to my type of business as all. You also cannot speak to a customer service rep on the phone. They only offer service via email. After emailing they, they just reiterated their original statement, saying their decision was final. Still no reason as to why I was deactivated. Joke.

    • mike wilson

      sadly well stated

      did my 1st and only transactions with this operation today … they make Pay Pal look golden

      I got everything verified via them and told that both over the phone and email …. now they decide to freeze all movements to my bank acct as they have other stuff to “validate”

      SPREAD THE WORD .. GO TO SCAM.COM AND RIPOFF REPORT AS THIS IS NOTHING BUT AN ONLINE MOB OPERATION

  • Robson Melo

    This company just close my account without any explain while they just send me an email saying “high risk activities” ! Have done only 5 transactions using their app and the last one of 500 dollars they just put on hold for 90 DAYS! After that I have no access to then by phone email, what means no more communications it’s possible! I just can’t believe how this company still on the market since treat their customers like this! Those 5 sales I did it’s REAL, customers approved charges, no one ask charge back and I just have no idea for what reason they see my transactions as “high risk” !

  • Elle

    Worst payment app ever!! Possible scam? DO NOT USE. Wish I had read reviews 1st. After collecting unnecessary ID info like SSN (identity theft/security risk), it without reason fails to complete valid bank transactions. Initially, both sender & receiver get a “payment sent” notification; then 6 hours later both receive a notification that payment has been refunded without explanation. Error-handling is awful & Support is useless. Transactions & proper notification should be instant because the bank instantly approves or denies. Indicating a payment was sent but then cancelling it hours later is unacceptable for both consumers & merchants (who often send goods as soon as they are notified of payment).

  • Anonymous

    Worst payment app ever!! Possibly a scam. DO NOT USE. After collecting unnecessary ID info like SSN, it without reason fails to complete valid bank transactions. Error-handling is awful and Support is useless. To the point others have made, transactions and proper notification should be instant — banks instantly approve or deny. Indicating a payment was sent but then cancelling it six hours later is unacceptable for merchants and consumers.

  • Avoka

    At first when I just had a square account, our first business deposit was $350. No harm no hold on the money it went instant deposit just how they’re setting up their ahits. Little as I know the business processes a payment of $4000.00 they hold the fund saying for about 3-7 business days it’ll be available and also they said they have to do a review first that needs to be done. Lucky I refunded my customers money because the next final word they said over the phone is, they are going to place a hold on the balance for 30 days

  • rick

    They have been forcing me to provide extremely personal business information and personal information in order to get paid. I say extremely personal because they want multiple government issued IDs, copies of past invoices, my bank statements going back several months, and a lot more non-sense. I feel forced to give them whatever information they are asking for since they are holding up my funds ! I will obviously terminate any relationships with this nightmare company. Just going to use paypal from now on, like I have always done.

  • Michelle Neber

    My family purchased Square in order to process payments during a Benefit Concert that was organized to raise money for my sister and family. My sister was battling Triple Negative Breast Cancer, which had spread to her brain, her bones, everywhere. During the concert we held a silent auction where donated items were auctioned to the attendees, many who paid by credit card. The square worked great that evening, we had no issues UNTIL we attempted to collect the proceeds. We were told that the account had been frozen because of possible fraudulent activity. We were further told the funds would be released after a holding period of 45 days, which later changed to 60 days. We explained the situation, but it did not make a difference to their decision. The Benefit Concert was held on September 25th, my sister passed away on February 16th, and she never saw a penny of the proceeds that were raised to help with medical expenses. We basically gave away football tickets, hockey tickets, art, vacation by the ocean, and received nothing for any of it. It is now May 6th, and Square still has not released the proceeds to the family. Having to deal with this nonsense is an OUTRAGE, especially during this time. Can anyone tell me what agency governs fraudulent activity for these type of companies? Square has stolen and have held hostage money that does not belong to them.

  • Anne Marie Bishop

    DO NOT USE SQUARE!!!! Square deactivates your account without notice and for no reason. Even though they have your money from a transaction, they do no deposit it into your validated bank account nor otherwise provide you with a means of contacting them. I am absolutely shocked if they can do this legally. There are other much more reliable and trustworthy services. I have spent hours literally trying to address this problem. Unbelievable that a company like this is still doing business.

    • Joannette Odle

      I keep receiving emails from Square stating that my vendor payment has been denied or something like that. I don’t have or have ever useda square account. Either they are or fishing for information or somebody sends me a hell of a lot of emails with their letterhead

  • John T

    My experience w/Square is incredibly frustrating. Although I read many negative reviews, I still signed up as it was easy. I now regret that decision. My transactions occurred on April 21 and 23 and as of May 5th – twelve to fourteen days later – I have not been paid yet. They keep saying payment is tomorrow, but still nothing. It seems pretty chaotic over at Square.

  • Cal Beaken

    DO NOT BE FOOLED BY SQUAREUP.COM.
    The simplicity and utility is how the suck entrepreneurs in. They will not talk to you. If you do obtain a customer code through the multiple steps, you will be given a code and a lengthy process. They also hold money and DO NOT PROCESS transitions efficiently. Their customer service is rude and they are not a reputable business. Its the barnacle of credit card processing.

  • Sam

    Square News Is Fake News.

    3 years with square they canceled my account with no notice. All I got is “according to section blah blah blah”.

    I called and my customer pin has been also canceled no one to talk to. Just cancelled my account without having the strength to talk to us. That’s because it’s a weak company. The CEO is bipolar so are the employees. My business is in California. We already have enough regulations we don’t need to be canceled with no notice and not be able to accept credit card payment on a busy weekend.

    When telemarketers called us and said one day square will cancel your account with no notice we didn’t believe them and said “we love square we are not switching”

    But they were right.

    Square News is Fake News.

  • Diane House

    Do NOT use square for cash transactions !!!!
    They locked up my money and have no explanation as to why or any timeframe as to when it will go through or be available

    No way to Cancel and no apology !!
    Never trust them with your money !!

  • Cameron

    NEVER use Square. They will vaguely review your business and hold your money without reasoning given. When you try to inquire about your hard earned money they will block you from contacting them like children even if your inquires are informative and professional.

    Do yourself a favor and use Stripe.

    Here’s the full story:

    Square is by far the worst processor I’ve ever encountered.

    Before Square, I used Stripe for my small LLC. I sell video gaming services and therefore licensing has always been the first concern of processors that I use.

    When I used Stripe, they reached out to me about copyright, a concern obviously brought up by their financial partners. I simply replied with the laws I operate legally under and the licensing that I have, and their financial partners immediately approved me. However, Stripe allowed a lot of fraud payments go through, even when I upped the security on my account. I didn’t get an disputes luckily, but it wasn’t worth the risk so I transferred over to Square.

    That was a huge mistake. Square let me start processing almost right away, but I noticed one day that my transfers were pending. Apparently Square wanted some additional information from me before I could receive my money.

    I was fine with this. I supplied them with my IRS issues EIN document, Articles of Organization, ID, voided check, transaction examples, etc. I went above and beyond to give everything that was needed plus some.

    2 days later I get an e-mail that my Square account is deactivated and that I won’t be able to receive my funds for 90 days. At this point there is over $2,000 in my account that is being held for 90 days.

    I am a small start up LLC. It’s just me. I don’t have enough cash on hand to keep running my business or even pay my rent. In 10 days when rent is due I will without a doubt be evicted thanks to Square.

    But this isn’t even the bad part. The bad part comes to their support system.

    I e-mailed Square to clarify this clear misunderstanding and got a copy and paste reply from an employee named Toby.

    I replied to Toby with my documents and this time I included solutions to what I thought may be the problem. This included my explanation of my licensing and copyright along with licensing present and direct references to laws that protect fan artworks and other things being used on my website.

    Surely, just as Stripe did, I expected Toby to be on my side. Here I am with 0 disputes and no issues on my account other than 1 simple misunderstanding. It was my assumption that Toby would get my information to the right person and have my information re-submitted to their financial partners.

    Not only did Toby not reply, he closed my support ticket.

    I got this e-mail:

    “Hi Cameron,

    Thanks for your reply! It’s been more than 2 weeks since we last heard from you, so we closed this case.

    If you have additional questions, please create a new case with our Support Team by visiting the Support Center.

    Additionally, feel free to visit Square’s Seller Community to get ideas and help from other Square sellers.

    Thanks again,

    Square Support”

    That’s funny. I didn’t even sign up for Square a full 2 weeks ago, so it’s odd that my ticket expired within 24 hours.

    That’s right, here I am doing nothing wrong, victim of a misunderstanding on Square’s end, and I get shut off from clearing things up as if I did something horribly wrong.

    They have my $2,000 so they don’t care. They have no interest in appeals or clarifying situations so that all customers are satisfied. They only care about the money they get to hold and vaguely reviewing businesses only to make final decisions as if all aspects had been looked into.

    Finally, after my e-mail inquiry had been closed, I tried to call them. Well, apparently my Square account is now blocked from calling and using call support.

    What a scummy company.

    My advice to the public, never use Square. They have a policy that they can do whatever they want with your money for whatever undisclosed reason. You may thing this means they will still use their judgement before taking your money, but they won’t.

    Here is my contact information in case anyone would like to ask more about Square:

    [email protected]

    • Wulf

      I have lost three returning clients.
      One even laughed at me calling me small-time scum.
      Anyways.
      I am small-time. I work to pay bills.
      Without warning they put a hold on my account.
      Transactions take two business days. This is the second week my client have no reimbursement, so he won’t pay me till then. Understandable.
      My phone shut off unpayed bill.
      Crooks.
      How can it be a fraud.
      When the credit card is insured by the credit card company.
      Same thing If you purchase stuff online.
      You need to go on a find Waldo search on the website to get your customer code, otherwise they won’t answer the phone.
      They only have phone service 9:00-17:00 California time.
      But processing is done by a computer.
      Example:
      Approval message received @ 20:30 Sunday.
      Never a straight answer never a reason only suggestions.

  • Marilyn

    I’ve been using square for several months now. This will be my first time writing a review (on any matter) and I will keep it short.
    Overall square is good and convenient in many aspects. I encountered two issues however but I will only write regarding one. Anytime I charged a customer via square the purchases added up to hundreds of dollars, I had no problem with the deposit. However When I had a big sale of few thousand dollars Square sent me an email saying it was against their terms and services stating “Under our Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your Square account. The Square Terms of Service also prohibit using Square as a money transfer system. You must provide a legitimate good or service in exchange for every payment processed with Square”, I did none of the above but only charge few grand on square. I tried contacting them by phone but had absolutely the worst experience and no success in doing so. I wrote them an email asking why the charge-deposit had been declined being I didn’t violate and terms, the response I received was “We took another look at your account, but unfortunately we still will not be able to process the payment..” they never gave an explanation as to why or a reason for their determination. I replied and asked to speak by phone or have a manger call me but again no response. They state in the terms that one can process up to 50,000$ in one transaction but seemingly that’s untrue. I was willing to send any other information they requested but no response.
    After this episode of true dissatisfaction and disappointment I decided it might be the right time to drop square and have my processing done by another company.
    I guess when they say it’s perfect for small businesses they mean really small…

  • Ben h

    Worst company ever!!! Had to go to another company to accept cards for my small business. Square likes to charge regular fees but they don’t give you the funds. Been waiting for 924 buck for like a month. They promise it will be deposited that day but still no deposit. Had to say goodbye to 924 bucks!!!!

  • Bridget Smalls

    Square has been a Great asset to my business I have no problems my money is deposit same day with instant deposits and next day for all other customer service is fast and friendly online and over the phone easy to use and it feel safe I give square A+ rating

    • Lisa Helsel

      Just Wait – Our process went flawlessly for about a year as well until recently. Once they freeze your account for unknown reasons, you will not get it unfrozen. They will keep your funds. Mark my word. You will not be able to reach anyone via customer service because those people do not exist. I’ve been round and round with the same representative via email that is unable to read. That’s about how much respect Square has for you, their customer! Don’t be fooled by a customer service number, it just loops you back around to any help you can get on their website. NO human interraction is allowed with this company until they are trying to sell you something. Just wait until they ask you to upload three month’s worth of your bank statements so they can better serve you (right) to unfreeze your account. Just wait Bridget. It’s coming. Have a plan B. I wished I had never left my more expensive processing company as now I have to start all over and am unable to accept credit cards. If accepting credit cards is important to you, I’d leave Square ASAP and that goes for everyone else. How they are getting an A rating by BBB is a mystery to me.

  • Brett

    Do use Square. They do not advise that on the first payemnts they will do a review of your company or business. Then they hold payemnts for over a week and finally may close your account for no reason. Totally non trnasparent company with a customer attitude sadly lacking.

  • Terri Holt

    Just like everyone else,starting the end of March, we started having problems. They needed 3 months of bank statements, government documents, and signed contracts by clients.
    They had been holding my funds for 2 weeks, I started calling everyday after submitting everything they asked for, was told everyday that funds would be released at the end of the day.
    Today after I told them I would stay on the phone until they finished my review, that was suppose to be done 3 days ago, I was hung up on, and than received an email that my account has been deactivated. I had the choice of refunding my clients, or waiting 90 days to get them.
    If you read complaints, I don’t think anyone is getting refunded money. Do yourself and your. Lie to a favor, and refund now!!
    At this point, this company is nothing but scam! RUN!!

  • Mike mitchell

    I have been a good customer with the square for five years and then today all of a sudden they stop the payment from coming through and told me that they need more information about myself and to review my account . One of the things that they’ve asked for is three months of bank statements with all the charges in my account and when I asked why is this because that seems more like an investigation and not clarification they stated they wanted to see all the activity in my account and what I use my account for And when I asked why they said so that they could better understand the nature of my business which is landscaping . But it was clearly like pulling teeth to get even that much information from them because they didn’t seem like they wanted to provide me with any information or answer any my questions they just wanted me to send over a bunch of personal documents that really have nothing to do with them including one of the things they said they were looking for is to make Sure that there’s enough money in my account in case there’s a dispute and when I asked how much do I need to have in my account in case of a dispute they said there was no certain amount which is really not making sense to me . And now looking at reviews it seems many people are having problems with them so it looks like I’m going to look for another service and I suggest all of you do because it’ll be right during the time you don’t need this to happen that they’re going to do it to you .

  • Clem

    I cannot event say how square worked for me because their system won’t accept me – unable to verify my identity. I don’t have a credit report – as I have never applied for a credit – which should be a good thing! – and they say they can’t verify me manually. I tried to get verified with my passport number (which is also a way to do it) but apparently I don’t exist there either!! Horrible customer service as well, they obviously do not care about their customers.

  • Laura

    I have Square Reader it was a very bad experience they kept my money for 90 days they canceled me for no reason I think they just wanted to keep my money to use for another reason do not use Square reader for any reason they will take your money I don’t even give them one review zero

    • Tdub

      My account was deactivated after I took several payments. Now they’re saying my money will be in reserve. No way to contact them without a code and they requested me to use email. No way to get a live person!

  • Rita Benson

    Very disappointed in square … i recieved an email they were disabiling my account…tried to contact them to find out why and how to remedy it but they do not return emails..they have no telephone number to contact them to find out why and whats going on..definitely no customers service !..if i had know how poorly they treat small business i would never have signed with them…Avoid Square card processing!

      • Gee

        Have you made any progress with them regarding using prepaid payments because I have received the same message & now I can’t get my funds? What steps have you taken? After today I say class action lawsuit

  • Ofel Garcia

    Hi I’m kinda going thru the same thing they held my money for 90 days and 90 days just passed and haven’t heard anything from them still haven’t received my money . Did you ever receive the money they had on hold ?

  • Peggy L

    I used square when it first came out and recently bought a chip card reader and Stand. This weekend I used it for an art show I was in. I panicked when I first open the box but then realized it was so easy to set up. I even set up categories in just a few minutes. The Dave name and square was put to the test. It was so easy to use And SO reliable. I love the stand because my iPad fit right into it; I use the little screw and wrench that they provided in the tool kit and it was held and secured all day. The magnetic strip reader and chip card reader are Bluetooth enabled and all the equipment Held a charge for the entire day which shocked me. I had such a great experience with square point of sale system! I can’t wait to use it again!

  • Jamie

    I’m disgusted with SQUARE out of the blue they have deactivated my account. No issues with my account except that my business was growing. Time to find another service provider.

  • Christian

    Nothing doing business with Square anymore.
    Worst customer service ever. You can forget about ever trying to reach a live person with Square.
    I tried calling Square to ask questions on a dispute and i could not find a phone number anywhere on their site.
    After i googled searched for their number, i called it and the prompt service says you need a “customer code” and tells you to simply sign into Square for code. The prompt voice does not explain how to get a code so i did a google search “how to get customer code with square” and got instructions that way.
    When i called Square again with my customer code, the prompt voice says “invalid code” so i tried getting another code and same thing over and over. So frustrating. Bottom line, i tried for days to get a live person and nothing.
    Tried emailing them and that hasnt worked either.
    Im going with another merchant.

  • Laura

    Your company is ridiculously horrible. Your complete lack of customer service when handling merchant’s money is laughable & void. Your customer number is also a joke when you still refuse to actually have a live member of your, “staff”, if you indeed even have one, have the common courtesy to respond to emails . I will warn everyone that I know not to use you & recommend one of your competitors that actually know a little something about customer service, ethics, & just plain have respect.

  • Louise

    I got a square account a few years back, have not used it till December of 2016. I was not aware that I was not allowed to swipe gift cards and so I did. My account was closed but for the past 3 months I have been trying to get my money back that square held in my account when closing it, they will not return my emails or calls. So they just decide to keep my money????? I will never use them again

  • Andries van Riezen

    Great business! Almost bankrupting mine by randomly deactivating my account and freezing over $ 25 thousand dollars in payments. “High-risk” activity, but thats all the information I get. Then when you are deactivated, they deactivate your account number so you can’t call them anymore!! I have to wait 2 months (already waiting for 2 weeks) to get well over $ 25K. Absolutely unacceptable

    • Julie

      Hi I would get An attorney. You will never see that Money from the Square in sorry to say. There are thousands of complaints just like yours. I’m so sorry to say. Get an attorney involved. That’s the only way you will see a dime of your money.

  • Milenko Lazarevic

    I had problem with a square: I had around 600 dollars payment to me, but Square sent me only 300.
    I was waiting for their reports for 3 weeks and final answer was: nothing.
    In conclusion: check on them. Somebody in company is doing something stupid and they don’t want to admit.

  • Brian

    GST doesn’t work correctly.
    For my colleagues in Canada, I would like them to know that Square cannot handle the national sales tax. Square can only calculate and apply tax for a province. Customer service advises that Square has been aware of the problem (the sales tax has been in place since 1989), but do not have a solution. I wish I would not have spent the time setting up the on-line store, only to find out it isn’t going to work. Perhaps I can save others from wasting their time.

  • Shane Innes

    Horrid customer service. “Deferred” deposits seem to be the norm with these guys.

    If you HAVE to use them, be sure to contact account services as soon as possible to submit ALL required documentation PRIOR to square holding your deposits for days/weeks.

    Will switch to another system immediately.

  • Carla Mader

    DO NOT USE Square – it is a sophisticated SCAM, they double debit you and hold fund for 90 days and your customer funds for 60 days. There are thousand of complaints online and also on the Better Business Bureau website and now being investigated. A class action lawsuit is being initiated and filed by customers for scamming them and defrauding our customers. They “review” your account after a large deposit, then notify you by email that your account is closed while they are hold funds for another “review” for 90 or more days. Oh, and also you may not contact them – only via email. They do this to customer after customer and thereby breech the contract with their customer by getting paid for a service they DO NOT deliver. They further add insult to injury by debiting your bank account because after they freeze your funds and close your Square account, When you now do not have funds that are frozen. They scammed us out of $4200. Some customers complained to the BBB that funds were held for 14 months or more. They provide services and charge like banks but do not offer enough staff to expedite issues. DO NOT USE SQUARE. I recommend Worldpay and regret opening an additional Square account for my onsite sales staff.
    We, scammed Square customers are banding together with the exact same complaint for a Federal law suit to stop this seemingly legitimate company. They are stealing and holding capital from very small businesses and sole proprietors and need to be prosecuted. They should be ashamed and are immoral, unethical and thieves.

    • Barney Nowicki

      Hi Carla…….The EXACT SAME THING HAS HAPPENED TO ME and I am LIVID. Can you please write to me at [email protected]?? I am the smallest of independent Photographers and the Bastards at Square have ripped me off to the tune of over $2700 now, since Dec. 24th of last year. That amount being stolen from me has hurt tremendously and I’m desperate to hear about the class action law suit. Please write me, thanks!

  • Peter

    We began with Square in mid Jan 2017 . They made a deposit into my linked bank account with no issues. All of a sudden they were asking for verification. Their verification they say takes 1-2 days. Nonsense…mine took over 10 days during which they were holding onto $17000 of my sales. Every time we sent them information the verification clock started again only for them to come back and say they needed more information. Finally my account was verified but after two weeks it has now been closed by them . Why ? They won’t say …they say possible “suspicious activity”. But no evidence and examples. What suspicious activity, some sales are in the $5000 range some in $100 range.
    Now of course you can not call them but only send an email . They want to hold onto my sales money for up to 60 days.
    STAY AWAY FROM SQUARE. They are corrupt and dishonest.

  • Michael Woodruff

    Square failed me in a major way. I am a freelance DJ and I DJed a wedding on December 3rd 2016. For reasons completely unjustified the customer disputed the charge with their bank A MONTH after my services were given. Square immediately took the amount out of my account making my account negative in that amount plus fees.
    I provided square with email after email and text after text that proved the services were provided and the charge was legit. After a lot of back and forth with GUS he informed me that the case had been resolved in my favor. Then the customer re-disputed the charge. GUS at Square asked me for documents as if I had never provided him with them the first time. Square lost the dispute the second time around which makes no sense to me. Now they want me to pay them back the money they sent the customer.

    So now the customer basically got her wedding DJed for FREE and I had to pay to do it.

    I am tired of emails I want to talk to someone on the phone that can fix this. The only way you are getting your money back is by getting it from the customers bank you gave it back to.

    Btw, this was all disputed because they said services were not what they wanted it to be.

    So next time you use square just remember all your customer has to say is I didn’t like it and they will get whatever services you provided for FREE!

  • BeaM

    I WAS NEVER NOTIFIED AS A CONSUMER THAT I WAS GOING TO BE ENTERED PERMANENTLY INTO A DATABASE WITH MY CREDIT CARD PURCHASE THAT HAD NO RELATIONSHIP WITH MY PROVIDER AND WOULD NOT LET ME EVER DELETE MYSELF FROM THE SYSTEM.
    This is invasive, creepy and absolutely needs to be investigated by consumer protection agencies.
    The website gives NO information on how to delete your personal information permanently so I got an e-mailed receipt yesterday from a phone transaction when I never gave out my address to the vendor.
    I AM OUTRAGED THAT THIS IS BEING DONE WITHOUT OUR PERMISSION OR KNOWLEDGE.
    SQUARE NEEDS TO BE STOPPED.

  • Darryan Prestin

    I have been very happy with my Square service for a few years but now things are going awry I’m not getting my money and I absolutely cannot get ahold of them I have looked everywhere online for the PIN code to call them and I cannot find it I’m not a millionaire but I’m done close to $50,000 worth of business with them last year and it frustrates me that I cannot call them and talk to somebody when I have issues

  • adam jagiellowicz

    I started an online school and had just received my second course payment. Square held my money claiming that my account had a ‘pattern’ of risky payments and that they therefore had to hold my funds for 90 days and deactivate my account. There was no pattern (2nd payment ?) and they refused to explain the reason. after deactivation they no longer felt obliged to answer my requests and only replied with canned emails asking me if the support i received was satisfactory. Well, now over 105 days have passed since they held back that $1000.00 from me for no just cause. They have not credited my bank account and have not emailed me. Square has a license to steal money it seems. This company is fraudulent. there is no other way about it. And I will be contacting the police. What a pain in the ass to have to track down these slime bags.

  • Sandra

    So here’s my problem. My account was hacked in December. Over $1000 processed through my business but sent to another account. Square confirmed the hack, closed my account on line and said no problems for me. I now get an email that one of the transactions is being disputed and my account will be billed. Hmm I say, I need to contact Square customer service and make sure this is not going to happen. And the merry chase begins for a customer code – which is the ONLY way you can get to the customer service line. BUT they closed my account, I cannot log in. So I cannot get said code. I try to re-establish account – but alas, my account already exists and I cannot get a new password. So my complaint – Square customer service sucks. I’m dropping any relationship with Square and no longer recommend them to anyone.

    • Fist Fit Tech

      Square is the Worst!!!!! Signed up and was told I can still except payments until my account was verified. They were holding $19,300 of my funds and when it got verified 2weeks later they deactivated my account without explanation and no customer support to no longer talk to about my funds!!! Telling me they will be holding my funds for 90days . WTF !!!! This company is a real Scam and Feds need to shutdown Square . American Greed at its Finest!!! Don’t USE …..

  • SCOTT BROOKS

    These IDIOTS!!!! I changed my bank account and they verified the new bank account was verified. The old bank account not even listed.

    I take in a $1500 payment and do instant deposit and they deposit to old account!! My customer needs his goods tomorrow and they are saying it can’t be reversed, about to go frigging ballistic!!

    YOU FRIGGING IDIOTS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!1111

  • Jonathan May

    This is a horrible company. I mainly deal in large scale gold bullion transaction via wire or check, but I also sell fine jewelry. To test their system my own mother bought jewelry she wanted from my website and it was denied. I was given no chance to explain. They would have gotten their fees. But I cancelled my link to them and got a refund. Don’t use them. Poor poor connection and understanding , trust and communication did not exist. May their business be cursed by G-d

  • Maria

    I joined Square in December and purchased their hardware. On January 21st, a client paid $100 for services and few days later I couldn’t use my square account. Square deactivated my account and I am still waiting for my deposit. It has been 28 days. I have emailed them daily for 3 weeks and no response. I reached out via Facebook and no response. I finally obtained a code (2/16/17) to reach out to them and I didn’t get any assistance. I was told someone will reach out to me. Few minutes later I received an email stating “our decision to deactivate is final” “unable to provide details” WTF At this point I just want my money.

  • Alan Rich

    Worse customer service I’ve seen. What a SCAM. We use Square calendar for booking reservations. We have both our bank info listed and a company credit card to pay for the monthly calendar charge. We found that Square is charging our credit card for the monthly subscription fee as well as debiting our company bank account for the same charge. We notified Square customer support about this in late January 2017 after they double charged us for December 2017; Jan 2017 & again in Feb 2017. They requested that we send them the bank statements and credit card statements so that they could escalate this to their engineers which we did and it clearly showed that they charged our credit card and debited our bank account for the same amount on the same day for Dec 2016, Jan & Feb 2017. We made several attempts to contact them via phone and email after our initial phone contact and you cannot reach them by phone and they do not reply to the repeated emails.

    Their bottom line must look great since they double charge their customers. We have since deactivated our account with them 2/16/2017 and pursuing reimbursement through our credit card company.

  • yasmin

    DO NOT use square. They are a horrible company and customer service sucks. They withdrew money from my account for a dispute without even listening to my side of the story. Who does that when you are their customer. Awful!!!!

  • Glenn Miller

    I am a sporadic user of Square since I conduct my business part-time. I took a customer’s credit card for the amount of $600.00 on Mon Feb 6, 2017. I’d always received a deposit into my checking account within a few days. It is now Feb 15, 2017 and no deposit. I have sent them numerous e-mails with no response other than the automated response. I tried to call them and the recording said I needed a customer number. I read the instructions on how to find a customer number but could not find one no matter how hard I’d searched. Can anyone offer some practical advice?

    I also set up Instant Payment to my ATM card but the web site will not let me transfer the money.

    Can anyone help? I am at wit’s end

    • Tracy Brady

      I am in the same boat. I set up my account beggining of February, they verified it, let me believe it was all set up, I even did two small transactions for $5.00 just to be sure it was working, no problem, the money was in my account. Later, when I swiped 2800.00 is, I’m getting emails they need more information to verify my account. So they wanted three months of bank statements, all my signed receipts, (they can’t verify signatures with the signature you capture on their app) credit card agreement for my customers, my business information. But they advertise” NO Surprises!”. Of course you can’t reach anyone by phone to talk to them. Then, this is the best, after I send all this information, they send me an email and tell me my account has been deactivated for too much activity. I can return everybody’s money or wait three months and they will refund mine. So the billionaire Jack Dorsey is keeping my money for three months because he doesn’t make enough with Twitter. Search the internet, exact same thing they have done to numerous other people. This money was for a friend dying of Cancer, real nice Square, you need money that bad. Scandalous and sickening.

  • chuck dehney

    poor commutation, on hold for hours, no people skills , actually one of the Square service people hung up on me during a recorded conversation on there end, his final words where , there will no longer be any telephone dialog ,everything will be thru email , and I was just trying to get answer about my 57,000 plus dollars they where holding for over 30 days, I will say it was a experience dealing with them and I learnt a lot , which help interviewing new credit card companies , which have better rates , we do about $40,000 – $50,000 a month in cards. We have a saying here if you don’t take care of your customer someone else will

  • David sapirstein

    I have a problem with square and realized how ineffective their operation is .
    The order could be resolved immediately but they are not interested to find it immediately but yo take their time and cause hardship yo their customers

  • Sherry

    Don’t do it. My square worked before they went to point of sale and now it’s literally a POS. Now it is not compatible with my phone. So completely useless. I have a new phone so that is not an issue their new update makes it not compatible now. Spent 60.00 for this POS.

  • Kyle Baker

    One and a half years ago I purchased a square register to use with my I-pad air 2. I was not told at the time that this was not compatable with my device. Upon using this product with my Ipad it has since began to warp the screen and peel back it back. I have contacted square and tried to resolve this issue but I was only given the option to receive a $50.00 credit rather than any other method of resolution. I spent over an hour on the phone with square and this was the best result they were able to offer me.

  • Babe Savage

    The worst processing company ever. I have never had a charge back. Been with them for 8 years . My first large transaction comes through and they deny it because afraid of a charge back. Cost me a huge customer.

  • Jerry Puda

    Great Idea! Miserable execution; Zero customer service for merchants. Flush with cash they forgot the small businesses that made them. 7 days, no reply to email generated from account dashboard. Sales department contacted after 6 days without any reference to message; generic reply. Live phone agent 67min wait, arrogant to the max. PayPal never looked so good. We’re taking our money and running as fast as possible. Might as well be a fake website in China for all the human interaction available.

  • T

    This service is horrible. They do not have a working customer service number and when you call they ask for a customer code that they do not provide to you. They make you send an email that they never contact you back on. It has been about 3 days now since a payment was cashed out and it has not been deposited in my account.

    Worst Customer service ever!!

  • Jason

    Sales just started to ramp up and square has advised me that they are going to hold all of my funds for 90 days for no reason or justification. There is no way to call them and no way to contest. I paid the 2.75% for convenience and look but now i see there are much better solutions out there.

  • Eli

    Square charge my customer card for $4,000 and sent email saying money being sent to my account. They charged another customers card for $3,720 the following day and said money being sent. They then REFUSE TO PUT MONEY INTO MY ACCOUNT. When i call them they had NO PHONE and sent a email said we will get back with you by email only.This is company is playing games on the NEW YORK STOCK EXCHANGE with consumers money. BE AWARE !!!

  • Kasey

    Square has the worst customer service ever. There is no phone contact. The only way to contact them is via email. They have deactivated my account with no warning in the middle of my business day. Left me with huge chaos with client check out. I’ve emailed them several times and they send the same email back to me every time. Not answering any of my questions. THE WORST CUstomer SUPPORT EVER!!

    • Mitch

      Same thing happened to us. Cancelled our account in the middle of the work day. And, they had already accepted some charges before cancelling. There is no way to contact them after they cancel your account. They will hold all your money for 90 days after they cancel. This company is a nightmare waiting to happen. Beware!

  • Marce Holmquist

    My Square reader experience was horrible and costly. I am an independent contractor that had an issue with a large Square transaction. Not only did Square wait over 2 weeks to tell me the customer challenged the charge, but I did all Square requested to upload my documents supporting the transaction. It took them less then 6 minutes to find against me and start debiting money in Square escrow & my personal account. Knowing that legal issues are pending, Square made no attempt to aid me in this situation & now its in the legal systems jurisdiction. I don’t recommend to square to any independent contractor, small businessman or any business. There are better options out there that actually protect me against similar instances, and Im happy I found one. Trying to contact Square customer support is a joke!!!!

  • Art Ferris

    No customer service. My credit card payments are floating in an electronic black hole and I am getting sent back to the website without any way to resolve the issue for several weeks! My money never reached my bank account, and no one at Square seems to care.

  • Bill Edelblute

    No customer service at all if you can’t sign in to your account. If you call, the greeting demands a code that you have to sign in to obtain, when I can’t sign in.

    Need to change password after having lost it, it won’t let me get past answering security question and entering new password. Sent three emails over two days, just get an auto reply saying we will contact you soon. Meanwhile can’t take any payments.

  • Jayme Terrigno

    The company is holding over $16,000 of our companies money. We can’t get a hold of anyone and there are no responses to our emails. We have supplied them with everything they requested and then the communication just stopped!

    • Donna Evans

      I, too, used square because it was recommend to me. I call Square to ask about setting up the account. A rep walked me through how to set it up. Then after receiving my first round of charges for my Weight loss class. I am , then, told that my account was deactivated. No reason why, but I would receive my funds within 90 days. That was on 10/11/16. I have not received any funds as of today. It is now almost 114 days. I have emailed with no responds what soever.
      I sure need to get paid for my serves. Plus they are holding over $1000 in her account with the exact same thing happening. I wished I would have read reviews before I did this. I now use Paypal and tell all 300 reps to please use them instead. As we add reps I will continue to recommend Paypal. With Paypal, I have had no problems.

      • Mitch

        Same thing happened to me. Cancelled my account without notice. No way to reach anyone on the phone as they wont accept any calls without a code from a WORKING account. You have to be crazy to use this company.

      • Hannah

        That’s what happened to me on Stripe. They told me it is the “new industry standard” to just close your account with lies and hold funds for 90 days. Something fishy is going on with the Globalists pushing their agenda. I have $12 and change tied up, not a grand like you, and I’m pissed! Oh the lie for closing my account is that I have a significant amount of charge backs and disputes on my account and also my shop is high risk – the reality is I have one normal sale, zero charge backs, zero disputes, items shipped and delivered with positive feedback, and have two items in my shop for $12.99 each.

        • Donna

          I have recently changed to Paypal and they sent me a triangle to uses – like the square but I received my money the next day. Totally different than what I received with Square. Still waiting 99 days later for the money in my square account to be sent to me. They keep saying once your 90 days are up we will transfer it. Well, we are going on 10 days past 90.

  • Dwayne K Boyd

    Sqaure sucks. Period. After doing several transactions Square held my funds claiming that they needed to do an account verification. After checking the reviews, they have done the same thing to numerous people. So basically, they are stealing peoples money. I don’t know how they can legally get away with this, but avoid this service like the plague.

  • Eric

    Hi i have had sqaure for sometime now making some small transactions now today. I do a transaction for $2,000 ,when I needed it the most (square let me down) ? I really wished I would have read the bad reviews on google first. I would have never tried it. Next thing you know they send me a email saying that they are sorry to inform me Dactivated my Account stating that I am to much of a risk WTF !! They want to keep my money for 90 days !! Now I have to go back and tell my customer to refund the money !!
    I DO NOT RECOMMEND SQUARE FOR BUSINESS AT ALL !!

  • Anonymous

    I am a credit card paying customer at a coffee shop which uses Square at POS. Square is the only reason I leave the visits with an unnerving feeling of violation. The shop prints out an invoice for my visit which prints out my full name, posts the invoice until prepared and calls out my name to the public. I don’t know how the shop disposes of the invoices with my info.

    I am not a subscriber of Square nor have I signed up for Square and yet, when my credit card is swiped, all of my personal info is printed out for this shop to save or dispose of as they wish. It appears whether or not you are a subscriber or customer, they are collecting info.

    People, beware. This company collects A LOT of your personal information, cc#’s, bank account #’s..look at their privacy policy for yourself. Their service is free and they systematically collect your private info and your customers’ info on a daily basis.

    Awesome, cheap technology? You decide. I am not a fan of privacy being striped away in my day to day life.

    Anonymous

  • CARLOS DELAMILERA

    Please be carefully processing credit cards with this company. They keep your money for 6 months. My best advise is to contact your bank and not let them debit your business account or personal account. Beware!
    They like to work threw emails and they do not have a direct line to contact or live representatives.

  • Teresa

    Horrible service. They help my money from a client based on a customer service glitch. It took 2 weeks to resolved and then they withdrew money from my bank account based on marketing service I did not approve! I am unable to take payments from customer through square because I am still waiting for them to Put my money back in my bank account.

  • Kevin

    We will never use Square for credit card transactions again. Not only is it expensive, but recently a customer erroneously initiated a dispute and Square immediately took back $900 for the transaction. The customer realized his error, called American Express (his CC) and cancelled the transaction (providing me with an email from Amex verifying that conversation), and Square STILL will not release my funds. I forwarded the email from the customer and Amex to Square and they maintain that American Express communicates to them that the dispute has not been cancelled. Well the customer said the charge remained on his bill, which means he paid the $900 that my business was owed. But Square refuses to release money that doesn’t belong to them, even after being provided with proof. Their support is the worst I’ve ever experienced in this industry. Phone support is useless and email is inefficient and it’s as though you get an entry level employee that could care less whether to resolve your issue or not. Do your business a favor and throw away your Square reader immediately. We switched to the Clover Mini and it’s been a fantastic experience so far.

    • Michael J Mayosky

      You are so right.. They did the same thing to me. I did the work, and the client paid… but square kept the money…. STILL… and after I provided proof the client was still charged…. they are the worst. No accountability.

  • Lauren

    Business Identity Fraud using the Sqaure App and I can’t get any answers from Sqaure. Apparently, someone had used my business name to set up a fraudulent square account and was able to bill someone’s credit card for fake services. I had a man show up at my door (since Square lists my address and gives a map detail) demanding answers how I was able to illegally charge his credit card, I have been emailing Square for the past several days only to get a few replies thanking me for my email. I have asked repeatedly to speak to someone over the phone and have been denied. They also told me there are not at liberty to discuss due to privacy rules.

  • Theresa Crosby

    Recently someone accessed my Square Acct, changed the banking information and helped themselves to my deposits. IN addition they opened a cash advance on the account. Fortunately they were only able to get a few days of deposits. I immediately called Square and everyone I spoke to (Josh, Terry, Wanda, Mark, Susu & a couple others) were extremely helpful. I took about 10 days but I did get my money back. The only downside was the hold time when I would call, but other than that they were great to work with.

  • Ginger

    Horrible company I cannot believe that this type of cruel and rude behavior is allowed to go on as long as it has. We as vendors/customers has to shut this company down. This whole thing is set up to steal peoples money.

    • Eli

      Square charge my customer card for $4,000 and sent email saying money being sent to my account. They charged another customers card for $3,720 the following day and said money being sent. They then REFUSE TO PUT MONEY INTO MY ACCOUNT. When i call them they had NO PHONE and sent a email said we will get back with you by email only.This is company is playing games on the NEW YORK STOCK EXCHANGE with consumers money. BE AWARE !!!

  • IRIS GARCIA

    I lost my business because of square. How is this company still functioning?

    I have a small shop at the mall, square has been holding my funds for over 2 weeks now. I’ve been reading so many reviews and I know I’m not alone. I know this man in Texas and it’s been over 1 month and he has not received $14,000 and a lady out of Dallas and she has not received her $12,000. She has contacted the local news.

    Unfortunately because square has not given me my hard earned money that I have to close my shop Dec 16, 2016 because I’m unable to buy the merchandise I needed to continue to do business here. I’m located in Sunland Park Mall in El Paso Texas.

  • Russell Roesner

    Square is great until they turn off your account with no warning. Instead of asking me about certain activities, they just decided to turn off my account the day after I made two big sales. Not only could I not draw out the money, I had to refund my clients and ask for checks for a total of over $800 after they had received our services putting me at a huge risk. Beware of square. If they turn your account off, their customer support phone will not allow you to talk to anyone to even discuss the matter. You become the “scum of the Earth” to them. I really liked this company until they did this. Be VERY careful of this company or you might get screwed over like I did.

  • Been there done that

    I’ve been waiting 96 days for $8,871 to be deposited, they asked me documents which where provided and legal. I provided proof I was at dragoncon and spent $1,600 to be a vendor there. I’m now out of business and still waiting on these funds emails are always the same saying we’ve made our ruling and it will be 90 days we are way past that. I’ve since lost my house and now living with friends and they do not care enough to respond. Beware these crooks!!!!!!

  • eddie

    square is one lousy company, deactivate my account with a reason of high risk although i do business with people whom i know for a while and they authorize me to use there debit card every once in a while
    DON’T EVER USE THEM ESPECIALLY WHEN YOU CAN’T REACH THEM OVER THE PHONE!!!

    • Russell Roesner

      Agreed they did the same thing to me. I CANNOT BELIEVE they would turn off your account and then BLOCK you from even calling them on the phone right after. I had been a customer for over 5 years and bang, they cut my account off with almost $1000 that I couldn’t collect. Its been a nightmare!

  • kerry

    THE WORST COMPANY — a few months ago, i used Square Cash to collect for an ill friend, no problem. TODAY i did 10 requests to collect for my kids school fundraiser, there’s payments to me — but I CAN”T GET THEM OUT as they want me to VERIFY ON FACEBOOK? I hate Facebook, I don’t use FACEBOOK — WTF

  • Reuben Avalos

    This company has terrible practices and very little respect for customers, they do what they want and provide very little help, they do not care about your complain and treat you like you are just some pity fool who needs their help, I will spread the word everywhere to raise awareness about these people…

    • kathy Green

      They are morons. I ordered some stuff from China . The company said the were going to refund me. Gave them my info. Now I have 2400 in charges. The screwed up thing is Square makes it look like I was binge shopping. My banking is linked from one card to a bill to another card! Its a mess.I dont know where. to start. To be honest I am afraid to see what other damage has been made on my other accounts.

  • Marc

    Square Sucks!

    Square is holing more than $26,000 of our funds (after we proved our claim, the merchant company agreed with us and was validated by Square). They initially told us it was a 90 day hold, the 90 days is on 12/15/15 and two weeks ago they cancelled our account and told us they were going to hold the funds for an ADDITIONAL 90 days.

    We’re a small business stuggling to meet payroll.

    Their claims are unsupported and decisions have been unilateral.

    THey are a joke!

  • Amy

    I had $900 transferred to my cash app and it won’t let me transfer to my bank.
    $600 was actually taken out of my bank account without my authorization and hasn’t been put back. I’ve been going around and around with customer service with no real help and every time I get a different person telling me something different that doesn’t help at all. And now I’m out of this cash. I feel cheated and it’s creating a problem for me.

    The original $600 I was cash apples is not even showing anymore. Just disappeared. And didn’t disappear to my bank account.

    This is the worst. Not reliable and my money disappears!

  • LV LEGALDOCS

    We have been with Square-up for nearly 7 years. I’ve had two chargebacks. Both were from people that were being evicted. We provided services, submitted all the paperwork. However they still placed a hold on our account, then debited the account twice making a overdrawn balance of 1045.00 not including overdraft fees. I have always been in good standing, however, they still treated me as if we were committing fraud. DO NOT USE SQUARE. THEY LIE THEY STEAL AND IT TAKES AN ACT OF CONGRESS TO GET A SIMPLE ANSWER WHICH THEY REALLY DON’T PROVIDE.

  • MartinaR

    Horrible NON EXISTENT customer service. You can’t even talk to anyone when you call. (if you can find the number to call). I sent them an email and they gave me a “case ID” . Big deal. No more response from them. I have the best credit rating possible and yet they just say “declined can’t confirm your identity” What the heck. Hoping I can take their “free” reader that I paid 10$ for at best buy back. With a big complaint. Now reading the other reviews I should have checked them out before getting involved with them. I think I dodged a bullet by not being able to sign up. STAY AWAY

  • ALEXANDER

    Muy mala atención al cliente, he tratado de comunicarme por teléfono y me piden un código el cual no puedo obtener de ninguna forma posible, también he enviado varios email y no he recibido ninguna respuesta. Estoy tratando de aclarar una transacción y no hay modo de que algún representante se comunique conmigo, increíble !!!

  • Jim

    Billed amount on credit card statement was $22.00 more than the invoice amount. Appears Squareup is charging credit card fees to the end customer vs. the merchant/vendor. Watch out!

  • Eric

    Hello Seymour,

    Another day has passed and this is getting ridiculous, SQUARE has stolen money from us $5380.00 and this is unacceptable especially since I can’t even get a phone call or email response, at this point I’m contacting our attorney by the end of business day as this is not being handled in a professional manner, I will also file a police report against SQUARE at the end of business day as well as this is theft, and is impacting our business and our client whom paid to have work done by us.

    More so I’m returning the items I purchased from SQUARE readers etc..and expect a full money back return, and say goodbye to a good customer who planned on using SQUARE for all our processing roughly $100,000 in transactions per year and social postings of what SQUARE has done to us.

    I cannot believe how unprofessional we are being treated!

    • donald

      I opened an account with square and had nothing but problems getting my account verified. finally after 5 weeks of fighting. a gentleman named Barrett sends me an email, stating that my 606.00 would be transferred to my account…..5 hours later I received an email from someone else saying that my account is being deactivated for suspicious activity….so now I stuck with no way to talk to anyone about my problem……why is this allowed to happen….. I also feel like square is stealing my money……I don’t want an email notification all you do is lead me to a help desk that does nothing with out you 12 digit code to get online….without one you cant talk to nobody…..

    • Russell Roesner

      WOW! I cannot believe how many recent complaints there are about Square just for this month, DECEMBER of 2016. They deactivated my account after 5 years with no problems, held my funds in “RESERVE” and would not allow me to transfer to my bank. I had to refund almost $1000 to my clients and have them all write me checks after they received our services. ITs been a NIGHTMARE! When you get deactivated, their customer service number won’t allow you to talk to anyone and you have to only email them. Its a SCREWED UP COMPANY! Do not use them!

  • Bill

    Terrible service. They debited our bank account based on a claim that services were not rendered. However, we provided a signed contract of the credit card charge and Square ignored it. Poor customer service when calling back. No real managers to talk to. bad experience.

  • Joyce

    Great idea BUT: This is a product designed by people who might be good at tech stuff but seem to never have run or owned a business, do not appear to know retail and what information one is looking for when running a retail business, have no clue about good customer interface. It is complicated and absolutely NOT INTUITIVE nor in keeping with established norms of organizing sales, customer, inventory and other vital data. GET SOME PEOPLE WITH REAL WORK EXPERIENCE IN THE FIELDS YOU ARE TRYING TO SERVICE onto your product development team. Seriously.

  • Sharon Brown

    Very unhappy with support, can’t get anyone on the phone. I’ve emailed and cannot get the anwsers i need, I ordered their chip reader and opened an account with them. Used the chip reader once for a test to make sure that it worked. When i go to use it again, it wont work, I go online to find out that my account has been deactibvated. I seem to be unable to get anyone on the phone to solve the problem.

  • Tom Lambrecht

    Signed up for Square bought card readers, sent LLC papers explained we were a consulting company, Mortgage Broker company, feasibility studies and
    mortgage restructure and arbitration company in advance. One first client was asked for a ton of info
    then they say they don’t do business with Debt counselors (we are not) . Keep away from these guys they don’t even have a phone to complain or settle disputes. In doubt call me 800-810-0949

  • Scott MacDougall

    This site says Square’s rating is “B”. This is misleading. It should be “F”. Called four times to follow up on none payment. They were uncontactable. How can you run a business when a financial services company is holding on to your cash flow?. If you’re relying on funds being available Do NOT!. I repeat DO NOT use square! Otherwise you’re a Square Head….

  • Jim W

    On 10/15/2016 I made a donation to a small local nonprofit using an email address I’ve never used before or since (so I can determine the source of spam email). On 11/24/2016 this email address got an unsolicited commercial email from:

    Amorino Theater District

    about a Black Friday sale. They could only have gotten this email address from my 10/2016 Square purchase. Perhaps there was fine print somewhere that said my charge allowed Square to sell my contact information to Amorino Theater District for commercial gain, but I’d never have allowed it if I’d known.

  • SpongeBob SQUARE pants

    Welp……As of 11/25/2016 Iike everyone else I’m going thru the same BS with Square. Unlike most reviews on here I don’t do large transaction over $500+ I first made a credit card transaction for a measly $75.00 Square wanted documents sunt via email I passed all verifications. Yesterday I swiped for $286.95 I received an email today saying my account has been deactivated due to “High risk”??? WTF Its like were suppose to make transactions for $100 or lower for your account to stay active SMH

  • Kerry

    Will not use this product ever again service is the worst I have ever seen. I got the same email like everyone else about my account being deactivated and they will be holding my $2400 for 90 days and they will not contact you or reverse the decision. It sounds like they will be holding all of the money for the next 90 days and collecting interest off of it. Plus I cant go back to my customers and tell them I need to rerun their card again. The whole thing smells fish to me.

  • The Youth Shop GA Property

    We have read this about your company, no merits on this decision at all, but it is okay. You received the documents and you know the transaction was legal and legitimate. Please Refund the clients money today! You guys should verify account before setting up account not after pending transactions. This will help both merchants and customers. This tenant maybe homeless because of how your company conduct business. We will make the necessary steps we need to help prevent this from occurring again to another merchant that decides to use your services.

    FYI. I spoke highly about your service to my friend at NCR the next competition she comes in contact with will mention my experience.

    From: Square Account Services ;

    Subject: Alert from Square, Inc: Important Information About Your Account
    Sent: Wed, Nov 23, 2016 6:19:16 PM

    Hello To my company
    We’re sorry to inform you that we are deactivating your account. Our Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity.
    For further information about our policies, you can review section 36 of the Square Payment Terms.
    We regret that, starting today, you will no longer be able to process transactions using Square. Any funds currently in your account will be held for 90 days before being released to your linked bank account.
    If you’d prefer to receive funds more quickly, you should consider refunding the payments back to the original cards and seeking alternate forms of payment. (Please note that we will refund all the fees, too.)
    Refunds are available within 60 days of the original payment. To process a refund, log in to the Square dashboard.
    Use the date selector tool to locate the specific payment.
    Click the payment you’d like to refund, then click “Issue Refund”.
    Select the reason you’re refunding the payment, and click “Issue Refund.”
    If there is additional information about your transactions or your business that you would like us to take into consideration of an early funds release or a full reactivation of your account, please submit that information here. Our Account Services team will review your request and you should receive a response within 2 – 3 business days.
    Again, we apologize for any inconvenience this may have caused.
    Sincerely,

    Square Account Services

    © 2016 Square, Inc.
    This was done in middle of the pending transaction, documents where sent in, however this is the company business practices. PayPal will do your account verification prior to approval of the account,not during a.pending transaction. The cause hardship on both merchants and the customer and Square holds customer funds 90-120 days and longer in most cases without merit. No fraud activity whatsoever. Please take this as a warning for your business and your customers.

  • Brandon

    I would not recommend this service for new small businesses. There is no phone support and you must contact them through email. Their email response is vague and answers absolutely no questions on the issues at hand. I regret signing up with them.

  • Leila

    Wow where do I start? Horrible horrible customer service!!’ My advice to you is turn away, find a different route!!’ I went online and bought the Apple Pay , chip reader pack. I was super excited! So when I tried to register this and get it all set up it kept telling me we are unable to set up at this time try again later, so I did several times kept getting the same message, so I contact customer support well first of all it isn’t customer support it’s more like we don’t give a **** about you, telling me that because I had attempted to set my reader up to many times they are unable offer me their service! Then they said they couldn’t approve my application, well if I needed to be approved why didn’t they have me fill out the application before taking my money’ wow wow wow I am returning it before I even opened it all up! So disappointed!!! Wish I would have read all the reviews before I even did anything! Cause I would t have even ordered from them! So just know they don’t ever pay you on time there is no customer support!!! Bad bad bad bad bad service!!!!!!!

  • Kathi

    I decided to use Square Up at a small artisan show on Nov. 4th. I made two transactions which added up to a little over $600. I worked for 6 months to prepare for this show so that I would have Christmas money. They deactivated my account and are holding my money for 90 days! I’m unable to contact anybody, you can’t without an account. I feel as though I’ve been robbed.

    • Gail

      Square is an inadequate rip off company. Their service is ZERO- you can never get anyone on the phone as they make it impossible to contact anyone period! They send you robot emails that never explain anything clearly and they rob you of your $$$$ as they hold onto it for 90 days without telling you anything other than nothing! Of course they keep the percentage right uP front. I despise this company and their unrightful ways. Use PayPal or do it the old fashion way- accept checks- Postal Money Orders.

  • Vasil Vasilev

    DO NOT USE !!!
    After 3 years business with Square, suddenly last week i received the “deactivating account message, NO explanation”. We run legitimate Limo and Shuttle Services business in Orlando and i have some charge backs from time to time, but nothing excessive! DO not use these Crooks!! I gave them so much money over the years, never caused trouble! I was telling all my friends how good Square was and got knifed in the back!

  • Ken

    Unable to send invoices. Error message says “Payer’s email is invalid”, This comes up on every invoice I try and I verified the addresses plus one of them is a repeat customer with no change in the email. Sent an email to Square earlier today and the only response was an email saying they would respond.

    • The Youth Shop GA Property

      They do things without notice, during pending transactions with verification documents and it can be a hardship for your business and your customer. We and other merchants in metro area are taking their business practices to our senate and house representatives.

    • Kris

      You must be the only person on the face of this planet thanking square. This company is money holding company for interest period. Nice try do yourself a favor and watch for squares moles leaving good reviews.

  • Gage

    Absolutely THE WORST Customer Support. Terrible service provider. We have transactions that range between $5000 and $25,000 and we had funds held on the second transaction pending additional verification, which we provided. With no response from the verification team, I called Support THREE TIMES in one day from 10:30 AM – 3:30 PM PST with hold times up to 45 minutes per call. I finally got ahold of a human being on my third call only to have him not answer one of my questions, rudely and forcefully talk over me without listening, then hang up on me.

    SQUARE PROVIDED THE MOST HORRIFIC CUSTOMER SUPPORT…EVER!

    The reviewer has the perfect words to describe who best Square is for…”It appears that Square is best suited for individuals who have an occasional need to accept a credit card payment, such as babysitters and flea market vendors.” This is NOT THE CREDIT CARD PROCESSOR FOR PROFESSIONAL SERVICES OR SERVICE PROVIDERS. However, it appears it’s best for business owners selling coffee by the cup, baked goods, a mobile mechanic, or someone selling T-Shirts at a swap meet. Low dollar transactions (below $500) are king at Square.

    The provide NO escalated phone support. The support reps treat every phone call like the Wild West. If they feel like being rude or abusive towards assertive customers asking valid questions they can’t answer, they simply hang up in your face. There are no managers, no staff supervisors, NOBODY with any higher level management to escalate a call to.

    I will not be surprised when this company goes out of business. They seem to be on a fast train heading for the mountain. There are too many other credit card processors available for anybody to tolerate such disgusting service.

  • Cynthia

    I used Square for a bit back in 2011 with no issue but business closed. I recently opened another business and decided to go back with Square. After my first sale on the new account was taken, and I received an email that had me going
    through every hoop they demanded. Contractor licencing proof,3 bank statement,state tax id #,
    contracts with clients on & on. I get email next day (no deposit of funds) stating funds were seized to cover chargebacks from that old account. I was never was able to speak with anyone! After some research I found out and wasn’t aware there was fraudulent activity on the old account by an employee that switched information to their own (bank, email, etc). Our domain was deactivated when business closed so i never received any emails afterwards. Therefore I wasn’t given the opportunity to resolve or try to clear up old account; just another email stating new account deactivated due to suspicious activities. I assume since I was on hold for an hour and no one answered the account was being deactivated and reading here “deactivated accounts” don’t get support.

  • Tim Stell

    Have been on hold up to a half an hour to get a recording for call back, which has never come. They have held my funds for going on 2 weeks after I have submitted the information they have been asking for, only to find out that ,oops ? They need more information by emails , that they said were sent….. I haven’t received!

  • Mike Bagby

    The Square system is a great idea, the Square customer support (if there is any) sure leaves a lot to be desired. Their software quit working yesterday and I still haven’t been able to contact anyone about them getting it to work.

  • Micki Welsh

    SQUARE USERS BEWARE! I worked all day preparing for & catering an event. I used Square to charge my customer’s card. Later, I received an email from Square saying they had refunded my customer. After jumping through all the hoops to get a customer service rep, I was told that I had manually processed the refund. I could not convince him that I had not. Later, I charged myself $1 & refunded it just to learn the process. You have to manually input the refund amount & then enter a reason. So I called again & asked what reason had been entered. I was then told that there was indeed a problem because no reason had been entered. But shortly thereafter, I received another email stating that a reason had been entered after all. Obviously, Square has either had a security breach or a glitch & they are refusing to acknowledge it. To date, I have not received my funds for all my hard work.

  • Pim

    Hi there,

    I am writing this review from Canada since I also have the same problem as you guys here. Square have been held my $10K for more than 6 months after they deactivated my account. I try to search for anyone who have ever get money back but seems hopeless until I found this news “Complaints mount against credit card processor Square”
    please search in youtube or copy and paste the link as below:
    https://www.youtube.com/watch?v=AYgMx2AkqtM

    Is there anyone follow up or any result of this news?

    God bless us!!

  • dave

    My retail store switch to square a year ago. It’s been the best thing we ever did. I have been reading all the complaints and wonder what company your dealing with, the ease of completing sales and the ability to instant deposit the funds in my account is priceless. We also deal with square capital and presently working on paying off our third agreement. Square is a top notch company. I rate them 5 stars– end of story.

  • Nick Kostovic

    To Square;

    To Whom it may concern,

    You are stealing the people money and their identity.
    I supply you with all information, even with my clients phones, and their banks which approved funds.
    You are asking me which way I get my clients, and it has nothing with payments.
    It is just proof you are part of Organized Crime, and I report you to FBI, Los Angeles Police and BBB.
    I found on Internet you cheated your clients and kept money, tents of thousands of dollars for months from your different clients.
    All of my clients dispute payments and it was $15,000, because of your stealing the money and information.

    CURSE ON YOU,MACUMBU ON YOU

    Nick Kostovic

  • Tonya

    I did business with square for a little over a year. Then I started having issues some issues with “charge backs”. I was told that for my business it would be better to do an invoice and allow the customer(s) to pay their own invoices instead of keying in the card information (not in person). I did as I was instructed. For a while (6 months), it worked fine. Supposedly, a client waited 36 days to decide that they didn’t make the purchase. I tried contacting the customer to see if there was a problem. The customer would not respond to my emails. Square deducted the money and stated that I needed to provide information/documents regarding the purchase. I did exactly as I requested. First they told me the case had been decided in my favor (based on the information I provided). Then a week before they were to release the funds back to me, I received an email stating the customer had re-contested the funds. The bank decided in the customers favor and square locked down my account. I can’t get to any of the information. I’m out $1,085.00. You are gambling with the funds if you trust square to honor you as a business owner.

  • Greg

    Square wil rip you off. Held $1725.00 received from one of my customers for weeks and it still hasn’t been put in my account or refunded to the customer so they can pay me a different way. They won’t respond to inquires my email or take calls. Its impossible to get any help. Horrible company and customer service is a joke.

  • Paul badeau

    I would never recommend square to anyone. They took my customers credit card payment immediately . 8 days later I was trying to find “a person” to speak to and all I could get was a recording telling me to go on website and get customer code. I could not get the customer code because they deactivated my account for no apparent reason. I finally got someone to call me after many emails left asking where was my money (4000.00 mind you). After being asked several questions I was told I was all set and the funds would be in my account within 1-2 days. I received an email stating they deactivated my account and the funds would be in my account within 1-2 days. 3 days later still no $. I again tried frantically to reach someone and could not because the account was still deactivated and not deactivated as I was told by their customer service rep as well as the email. It has now been 11 days still no money ( however it was taken from my customers card 11days earlier). I finally revived a response to my , again, several emails asking where my funds were. They stated they could not process it because I for some reason am on a “red flag” list. For what , I have no idea!! They said I could wait 180 days for my money or refund the money to my customer. OFCOURSE I refunded the customer immediatley! What a horror show that company is. BAD BUSINESS and no customer service!!!! BEWARE!!!

    • jack

      my God I am just reading all these reviews and just come to see I have just took a ladies credit card for my first sale using a card and I am not going to get my money and neither is she… This is the first time to use Square and they send a long list of thing they need to verify my acct. After is sent all the stuff to them and waiting on hold for hours I was told all is well and the money will be sent to me the next day.. not only did I not get the money they said I was deactivated and can not say why and have to wait 6 months for the money.. that is $6450.00 I cant even refund because there is no button to do it….. What can I do????

      • Gail

        That is a major lawsuit waiting to happen. Contact a Lawyer or look to see if there is a Civil Law Suit filed then jump in.
        I do not trust this Company as far as you could throw them- they are crooks!

  • Has

    Received a text saying Welcome to SMS messages from Square – Reply ……..
    View your receipt from The Fix Solutions:
    Tap to load preview

    Never heard of them. Don’t have an account. And I’m darn sure not going to tap on their link! I see that apparently this is another sleazy scam method they have added to their arsenal. Watch out.

  • Dani

    In Florence,AL. I bought something from 256-718-7999. She was using Square. First she said …no receipt, than she said ok with a phone nr.
    Gave it, received a link …
    Now I dare not go pick up my receipt as my security tells me square’s site is improperly set up & would allow my info to be hacked. ???
    What is this ???? not having security in there ?????? I deeply regret having accepted to go through square. Bad juju !

  • Patricia S

    Beware do NOT use Square in offline mode. It is no better than writing the credit card info down on a piece of paper and hoping it goes thru when you can actually process it. I’m a vendor at craft fairs. I use square registar. I had great cell service because I was checking the current weather reports on multiple sites with no problems. Square would not connect online and told me to use there offline mode. I did, I checked for proper current valid ID. I had a $255 credit card charge. Square approved the charged and I had the customer sign squares capture screen and got the usual thank you screen. Big mistake on my part that I did not write down any customer info. My sales are one time things I don’t ever expect to see or sell to theses people again. IAcccording to Squares directions it says that as soon as I’m connected to the Internet it will run theses charges. I take the risk that these charges could be declined till I’m online. Less than 8 hours later I was definitely connected to the Internet I was at my home with dependable service. I checked my emails , sent emails, etc etc. I assumed Square was processing my credit card charges but NO they did not process these charges until some 7 hours later. Which is when this one Charge was declined. I feel that had this been done when I was first online then maybe this card would not have been declined. It took me three days to finally talk to someone at Square. The person was no help, would not let me speak to a supervisor. Would not give be any info about this charge, told me she felt it would have been declined no matter what time it was processed, but would not tell me why she felt that, would not try to resolve this with the person , or bank , would not run the charge again either.. Would not help in any way at all. Whe did offer to give me free processing fees for the next $1000 charges which amounts to $25 . So they are admitting that they were in the wrong. She would not check to see if their service was down it that area at those times. It was working at the library across the parking lot. Only Square was not working.
    So I’m out $255 which is a huge sum to us.
    Does anyone know if it is legal for me to take photos of people’s ID’s so I have this info to contact them if there is a problem and so I can run the charge again if needed. Of course I would delete the photos as soon as the charge cleared. I’m opened for suggestions . What company can I use ? Help

  • V Reddy

    One of the worst company ever. It looks like I have lost my money with Square. This company is not releasing my own money after providing them with all legal documents. I called them today and I was told that they will release money today but nothing happened. Scam!! Stay away sole traders

  • Pedro Moreau

    Soy un usuario de SQUARE y esto es una publicidad engañosa, me registre y seguí todos los pasos que ellos exigen, sin embargo después de hacer cobros por tarjetas que suman $6387.84 estos señores nos tienen estos fondos represados por mas de 3 semanas dañando el funcionamiento regular de nuestra empresa de servicios WETTER TOURS LLC. No USES ESTOS SERVICIOS ENGAñOSOS por favor. He tratado de llamar para resolver el problema y si revisas por internet verás que es imposible comunicarte con un representante, son una compañía sin seriedad y se quedan con tu dinero. CUIDADO con usar este servicio.

  • Alma

    My husband realized he was swiping his clients cards using square but all funding are pending. I went to BBB to see what they are about… WOW!!! To my dismay I read at least 15 reviews and all of them were talking about money withheld by square. THIS IS A SCAM!!! He only lost $78 which is a blessing when you look at the merchants who lost thousands. My heart dropped everytime I read a review indicating their trust in this company with information about their bank accounts and that of their clients. WARNING- You may want to randomly check your bank account for any unwarranted activity. If they are willing to steal from us blatantly in our face then how much more will they do behind our backs.

  • Tariq Zee

    I have been using Square up for more than 6 months for my retail furniture business. First of all they have the work customer service, I had to call them twice both times the representative was horribly rude.

    The biggest reason I hate Square up and I am going to quit using them is; NO REFUND AFTER 60 DAYS. So if you issue the refund via check you obviously loose the fees charged by Square which is unfair.

  • Terri Freeman

    Do not use this company if you have half a brain. Square has one of the worst web sites I have ever seen. It is anything but user friendly. You can’t find anything you want and trying to get a customer service phone number is totally out of the question. All I want to do is bill one of my customers by inputting their card number manually and I have now spent over 45 minutes trying to find the link to do that. I have tried signing in several times to see if I could get to the page I need but NO all I get is useless reports, and a bunch of junk. This is RIDICULOUS!!! I am going to find another company that does this but has a clue when it comes to designing a web site. This place SUCKS!!!

    • Leigh Myer

      Hey Terri, how funny to see you on here. Someone used my credit card who l trusted and took out alot of money. l have tried for three days to get a hold of Squareup and can’t get any one to speak to. My credit card company has tried and sent a letter to dispute the charges. Still nothing. Now l have a 1300 bill on my account. I can’t believe square didn’t send me “the card holder” a confirmation number at the time . l could have denied the charge then. Now two months later and l still haven’t got it resolved.

  • jeffrey phillips

    Square put a hold on a large payment from a customer and gave me no reason why. I will do everything in my power to prove that this company is holding money illegally to draw interest. I have contacted my attorney who has contacted the federal Bureau of Consumer Protection | Federal Trade Commission. I would not do business with these scam artist.

  • Piss Off

    Wow, I have read some reviews that was just posted within the last 72 hours and to my surprise, I am having the SAME issue. My account was DEACTIVATED yesterday for some unknown “security” reason after having a transaction done under $900.

    Is SQUARE serious. They shut you off without any explanation at all and keep you from calling THEM! How professional of them.

    I don’t understand what was ‘RISKY’ when its on file that an invoice was sent and paid by the customer on their on server entering their own information.

    For SQUARE to not want to explain themselves is a huge red flag for me.

    I DO NOT RECCOMMEND SQUARE TO ANYONE !!!!

  • Robert Faulkner

    I signed up with square the let me collect fees and when I tried to collect from them they closed my account and kept the money 3700 dollars don’t trust them they will steal your money and try to call them impossible

  • Michael Litt

    Decent basic system, however soon after purchase most support all but disappeared.

    Loyalty program that was promised as part of sales pitch ended up being dismal, restrictive and unuseable; after working with them over a year on it they finally added originally promised functionality and offered for an ADDED COST. Bait and switch.

    After implementation our rate almost immediately increased by .35%, as original was ‘oops an error’/. AFTER we purchased and implemented 3 systems. Horrible bait and switch. Stay away.

    Nervous Dog Coffee Bar
    Michael Litt, owner

  • Kate

    Do not buy this product if you are not a business owner! Square Up will not provide services to unincorporated associations and trusts (like community groups & charities). They do not state this anywhere on their website and you’ll only be told after you’ve bought the product and try to use it. When I sought assistance from their telephone helpdesk, I was put on hold and then they were unhelpful. I would not trust this misleading company.

  • josh fay

    I am extremely dissatisfied with Square. I have been using this service for about a year now and even though their rates are extremely high, the service allows me to take payments on the move. However, I put a payment of almost $3,000 through yesterday, and they are holding my funds for 1 – 2 business days to verify the security of my account. On top of the hefty fee, they reserve the right to hold any amount of funds at any time and do. When calling I spoke with a rep by the name of Todd and he refused to transfer me to his supervisor, tell me his last name, offer a phone number of someone that could help. So, my funds are held and there are zero representatives that I can reach to release my funds. I will be switching service providers.

  • Monica Drake

    Terrible. As soon as I linked it to my bank account, I received a message that my account was deactivated, the decision was final and that due to privacy concerns I could not know why. In short, they still have the $$ I’m owed for having sold a few things using square, but the account is cut off for secret reasons and there’s no discussion to be had. This information came in on a Friday night, shortly before their offices closed for the night. Now I have no way to manage product sales, and no way to access money from previous sales using Square, and I’m left wondering what is wrong with my account and if something has been hacked. I so regret ever using Square at all. My advice would be to avoid this company.

  • Jolan Stoltz

    Square will not send over deposits sitting in my “pending” to my account, now 7 days after each of the Square Generated Invoices were paid for BY the customers – on their own accord.
    Square will not call or assist to have the funds transferred to the bank account on file.
    And now, after my repeated emails to have someone contact me on this… They have DEACTIVATED MY ACCOUNT because of risky activity???? 3 invoices generated and paid for by clients??? How is that risky? They are not answering my emails – no calls – no contact.
    I’m helpless at this point, and the money is in their account that I can not access.
    Don’t even get me started on what is happening in my account awaiting the funds!!!!

    Is there somewhere else I can contact that anyone knows in the Square World????

    • Kimberly

      Jolane,
      Unfortunately, I have been trying to get back thousands of dollars from them since 2013. Nothing! I have been in contact with pretty much everyone, even opened an file with the FTC, but heard nothing. Contacted both the Ohio Attorney General and the California Attorney General, nothing. But Ohio Attorney General did accept complaints against my company at the time. Long story short, I had to close my business of 22 years. I get on here every once in a while to see if anything new has come up about how to get money back, but I see they are still up to the same old tricks. The emails that they send you after they deactive your account is down right crazy. Never let you have a phone number and never give you there last name. They told me at one time, “give us your phone number and an exact time to call and we will.” so I thought ya know, it’s been over 6 months I’m going to have some fun. I emailed them back to call (123) 456-7890 at 5:30pm – about 5:45 I received another email saying they tried to call that number but it wouldn’t work. Right then, I knew I was in trouble…who in the world would think that was an actual telephone number? Good Luck

  • Stephan

    Why is this info not being reported to the Attorney General. What is really frightening to me as I just paid off a loan from square where I was not aware of or they did not have the minimum 8% of balance must be paid within a 60 day period and full loan amount must be paid within 18 months. I do into think that clause was in my first alone or I was un aware of it and luckily paid it without a problem but being a Artist who has dry spells and then large sales it could of been a real problem. NOW add in this phenom of Square “Seizing” large credit card sale at their discretion. THIS is the real nightmare scenario. I am still after getting a new loan from them yesterday still unaware of what happens if I fail to make the 60 day or 18 month cut? that is the real issue for me. So much for the easy laid back, not have to think about or worry loan payment system. Square had restored my faith in lending up until yesterday and now it has set a new standard for un thinkable Loan terms. (Cue soundtrack to Jaws”. Actually it is sad and heartbreaking to see what is happening to people in this country when it comes to lending.

  • Jason

    Crooked company, did a lot of smaller transactions with them and it was fine. Then had a couple of large ones, then suddenly they froze/deactivated my account with $2600 in their bank account. Their last email says minimum 90 days up to 180 days(or longer they choose).

  • Chris Garza

    Let me start by saying I went with square because of a past experience with them. I ran a service dept and never had a single issue with square. I’ve just started my own small HVAC/R company and decided I would use them due to previous use. For the first 2 months everything has been great. Then they showed their true colors. The majority of my customer base are property owners that have rentals here in N.C. but do not live in the state. One of these customers I have been trying to get owns 1200 rentals here but lives in AZ. I finally got a call from here to service one of her properties. Needless to say after having 4 hvac companies charge her almost $1300 and still not fix the issue, she was ecstatic when I fixed in less than an hour at $425. So I charge her through square and after 2 days payment still said *Pending*. I contacted square so I could send this customer a paid invoice. Their answer was “It’s an issue with Mastercard not us” and “I Gaurentee the money is I your account by tomorrow afternoon”. OK no problem, I contact the customer and Gaurentee her invoice by the next afternoon. This was a Thursday, Friday morning I receive an email from square saying they need to verify my account. I fill out the information and explain to them how important this customer could be for my small company. They tell me “everything looks good, you will receive your money by tonight, but no later than Monday”. I again make the mistake of telling my customer the same thing. Well Monday came and went with no response from square. Meanwhile my customer calls Tuesday morning asking where her invoice is. I call square at 10 a.m. eastern time, they return my call at 3:30 p.m. and tell me “we just sent your info to the review dept you should have your money by tomorrow afternoon!!!!!! I get frustrated and tell them I am going to refund my customer and close my account. The guy from square catches an attitude with me and say “ok, I’ll send you the process to refund and close your account, bye” and hangs up on me!!!! What kind of customer service is this?? I think they forgot they work for me not the other way around!!! Their big mess up is next week I start my fall maintenence inspections. This is 3600 properties at $165 each, meaning they just lost out on $60,000 worth of processing fees they would’ve made because of a $425 charge!!!! I’m sure that’s not much to a large company but I’m not the only one they’ve treated like this I’m sure. By the way their whole reason for the review is because it was an out of state card. I fully understand and accept that. All they had to do was ask why and I would’ve explained because she owns the rental home and lives in another state. This is not uncommon here in America. Instead they turned it into a long drawn out process that just lost them a customer, along with everyone I know that uses square. I will be turning them onto another card reading service that only charges 2%. I’m not going to state the name of the other service so it doesn’t look like I work for them lol. Anyway, if you are a small company and need your funds in a timely manner, DO NOT USE SQUARE.

  • Jesse Smith

    We’re a real estate location providing horse stalls for use during a show in Florida. The stalls are expensive, the people pay on no refund and no deposit refund contracts, and everyone makes their payment on 10/1 and 12/1. Its a simple business model.

    I just accepted 50k worth of payments through Square. All of the money is on hold. Apparently to get it released, Square would like me to give them the last three bank statements of everyone I have paid money to on my last three bank statements.

    I’m not entirely sure how to do this, but I am 100% sure that everyone working for this company is a complete idiot. Do yourself a favor, pay your bank the annual fee for credit card processing. Maybe this is a great system for someone who sells candles at the farmers market on the weekend, but if you’re trying to operate a real business with actual revenue, this is not for you.

  • juanrico fuqua

    My name is Juan Fuqua I shared the same experiences that you have shared Square took $1,500 from my account and then they sent me a email saying that my account was deactivated and I wouldn’t get any money back for a. Of 90 days this is ridiculous there’s got to be some way that we can get this money back from Square my suggestion to you is to go to your local Prosecutors office and large a criminal complaint against square and then you may be able to get us to thank you so much for reading my message and have a God blessed day

  • Chad

    It took over two weeks to get paid for my first transaction. I answered every question and submitted every document imaginable and now in trying to get paid for a second transaction they’re holding my money again and asking all the same questions.. I was on hold for 40 minutes before a recording came on and said they’d call me back. That was 30 minutes ago. They are incompetent, inconsiderate and probably purposely holding people’s money for their benefit. I will never use them again and if they ever call back I’ll let them know it

  • A & A PAINTING CO LLC.

    I charged an existing customer a transation for
    $3,935.00 , it took several days for me to find out why
    my money has not been deposited in to my account .
    After sending a email to square they email me back saying that I had to verify my account . I tried to speak
    to someone it is very dificult I have questions about the
    verify account issues ” it has been over a week and I
    still don’t have my money ! I am considering going to another company .

  • Charles Lipsey

    WORST company I’ve ever dealt with trying to get to customer service. I was on hold for 3 1/2 hours finally hit option 1 to receive a call back. Another hour went by with no call. I and my partner used 3 lines to call again. finally got a call at 9;30 p.m. while i was finally home and in the shower and missed the call.This is a recurring experience hence the need to post this review.

  • Shay

    These people are absolutely criminals. They withhold your money whenever they feel like it trying to contact anyone to resolve anything is not going to happen.I would never recommend anyone using them and I don’t even know how they’re still in business.

  • Bluelime GraFX

    I pre ordered the chip reader that bluetooths to your devices. I go to use it for the first time after finally receiving it moths ago just to find out that it doesn’t connect to my phone. How can a bluetooth device that runs their register app not be compatible with their hardware? It is BLUETOOTH for God’s sake!! I call them up pissed of making me look like a fool to my client when it doesn’t work. Just for the new age hippy way of patronizing a person that has every right to be upset. It isn’t like I am throwing a tantrum because I didn’t get a gummy bear snack in my lunch box. This is a BUSINESS and loss of money we are talking about folks. Do not patronize me or others when you have a crappy business that causes us to lose money and clients.

    The lady said sorry over and over and over…..number ONE mistake in my eyes!

    She offered me a puny 100 dollars of free transactions for my trouble…..number TWO mistake.

    She said she would see if their plug in device would be compatible with my phone……I gave her the make and model and sure enough was untested…….number THREE mistake

    I told her that I would no longer do business through Square, because when a company pisses me off this bad and makes me lose business then they lose my business in return. She got me my info for the return of the product so I can get refunded the 49 dollars I spent….MINUS the shipping and hassles…….number FOUR mistake.

    I also got an email about getting 100 dollars of free transactions or 180 days which ever comes first. As often as I need to use it I would end up getting nothing in return……number FIVE mistake.

    I have been very insulted. They have tried to pull the fast corporate smooth over a pissed off customer by offering a very tiny offer like I am some child that is a sucker. This to me proves that corporations charge for the value they think they are, but downgrade the consumer with measly offers to say sorry for wasting the consumers valuable time, money, emotions, and well being.

    YES Square I do not fall for that slide of hand trick. I cut ties and say good riddance to the corporation that swindles me out of my value! If I did it to wal-mart 25 years ago. I will do it to you. Never again will I do business with you or any subsidiary company you may own.

  • jacquie

    Square has horrible customer service. I entered my information wrong one too many times, when i tried to go back and fix it the website would not let me. I emailed them for help and this is the response i got.

    ”Hi,

    I apologize for the delayed response — thanks for your patience.

    Unfortunately we can’t approve your application to accept credit cards with Square. We wish we could provide you with another chance to apply, but we’re unable to do so since Square can only provide a set number of application attempts.

    While we’d love for you to process payments with Square, this isn’t possible.

    We wish you the best of luck with your business.”

  • Shawn Schwartz

    We are a non-profit mental health services organization that did minimal business with Square (<$1000) per month. However, for some of our clients, this is their preferred payment method. I received a "account deactivated notice" and upon querying the poor client service folks, they said "we cannot disclose the details".
    While they can "legally" terminate without cause, apparently they don't care about the black eye.

  • James Lucas

    I have had a tough week. Bought a dud car maybe lose about 4 k when I re-tade it back on one that’s worth it.
    A month ago I went to the bank for a Eftpos machine. It used to cost $40 a month now they wanted $80 a month. ++ if you go over 6 k trans a month. Rip off, Square sounded great compared to that. Just sorry never read the reviews. (slow learner) they also never say in the beginning how much info they need for you to verify yourself either after you sign up.
    Then yesterday I get a email that I need to verify my account and a customer who paid $2,600 into my my account via square. They are holding her funds back for the second time. 3 weeks ago this same customer paid me $4,500 had the same problem then except they tried to tell me it was a fraudulent transaction from Canada (were in Melb Australia) Aust bank and card.??? and this is a long term customer I have known for several years. At the same time another customer paid me about $1,700 hers was rolled into the same fraud. After many talks and getting info to them about these customers names add etc me supplying invoices (why) they after a week paid me many days later than they promised. So now same customer with the Canada fraudulent card. paid again and they want the same info back again. for someone they cleared 3 weeks ago. Tried today to clear up but it had to go to credit department With no return call coming from there. After reading these reviews for the first time. (Bloody idiot that I am) Once I can tolerate a mistake like that, but twice and to the same person again. Never she was humiliated having to identify herself and her credit details once to them, do I have to do this again. My customers are valuable assets to me. And Square is F—–ing them around and me as well. The penny has dropped reading these reviews. These sharks lend money to their clients for a healthy profit. Guess who,s funding the capital. Its all the customers that have have a $1,000 or two or more tied up in a 90 to a 365 day or more in transaction disputes. Or they are making money like the banks with electronic transfers, holding the money for 3 days on the short term money market laundering. But Banks cant hold disputed funds they have to pay the recipient then sort out the problem. But not Square. watch out they are un contactable. don’t return phone calls or Emails, when they have your money. Unable to sort a problems but create them. Melb credit card in Canada give me a break. Where does that bull—t come from. Watch out. I’m getting out I think they may only be good for a coffee shop or anything under a hundred. But after reading these reviews they will get your money one day and keep it for a year or so. The ACCC will be hearing from me about Square. Back to the Bank for me they cost,but are predictable and reliable. and assume responsibility for what they do. I will hazard a guess this this is a low capital tech company. clawing there way up to being a wanna be bank with their customers illegally held funds. “WATCH OUT” !!!

  • Christy Hendricks

    Wow! Square (which I have used for YEARS in my business) just sent me a very disturbing notification. I read reviews on the product just now and they are not good. I have thousands of dollars they need to transfer to my account that they are holding. Any suggestions (oh, BTW they only have automated responses and even FB is automated). No Customer Service. Here’s their notice: Hello Christy,
    Thanks for following up. We understand that this can be a frustrating experience.
    Unfortunately, our decision to deactivate your account is final. Due to the obligations of our agreements with card networks and other financial institutions, we cannot reverse this decision and are unable to provide additional details.
    For further information about our policies, you can review the Square Terms of Service on our website

  • Antainette

    This would be my 3rd year doing business with square I run a online virgin hair boutique My busy season is Sept-April every year. Everything seemed fine at first I processed more than 54,000 with square during 2014-2015 I took a small break from processing April-Aug 2016 I called into square and asked was my account still okay to process on. I was assured 100% your account is fine no need to worry the representative went over every inch of my account with me and said your account is perfectly ok. I asked would I have to go back through reverification of my business the representative said no. I said alright so I sent out my email blast & social media blast letting my clients know I was back taking orders. I ran my signature special of $50.00 bundles Sept 7- Sept 11 and bam………… September 11th I get a verification notice in my email I was upset because I had been doing business with them for years now. I had only taken in 1,000 from my customers at this time. I called customer service on Monday September 12,2016 and got the usual run around crap not to mention I was on hold for 2 and a half hours. I finally did the call back. They lady that called me back was very rude I asked when could I resume normal business she said they should email you today or tomorrow when your money should be deposited after reading all the reviews here I am less than hopeful about my account. I have a feeling im going to have to refund my clients money and look for another processing service since square has become so bad they are losing good business owners

  • Jeanne

    We rent cabins in a beautiful mountain area of Oregon and have been in business over 11 years. Two transactions were deposited to our account, great, right? Then I made several more deposits and immediately I am asked to send info on our business which I did. Two days later I get the famous email, “account deactivated, money held for 90 days, risky transactions.” Since you have been deactivated you will find there is no way to talk to Square, the phone number given is only for “active accounts” After ready the reviews I fear we will never see the money they are holding for 90 days. This puts small business owners in a difficult financial position.This is a scam and the owners should be in jail. Send a report to the Better Business Bureau, get that A+ rating down where it should be.

  • Linda

    So I spent money and about 3 hours trying to connect my bank account to Square before one of our fundraisers. After all this..and telling me about a secret routing number from the bank they needed (and the bank didn’t know anything about a secondary routing number)–they decided we couldn’t connect the bank account. Their advice was to go to another bank! What a bunch of crap. They should warn people that they can’t connect to all institutions straight up. But it looks like straight-up is not in their list of virtues judging by some of these reviews.

  • Dee

    I’ve used Square for a few years now and it seems their quality of service has hit the skids. I’ve just experienced what has been described in the forum here, ‘security holds’ on almost $12k of funds for no apparent reason. When I called I got the run around from four different people as to what was happening and when the funds would be released. One gent even went so far as to say I didn’t have to use Square if I didn’t like their policies – not a problem there Chief!
    Having owned several small businesses of my own and working for one now, I can safely say that I would not get away with providing this level of poor service to my customers – I wouldn’t have any customers left. At this rate they’re not going to either unless they make some dramatic changes.

    • Mark

      I have been using Paypal and Square together on my Weebly site. They have my funds on hold now after using their services for three years. They promise two-day turnaround that was eight days ago and promises I will get an email Reading the other reviews looks like this is not a good company to deal with. I will be going with Paypal 100%.

      Does not feel like an honest co.

  • desiree gato

    I have had it with this company. Their customer service is pitiful. I go online to get a “ticket” which is required when you call, and it doesn’t load. it’s just a blank page. I have had multiple instances where whoever I send money to does not receive it, and when i get a return, it takes multiple days to go back into my account. I am fed up with square and I am done using it. After I get my refund, i will be deleting the app and so will the rest of my family.

  • David Paolo

    I would NOT recommend Square to ANY business. We received an offer to add Square as a payment option for our clients, we had been using and continue to use the payment Gateway from Freshbooks. After putting a few transaction through Square with one client Square put a hold on our funds to “verify” the transactions. After answering many question and uploading and email several files Square closed our account, KEPT OUR MONEY and said it would not be available for 90 days. We are a company that does business and provides service with Fortune 500 company’s for which we provided AMPLE documentation. We are an approved member of the Ariba Vendor management portal which is used by our Fortune 500 clients. I WOULD suggest if you are a small business DO NOT USE Square.

  • Bad Customer Service

    Good product but the customer service and tech support definitely need improvement.They have all these young inexperienced support staff that are definitely not qualified to resolve complex tech issues.

    These youngsters are rude and lack customer service skills. We all have bad days but from my experience, rude service is fairly consistent at Square Services.

    I have had a few technical issues with my Square account. Speaking with their tech support yielded the same result. My issues is not resolved.

    Their response… “We have done all that we can. Sorry.”.

    They do not follow up.Repeated phone calls and emails were just completely ignored.

  • Mrs Goldston

    I have been using the cash app for two years free of charge, them all of a sudden in July of 2016 it began charging me 2.75% for every transaction sent or received. Because there is no direct customer service number I emailed customer support about the issue, however it took days before heading back. And when I finally did hear back it was generic response. Because the issue has not been resolved, I had to send ANOTHER complaint email and wait for who knows how long for a response.

  • TAMMY SCHNURR

    They deactivativated my account without notifying me until i contacted them after a week or so wondering where my $1300.00 deposit went to. They said i would have to wait 90 days due to deactivation for patterns. They would not answer customer service and it took 6 times before i got a call back from them. They finally reviewed my account and decided to deactivate it.

  • Charles Baca

    SquareScam is the WORST Website for transaction in the HISTORY of the internet. I Sold some stuff back in April of 2016 and i have yet STILL to receive my money and its September 1st 2016. I Sold a digital asset back in April and because i did ten transactions of 1000 dollars in less than a day they said i was fraudulent and they where gonna hold my funds for 90 days! i said ok thats fine august 1st rolled around and i still didn’t have my money i have been contacting them all month to help and im getting 0 responses and they still have 700.00 of my dollars HOSTAGE! Im writing a review here and on every website that allows me to, im also reporting them to the BBB. AVOID SQAUREUP AKA SQUARESCAM AT ALL COSTS!!!!

  • kevin hart

    I started to use square a week ago. I am HVAC contractor. The first transaction was 1700 and the day after I received a email asking for copy of the contract and my license which I sent them on Friday found out this a week later that they were deactivated my account and gave me one hour to refound the customer. Their email stated that my company is high risk. My company is 25 years in business. I recommend not to even consider a square account as they are a complete ripoff.

  • Michael F

    I used to think Square was the best. After processing over $500,000.00 over a three year period with no charge backs, I had grown accustomed to them. They offered me Capital Advances form time to time and I was really excited about the next day deposits. All this changed last Monday (8-15-2016). For no reason I got an email from Square stating they needed to verify my business. Moreover, they would suspend all deposits until this business was verified. Thats funny I thought, we have done business ofr three years and have spoken many times on the phone. Be it as it may, I sent in what they asked, fully expecting a thank you and your all set. No response. Two day later, they re-requested the information, I tried to call them, no response. No way to contact them by phone, no response to my emails. Immediately changed processors because I can not and will not do business with a company that can not take a call. Beware of them! This is not the first time this happened to good merchants like myself. They ended up deactivating my account, which was fine by me because I already moved on. Square = F- to me. Really disappointed.

  • D Hirsch

    I had dinner at a restaurant that uses Square Up and will no longer do business with them because Square Up shared my email address with them. I did not provide an email address when I bought my dinner and paid with my card. The next day I had an email from the restaurant asking me how I liked it – I didn’t because I did not share my address with them – Square Up did. I have been spreading this to my friends and warning them about using a credit card to pay for dinner at any establishment that uses Square Up to process payments – I did not give them permission to contact me this way and feel it is a breach of the anti-spam laws.

    • Susan

      So what program do you guys suggest? What is the next apps for small businesses that accepts all forms of payment with no hassle? If your paying with a credit card, any program, any swipe, any computer transaction, HAS YOUR PERSONAL INFORMATION WITH YOUR PERMISSION GRANTED AT PAYMENT and does not need permission to send a emailed receipt or survey. Your lucky that is all the information, which is sent to only you from square or ANY FORM OF ELECTRONIC PAYMENT.

  • Kacie

    Square is only good if you want them to hold your money for 6 months. They will hold deposits then say they want to do an initial review of your account after you email several times about not receiving your deposits. They will then close your account without notice and say it’s in their policy to be able to do so. They then give you the option of refunding your client and taking payment again, even if services were already rendered and it was after 60 days. They will then hold your money for another 90 days. They are a fraudulent company and I highly recommend everyone stay away from them.

  • LMAulgur

    SQUARE WILL NOT STAND BEHIND THEIR SYSTEM ERRORS.
    Do your research before you sign up with square FOR THE FOLLOWING REASONS
    1. You cannot find a customer service phone number in a timely manor
    2. I was processing a transaction that had doubled because of square when SQUARE ISSUED a refund to the previous customer.
    3. Square would not stand behind this system error.
    4. After 5 hours on the phone with them they refused to reverse their error and I am out $80.15
    BE AWARE

  • Lifewurx

    Stay away from this company. Read how square destroys small business accounts with no recourse. They did this to a company of disabled military veterans. We needed online invoicing for our small shop. Square let us set up, took money from a client on one transaction using American Express card then square demanded we provide supporting documentation for our business existence. We provided Federal EIN, copies of the invoice for the transaction and informed square we were small… And only had a web contact page as we were still building site. Square demanded the same documents TWICE from us. When we complained about that and refused to be extorted into taking out a company advertisement we do not need or want, the Square rep seized our money, closed our account and denied us the ability to even talk with anyone. We were toled the reason was “a pattern of risky transactions” how is ONE TRANSACTION … A PATTERN??? I used my personal account to get a phone code and was threatened by Square rep and led to believe that if I made another issue out of business account being closed, my personal one could be affected as well. SHAME, SHAME SHAME! If you have any connection to the military, close your accounts and take your business elsewhere. These people are the worst kind of crooks. Do a google search of this wretched company to learn for yourself the small businesses that have been destroyed without recourse or review by these people. Ask yourself if your business could survive having all your money stollen right now, your entire POS taken and you left with nothing and no appeal. That is Square folks… The cold hard truth. Check out their BBB NEGATIVE reviews and ripoff report. Eye opening. Glad we did not go all in with them.

  • Darius

    Hello people and businesses. Square is becoming a thieve big time. Square is holding merchants funds without any detailed explanation, they stating that account is under review for a weeks. This is most likely a big scam I ve ever seen. I had couple invoices paid by my customers and square placed on hold those funds for unknown time period, they lie over the phone that your funds will be released by end of the day. It never happened. I m very confident that square is steeling money and. This is big scale scam. BE AWARE!!!
    I m going to file a law suite against SQUARE SCAM!!!

  • LATISHA MCDOUGALL

    Square, Inc. makes no effort to resolve issues when its service fails. I have contacted square via email, Facebook, and Twitter, seeking to find out where my refund was and Square, Inc went so far as to block me from communicating with it through social media. Square lost my refund and I am asking it to help me trace where it put my money, but instead of assisting me, its blocking. Square block me from contacting it on Twitter and Facebook. Square has effectively stolen my money. Square, Inc. makes it almost impossible to speak with a live person and takes days before responding to your email and when Square finally responds to your email, it provides no answers.

  • Rita Goode

    I processed three invoices through quare for one customer with three properties, Each had to be invoiced separately and processed separately for each business my customer owns. Square allowed the processing, one being over $13k, and the other two were around $500. FIVE DAYS LATER, Square said they “permanently deactivated” my account and that I needed to refund my customer or they would hold the money for 90 days before depositing into my account. With N EXPLANATION, mind you. They just did it! Luckily this is for my mother-in-laws businesses, otherwise, I may have lost a customer over this nonsense, when I tell them “Square is great and we would have no problems processing her invoices through Sqaure. Well, this has soured me off of Square “permanently” and I would suggest no business with transaction over $50 use this service. They should have kicked back the charge at processing if there was going to be a problem.
    This is SQUARE’s fault, not mine. the transaction was completely legitimate and LEGAL!

  • Chris

    Do not use this company they are a joke they hold your money for 90 days even if you win a dispute you are putting your buisness in jeopardy if you do choose to you will regret it the are incompatance unprofessional read your paperwork because there is a lot of hidden scams in the contract if you ever listen to any review listen to this one

  • Robert Roberts

    i bought a square devise and attached to my phone and i was having problems entering my routing number, so i tried to call them and speak to a human being, it was impossible, There system is not designed to speak with a customer service, I wanted to know where my financial info went to, since it was not processed, who got my info, and what do they do with info thats not processed, since you are asking for personal info, dont like it at all.

  • Karen Simmering

    I used to love Square because of its ease of use. When we heard they had a cash advance program for merchants, we decided to use it (despite the high fee) and we were delighted with how easy and stress-free it was to pay back.
    When we were within a couple weeks of paying off the balance, we got an email inviting us to get another (higher) advance. We were thrilled, and planned to use the money to increase our stock in preparation for an upcoming busy season.
    However, when we applied for the advance we were suddenly “ineligible.” I’ve now spent more than a week begging Square to have someone contact me to resolve this problem or at least explain what we did wrong to suddenly lose this opportunity. Their customer service people are very nice and apologetic, but apparently the people in the Capital Department are absolutely impossible to contact or talk to. Each agent I’ve talked to has promised to forward my request and explain the urgency, but the fact remains that over the course of eight days I’ve sent four emails and called four times and have been completely ignored. (They promise a 24-hour turnaround.) I am starting to research other merchant processing options today. There are lots of other options out there now besides Square. I highly prize loyalty but if they’re not interested in helping me, I’ll have to go find a company that’s more responsive. Not impressed!

  • darren

    squareheld our funds in january 2015 and have not released the funds it is now august so thats one and half years wih almost no communication legally you can only hold funds for 1 year from the transaction date
    wallace consulting

  • Helena Spensatelli

    I just read some of the reviews and my hopes of getting the close to $3000 that Square has been holding for a week are gone. We area small cafe and catering business. Not only are we out the money they won’t deposit into our account… we are also out the food costs we paid for and the staff costs. This is really crippling to a small young business.

    My story is the same. After doing business for a year with Square, suddenly our “instant deposit” was taking a week. Then we started supplying meals for a local rehab. We had a credit card charge for $1840.00 and it never made it into our bank account. Then we were asked to verify our business by supplying 3 months of bank statements, our EIN #, and our food handling license. Really?? wtf? But we supplied everything they ask for.

    Next day they wanted more verification. Had to supply our invoice to the rehab facility, and answer more questions. Still holding our funds. So upsetting and stressful. Can’t even make payroll.

    PLEASE BE WARNED… DO NOT DO BUSINESS WITH SQUARE!!!

    It’s been 1 week that they have been holding all our funds, including the day to day cafe business earnings.

  • Atakan Camadan

    HORRIBLE HORRIBLE HORRIBLE. If you are a small business dont ever use square. It is so cool with white beautiful design hardware and fancy website but when you need customer service you are in trouble. Also they can just put a hold on your funds for their review like you are a hacker or thief stealing other people money. They are holding funds in my account today and I need to make a payment to other company tomorrow and guess what I dont have the funds available. I will loose my client because of square. I learned my lesson now. I was warned about square services how horrible they were and I didnt listen If you dont wanna be a victim dont ever use Square. They are super expensive and they treat their customers like they are thieves.

  • tim

    Square has had our funds held since march 2015 it is now july 2016 1 year and 4 months later and we have had virtually no response from square of when these funds will be released it could be another 10 years as far as we know
    care cleaning

  • Steve Porter

    This company is a fraud, they will do nothing for you except steal your money. Finding out what thieves square is has cost me $520. I’m filing a complaint with the NM Attorney General. I will also file complaints with any other government regulatory agency. Do yourself a favor and don’t do business with crooked square!

  • Jonathan Immke

    Cannot contact and speak with a customer service representative. Apparently Square Inc. doesn’t believe in providing customer service like most other financial institutions.

    Cannot do business with Square Inc..

  • Tim Williams New England interiors

    Square is horrible. Not only would they not process a bill from my customer, it tool a week to resolve and the resolution was not to process. It took a week for the refund to transfer back to my customer. I refilled for the amount limit they suggested and they refused that due to frequency of billing. Under 90 days. Wtf…
    I will certainly be looking for a different merchant. Square looses another customer

  • Eldar

    Square is holding our funds for more than 120 days with no explanation no communication
    We will never recommend Square to anyone This company is called this company is the biggest bully in the credit card market
    You wear for your money will be gone for months you won’t even get it back

  • Ray J hutcheson

    I have been with square a little over a year. Ran a large charge of 2000 paid by invoice and square froze my account. They have not deposited my funds nor will they allow me to refund my client so he can pay me by check. It’s been a week.thier rules promise next day deposit. Phone support is basically non existent for all practical purposes. It’s hours till they call back and they have no knowledge of your case. They appear to be reading from a script and have no direct knowledge of your case.They refuse to allow you to speak with a manager. They claim manager support via email but despite numerous emails sent I’ve yet to receive one reply so I assume it is a stalling tactic. As far as I can tell there is no other numbers to call. I have tried thier corporate office. It has an answering machine and if you don’t have an extension you can’t speak to anyone. Same with thier legal offices. I tried many extensions hoping to accidentally get someone. No luck. Messaged them on Facebook (where your not allowed to post directly to thier site) and was assured “someone would get back with me shortly”. When I pushed for a manager or someone who was actually working on my case I was told they couldn’t speak over Facebook about my account but someone would be with me shortly. ……..
    They have overy 1800 simmilAR complaints on the better business Bureau who gives them a c rating.
    When does this behavior go into the criminal relm? Any help you can give me toward resolving this issue is greatly appreciated.
    Many thanks,
    Ray J hutcheson
    Hutcheson Diesel

  • Bev

    I have a small business and switched to Square this year from Chase Paymentech. I wish I had done this years ago as I have saved so much money. However, I notice that they take money from my customers and hold on to it for a lot longer than Chase did.
    I had to process a refund for the first time last week. The amount was less than $100. The money was taken directly from my bank account and then not returned to the customer for over one week!
    I wonder how they are using our money in the iinterim.

  • Dena

    Square has been holding our money for 90 days. And they deactivated our account making it impossible to get in touch with a live person to find out what is going on with my money.

    • Erica

      Square did the same thing to me, activated my account and told me to began using their service then sent me an email requesting additional information which I sent immediately then a couple days later, they email me stating that my account had been canceled and my funds would be held for 90 days and that there was nothing that I could do or say that would change their decision. Now as a certified veteran owned company contracting with the government this was such a shock and disappointment. I have not been able to contact them after this, my customer code does not work anymore. Wow, this caused major financial stress for me as a new small business owner.

  • Brett Leighton

    I have been a square customer for almost a year without a problem.. Until now! I had a customer bounce a check for $5500 and so he called me and I keyed in his debit card for $2950 ( max per day $3000) and a credit card he gave me. Square debited his account and then froze my days deposits from my retail store as well saying they needed further verification. After a lengthy online form and No customer service… I still have yet to see my funds and this is a new week…. Also the next day’s deposits have yet to show up on my account as well! They allow me to continue to accept payments but are keeping the funds!!!! Do not go with this company! I am finding a new processor today.

  • Dwaine dyke

    Any company that does not have a person you can talk to should not be used by anyone. This company is crooked the took my money because of a dispute then deactivated my account with out a phone call just an email. DO Not use them and tell all your friends that are to stop before there out $8000 like I am

  • Mario Rossetti

    There is virtually no customer service from this company. Twice I have been promised that a return call would be made to me and that call never came. After several tries I quit.

    Mu advice; find a company that actually wants to communicate with you!

  • Lance Tawzer

    Contacting customer service, getting straight answers to simple questions about services and costs (not fees) is next to impossible. You cannot speak to a human. It is no wonder that this company is losing customers left and right. People who are considering using Square should be warned about how poor their customer service is. Grade should be F

  • Michael M.

    After reading all the reviews I am so happy that I didnt take a friends reccommendation and go with this company. I decided that PayPay was the company for me. 3% thats all. No different rates for this or that. No withholding deposits for 30 days. In the beginning cash deposits to my bank took 3 days but Ive been with them for a while now and usually only takes a day sometimes 2.

  • Michael McNeil

    I used to think Square was wonderful never had an issue up until recently when a credit card company flag a charge and the customer call them up and fixed it immediately I’ve never had any complaints no problem but now they’re holding my money for account verification they want bank statements which nowhere in their contract does it say they need bank statements for verification it’s basically extortion and not only while the deposits are deferred they were still accepting money why wouldn’t they decline the charge

  • Douglas Dolton

    WORST COMPANY EVER! They took $31K from my customers, then suddenly, mysteriously, are holding it while they “verify” my business, after doing business with me for one month, and having two people come out and visit me (at my request). NEVER DO BUSINESS WITH SQUARE – I can’t WAIT to talk to Jack Dorsey!! I’ve been in the financial services business for 35+ years – i have NEVER seen such a terrible experience for the client – I will make sure EVERYONE knows what I think – i can’t even get anyone from Square to talk to me.

  • Tessa

    Complaints and Service section should have an F rating, not a C.

    Their customer support is non-existent. If a hospital only provided medical care for people who are perfectly healthy, it would be just about as helpful as Square’s customer support.

    Our account was deactivated with no warning, and no explanation. Frustrating, but technically their Terms and Agreements say that they have the right to do that. HOWEVER they took money from our customer, and canceled our account before paying it to us! Sorry Square Inc,, I don’t see anything in your Terms and Agreements that says you can steal money.

    OUR STORY: After taking a legitimate payment from our customer, we were asked to provide highly confidential information to “legitimize” our business.
    I replied with a request for support contact information, in order that they would explain their request. I got a canned email in response saying “your account has been deactivated for suspicious activity.”
    I sent another email asking for explanation and support. Their one sentence answer was “Support is only available for active accounts. Sorry for the inconvenience”.
    To put the cherry on top, they DID remove $3,700 from our customer’s bank account, and have not deposited the money into our account.
    But WE are the ones being told our activity is “suspicious”?

    This is not a legitimate company. These are professional scammers.

  • Bradley Zientara

    CHOOSE AN ALTERNATIVE!! i would stay away from square if you own a small business and need to accept credit cards from your clients. The customer service although very nice, very unhelpful. They kept the money owed to my company for over a week asking me to jump through hoops only to deny the requested transaction. I would look for alternative sites, let any other entrepreneurs know if an alternative is available they should go that route or it will end up costing more in the long run.

  • Kelli

    Over charging. They constantly exceed the 2.75 percent. I do not do instant deposit now as the charge an additional 1 percent. New rule without notice. I have requested an audit if my account to no avail. If you want customer service or set fees I recommend using another company. If the BBB gives this company an A + after over 1600 complaints all that means us they paid their dues with the BBB. Business owners beware you have no recourse without a lawyet

  • richard thomas

    Absolutely stay away from this horrible company. They have no customer service if you are not a merchant,so if there is ever a problem with a transaction you have no recourse other than emailing them and waiting several days to possibly get a responce and then the responce is inadequate to solve the problem. They are holding money for days and days when there is no reason to do so. I just got burnt by buying something for a friend who was going to pay me back right away. they did but squarecash decided to hold the transaction. I dont have a lot of money I cant afford to have my money floating in space and unable to do anyth8ng about it. its only $160.00 but still if they are doing this to thousands of people daily they are making some big bucks by making there networth seem larger than it is. for all I know they might never give me my money and I have no way to contact them and no recourse whatsoever. very stressful for no reason. they need a customer service number available to anyone who uses there service. I have used them for a while now and have had too many problems like this. I will never use them again.

  • Noah

    Whatever you do, do NOT use Square! I’m not sure what their issue is. I used them for years and they have profited from thousands in fees off o my business as we ran close to $200,000 total thru then. All of a sudden, they closed my account for violating “Section 47” of the user agreement? There is only 26 sections!!! I took a card from a family member who bought a service from our business. Legit? We are radio stations. They had the same last name as me so they said that I was advancing myself money? WHAT??? DON’T USE SQAURE!!!!!!

    • richard thomas

      I agree, this is an awful company, They literally stole money from me and I have no way to contact them, my only recourse is to report them to the BBB unfortunately that will not get my money deposited to me. They are thieves.By being impossible to contact they have created a situation where they can have a “glitch” and take a persons money and that person is unable to do anything about it. I will never use this company again, I am so unbelievably angry .

  • artnwordz

    This mobile swipe company SQUARE is HORRIFIC. DO NOT USE THEM with YOUR FINANCES.

    1- they have NO real customer service. This point is widely advertised. And it’s shocking the way they will treat you when it’s not to give them your money.

    2- they are being investigated by the federal government for appropriating people’s fund and holding them. THIS was done in preparation for their public stock release in order to make themselves look like a bigger company then they were. This practice apparently was highly illegal.

    3- like Nordstroms their ” charge back ” return policy is a joke. They will take money out of your bank account FIRST before even speaking to you as a merchant / provider. Then they make you chase your money just to try and get it back. To add to this issue SQUARE is not real financial corporation. They only use your money as a go between and take their VERY high fees then send you the rest. This matters because of this.

    When someone purchases something from you any other company that takes mobile swipes has a computerized system that applies an ISBB electronic code to your company name and you have to be approved to seek with any other company. When an item is purchased you companies name appears on the sale !! NOT WITH SQUARE.

    THEY SEND PEOPLE RANDOM ITEM / or GOODS RECIEPTS. IN OUR COMPANIES CASE THEY WOULD REPORT PLACE IF SALES AS ” grocery store “.

    You can only imagine how many fraud issues we had to deal with not to mention charge backs. ALL BECAUSE SQUARE LIED AND MESSED UP and offer no real support.

    AGAIN STAY AWAY FROM THIS COMPANY WITH YOUR MONEY AND BUSINESS if you value growth and your time and reputation.

    Their attitude is putrid and they feel they can not be touched so they do not care they are rude and offer no support.

    We understand all companies are busy. And seek to save money. But SQUARE is truly and capitalistic greedy company that pretends to offer ” support ” but in reality offer 2.75 to 3.4 interest charges and give you the middle finger while they are at it

    Very sad.
    Thanks for reading and we hope this saves another company the pain of dealing with SQUARE.

    Report Comment

  • Jese Nicolopoulos

    We started using Square in 2012 when we opened up our barbershop. Each year of service, Square has done great things with POS and many useful tools to help our business. Many of the new tools are “FREE”. Square is very simple to use and our customers love it. We also enjoy the fact that you are only charged 2.75% per transaction. No other lame fees like other processing companies.

  • Farzad Hooshmandan

    I have been using Square on and off again as I am used car dealer and use it for down payments and other forms of payments. Last week Saturday, a customer bought an Aston Martin that I had (rebuilt title) for 26k and paid on his AMEX card. I contacted Square and they said it should be fine, and I processed the transaction and it was approved. 3 Days went by still no funds. I call up square and they say I need to send my Bank account statements and proof that I am a dealership and proof of the sale. I explained to them to let me know if there is a problem as I need to reposes the car, they assured me the funds would be in my account at the end of the day. The next morning still no funds and I get an email at 1:53PM saying I can’t make transactions over 10k then at 1:55PM I get another email saying my account is deactivated and I need to issue a refund. They also deactivated my customer code so I can’t even call them to see what happened. The customer called AMEX and they said that they paid square and can’t issue him a refund. Square has my money and they told me to issue a refund which will come out of my account now. THEY STOLE FROM ME AND WON’T CONTACT ME BACK… I have sent many emails and no repsonses I would call but they have the WORST Call support ever and took away my customer code so it just hangs up on me. I guess I have to get my lawyers involved now…

  • Johnny B. Good

    I’ve had a dozen transactions with square that went smoothly but # 13 didn’t which is why I’m giving them the lowest grade available. The justification is that when you have credit card services at a bank the failure rate is 0%. Square the supposed miracle upstart came in at 8% which is very high. It’s for businesses that are so small that the owners can barely afford the rent on a cardboard box. Or some college grad who’s leveraging $500 to get his new business off the ground. It isn’t for people who run a professional business and need to know when they are going to be receiving the money and when they aren’t. The website says one thing but when the rubber meets the road you may be waiting an extra day or two on your money.

  • Chris

    The worst customer service ever anywhere!
    I have been a Square customer for 6 years.
    Had no problems… over the last 4 months Square has allowed $6500.00 of charge backs for services preformed 3 months before. Send everything to challenge the dispute! No customer service whatsoever and then force me to re verify my account then close ot with no explanation holding $2500.00 of my customers money and refuse to release it.

    DO NOT USE SQUARE!!!

    CAN ANYONE HELP AND RECOMMEND A CARD READER COMPANY WITH CUSTOMER SERVICE I’LL SWICH TODAY!!##

    SQUARE IS SCAM

  • hhsc

    I’ve been a customer with square for several years and I never had any chargebacks whatsoever. one weekend I did a blowout sale on my merchandise and sold all of my products at a super low discounted rate. square deactivated my account because I processed to many pre paid cards that weekend.

    • Chris

      I did not know you could take pre-paid cards, what about those visa, MasterCard, etc gift cards that people purchase? Tried to take one and it wouldn’t go through so entered the card numbers and it still would not work.

  • Bob

    I have lost a lot of money because of Square. Their contactless/chip card reader is a piece of junk that will not connect to the app when you need it. I have had customers standing there when the reader would not connect and I lost the sale. It’s junk. Never use Square under any circumstances.

  • Steven Lukens

    Absolutly hands down the worst company I have ever done business with. Opened me up, did my first transaction no problem. Took a 15k order from one of my really good customers then got requests for all sorts of documentation. Customer service, or lack there of says they will take 2-3 days to get back to you. not an option in my business. Square cost me an order and a customer. Beware of Square, they are not what they say they are!

  • Dorothy

    I have been using the Square to process credit cards for a year now and have not had one problem with SQUARE. My customers love it and I like the fact that I don’t have to rent an expensive terminal to process credit cards. It is awesome!!

  • Don Reynolds

    We are a growing company and were deactivated without any recourse today. We tried square last year and found that customer refunds are very slow, and switched back to PayPal. Additionally, it is virtually impossible to contact them by phone or email. Additionally, we have had 2 instances that we were supposed to get a refund on transactions where the money was held for over 120 days… still waiting for the funds to go back into out bank account. I recommend PayPal and Stripe or getting a retail merchant account with Heartland Payment Systems. Square sucks.

    • Barbara Katze

      I accept Square since October 2015 until present in my clothing store. I’m giving them 5 stars. Never had problem, always next day Square transfer money to my bank with weekends exception.
      No extra fees! Love it.

  • Peter McArdle

    I am a consultant in the software industry. I started using Square’s POS transaction service last fall for my business, Xigent Media LLC. Between November 2015 and February 2016, I collected approximately 3000.00 in fees from various clients for jobs that I completed.

    As per Square’s requirements I connected my business checking account at BoA to my Square acct. It was verified by Square in early November, before I did my first transaction with a client using Square.

    Over the following 2.5 months I used Square a dozen times or so. It was not a good model for billing clients. Normally I invoice for hours and they cut a check or direct deposit; my customers were not accustom to paying vendors with credit cards.

    Twice charges were approved by one person and then disputed later by someone else because they didn’t know what the transaction was for. Both times the client’s bank inquired, as well as Square, and both times the dispute was settled in my favor.

    There were a number of times when cards were declined–probably because the project manager was trying to use a company card in his name (that they use for business expenses) and there was no room on the card. Or whatever. I was later paid by check.

    But about 3k did get paid through Square. The money accrued in my Square account and the web site indicated it was it was available pending set up of the automatic deposit, which was nothing more than setting a time to be the end of the business day. Done. Square seemed a little slow but I had no reason to believe that I would have a problem.

    Imagine my surprise this month, in June of 2016, when I get notified by BoA that they are closing one of my Small Business checking accounts because it’s had a negative balance for over 90 days! The negative balance was a result of unpaid monthly bank fees; unpaid because Square never made the deposits. 7 months had gone by since the first charge went through them, and they still were sitting on my money, and they never notified me or said anything.

    When I realized what had happened, I reached out to them and was shocked by the way my inquiry was handled. Their phone number (that you list as a customer service line) is a dead end. A recorded voice tells you to enter your customer code, and if you don’t have one, it hangs up. It does tell you where to get a code, on the Square web site.

    However, the page to which it refers does not contain a code. There is no code, there is not a link or a sub page or anything there to provide a code. Not anywhere on the site. If you don’t believe me, I invite you to call the number on your own web site that you promote for them. Follow the instructions and enter the URL for the page on the Square web site that is supposed to provide the code. You will see that what I am telling you is true.

    Perhaps it’s an error on Square’s part that they direct their customers to a dead end loop that does not provide a way to actually contact them. From the customer’s point of view, I can tell you that this is a bad thing. Imagine if the bank stopped providing a way for account holders to contact them directly. They are a bank. They would lose all their accounts. The FDIC would inquire. It would be a completely unacceptable situation. They would either start answering the phone, or they would go out of business.

    Why then is okay for Square to do it? They apparently are not considered to be a bank from a regulatory POV, so they don’t have to answer to the FDIC (who would be worried about insolvency if a bank stopped answering customers’ calls). And they don’t have to answer to me, the customer. Why? Because they have made it nearly impossible to get through.

    I say nearly because I did eventually get a customer code sent to me by an email, a half a day or so later. And since they were holding my money, I was waiting for it (unlike most customer service complaints where hours or days later, I’ve no time to revisit).

    I talked to 2 different customer service reps who acted surprised that the money was just sitting there, and they seemed to agree that 7 months was a long time and that fixing this should be a priority. The second one, Billy Joe, said that it would be referred to some ‘Resolution Department’ and that it would probably pay over night. The web site said that it would pay by June 15.

    After a couple more days, I called back to follow up and found that my customer code was no longer working. When I logged onto the site, I found that my account was deactivated and there was a message that they were holding my funds for 45 days to allow time to dispute the charges!

    Never mind that they already did this to me 6 months earlier. Never mind that any disputed charges were found in my favor and were paid. Never mind that they then held my money for three or four months longer than the dispute took. Never mind that seven months have gone by and I still have not been paid.

    On top of all of that, I feel sure that I was lied to by the customer service rep, who then fed my ‘request’ into the Dispute Resolution queue, and the ‘department’ to which he referred (which may exist in name only) then rubber-stamped its response, which is to freeze the funds for an additional 45 days while it allows time for the payees to dispute.

    Then they revoked my customer code so I couldn’t even call them back.

    This is intolerable. They have already demonstrated a failure to pay at all, after indicating that all was well and the auto deposit was set up etc. 7 months goes by and apparently they felt that if I wasn’t going to complain, they were going to keep my money.

    How many people do they do this to and get away with it? For me, three thousand dollars is a lot of money. I want my money and I am not going to let up or go away. But at what amount do you write off a disputed transaction that Square has frozen, and not bother to jump through the hurdles they create, in order to get paid?

    I wouldn’t go through this for 50 bucks.

    We all know that 50 here and 50 there….before you know it, Square has found a new profit center! And a motive to treat their customers rather shabbily. But, since they don’t answer calls or talk to customers unless they feel like it, it’s not that big a problem for them.

  • Dave N

    Open account about 1yr ago, it was great most of my swipe was only $20, i do state inspections on autos. About 2 weeks back i do a sale & it said my account was deactivated. I only had 1 $20 sale so i tried to get a code to call well that didnt work. So after about 2 weeks i open a new account, tried a $1.00 test and avery thing going good did one inspection used square seems to work ok. The next day i was going to get a code and call to check on my 1st account BUT i did another inspection thats when i find this new account was deactivated. So they got about $62 in both accounts that they are holding. HOW can they hold money with out telling you & what can you do? I run a STATE INSPCETION
    BUSINESS if i didnt do things right the state would fine me close me down & some have been put in jail for doing things. So i guess SQUARE can take money keep it, You think the attorney general in the state they in would look into Square & find out whats going on.

  • Garo

    I was using the Square and I was happy but I get charge back dispute and Square didn’t help me and takes so much time over 2 month I gave the Fedex tracking number and CUSTUMER email Messages and phone number invoice shipping billing address I give all the information I lost my items and money ! Disputes services A To Z 1 star !!!

  • Don Hartman

    I own a bail bonds agency and was looking for a better option to process credit transactions. Huge mistake. The sign up process is too easy and doesn’t do enough to qualify the merchant. Hey, if you don’t want to deal with bail bonds businesses, then tell me up front. No problem. But don’t lead me down a too-friendly path and then dump me when I have thousands of dollars on the line. That is just so unprofessional. So, I sign up and run a test charge for $1.00 to make sure the account works. No problem. I get an email from Square stating that everything is good and I am ready to run transactions. So, I get a client who wants to put his bail premium on his credit card. Great. I run his card and get approval. I post his $50,000 bond and he is released. I ran the card for $5,015, which is my 10% fee. I now owe my surety $1000 as their fee. Cool. My $5015 should hit my account in a couple days, right? Wrong. Square puts a hold on the funds and asks for my business license, proof of customer interaction and three months of bank statements. No problem. I have all this and deliver it to them via their account validation option on the dashboard. Then, the next day I am informed via email that my account has been deactivated and the $5015 minus $175 fees will be held for 90 days. But get their reason: their fraud team has analized my transaction history and detected a pattern that indicates high risk. I remember from high school math that a single point cannot define a line, much less a trend. Some fraud experts. I am deactivated after my first transaction. Meanwhile, I owe my surety $1000 and my client got out of jail free. Whew. Insert Chevy Chase’s Christmas Vacation rant here.

  • Christina Salon Inc

    We use to have Wells Fargo merchant and process about 15K a month with $545 in fees. With Square is simple and much less, about $410-420 vs. $545. We standing with square. The apps is much easier to use and we can accept payment on the go vs. Our machine stay one spot inside our salon. Square make our business 10x easier!! Thank you so much.

  • Rev Jerry t

    Contracted a property inspection, and a kitchen remodel. Square is holding 3500.00 dollars after deactivating my new account for risky banking practices. Client is angry that I cannot complete contract without payment. Square is the risky banking practice
    Any way to make them release my funds?

  • Jill Lafferty

    Daughter gave sensitive info like birthdate and SS # to start an acct. however, square said they couldn’t confirm and deactivated the act. Problem is she can’t get customer service by phone or email without an acct #! Sketchy and unacceptable! I’d hate to have to try to settle disputes with this company if this is how they treat people! I don’t like that they now have her information as I do not trust them.

    • Mike K.

      The same thing happened to me. No reason or explanation was given. When I persisted by email for an explanation, the response was that none could or would be given and that I should find another service provider. Be glad that you never really got involved with this company. Since these fraudsters have sensitive personal information, it would probably be prudent to sign up with Lifelock.

  • Toots Mumbi

    Total fraud! DO NOT USE THEM! We had been using them but anytime we get payments over $1000, they froze they account . The final straw was they told us they had to do a total customer verification and asked us for all types of personal information. We sent them everything they needed, then they deactivated the account with over $9000 in pending transactions. Then to make it worst you cannot contact anyone there without a pin code to get through, no customer service line at all. Meanwhile or money is stuck in limbo. And there charges are outrages!

  • Roxann

    Horrible Customer Service, can not get a “customer code” if your life depended on it. They hold your money and don’t even try to help. I’ve never seen such a bad way to do business. Jack Dorsey should be very ashamed!!

  • David Esau

    Square shut down my account for “suspicious activity” and will not reopen. Do not waste your time using their services, because they do not have ANY. It use to be great for small businesses because it was basically a no approval process and free reader. I have only used the swiper a couple times and sell nothing high risk or suspicious. My company sells holster cases for runners and some other products like Bluetooth Headphones. They have now turned against their merchants and will not get my business back.

  • Karin Williams

    I have 3 square card readers including 1 chip reader and most of the time they do not work. It takes 7 to 20 tries. I get it to work on 2 out of 10 credit cards. My customers are not happy. The chip reader has never worked at all.

  • KC Reynolds

    I would rank this company a ZERO across all levels of service. They charged my client on May 10 and as of today, the funds have still not been deposited into my account. I have called numerous times to listen to the “10 minute wait time” that is actually “1 hours and 10 minutes” or the “press 1 and you will not loose your spot in the queu” message but receive a call 2 1/2 hours later, only to be in a meeting or driving at that time because of their ridiculous pacific standard time hours. I have had to repeat my story numerous times, I’ve been hung up on, I’ve received over 15 emails going back and forth and still no money. The attachments on their forms don’t work, can’t find a person with any common sense to talk to and the list goes on. My bank tells me that they are getting a lot of new business from small business owners like myself because of Square’s horrible service. Deal with a company far more reputable than these guys. They’re brutal!

  • Z. Dash

    I never heard of this company before last Wednesday, but I already despise them beyond belief.

    Without my ever giving out my e-mail address or ever requesting an online confirmation of any credit card purchase, Square, Inc. confirmed one of my in-person purchases by e-mail. Where they got me e-mail address I have no idea. I certainly never gave it either to Square, Inc., nor to the vendor whose credit charge they confirmed.

    This is highly alarming to me, that Square has my purchase information including my electronic signature, my name, my credit card number, and the amount and name of the vendor (which I had never bought from before).

    To make matters much worse, Square, Inc. takes great care to ensure that no one can reach them by phone. So they obviously do not care about rectifying a situation such as this.

    NEVER USE THIS SLEAZY COMPANY FOR ANYTHING!!!

  • jeff Paris

    I have been accepting payments via Square for 2 years and do about $75K a year with them, no problems… no complaints. Always paid on time every time.

    I also have accepted Square Capital 2 times and again, no problems at all… it has been a life saver actually.

    If you run a legit business and no bull**** then Square is great.

    • Al

      I have a legitimate business for 8 years. So don’t throw that at me. I the most honest person who would never hurt anyone. Definitely not worth being dishonest. Carma is a b. Have you ever read any of the complaints. You’re lucky fellow. Be careful because there definitely up to no good.

  • HOWARD PAUL SHORE

    Square, Inc. Committed Fraud!

    Do Not Use Them!

    Back on Saturday, April 30th, 2016, I used my American Express Credit Card to pay my contractor $20,000.00 for a job that has Not Been Finished!

    The way that I paid for this amount of money was by receiving an Invoice that my contractor sent to ME, however, Square, Inc. is the actual company that Charged My Credit Card and is the Same Company that is Responsible For Transferring My Money To Whoever I Wish To Pay which In My Case Was NEVER DONE!

    I have waited Very Patiently For MY MONEY to be transferred to Mr. Justin Rivas, the Contractor and at least 18 Days Went By and Square, Inc. Deliberately and Purposely REFUSED TO TRANSFER OVER THE MONEY!

    This Unprofessional and Dishonest Company was Illegally Holding My Money In Their Own Internal Account 100% Against My Will And Without My Legal Permission, Consent, Nor Authorization!

    What Square, Inc. Has Committed Was FRAUD!

    I can NOT tell you and reiterate on just How Many Times I Have Contacted The Horrible Square, Inc. No Customer Service Phone Number Of: 1-855-700-6000 to find out Why They Are Not Sending MY MONEY OVER TO MR. JUSTIN RIVAS, THE CONTRACTOR!

    Guess What Their Response Is? Answer: We Can NOT Discuss This Issue With You and Can Only Talk To Mr. Justin Rivas About It!

    My Response: That Does Not Make Any Sense Since It Was Me Who Initiated The $20,000.00 Payment To Begin With and It Was Done With My American Express Credit Card Which Is In My Name, NOT HIS!

    Square, Inc.’s Customer Service Department did absolutely Nothing To Assist Me, Nor Help Me!

    Furthermore, I did speak to Mr. Justin Rivas about it and he also called them many times ONLY to receive a Runaround, Lies and Mind Games stating that he did Not Fill Out The Paperwork Properly, or that he Needs To Resend Some Of The Same Documents Over And Over.

    Even though he did as he was told, Square, Inc. still REFUSED TO SEND THE $20,000.00 DOLLARS OVER TO MR. JUSTIN RIVAS, THE CONTRACTOR!

    I was so Angry and Pissed Off over this Type Of Abuse Coming From Square, Inc. that I tried to call their Customer Service Department back again and Dispute The Money and Have It Go Back To My American Express Credit Card and this is What Their Customer Service Screwed Up Department Told Me!

    Square, Inc. Customer Service’s Response: They told me that they can NOT Dispute The $20,000.00 for ME On My Behalf (Even Though I Am The Payer) and said that I need to contact American Express To Dispute It!

    Well they are also 100% RESPONSIBLE FOR THIS SINCE THEY TOOK MY $20,000.00 ILLEGALLY AND COMMITTED FRAUD BY HOLDING MY MONEY IN ONE OF THEIR INTERNAL ACCOUNTS WITHOUT SENDING IT TO MR. JUSTIN RIVAS AS IT STATES ON MY CREDIT CARD STATEMENT!

    Please NOTE: I have NEVER had an experience like this one before and hopefully NEVER AGAIN!

    Moving Forward: Back On, Monday, May 16th, 2016, I finally decided to Stop Waiting, Hoping and Dreaming for Square, Inc. to Transfer This Money To Mr. Justin, Rivas, The Contractor and instead I called up American Express and Filed A Dispute Against Square, Inc. For FRAUD!

    Please NOTE: I Refuse to Pay For Fraud and Refuse to Pay For Something that I NEVER RECEIVED and Square, Inc. Must Have A Reputation at Doing This To Many Of Their Customers!

    The Problem Is That Many Of Their Ex-Customers Are Afraid To Post Reviews On Their Negative Experiences because they are either Afraid or Scared Of The Outcome, Including Retaliation By The Company Which Rarely Happens, or Just Do Not Have The Time or Maybe They Simply Do Not Care To Let The Public Know On What Happened To Them And Would Rather Just Keep It Private!

    However, I Dare To Be Different and I Am Blowing The Whistle Loud And Clear Against Square, Inc. To Let Them Know That You Can NOT Get Away With This!

    At The Present Time, I Am Still Waiting For This Fraudulent Money Of $20,000.00 That Square, Inc. Stole And Held In Their Internal Company Account To Be Returned Back To American Express Since I Will NOT Pay For FRAUD!

    I am also Making A Very Serious Recommendation To American Express To Cut Their Ties And Business Dealings With Square, Inc. In Order To Prevent This Type Of Fraud From Happening To Their Other Customers Like It Just Happened To ME!

    Enclosed, in the attachments, please find seven (7) pages of communications that I had with Square, Inc., American Express and Mr. Justin Rivas, The Contractor for your reference and further review.

    Final Thoughts: My Advice To Anyone Searching For A Way To Pay Somebody Is First Of All “NOT To Ever Consider Using Square, Inc.”

    Thank you.

    Sincerely yours,

    Howard Paul Shore
    Angry, Unhappy And Pissed Off Ex-Customer Of Square, Inc.

    /HPS
    Enclosures: Please See The Attachments For All Of The Communications That I Have Had With Square, Inc., American Express And Mr. Justin Rivas, The Contractor For Your Reference And Further Review. Thank You.

  • Rick K.

    Square is a joke! Opened an account and sent my very first invoice to my customer, which he promptly paid. Then I get an email from Square stating that my account shows a “pattern of high-risk transactions.” Really? After only ONE invoice!? So they deactivate my account and are currently holding my funds for 60 days. May they rot in Hell.

  • Julia McGrath

    HORRIBLE customer”no service” plan to wait hours before some yo-yo cant help you with a simple fix. THEN they will not connect you with a manager, nor supervisor and then they hang up on you. when the founder makes over 6 million a year, someone better address clients problems with the service they provide. I would never recommend this company! They requested all my information approved a credit card , took their money, then held the deposit for days, THEN told me to refund the customer, yet keep processing credit cards through them. Now they have enough info on me to commit IDENTITY FRAUD. WTF?

  • virginia Kaczmarek

    I was just informed by a client that his credit card had been charged twice for the same amount that appears on an invoice. This prompted me to ACTUALLY look at my Square account and I an SHOCKED to find they are holding over $25,000.00 in “Pending Deposits” since the 30th 0f March and it is nor May 25th. I have tried every number I could find on various forums and all I get is a recorded message telling me I need a CODE to talk to a human. I enter all the crap on thier help page to request a code but I never get it. Only an email with a case number which is NOT the code. How am I supposed to pay my vendors, if I can’t collect funds that were payment for product I purchased!!!! This A HUGE SCAM> NO idea how Square could stay in business. I just wish I knew WHO to CALL. I need to get this resolved. ASAP

  • Charles Sabourin

    DON”T EVER USE SQUARE – USE ANY OTHER SERVICE OUT THERE BUT THEM. THEY ARE A RIP OFF. Been in Business 21 years and now that I need to use them because Comcast hasn’t transferred by services yet to use my regular card reader. Square has been holding my money for 23 days and because I’m complaining – Can’t reach any customer service person on the phone – they have deactivated my account and are holding my funds for 90days!!!! BEWARE!!!!!

  • Eduardo

    I’ve been using square for over a month and have done three transactions so far and my third transaction has not gone through it’s been almost a week I’m still waiting for my money Square is still holding my money I don’t know what’s wrong with square but they keep telling me that they are handling it but I still don’t see my money at all or no email

  • Donald

    Bad experience with Square. Would say I will never use them again, but had a bad experience with Pay Pal some years back and haven’t used them in over eight years. As someone stated, your first transaction goes through fine. I am billing a customer each week and I did not find out my second transaction did not go through until I checked my account and the funds weren’t there. No communication to say as much. When you call the customer service number they require a code, which if you don’t have you can’t get through. They wanted all of this documentation. Fortunately, I had it because I am a business. But what if I didn’t have a business? Awful customer service. Square should be further regulated by the feds and should not be allowed to be in business when dealing with people’s money and you can’t get through to speak with someone.

  • Brian

    What a horrible organization! Held my funds, demanded invoices, business description, method of marketing, shipping methods, etc. Then told me they would not support my business. I held a square account for a few years, and they pull this crap. Never again.

    • Marci

      My customer cleared funds of $1992.00 being held no less than 150 days. This means they use my money for at least 5 months and who knows because heard of stories where it’s been years and people haven’t gotten their money. I saw their stock is way down so maybe this is how they stay afloat by using our money. I can’t find anything to do about it. Told my friends that I talked into using Square and they tried closing their accounts but evidently you cant close. They say just don’t use the account. Small business rely on funds turning over to keep going. They are getting away with theft here.

      • Marci

        Update: I had gotten an email from them to try for 30 days Square Marketing and then 2 days later I realized my funds hadn’t deposited. I logged into my computer app because nothing showed on the smart phone app to discover they wanted information about website, advertising, invoice, business license so I figured just a way to get data to get me to use Square Marketing. I didn’t want to be forced into that product so I refused in several emails my account ended up closed with note that I would receive my money no sooner than 150days. I talked to my lawyer and she wanted to see the user agreement so I reread it and realized what a fool I was to ever let them have access to my money based on what was in the agreement. I can’t believe I used to love them and got friends signed up with them. I sort of remember reading these things thinking it would only happen to people doing fraud. That wasn’t me. Well it happened to me. I was cut off no response to emails. Couldn’t make the uploads work. I just wanted to meet with someone and say I’m real and legit and here is my proof but you can’t. They are basically in lock down funneled through a small opening in a lobby with badge reader access only. I ended up emailing data since I couldn’t upload and I did get my account reactivated but I don’t trust them based on user agreement that is completely biased in their favor. I guess a business does what a business needs to do but I can’t see them staying viable long with those type of business practices because word does get out!Especially as the numbers grow. My friends that trusted me to join now trust me to leave them. I think verifying a business could be done in a much better way. I’m back to my tried and true bank of many years. Why did I ever stray. It’s worth the monthly fee for peace of mind that my money will be there. I still can’t believe this happened to me. You will feel the same when its you. In business I save every thing all the receipts, emails everything so I looked back through all the email to see if there was a email notice of issue with my funds and nothing. Only find out by seeing no funds deposited. I have so many more things to say how this could have been done better but I’m done wasting my time. Good luck everyone getting your funds.

  • Harper Anderson

    After approving a sale of $400 plus tax at a trade show took back the money and said it was fraud. This is b.s. What do we pay for? They approved the sale and then 4 weeks later say that American Express decided to take the money back because their client “claimed they didn’t make the purchase. I am going back to cash or checks and will tell every merchant I come in contact with how I was treated. I am recommending they don’t accept American Express and change from Square to someone else. I see hundreds of merchants and until they refund the money they stole from me I will not stop,

    • David Dutton

      They did something very very similar to me. Twice I got a fraud alert saying a client claimed that They never authorized the charge(s) on their card

      I’m a massage therapist so I know the contact info of all of my clients and I called both of these clients and they were absolutely clueless

      It turns out that in both cases when my clients paid me and left a tip it put their credits into an over limit because of the way square allows charges to happen – it does not work like PayPal

      SQ works like a gasoline station or a restaurant…If you charge somebody $50 and they leave you a $60 tip… All thats authorized to card is $50 TEMPORARY charge.. Which actually allows for the final charge to be different to allow for tipping or like a gas station where it pings your card credit card for a dollar and then when the transaction post it post for the actual amount

      So in my case, one of my clients had about $60 on your credit card so the $50.00hour session fee was authorized, and win the entire transaction posted it build a card 110$… Normally a card going over limit is perfectly OK and that is his issue between the cardholder and the credit card companies… But went to credit card companies did is they sent of false claim of fraud to square saying the customer complaint when the customer never dead

      I disputed this with Square and explain the situation and even put Square in contact with my clients who said that these were authorized and that is their credit card company that was causing the problem.

      I went back-and-forth and back-and-forth with square for five months over this issue – and in the end they said the credit cards company’s decision stood and they could not do anything about it….and since the credit card company was doing something they weren’t supposed to be doing – square should’ve told them where to go stick it

      So before I knew it squared took the money out of my checking account which did not have enough in it and it bounced, and square did this every day for 10 days and I racked up $350 in overdraft fees

      And then square permanently disabled my account, and they are still after that money and tried sending me to collections. So I got fed up with them and took them to small claims court and I won and a judge ordered them to give me my money back

      This is one screwed up company and I advise people to be very cautious – do not use the tip feature or you will get into trouble. If you want somebody to tip you or you take tips make sure the tip is included in the actual service charge – that way if a person does not have the proper amount on their car the transaction will not go through … But I under stand what most people and merchants out there do in a situation when it doesn’t go through – the customer will usually asked the merchant to just run the service charge through which gets excepted by Square, and then they tell the merchant to go ahead and add the tip which is excepted and it puts the cart over limit – most credit card companies don’t care but there some pretty bad ones out there

      Reason why I recommend PayPal now versus Square is when you enter your service charge plus a tip into PayPal, PayPal all the rice is it as one total charge that’s not a temporary authorization … This way your transaction either goes through or doesn’t and you do not have to worry about credit card companies causing problems because square claims that they will come to your defense and even paid if square decide you were in the right… But in reality that never happens and there’s a little teeny tiny clause in our user agreement that says no matter what the credit card company decides is what Square will do

  • Beth McGonigal

    After a payment dispute by a disgruntled customer, square debited my bank account for the entire amount disputed. Because I didn’t not have the opportunity to gather necessary paperwork in time (Less than a week) square didn’t stand by me. I’ll be looking for another processor ASAP.

  • Chris Bogle

    Opened the account and got a $433 debit on my account right after opening. No help with them at any number. Filing fraud suit with California Attorney General. Absulute trash of a company!

  • Donna

    Walk, don’t run as fast as you can away from this company. Not sure how they stay in business. Basically I finally found a live person to talk to and they said, we really don’t care about you or your business. They would rather walk away from a $700 profit to them on a $20,000 transaction than to deposit the money to my account as they should. I have been working with them for a couple of years without any problems. Obviously things have changed there. BYW…..There are other professional businesses out there that do the same thing for half the fee. I believed long term relationships were important. Square doesn’t feel the same. Horrible, HORIBLE customer service is what you can expect in 2016.

  • Mark Pinckert

    Well your first transaction goes as smooth as butter very exciting but then comes the second they wait until you do your second transaction and then tell you you cannot have the funds until you give them all your documents and invoices proofs of purchases. For a small business that in some counties does not require a business license or a federal employee number makes it impossible to receive your funds and then when you reach out to try and get help there is nobody for you to ask. You can email but no response you can call a phone number but you have to have a code which you can get I am currently out $1,600 because I can’t get in touch with anybody I will never use this again. Keeping in mind that I may be due to transactions a month because I do it in my spare time makes losing $1,600 a big deal

  • Kim Slaughter

    I would strongly advise against using a Square!!!!! Our business had an account set up, and successfully used it 2 times, then the third time was a $5208.00 sale and funds were never deposited into our business account. My husband made several attempts and spent many hours trying to get someone to help with this, but he was told through email only that a live person was not an option!!!! We are not tech savy people and would have never entered into this agreement knowing there was no way to receive help with such an important issue. We are currently seeking the help of an attorney to straighten this out.

    • Christina Knight, ploutos oil, llc

      We are in the same boat, out first transaction was 5k, no problem, several days later 10k. It’s was never deposited to our account. I called and they said I had to add more info such as 3 recent bank statements, government issued papers, invoice reciept, we sent all that they asked for, later that day I checked and said account deactivated. We were confused so I called and the idiot on the phone said the code number was wrong, and my account showed only 1.00. I have no idea what they have done with our 10k but I finally called back and talk to Jordan and he said he could see my money and it saus pending deposit but he couldn’t transfer me to the risk department that is handling this. They will call. He said worse case scenario it could take 90 days for them to send me a check. I’m advising my customer to file fraud claims with them because I can’t release his product to him until I have his funds. Once this is over I will NEVER us or NEVER refer square to anyone. My company handles over 500K a year and they could have made alot just off my fees. I have no idea why they would do this to a legit business. The longer they hold our funds the more interest they are collecting of our funds they are holding.

  • Johnna West

    I MUST AGREE WITH OTHERS HERE AND SAY PLEASE DO NOT USE SQUARE!!!!! They recently sent my account three requests for verification for my company and subsequently a recent charge we had run. Each time I promptly replied with the requested documents, yet today I received an email that my account had been deactivated with no explanation as to why and their customer service has been utterly non-existent, conveniently (not to mention they’re now holding my account balance for the next 90 days which has been a substantially higher, even detrimental, balance for others who have expierienced this). I understand holding questionable funds for 90 days is standard, but what I don’t understand is how this is justifiable given that I gave them all the documentation they requested and, from their own policy page, what I provided should have been more than sufficent to verify the legitimacy of the account and charges. I would strongly urge anyone attracted to Square’s low rates to read this article before signing up for thier services, or just google Square to see how common this corrupt process is and how unprofessional this company operates. https://www.npr.org/sections/alltechconsidered/2015/11/20/456635063/square-goes-public-and-fields-a-flood-of-customer-complaints

    • Damita Hill

      The same thing has happened to me. I was done the same way. However, my funds were to be released for deposit on 5/17/16 into my bank account and I am still waiting. My account was deactivated after I sent in requested documentation showing the ligitamacy of my bisiness.

    • Mosharraf Khalid

      My account was deactivated today, After I gave them all the information they requested, Bank statements, invoices. Makes no sense, We are a non-profit charity organization and they are holding $4100.00 for the past one month and no communication from their side. This is all donation money.

  • Matt Knudsvig

    I’m a small roofing contractor who just recently started accepting credit cards, what I didn’t know is that after several transactions, they decided they needed more info from me and held a large amount of funds from the customer to me without warning, send me an email the next day noting my account was inactive, I would have to spend two days gathering information, emailing back and fourth, 2 30 minute waits to speak to an idiot that couldn’t help me! After a week of waiting o relieved an email stating the funds would the deposit in 1-2 bus days? I still have not seen the deposit? I will never use them again ever!

  • Janet Hartsfield

    DO NOT USE SQAURE. I made a transfer from my checking account using square cash. It was for 1000 dollars. They made the deposit into the account I sent it to. Then they turned around and took it back out of the account I sent it to for no apparent reason. Then they turned around a few days later and took another 1000 out of the account I had sent it to. 2000 dollars just vanished. We have been trying to get resolution for over 14 days. The main problem… there is not phone support for square cash so everything is done thru email – only email. They respond 1 time a day only with a cookie cutter answer – I sent them a copy of what the bank gave me that shows the deposit and the withdrawals but they still have done NOTHING to resolve the issue. DO NOT USE Square services unless you want to give away free monies. There are so many dissatisfied customers. Never been so frustrated. Some people have wrote that they have been trying to get issues resolved for over 6 months and the only way to communicate is thru email so they just keep waiting. Sad situation. Sad service!

    • Bob

      GET YOUR BANK INVOLVED. Dispute it. Do not let these losers play with your c v v number and take what doesn’t belong to them. they will not give you your money back, get your bank involved. Square is a fraud. It’s imperative to me that Apple and other retailers need to get Square readers out of their stores. Innocent people don’t deserve to go through this and have to pay them for it.

  • Ann Davis

    Worst company ever. Do not use this company unless you want zero customer service, no access to a human, just emails and they take days to respond. They will freeze your money for no reason, ‘deactivate your account’ and offer no resolutions. They SUCK.

  • Vickaro Global

    Square Is the worst merchant credit card company ever. After using them for five years just a few days ago I had a Platinum wedding package and charged the client $7644 which she paid with her credit card, the following day I got an email from square stating my funds were on hold and that they cant deposit it in my account until further verification. So they requested Invoices, Bank statements, business license, tax id and a few more things. I supplied them with all this info but blacked out anything on my bank statements that was nothing of there business which were Balances deposits, withdrawals. The following morning they sent an email stating they the transactions of the bank if not for me to do a return of the money to my client. My financial information is none of there business dont know why i changed over from Bank of America merchant to Square. I guess some things are to god to be true.

  • Jim Sanders

    Stay away. They have a verification process that does not work. Their objective is to keep money as long as possible, They cost me a huge sale due to this process. You have been warned.

  • Rebecca King

    Square deactivated my account recently without giving a reason other than claiming that I violated a section of the Seller’s Agreement. However, while Section 17 of said agreement allows Square to hold funds, it does not give a time period for such holds. Square is holding over $2500 usd from April to July. There is no way to contact them by phone and when I was able to contact them they were not willing to discuss the reason(s) for the deactivation of my account. Is this something that the Federal Trade Commission can handle?

  • Marc Dobiecki

    I have been an active Square merchant for more than one year with no issues. That is – until recently!
    My account was placed in a “Review Status” after I completed a 26K single CC transaction. Square requested that I submit various financial data on two occasions this past week. I complied on the dates of the request. I have received NO follow-up emails or any communication from Square. I have sent ten emails to Square (non)Support of which not one has been answered. This is bordering on criminal.

  • Pam

    Another comment To add to the pile of negative comments about square. I had the register and used it on my iPad. Worked OK for 2 years.then my square account was hacked. Only that account, nothing else on my computer. The customer service was just awful. Ridiculous answers to e-mails, like they were not even read, many, many phone calls, no one able to help, waited on hold for hours, dropped calls and rude people. This company is not worth the trouble and wasted time.

  • Herman Polen Sr.

    I am very unhappy with your service, you accepted the cards money and deducted your amount but never sent mine to my approved account.
    This is 2 weeks ago. You are holding on to my funds of $501.00, I have sent 3 faxes and tried the verification on the webpage 4 times, it will not take my documents by your website. I was never given a customer code when I got on your phone iy just shut me off. please take care of this right away. I just sent in my 3rd fax my number [REDACTED – personal contact information] Herman Polen Sr. Helping Hands Security Services

  • Karen Payne

    This was the worst decision we ever made choosing square… I wanted to switch to another company months ago and decided to give square a 2nd chance and now our funds are being held and our account has been deactivated!! Of course there is no live person to speak with! I will tell everyone I meet to NEVER choose the Square!!!! This has been a nightmare

  • jesse Taylor

    Account was closed because I was doing business as usual don’t understand them They held funds for 5 days then sent an email to refund your customer’s…
    Not a happy client and will not recommend them to anyone I come across in the future… In fact I’m going to have my friends and family who use them switch to a different mechant system.. Because of the lack of communication from them..

  • Tiffany Clark

    We signed up with Square in late March of this year to be able to provide the convenience of accepting credit cards at our outdoor festivals. At the time of account generation, no verification was requested by Square other than what we registered. This was this way for 3 weeks as we invoiced vendors for booth fees and accepted a small number of payments. We used Square registers at our event bars to accept “card in hand” transactions for bar beverages over a 3 day period. Immediately following this Square asked us to jump through hoops for 3 weeks verifying our company (25 years old), our business (did and sent copies of invoices, noted that our use was for vending fees an bar transactions, copies of our bank statements (with Bank of America for over 20 years had it all lined out well) and then deactivated our account this week noting “high risk” business and is holding our $11,900 in funds that we require to pay event staff this weekend. As everyone else here noted, cannot reach them. Deactivated without warning, then say they can’t speak with us because we are deactivated. I think it’s time for a Class Action Lawsuit after reviewing the comments here. It is corrupt and fraudulent behavior. They are holding other businesses funds, making interest off of them, I’m sure using the cash and not holding it in trust accounts until they release it. Given the increase in complaints year over year noted here, it is a big red flag that they are getting more comfortable with this practice and are not being checked.

  • Vanessa Jackson

    Square took payment from my client then immediately deactivated my account without paying me the funds. They will not answer customer service phone calls if you don’t have a customer number (which one doesn’t have if their account is deactivated), so they have essentially stolen money from me and my client. They only send form emails in response to online customer support attempts.

    This is an unethical company with horrible practices and I would strongly advise against using them.

    • Andrew

      Not Squared …But SCREWED By Square….

      Hi,
      I verified my bank account on 4-26-2016 and made several $1.00 test charges to check my business’s invoice and receipt content was correct. I then sent an invoice to client which they subsequently paid via CC to my square account for $2,871.45. Square asked for additional verification which I supplied. I was then sent an email with a customer code which I tried to get support with to no avail it said my account was deactivated? I had the account for 5 DAYS and they deactivated it and now I have to wait 90 DAYS to get paid and I already paid my vendors…I’M Screwed…!
      The question I have will the funds I received from my customer ($2,871.45) be deposited into my verified Chase bank account in 90 days as stated in the deactivation email I received?

  • EJ

    How come none can get a human being over the phone anymore?? Why square is making difficult to talk with them? we are the customers! I don’t think that is right. You sign into your account and Square still not realizing your code or MID (member ID) WHY??

  • Monique Jones

    Square has a non-existent customer service approach. If you are a small business do not use this as your third party payment method. You’ve been warned!. Square held funds in excess of $3500 for days. Not unti threatening legal action, posted bad review om FB and finally called their Sales Dept did I get a response. Is anyone surprised I could get a human in Sales but not in Customer Service? If you are, here’s why. Sales make money, but Customer Service probably means complaint. Square doesn’t care about paying customers only acquiring more paying customers. I’m all for technology, but when you only rely on it customers pay the price. Square, do better…be better or I can assure you, your lack of customer service will put you back at square onw.

  • Jade Marini

    I am not happy at all with square and would not recommend it to ANY business owner! I have been robbed of $6,000 on Friday and could not get anyone on the phone until Monday! I called the customer service number and we hung up on because I didn’t have my customer code!! Not for nothing but as a small business owner trying to compete with cooperation a I would like to be on an equal playing ground with customer service care!!! I wou never recommend this to anyone and suggest all small business owners to find another company for credit card transactions

  • Daniel Betts

    Terrible. My law firm has been using them for a few months, and while they do provide a useful service when it works, their FAQ is woefully uninformative, and in many circumstances is directly unhelpful, referring the user to supposed features that neither exist on the website or the app. I’ve spent over an hour today trying to figure out how to refund a payment that was made yesterday and has not been processed. No luck whatsoever, no possibility of speaking with someone or even chatting with a bot (which at this point I would take). The client is furious, and I will have to find an alternate means of refunding the fee. I will be terminating my relationship with SquareCash as soon as I can extract myself from this morass. STRONGLY DO NOT RECOMMEND.

    • Ryan

      This company sucks, STAY AWAY!

      We are a medical clinic and our 3rd day using their merchant processing application we charged a little over 5K in sales. The next day we received an email that they froze our account and will be holding on to our deposits until they “review” our transactions. They were asking for our medical licenses , detailed descriptions of our patients information and treatments. Long story short our attorney is going after them as they are with-holding payment for no justified reason and trying to acquire HIPPA protected patient information that has absolutely nothing to do with credit card processing.

      This company is a bunch of scam artists. Go with a different processor, one that actually has a live human on the phone to discuss any issues that my present themselves with processing. Square Down is what it should be called. Stupid company.

  • Gordon

    Extremely frustrating experience with Square Inc. I’ve never had such a difficult time trying speak to a company rep or agent in my life. And for the type of service that Square provides for people and businesses, that is just inexcusable and ridiculous. None of my funds have been released, since my first customer charge 30 days ago! And currently those charges totals over $3k. And now, after countless back and forth useless & auto-generated emails, 1 actual phone conversation (with a useless agent at that), they decided to deactivate my account…..and hold my funds for possibly 90 days!?! Absolutely absurd!
    SQUARE INC is a sorry, shameful, and faceless company. Any company that tries this hard to avoid their customers SHOULD and WILL be terminated eventually. On a positive note, i’ve realized there are many companies providing everything Square can offer but with far greater service and respectability. I selected PaymentDepot because they are locally based and I spoke directly with a helpful representative. Wish I had done my research from the start, I would have seen that all my issues I had with Square was a very common occurrence. Shame on you Square Inc., shame.

  • Amanda Kalidy

    Square deactivated our account even while providing tracking confirmation for every customer, and has now held our money for over 1 month. I’ve emailed several times and they won’t speak to me because our account is not current. I am so frusterated, and i feel so helpless as i do not know what to do about this!!!!

  • Melinda Middlebrooks, Esq.

    Our Law Firm had been using Square for several years then suddenly, without notice, we received a notice of immediate termination because we handle bankruptcy matters, including creditor representation. Square has apparently determined that bankruptcy representation, even of creditors, should be classified together with “escort services” and the like. We are pleased with our replacement company, which has much services and more competitive rates, however, the manner in which our firm was handled was highly unprofessional and inappropriate. I will be certain to advise all of our colleagues NOT to use Square and will be selling my stock interest in the IPO asap. Highly disappointed with Square.

  • Heather

    I run a service business and have recently deactivated my Square account because I have found a much better company with lower rates.
    Today I received an email from Square about a client requesting a refund. The problem is, I stopped using Square more than a month ago. This client has enjoyed the services I provided and now is wanting money back. I would like to know who was not satisfied and what the true problem was. Square emailed me from an email I cannot reply to and the customer support number will not put me through to a representative because I deactivated my account. Lesson learned, Square doesn’t protect the business that have invested in their services. And because of this, I will spread the word to other business owners to never trust Square.

    • Anti Square

      Heather, before you start hating your clients know that they take money from people like you and me then blame our clients for chargebacks they did not dispute.

      They did this to me nearly 1 year after a friend and associate reimbursed me on Square. Turns out, he doesn’t have a SquAre account anymore and neither do I. Banks allow about 60 days for chargebacks, some processors up to 120. Square went ahead and extracted over $500 363 days later after funds cleared.

      While I am fully aware customer service can lead to chargebacks Square not only tries to break small business owners but destroy their rapport with their clients as well.

      And yes you bet I confronted my customer about the year later chargeback, and he was stunned. He felt so bad about it that he reached out to square telling them he did not dispute charges on me. And they responded with a copy paste email that had absolutely nothing to do with the matter.

      Dispute the chargeback with your bank and get a new debit card. They cannot debit money without your numbers and c v v. Report them
      Now and get a new card!!!!! ASAP

      • Maureen Tanner

        why was my account dectivated i used it yesterday and the sale seemed to go thru but then it didnt show up today. I needed the transaction for a plumber who put ina hot water tank, 1000.00 the money is available but it has been deactivated WHY

  • barry wallace

    Well I am no longer an active square customer we have had our money held by square since 2014 two years the money being held is only 2,100 dollars so that amount is not high enough too get a lawyer so I suspect they think they just ignore our company send over 100 emails and no response
    our company is called wallace consulting

  • Damien Hammond

    Square DOES NOT do what they say.
    I own a small handyman/ construction company. I just started with a new client. I have done 4 charges with him $15,000.
    It has been over a week and square still has my $$. I tried calling!! You need a customer code. Filled out form for code! NO code my account is under review 2-4 days and they’ll get back to me. We had to stop work. My bank account is overdrawn and I can’t pay my employees or my bills either.
    use ANYONE else DO NOT use Square

    • George Satoa

      UNBELIEVABLE!!! This is happening to me too. We have over 40,000 that is on hold cause we need to verified documents from our bank statements accounts, contracts from our clients and other documents. I now have to call my costumers to cancel all transaction made from us. All bills have to be on hold, can’t pay my employees for the jobs we just finish, my bank is running negative wtf! I am pissed! I will have to now fly down to San Francisco and kick some asses the old school way. CONSUMERS BEWARE! RED FLAG, RED FLAG, RED FLAG!

  • Thiago

    On April 11, 2016 I reached out to square in order to get some advice about a transaction i was about to process using their services. I asked if it would be suitable to sell a vehicle in the amount of $4,000.00 USD as long as i had all paper work, including bill of sale, and title transfer signed by both the seller and buyer.

    Square assured me that there would not be a problem. That same day i sold the vehicle and processed the payment of $4,000.00 via an American Express card and everything was approved.

    While the buyer of the truck was still in premises i called square to follow up and make sure no further steps needed to be taken in order for the money to be transferred into my account, which i was told i did not and by the next evening the money would be in my bank account. So away the buyer drover with the truck.

    Later that evening, around 9:00 PM EST, i received and email from square stating that they needed further verification from my end. Which included my last 3 bank statements, a government ID, BIll of Sale, and any extra paperwork that was signed by the buyer, which i had every single one of those papers under my possession and quickly emailed them over Tuesday April 12th, 2016.

    On Wednesday, April 13th 2016, i get an email from square alerting me that they would not be able to process the transaction and i would need to issue the buyer a refund.

    Called into Square, and for the second time was transferred to a CSR by the name of Zayn, which has to easily the one of the most disrespectful and unpleasant people to speak with, seems like his job is to be short and not have any questions from the merchant end answered.

    At the moment the vehicle is being driven by the Buyer, the payment has been cancelled, and as told by Zayn, i need to have the buyer pay with Cash, which obviously would of have been my go to choice if the funds were available by the buyer.

    This has to be one of the worst experiences i have ever had dealing with a CSR by the name of Zayn, and the Square company overall.

    • John R

      Simple stuff here – it is a very, very high risk credit card transaction. The buyer has up to 90 days for most banks to dispute the transaction. So if anything at all went wrong with that car, all he had to do it call his credit card company and claim misrepresentation on your end. The credit card company claws the funds back from Square and if Square can’t claw it back from you, they eat $4,000. Bottom line is you only accept a cashiers check when you sell something like a car. If they can’t give you a cashiers check, run away very fast from the transaction. If the buyer says he “has” to use his credit card, I’d tell him to get a cash advance and bring me a cashiers check.

      As for Square? The CSRs have no idea which transactions will get flagged by their underwriters, so calling them before a transaction doesn’t mean anything. And for what it’s worth, I can’t imagine a single payment processor who wouldn’t flag that type of transaction.

  • Judy Williams

    I received a package in the mail, I have not opened it. I can not get ahold of this company to send it back . They are taking $1.00 out of my bank account each month. I have a product that I am using SO now I am being charged for an item I do not want and did not order. I need to know how to connect by phone to SQUARE.

  • Sandra Landau, Ph.D.

    Have had Square for more than one year. It just stopped working when I attempted to manually enter a card number. There is no support. Both the telephone number and web site are a joke only this is not funny. You cannot speak to anyone without a customer code obtained from the web site, but you cannot navigate the site to obtain the code.

    • K Mac

      I totally agree. Not only can you not navigate their site to get that mysterious code to be able to get through on their customer service line, once they deactivate your account for no reason, you can’t even log in and ask ‘the community’ a question. I would love to warn every small business owner I know to avoid Square completely. Now what to do with all the components of the lovely Square Register. Cha ching.

  • Halim

    This is the worst company out there, I don’t know how they are still operating. I will do everything in my power to share how a horrible company they are. I have been waiting for weeks to get W2 for employees and Taxes are due in just two weeks! I have been e-mailing them everyday hoping to get a response from them and nothing so far.

  • Anny

    I used Square Reader sporadically for insurance copays recently I realized that my last two transactions were not credited to my account. I called Square, not able to get through, e-mailed and was given a customer number. It turns out that since November 2015, my account has not received any of the transactions I processed and someone charged a TV to my account. The name, the phone number and the receiving bank was changed in my account. I did not received any e-mail from Square notifying of any changes to my account. Now it has taken several phone call and emails to try to decipher the problem. The account was hacked. Now Square says they will reimburse the money but not the fees. Just one day ofter I spoke to them about the account being compromised and they assured me they would put a hold to the account, I received another email with another charge that was going to take place. The crazy thing is that now I cannot deactivate the account because the last fraudulent charge (400.00+) is still pending and they would not release the account until that goes through. So they want me to allow the bank to process a fraudulent transaction and place my account in jeopardy of being hacked again, so that then, they can close the account. I called my bank and put a stop to any transaction coming from Square. I cannot get anyone on the phone and they’re not answering my emails. I will file a formal compliant with the BBB in California.

  • Randy

    I WOULD NOT process with square. You are guilty until proven innocent and then when American express tells square that the dispute was reversed in your favor square will take four months to return your money. You can’t call any one and talk to them about any issues. You have to do the work for them. They lie about defending you and sending in documentation. I had to send everything in myself and took care of everything in 1 day verses the four months square wanted to take. What a JOKE. DO NOT process with Square.

  • J M

    Took over $2000 from me and refuse to disclose why they’ve closed my account. No way to call them, no way to dispute their claim of “suspicious activity” (this was my first time using the service, which is apparently a problem.)

    They’ve stolen money from me and unless it is returned within 30 days I’m pressing charges. Horrible company, do NOT use Square!

    • K Mac

      I had the exact same thing happen to me. Brand new account, had already used for four days when I got the ‘account has been closed permanently’ for ‘suspicious activity’.

      The email claims they will hold my funds for 90 days, then release them.

      I tried to call customer service, which does NOT exist. I could NOT get the ‘customer code’ from their website either. And they have never responded to my emails. Basically, you are suddenly cancelled with no explanation whatsoever.

      I would just like to warn others, because when you are standing at your ‘Square Register’ with your customer’s card in hand waiting to check out, it’s a really bad feeling to see that your account has been ‘permanently closed’ without any details. What a MESS.

      • Frustrated

        I’m curious also. Did you? I turned in tons of paperwork proof and still waiting on my money. Wondering if they are needing all of our funds to stay afloat because this is a lot of complaints! Especially when I saw the one they did to a law firm. If they can hold their money, we are all screwed.

  • Ben murphy

    Square is stealing money from small businesses. I applied to there web site. They gave what looks like an approval. Then they sent solicitations for me to start processing credit cards. I allowed my client to pay me with a credit card $1100 dollars. Square approved the transaction and removed the money from his card account. Then kept it! They said we need more information to approve you. Then declined my application sending me a n email saying that the money would be held for 90 days!
    If I refund my customer it will take him sixty days to get it back!
    This is called floating they are stealing small hard working people’s money and keeping it for literally months while they use for whatever.
    They are a bunch of stealing SOB’s I am interested in any class action suit.
    This really hurts me and takes food from my table!

  • Nan Green

    I have been trying for over a week to get in touch with customer service in regards to a transaction whose funds never made it to my account. Unless you have a customer code, you might as well forget it. There are a lot of directions as in click here for your customer code, but noting leads you to the code. I believe that this company does not want you to call them, nor do they want to help you. I’ve emailed them for several days in a row, only to receive a canned reply. No one ever calls you back or reply’s to your message.
    The worst service ever!! I’m going to have to go with a better service. In fact, any service would be better then the service I’ve received from Square.

  • pamela

    Horrible Customer Service, in a world where Customer Service counts. There are too many companies that pride themselves with great customer service practices, that we don’t have to put up with companies that really don’t value your business.

    We’ve been with Square for two years, and in trying to find an answer as to why it takes a week for our customers to receive a refund the rep. tried to make up some random answer. When my husband replied, “so apparently you don’t know, please give me a supervisor.” The rep. responded he didn’t have one. So maybe my husband was talking to the founder himself. So when my husband said we would be moving our business elsewhere, and he could pass that on to his non-existent supervisor. He said ok.

  • Tom Mills

    Square is a complete scam. I keep getting emails about $1,000 plus deposits that can’t go through and I don’t even have an account with these pathetic human beings.

    And there is no way for me to stop these emails, as none of them are legit and wiped out after they are sent.

    DO NOT DO BUSINESS WITH THIS COMPANY!

  • Michael

    Square has the worst customer service ever, these guys have proven to be crooks,
    They are holding my funds for 90 days for no reason. $4190.00 of my hard earned money and for no reason,
    My client confirms that the money has been deducted from her account, so why is square squatting on my money?
    They sent me an email saying my account had been permanently suspended so I can no longer call them either LOL
    Gangsters without any remorse

  • Doug Marshall

    I applied and was originally told my bank account had been approved but when the reader did not show up I tried to contact Square customer service WHAT A DISASTER that is. No phone support for people who are not existing customers, you have to use email. Basically I was told FU by square for some unknown reason and when I repeatedly asked why Square never returned an email. I have never bounced a check, gone bankrupt or had anything that would exclude me from any other CC processor or financial institution.

  • Michael

    Square.com is a real pain in the rear for the vendor, I am a contractor and when I receive progress payments from customers they are usually at least $4k. I will process a payment on Thursday at 2pm for example and I should expect my money to hit the account by the next business day right? Well no guess again, you see they have tied up my funds multiple times for one reason or another, making me jump through hoops and whatnot, in the mean time they comfortably sit on the interest earned by my funds releasing them from Thursday till Tuesday

  • James Glucksman

    I joined Square in late November 2015. Until March 28, 2016 at 11;53 a.m. I was singing their praises. I once contacted hone support and got a call back within an hour or two. At 11:54 a.m. I was abruptly terminated under “Section 6” of the agreement, which relates to “high risk” activities. The only category that seemed to fit was “bankruptcy law.” I practice in bankruptcy courts but not representing debtors. In short, it is no different than representing people on speeding tickets.

    I was unable to contact them by phone and two requests for communication via their customer assistance site has led to a black hole. I would be happy to resume using them and if they actually new my business I’d make money for them. This has put me out of business until I replace their services.

  • Vlad

    Square is a “bad hell “company. We are lucky to flee from Square because we got bad guts when we were curious surfing the website. Oh, my gosh! Square does not have a real rep and does not communicate with anyone by phone. Even they do not communicate and do not respond to inquiries. It is SCAM. We emailed a basic inquire to Square 3 times and never heard back from Square. At worst of all, we requested the Square sales office to call us for opening account because there is loop to run. The sales reps did not contact us anyway. It is 100% SCAM!

  • Jessica Landeros

    DO NOT RECOMMEND! We read the reviews a lot before purchasing and unfortunately we still did it. I regret it!

    We have been back and forth with customer service and the dispute team and it has not be helpful. Our company is suffering because of the Square’s lack of communication and actions. It took about 4 days to be contacted by the Square after seeing a withdraw of $5,745.66 on our account from the Square. You cannot get a hold of customer service without a code and I could not find my code anywhere. I called several times a day and emailed at least 5 times and was still not contacted by anyone.

    We are a small family owned business who had a stubborn customer who made a dispute, but it did not take long for them to realize they were wrong and cancel the dispute. They made our account negative a few times and tried multiple times to take out the money. The dispute was canceled by our customer and the Square still took out the $5,745.66 from our account. The Square should have canceled the debit immediately but instead debited our account 3 days after the dispute was canceled.

    This has taken up a lot of our time and we cannot conduct business without that money. We are a small business and something like this puts us in a bind. We have vendors to pay and projects to start and we can’t run smoothly because of the Square.

    I am very disappointed and will be looking for a replacement for the Square. I will not be recommending the Square to anyone and I will be reviewing on every page I can find to stop people from getting the Square. We just started our business and the Square has made this nothing but difficult.

    • max

      Dispute it with your bank. They’ll get your money back. Square did this crap too me numerous times. I got my money back every time, and finally closed the bank acct. To this day, months later, square is still trying to debit the bank acct that was closed. I know because they keep sending me emails. customers stole from me, and square allows it. Now they had to refund the customers, they were attacking my bank account

      • Bob

        Max, they did it to me on 3/9/16. they claimed my original sender for money sent to me in March 2015 disputed charges. I contacted the original sender who is a friend. He said he can’t dispute bank charges past 60 days and didn’t want the money back. Plus, the Square website says refunds can only be processed through them in 60 days. They violated their own policy by extracting funds 363 days after they cleared AND blamed the sender! The sender has yet to hear from Square because he never filed a dispute!

        I reported it to my bank and disputed these charges. I hope the odds will be in my favor and I will get my money back. 363 days! Let’s think about that for a moment…everyone get a new debit card if you’ve ever had a Square account with your existing card. spare yourself the annoyance of this floating money fraud company.

  • Shaq Rivera

    This has been one of the worst most hurtful experiences ever. I finally figured a way to make extra money out side of my regular 9-5 and for a brief moment the square really seemed like a blessing . As soon as I got to a good point and had a very successful day my funds were put on hold with no warning . I tried getting the elusive customer code with absolutely no luck. I sent an email to the “customer support ” and in response I got an email back stating my account will be deactivated with no chance of a reverse decision and my funds will be held no less than 150 days possibly 180 . I feel helpless and robbed.

  • Judy English

    This is the most awful experience I have ever had with a company. We signed up for a square reader and I had to dig around on the internet for a phone number to talk to an actual person instead of an email. The customer code was no where I could find (which they require to talk to a person) so I emailed for the code. The wrong one was sent. When I called the 855 number and entered the code on prompt the automated line said it was wrong. Back to the drawing board of sending emails and begging for the right code. I have not even received my square reader in the mail yet and at this point they can keep it I am going with some else. They can keep their free website and business help I am not dealing with this. Not a good experience so if you are low on patience don’t bother and if you happen to have a lot of patience it will be pushed to the limit with this company.

  • Robert Griggs

    SQ is the worst company for customer service I have ever seen!!!! We made a mistake in setting up our account I admit! But they collected money for our Charity; then deactivated our account! Now they want answer the phone to help. We collected money for the University of Missouri Athletic Department last week & thought this process would be easier! Boy was I mistaken they don’t pick up the phone & if they deactivate your account they for sure want talk to you!!! I went to their office yesterday in St Louis to speak with someone & they wouldn’t talk to me!!! I did get mad & frustrated but they said if I didn’t leave they would call the police! We are going to do a tweeter champagne against them starting today!!!
    THEY ARE THE WORST! Don’t use them unless you want FRUSTRATION & PAIN!

  • Randy McKernan

    I was trying to switch to Square. I processed a few cards but had some questions about the verification process. I sent a request to have someone call numerous times. I got an email with a phone number and a code to use that was invalid. We are not a virtual company. I process over $1M per year in Credit cards and insist on customer service.

  • Kandie davis

    I was told they were going to hold my funds for 90 days. My business is high risk. It has been over 90 days. I have not received my funds. When i call the customer service number i need a code. I have my code. I enter my code and it says that’s not it. Its not it because they deactivated my account. Now with no way to contact them except through email, they are keeping my money. They don’t respond through email. I am contacting a lawyer today. This company is a scam!!!

    • Kim hunt

      I am going thru this right now except they say they holding mine for 180 days..I have been using square for 4 years now and I have never had a problem until now..please keep us informed on what your lawyer has to say!!

      • Kimberly

        FYI I have been fighting Square since 09/2013 and have never EVER received any of the $8,000+ they withdrew from my business account. I contacted a CLASS ACTION ATTORNEY in Columbus, Ohio and he was very interested in the case. After sending him Squares contract he contacted me several days later and said they had an iron clad contract, basically saying they can “deactivate and withdraw funds” at anytime for any reason. I have been blocked from all of their websites/forum/facebook accounts because I will not stop until Jack Dorsey and his company is exposed as a PONZI scheme. Worse than Madoff, at least he went after the millionaires and not small business

  • david evans

    does anyone know if they consider account that they closed but that appear to be open considered dormant i got this from there terms and conditions
    paragraph 32
    Dormant Square Accounts

    If there is no activity in your Square Account (including access or payment transactions) for at least two years, consecutively, and you have a Balance, we will notify you by sending an email to the email address associated with your Square Account and give you the option of keeping your Square Account open and maintaining the Balance, withdrawing the Balance, or requesting a check. If you do not respond to our notice within thirty days, we will automatically close your Square Account and escheat your funds in accordance with applicable law, and if permitted, to Square.

  • Amber

    ABSOLUTELY TERRIBLE!!!! They deactivated our account without any notice, saying that our funds would be held for 90 days and there is no way to reverse this decision. WE ARE A LEGITIMATE BUSINESS. There IS NO FRAUDULENT activity on our account whatsoever, so the fact that they are suggesting this is ABSURD. We are reporting them to the Better Business Bureau. DO NOT USE SQUARE UNDER ANY CIRCUMSTANCES. We are contactin our attorney tomorrow.

    • Christine

      We were just deactivated today as well but we were not told why. I don’t understand how they can deactivate and not tell why. They made good money off of my company & now all of a sudden they are going to deactivate????

  • IF ONLY I HAD KNOWN BEFORE PURCHASING

    Purchased the Square device last week. Set up account. Took first payment from a customer on Saturday. Checked account Monday morning March 21, 2016 only to see no deposit. Checked Square account. Had a notification that they needed more information (government ID, receipts, invoice etc). Sent what I had. Called them at 12:00PM my time which is 9AM their time. Said they received the information. Got an email a few hours later that they needed bank statements. Sent them VIA fax. Called them back 45 minutes later. The guy (very rude) said once I hung up with him he would process the information. Here is the swift kick to the butt, they sent me an email saying they had cancelled my account due to suspicious activity. How the heck is their suspicious activity if I only made one transaction? I had done one Saturday but cancelled it because the device wasn’t working. Got it to finally work so their was only one transaction showing. Contacted the customer and let them know that I was issuing a refund. Then find out it takes 2-5 days to do that. So all in all, I have to wait over a week to get paid for work that has been done which was a residential repaint. So as far as I am concerned, if you want to waste your money on a Square device and only be able to contact someone IF you have a customer code, go for it. THIS WAS A BIG WASTE OF TIME AND $10 +TAX FOR A PIECE OF PLASTIC TO PLUG INTO MY PHONE. “SQUARE” CAN SHOVE IT AS FAR UP ITS BUTT AS IT WILL GO. WILL NEVER WASTE MY TIME OR MONEY ON THEIR CRAP AGAIN!!

  • john

    This little card reader is only useful if you have zero options other than the customer’s card.
    They charge way too much ( like real estate agents) and offer nothing in return except taking days to process your charge and, there is no phone help unless you are a paid member.
    Where does all of the millions of dollars go that they are making off us?
    Pay a person to answer the phone. This sucks

  • blake stormes

    I do not use square up and I receive unsolicited emails with no link to unsubscribe. How can I stop this annoying action on their part. Will never purchase ANYTHING that is processed through square up.

    • Jerry sharman

      I am getting the same unsolicited emails indicating they are taking monies from my bank account. I have tried unsuccessfully to reach these individuals because I am unwilling to sign up and get this customer code they require to answer the phones. This is beginning to really worry me and I refuse to sign up for this service just to be able to contact them. Thinking very hard about reporting them to the authorities, if I can find someone that can help me. I would never use a service like this that has access to my monies, but won’t even allow you to contact them!

  • Carol

    Square’s Non existent live Customer Service is a joke. I’m a current Square Customer – I’m out shopping around because of there lack of Customer Service.

    I Hate them!!

  • Paula Ogier

    While I enjoy using Square for payments taken in my art studio, my experiences with customer service related to their online store have been shockingly poor. I can spend weeks hounding them for the answer to a question about my online store. You’d think that only 2 people work in customer service. After complaining about their slow customer service on Twitter, I would hear back from them immediately, but the person they’d have contact me (via email) would give pat answers that were irrelevant to my question. So, I’d have to say my biggest frustration with them is not being heard. Their responses seem scripted and designed to shoo the customer away as quickly as possible. It is one thing to send cheery responses (with exclamation points!!) saying they’ll be getting in touch soon, or to feel free to send any further questions their way, and it is another to actually listen and take steps to be helpful. I would like to continue using Square, and I like the look of my Square online store, but I’m losing my respect for them due to how they handle customer service. It was very interesting to find this article and see that so many other customers have had similarly poor service.

  • Debra Turner

    I am sick and tired of receiving emails from these people. I have no earthly idea who the hell they are or how the hell they got my email address.

    It’s always something to this effect, and they always threaten to take money out of my bank account: “We have not received a response from you regarding the $1,973.27 payment dispute on a transaction that was processed on January 24, 2016 If you would like to challenge or accept this dispute, please respond to information Request Form within 24 hours from the date of this notification.” There’s more, but I’m sure you get the idea.

    I have emailed them about this but they have never acknowledged any of my communications. This is irritating and makes me more than just a little bit nervous. I have had the same email address for about 15 years, and it worries me that they have it and that they seem to have an account attached to it. I have begun changing my password quite often.

  • Jamma

    I have been with Square for a few years now and have not had any issues. I am a one man automotive repair shop and use Square once or twice a month. On March 2nd I used Square for a credit card transaction with the customer present for approx. $1600. I was notified by e-mail that the transaction was successful and the money would be in my account. Later in the evening I received an email from Square saying they needed 3 months worth of bank statements, a government document showing my business is legit, copy of an invoice and a copy of a purchase order in order to receive my funds. So by Friday, March 4, all the documentation was sent and was told it would be sent to their review committee. I received an email Friday at 7 pm (the time they close) saying ” We’re sorry to inform you that we are deactivating your account. Our Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity. For further information about our policies, you can review section 42 of the Square Seller Agreement. We regret that, starting today, you will no longer be able to process transactions using Square. Any funds currently in your account will be held for 90 days before being released to your linked bank account. ” Not sure what the high-risk activity is since we only use them once or twice a month and the charges are usually $200-$300.

    Therefore, this means I cannot have my funds until June 2. Just like all the comments I have read on here, you can’t call and talk to anybody without a code, and you can’t get a code when your account is “deactivated”. So in the meantime I have vendors that want money and I have other payments due and if payments are not made on time that creates more expense for me. I have sent Square an email asking for a better explanation of the deactivation, but doubt I will hear anything. So needless to say I am in the process of looking for a more reliable credit card company without monthly fees for my small business.

  • Joe R

    NOT as advertised. Downloaded APP, verified account and went pretty smooth.
    Good luck getting your deposits within 2 days, make it 3-5 days if you have charges on a Friday!
    Customer services is ridiculous! They enforce priority call backs and literally takes 2-3 days! Was I supposed to wait on hold for 3 days if I didn’t choose the call back? HORRIBLE!
    THEN, once your up and running, they interrupt your business after a few weeks to RE VERIFY and hold your deposits????
    Don’t know how much longer I’ll be with them. Aside from the RE verification, I can’t be with a company with zero customer service!

  • michelle

    The absolute worst company I have ever dealt with. They are completely incompetent, don’t know anything about how to use or work their product, and when they don’t have an answer they say they may be able to fix in the future but not now. I wouldn’t recommend them to my worst enemy. Complete morons.


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  • Brett

    Horrible company. I ordered my square card reader and they took $49 out of my account on 1/12/16 and said they shipped it 1/22/16. It never showed up ao weeks later i was asked to private message on face book and they said they reordered me one on 2/7/16 and then took another $49 payment and said it shipped on 2/13/16 and as of 3/3/16 still not here. I then went back to there facebook page and then they blocked me right away and now im out of money twice and no card reader, Does anyone know a phone number where i can actually talk to someone??.ive called the number on their site and it wont actually let u talk. Also im interested in any info on anything with filing a suit against them..#Scam#Liars#Thieves


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  • jledkins1979

    Mark in Compliance replied to my email inquiry concerning deactivating my credit card processing.

    Please be advised, Square will deactivate credit card processing, reply to to email 4-6 days later, and will never give you your customer code to call in and speak to someone!

    Sqaure does not want to speak to you.

    They will tell you that your activity is “generally associated with high risk activity” = but Square won’t ask for nor has seen a single financial document.

    YOUR LEGITIMANT COMPANY WILL BE INSTANTLY CRIPPLED!!!!

    The following is my reply to the Compliance Department:

    Mark

    Interesting feedback,

    Wells Fargo Underwriting approved Virtual Terminal as my new credit card provider and other of my vendors that were using my American Express as payment for services to them, but Square deactivated services.

    My financials were provided to WF underwriting.

    What I don’t understand is how a close look at my form of payment to a hands on underwriting department found no issues, but a service provider like Square who has never seen a single financial document can tell me that my practices are generally associated with high risk activity.

    After fees collected on hundreds of thousands of dollars processed, you would think that before deactivating my account Square would ask for my 800+ credit score on all 3 credit major credit providers, I have $200k of available credit lines with some of the highest profile banks, including a $100k spending limit with American Express per month alone

    I phoned American Express to go over terms and conditions of my card and activity = no issues found. But Square hasn’t seen one financial document – but my activities are are deemed High Risk

    Wells Fago Underwriters looked much closer – including pulling my credit = no issues found. But Square hasn’t seen one financial document – but my activities are are deemed High Risk

    Individuals associated with High Risk Activity do not have 18 years of established credit accounts with $200k in credit lines = NOBODY!

    Individuals associated with High Risk Activity don’t provide financials

    *I don’t expect a response and I’m sure no one after this email has the $&@” to call me*

    *Should Square contact me = I would love for you to be provided what was given to Wells Fargo Underwriting*

    Assumption is the mother of all screw ups

    Call me = PLEASE

    I’ll give full disclosure for Square to speak American Express, get all 3 credit scores, and contact Credit Union of Denver = be prepared to to get laughed at!

    Call me = PLEASE

    I’ll hand over all my fully compliant licenses, general liability, insurance umbrella, Colorado state certificate of good standing with the Colorado secretary of states office including no complaints ever filed against myself or my company that began in California in 8/2005.

    Let’s square up


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  • Richard

    I work building websites. I charged a customer $2000 for work which was completed. I had paperwork, emails, etc to verify work was carried out. One day the customer decides he no longer wanted to pay. I got a 1500 chargeback. Square took the money right out of the account without warning and overdrew our account so I shut it down. Square still tried to take the extra $500. Now Three years later square is trying to get the extra $500. The offered no support or resolution service and no response at the time.

    This is the email chain

    “From Me”

    This customer stole the services from me and you provided no support whatsoever. We provided you with paperwork, contracts, emails and various other means of proof that the customer had used the services we offer and you did nothing. The Better Business Bureau took my side on the matter.

    At the time you provided no phone support or mediation services to assist us as your customers. In fact at the time of the dispute you provided no phone contact for us at all and there was no even a listed number for the company. Your support was weak at best which is well documented on the internet.

    I consider this a terrible disservice to us followed by no resolution. In face we lost much more than this $500 due to you pulling the money out of our account with NO warning. You didn’t even hold the money in an escrow account pending resolution.

    You lost us as a customer due to this and I have moved all my business to Paypal who do provide support and resolution.

    Perhaps you should consider either eliminating this balance completely or drastically reducing it before I will even consider settling with you and am prepared to take this matter to a local small claims court

    From Square

    Thanks for writing in. As a point of clarification, all cardholders in the United States are afforded the right to dispute any and all transactions appearing on their statements that they do not agree with. This right is protected by Federal statute and enforced via the card associations. The responsibility to address billing disputes remains incumbent upon the merchant regardless of which issuer, acquirer, or payments service provider you elect to do business with.

    Please note that all the information you supplied at the time of the chargeback notification was used as part of our case. The cardholder’s credit card issuer is ultimately responsible for determining the resolution of the chargeback.

    Square does not control the outcome of the chargeback decisions reached by the issuing bank in a credit card transaction. By accepting the terms of the Square Seller Agreement, you agreed to accept liability for your chargebacks.

    If there is some reason why a payment cannot be made immediately, please respond so that we can make arrangements that will be mutually agreeable. Perhaps we can work out a payment schedule that would be realistic for your present circumstances.


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  • Nancy

    Can’t get my square wireless reader to pair with my phone. Have updated everything. Trying to contact square but cannot get a customer code. When you go to the web site they tell you to get your code from you get an email form. Fill out the email form and you get a canned reply: We will respond shortly. NO CODE no way to get in touch with them. This is a stinky system!!!! Will be moving my business to Pay Pal!


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  • Jennifer B

    Square’s customer service is terrible. There is no live help. Imagine this…all of the transactions from your business for the week are automatically deposited into your checking acct for the week…except…the money is not there in your account. You attempt to call Square and day after day they report they are not accepting phone calls. You email them your issue and days later still no response. Pretty scary right? Well it’s been reality for me. Stay FAR away!!!


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  • DT

    As with many on-line companies, they have poor customer service. It’s difficult to reach anyone. Having a few FAQ’s on your website is not customer service. I’m trying to give you my business, and you’re making it as painful as possible. I may have to go back to Pay Pal. They charge more, but no problems and good customer service. Jack Dorsey is ruining this company through poor execution and management.


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  • Joe Rhem

    We created a Square account and ran a few transactions everything looked good. We then ran $8000 through the system and they indefinitely held the money. There is no one to talk to. When you go to the website to resolve an issue they require a code to call and when you follow the link to get the code it goes to an FAQ and there is no code. This is a fraudulent and non-responsive organization. We are reporting them to all of the state and federal agencies that regulate the credit card industry. Do not make that mistake we made and think it is a fast way to start taking payments. Take the tie to get with a real processor or work with your bank or even Paypal. Square is bad for business we still do not have anyway to get the $8000 back or speak to anyone. When we send in emails we get non-responsive replies. Stay away from Square.


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    • Sherelle

      This exact thing happened to me last week and I sent email after email, after the sixth email I sent to them by that time I was very angry , I said I was gonna contact the better business bureau because I couldn’t even get into my account , not only did someone change my banking information they changed my email, this was just unacceptable , the costumer service is beyond ridiculous, why would we have to get this angry to hear back from someone. And to top it off when I did get in touch with someone she told be they would send my money within seven business days. Smh I’m taking my business elsewhere.

  • Paul Kenyon

    Square was a great idea. There are a few things that have become so onerous, it may well be worth finding another payment option. When it is available, support is atrocious and of very little to no support.

    1) Customers can avoid ultimately paying for merchandise bought with Square by simply alleging their chip enabled credit was not chip transacted. At least in Canada, Square has no capacity to accept pin enabled cards, so every transaction is little more than a crap shoot and rock solid sales agreements and proof of sale are summarily ignored in favour of returning transaction amounts to dead beat customers.

    2) Most notably you can rarely, if ever, reach anyone on the telephone with a question or concern.

    3) The verification process is cumbersome, one dimensional, subjective and ridiculous. It contemplates that we are all selling widgets and has little capacity for verification of a lawyer, Dr. or personal reseller account.

    4) The exchange of information is faulted. When there is a problem with a transaction, Square gives you very little information with which to determine who the ‘Disputing’ customer is. They just you and amount and a date; and the amount of not what you charged the customer, but that amount less transaction fees. God forbid you should have multiple transactions of the same amount on the same day.


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  • Lucas

    Square is a truly substandard and non- responsive company. After discontinuing our service shortly after set up, they subsequently and continually attempted to debit our bank account for a card reader that had been on back order when we first applied with them months ago. We can no longer use, and therefore no longer need any of their equipment. Understand that they tried charging us for the equipment over two months after letting us know they couldn’t accommodate our business. We notified them by email before their first attempt to charge us that they had declined our business and that we didn’t need their equipment. A live person responded by email that they had forwarded our email and that we would hear back directly from square shorty. We didn’t receive the promised response and instead they began hitting our bank account. We have now sent three email and attempted to call with extremely long hold times that had to be discontinued. We are still waiting for any substantive response or responsible behavior on their part.


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  • G DABOSS

    square is a piece of crud. first of all they want more information on everything and anything i bought it to use it only for a weekend when a lady paid for my translation and paralegal work by credit card using square it wasnt that much it was arround 2000$ they want a copy of the reciept which was a custum amount .. now they want a copy of the damn receipt and a copy of her card i never knew i needed to keep a copy of the lady’s card cause it wouldnt be safe for a custumer to keep such sensitive information….. now second of all contacting custumer care is a pain in my neck being asked for a custumer id so you have to file a question wait hours for them to give you a custumer id then wait the next day cause they responded too late their buisness hours were over so had to wait next day issue is still not resolved


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  • Raymond J Marshall

    There customers service is the worst, I got an email a few days ago stating that I need to verify my account information, and they want my SSN # and some other personal stuff, I didn’t feel comfortable sending any of my personal info over the bet, especially when I’m not 100% sure it’s not some hacker trying to get my personal info, and also there would be no reason to verify my info when I did that over a year ago Sqaure already has my business EIN # and bank info and I have been using the credit card reader on a regular basis, so anyways I called them up to make sure they sent me the email and if they did I would just verify my info over phone. Oh also the email stated that if I don’t contact them within 1 – 2 business days they will put a hold on all future transactions, so I called them ASAP yesterday morning, I was on hold for 30 mnutes. Then there recording tells me that due to high volume calls if I leave my number I will not loose my spot and they will call me back, well I did that and never got a call back, it’s now been 2 days and still no call back, I even went on there website and left an email and still no return email or call back, so I did my part and contacted them or tried to contact them so now beings they never returned my call according to there email if I try to use the credit card reader the funds will be on hold, so if I don’t hear back from them by the end of the day, I’m going to get online and look for another mobile credit card reader and I’m gong to close my account with them, to be fair. Every time I used the reader it worked perfectly and the funds were deposited into my account fast , but if I can’t get through to customer service when I need to then it’s worthless to me to keep using square. After all your dealing with people’s money here.


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  • Connie

    on 2/15/2016 I had to have my dog put down. I paid my vet with my bank card. He uses Square. Square declined several times. As of this morning 2/17 Square is still telling him I was declined. But my bank shows they took The $495 out not once but twice! So neither of us have the money in our accounts! My bank checked into it and said the two payments were accepted then immediately reversed by square with no reason given as to why and that it will be two weeks before the money goes into my account and back on my card. So evidently they told him they declined but actually approved it then reversed so they could make interest during the hold? All I know is since they did it twice I am broke. I’ve been through a VERY hard year and just getting on my feet financially. I’m in the middle of a move so on top of losing my much loved friend,I now have no funds to turn utilities on or pay other fees to move.I could actually end up homeless and lose everything I have left because of this company and I don’t even use them. Not the vets fault at all. In fact after reading these comments I wouldn’t be surprised if he has further issues beyond my payment with them.


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  • Susan Purcell

    They have held over $6,000 from our small business for two months even after we have submitted the requested documentation – they just keep asking for more. They are impossible to reach by phone and throw up barrier after barrier to obtaining payment. I wish I had read these comments before using them. A frustrating mess and terrible experience. We will never use them again and I would never recommend them to anyone. Not sure how we are going to get our money out of them. They have managed to make it extremely difficult to resolve issues.


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  • Pete Allen

    Just received two emails from Square today speaking of thousands of dollars of charges and chargebacks that will affect by bank accounts. The only problem is that we don’t have a Square account and never gave them any of our bank info. We don’t have one of the readers with which to charge folks credit cards. It seems that Square has a big problem. One Fraud by one person cost them over $4,000,000. It seems like the justice department needs to shut them down until there is a resolution to all of their problems.


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  • Teri Ronk and Suzanne Fulford

    We have been loyal customers of Square for 2 years now. We get our money 24 hours after the sale. Now all of a sudden we are not getting our money. It has been 7 days and Square now has $19000.00 of our money and they will not talk to us. They are in “meetings”, their support staff in New York doesn’t know what California is doing. I think they have absconded with our money.


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  • paul volpe

    they are my card processor, they hold funds all the time and make my bank acct go neg, they say they dont cover that , but they cause it.they cant be reached by phone, you must use a code and wait for a call back. they finally called me 2 hours later, i told them to release funds, they dont need to hold my money , never had tis happen with my bank processor. they cost more but i can go there or call them


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  • Amna Farooquee

    They held my account for verification and holding $2000 of mine from my online store. The guy from Square called me to verify my company, and said today we will release your funds. Then 3 days later, deactivated my account saying the hold will be for 90 days and then I will get my money. Stay Away from this Company.

    This is the email they sent me – after 10 days of no Person On The Phone – They have no customer service at all.

    Hello Amna,
    We’re sorry to inform you that we are deactivating your account. Our Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity.
    For further information about our policies, you can review section 42 of the Square Seller Agreement.
    We regret that, starting today, you will no longer be able to process transactions using Square. Any funds currently in your account will be held for 90 days before being released to your linked bank account.
    If you’d prefer to receive funds more quickly, you should consider refunding the payments back to the original cards and seeking alternate forms of payment. (Please note that we will refund all the fees, too.)
    Refunds are available within 60 days of the original payment. To process a refund, log in to the Square dashboard.
    Use the date selector tool to locate the specific payment.
    Click the payment you’d like to refund, then click “Issue Refund”.
    Select the reason you’re refunding the payment, and click “Issue Refund.”
    Unfortunately, our decision to deactivate your account is final. Due to security reasons and the obligations of our agreements with card networks and other financial institutions, we cannot reverse this decision and are unable to provide additional details.
    Again, we apologize for any inconvenience this may have caused.
    Sincerely,

    Square Account Services


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  • Olga

    Terrible customer support, it looks like my account was compromised, I can not log in to my account and that’s why I can not access customer support by the phone, I wrote them 5 emails so far 1 week ago without any response.
    I hope they lose a lot of customers, because they are just collecting the money without providing any support to their customers!


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  • Chris Reese

    Square deactivated account after sending numerous emails asking for purchase orders and invoices. I sent all required documentation and square deactivated account for no legitimate reason..

    Find another way to get your money….. Square is on the way out and there are cheaper methods anyway. Save yourself the hassle and the problems they bring to your business.


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  • Jeremy Spears

    Poor customer support, rather no customer support. Squareup lists a phone support number but requires a Customer Code in order to accept the phone call. I have an active account and have logged onto the site and searched through accounting and dashboard pages and found no Customer Code. The support page doesn’t even provide instructions on obtaining code. It appears to be purposely hidden to reduce support calls from customers.

    I’ve had an account for almost 3 years with Square and never really needed to speak to customer support so this was a complete surprise when I noticed my deposits were no longer being made but my customers were being charged. The funds are just sitting with Square in pending deposit status. The only option I had was to submit a service ticket through the online form which generated a case number but that is not accepted by the phone filter system.

    I expect better customer support from a financial service company.


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  • Self-Employed

    Beware if your business is an LLC, corporation or partnership.

    When one of your officers or employees who is not an owner of your company or its bank account goes online to set up the Square account for your company, and that person provides their name, address and last four digits of their Social Security number to “verify their identity,” your LLC, corporate or partnership Square account will then and forever be tied to that person’s individual name and Social Security number, no matter what tax ID information you provide to Square for your company then and thereafter.

    Square lies when they say that the only reason they need the name and last four digits of the Social Security number for the person creating the account is to “verify their identity.” Actually, on Square’s books, that person is designated then and forever as the sole OWNER and controller of the account, no matter what differing account information you provide.

    What then happens when that officer or employee of your company is sued or divorced or gets into trouble with the IRS or whatever? You guessed it: You and our bank account are in trouble.

    Square deceives LLCs, corporations and partnerships into believing that their Square “business account” is a Square commercial account. But it’s not a commercial account. It’s actually a personal account, then and forever tied to the person who provided their name, address and last four digits of their Social Security number to “verify their identity” when they set up the Square account for their employer.

    The same is true with one or more other companies that provide these types of services.


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  • Julia Darling

    A month ago I noticed that our daily summary hadn’t included a huge tab from the night before meaning, we looked short. I called Square and they apologized profusely saying the transaction wasn’t “captured” and they “will push it through now.” Had I not called, we would’ve been short thousands of dollars. Fast forward 30 days, and here I am today – this time for over 8K in funds from last night. “I’m so sorry – the transaction wasn’t captured. This NEVER happens.”


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  • Janet

    I loved square for 6 months. Then out of the blue they want me to verify my account so they can release my money. They have held it hostage for over a week because as much as you verify and even try to call you don’t get answers. When calling they want you to type in a customer code that doesn’t exist. Very frustrating, I hope I can find a more reliable company.


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    • jax

      Same with me they have aprox 18,000.00 of my money with no way of contacting them. I have tried a few numbers and they all will hang up if you do not have a customer code. I finally was sent a customer code and called them back 1-855-700-6000 Im sure you all are familiar with that number and the number they provided was invalid. I tried this several more times with the same results. If anyone has any better luck please post !!!!! My blood is beyond boiling at this point !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


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  • R COUCH

    How about this and others beware. I just received and email that Square up attempted to take money out of my banking account and it was declined. I have not bought anything with anyone who used this type of processing, nor do I have an account with them. Never have. But they want me to verify my banking information. No phone number to call unless I sign in or sign up. How bogus.


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    • Katey

      I have had a similar experience. Scammers are impersonating Square and are asking for verification of accounts, reporting deposits to accounts, notifying of holds place on funds, and even alerting to suspicious activity – all on nonexistent accounts – in what I believe is a well-crafted phishing scam. Such emails began arriving in my inbox a couple of months ago, and because I do not have a Square account, I just marked them spam without opening them But they continued to come and did not go directly to my spam folder. Finally, a week ago, I contacted the real Square, and they confirmed that the emails were not legitimate. However, they certainly look legitimate. I wonder how many account holders have been duped by these bogus emails and have clicked on the links and given the scammers verification information. I believe the real Square has an obligation to take whatever steps are necessary to bring law enforcement down on these scammers because they are stealing Square’s identity. If anyone who has an account with Square receives these bogus emails, please pressure Square to report the problem to the appropriate law enforcement agency.


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      • Nancy

        How did you contact them?? We just got this weird email stating that our bank account had been verified…..well, we have never signed up wanting the square, let alone gave info regarding our bank info. I have tried 4 different numbers and not having this “code” can not speak with anyone…thanks for letting me bug you!!


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  • Margaret

    I applied for a Square Credit Card Account and was sent a Square devise. I opened the account, had my bank account verified then took my first payment of $2,500.00. Square contacts me after the invoice was paid by the customer to verify my business account again (which has all the same information as my bank account that was originally verified by them) then informed me they are going to cancel my account because I am considered “high risk”. They give no definition or explanation, including why they didn’t categorize my in the first place as such and cancel my account BEFORE I took a payment. I have been selling online for over 15 years, have Platinum status, an impeccable business record & excellent customer service. So now I have the awkward situation of a customer who paid and Square is suggesting I ask him to cancel his payment and pay via another means, or I have to wait 90 days for the funds to clear before they are sent by Square to my business bank account (in the meantime, my Square account is still closed). This is a ridiculous situation to be in, it’s makes my business looks unprofessional. Square is the one who is “High Risk”, stay away and find another Credit Card Company to do business with.


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    • jackson

      same thing happened to me. file a complaint with the BBB. Square will only reply to someone higher than them. They always reply to the BBB. You ill see hundreds of complaints like yours, and they get their money back faster. Square likes to hold money to collect interest on it. This keeps them in business


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    • LayLani Gambino

      Yes, I just went through this yesterday. It is so rude of them to let you accept payment from a client and then want to verify you. I even sent my client the invoice and she paid herself, which clearly tells she was willing to pay since I am a reputable supplier for over 5 years. I am going back to PayPal, square has a lot of drama with them. I immediately issued my client a refund through their site. I hope she receives it on time because they may make an excuse to hold that too. And now when I call to check on the status I can’t get through to square. Please stay away from this company because they will make you look bad in your customers eyes when you are honest. Luckily my clients are sweet but other clients are not. Bottom line STAY AWAY FROM SQUARE!


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  • jackson

    This company is a joke just like all the other ones. They all follow the same protocol. They will freeze your money with no explanation, close your account with no explanation, request personal information, then shut down your account afterwards, they all read the same script for liability issues. It’s like talking to a robot. They just repeat everything off 1 piece of paper to prevent any lawsuits he said vs she said scenarios. They don’t think outside the box, putting themselves in our shoes, because that would just make too much sense.

    After 5 year with no issues, they started asking for all kinds of documents, and i actually sent them everything. Had $1500 in the account and they shut my account down thinking they can keep my money. Filed a case with the BBB, and they quickly responded and said they will release the funds


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  • mike

    Square has debited my account $1,000 because a customer falsely notified them that they were entitled to a $1,000 refund for a hotel stay. Squares response after 90 days was that this was an airline ticket and the ticket was not used. Square is either confused, engaged in overt fraud or simply a defrauding entity engaged in fraud. You cannot speak to anyone, you cannot get anyones’ name, there is no recourse to this firm stealing your money other than arbitration.
    Stay away from Square, they are dishonest, devoid of communication and dishonest. They should be prosecuted for fraud.


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    • MINISTER ROBBIE

      Yes just found out that square debit my account for $32; for their device that was never shipped to me as of 11/09/2015 and that I have never used as well and I was only to be charged per swipe 1%. a BUNCH OF THIEVES. I called my bank and they canceled the card and the pending transaction; 3 month later want to charge my card; they were hopeing that I wouldn’t notice. but the devil is a liar.


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  • John Goertz

    Last October I looked into the avenue of taking credit card payments and was immediately solicted by Square. over several months of being reminded if you will that i had not yet “Activated my account” the opportunity arrose to use the service and since i had received two card readers by this time figured why not? I on the spot listed my info a bank account ,did the test deposit that was ssupposed to take 2-3 days and accepted my first payment within 15 minutes… No problem this is great right…. not so fast… My next project and client are here on business of the late mothers estate and we negotiate a fair and acceptable deal… I then call square to ask abount deposits and turn around times etc. and informed we are good to go as stated in the agreement. plus i have indded used the service prior… Now my client is back in Texas where he resides and gives me written signed authorization to use his card as he wishes to finance this work, great option, and so i do and his card monitoring kicks it back and calls him before i could even dial…when i do he tells me run it again i just ok’d it with them… perfect and its done… since the work to be done is on a time sensitive schedule I again contact Square whos account rep informs me yes it went through 1-2 days and no problem this is on Jan 6th, Jan 8th i see no payment or deposit and go to the Square site where I find the Astris saying that a review is needed prior to releasing funds…just routine get some info and we will release the deposit… I inform them of all the details including my clients phone number the documentation and the time sensitive nature and the fall out that would happen should it be a problem… and again am told there was not even an issue and it wont happen again just a one time thing…. 4 days later I recieve an email 5 minutes before the close of their service hour informing me that I represent a fraud risk and they are permanantly and irrevocably closing my account, forcing a refund that will tie up the very funds needed to honor my contractual agreement and that they regret this but thats it thats all… They have no held my personal finances and the work due my client hostasge for 5 days and then inform me that im to issue a refund that will take anothe 10 to 14 days to process… Really? I have never in all my days been so blatantly humiliated and so shabily treated by a company that perform a service for monitary gain… I will indeed follow the words of advice and as it seems will have plenty of time to dedicate to the cause of making sure Im heard… Very diappointed and hopefully not ruined by bad practices and lack of fair dealings with Square…


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    • Square Victim

      This is a shady business. Joined because a fellow co-worker recommended it. All was going well and processed over $2000 in sales in my first month. Got an e-mail stating I was in violation of the Terms of Service. Requested to have the Terms of Service sent to me outlining the allegation. They refuse to provide this documentation and stated I needed to refund the money. So they are now holding my money hostage with no validation. I contacted them stating my case, provided all the necessary documentation and still no answer other than it violates the Terms of Service. Let me be clear, these are valid transactions so let’s not go down the road of fraud. The only fraud being committed is by Square. STAY AWAY FROM SQUARE!!!!! They are shady, shady, shady!!!!!


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  • Foad Queiri

    After receiving my first three payments the first day, they decided for unknown reason to terminate the account stating we were engaged in risky transactions. Before they deactivated the account they asked for every piece of paper you could ever imagine stating it was to verify our account. Despite the submission of all documents requested they still terminated the account. We have decided to not even pay any merchandise using square.


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  • Barbra Bloy

    I got the Square but then sales dropped off and I have not used it. People are only paying me with check and cash. The Square appears to be deactivated. It disappeared from my Iphone. But I was still charged $50.00 for the new version! I want my money back! There is no customer support at all! I feel like I was ripped off. I will never attempt use their service again.


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  • carole reed

    The most infuriating experience I have had to date with any company anywhere. The customer service is non existent while seemingly helpful they are actually only working in their best interests. They arbitrarily closed my account and froze the funds for no reason after I supplied everything they asked for and now I am forced to wait 3 months for the funds – a total nightmare !


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  • Katherine

    I do not have a Square Account, but a couple of months ago I began receiving emails from Square with captions like “Account Canceled.” I ignored them (did not open them) and marked them as spam. Since I don’t have a Square account, I could care less if it has been canceled. Yet the emails have continued to come, not in my spam folder, and the captions continue to warn about account deactivation, but some of them (e.g., today’s) concern “Payment Receipt.” I have no idea how Square, or an imposter, got my email address since it is a dedicated address. An internet search has not turned up any similar complaints about Square, so I am beginning to think someone may have set up an account under my address. Any suggestions how to get this to stop?


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  • Nick WIlliams

    I’m a health care provider. I try to use visa cards that are from health savings accounts. These cards have never been accepted by square and I can never get answers, or a live person for any help at all. I miss out on a lot of collections. This seems to be a serious fault in Squares services and i’m looking to jump ship to another company that can at least provide help via phone. I hate being left in the dark…


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  • Brandi

    I have been using square since 2012 and have never had anything out good experiences with them. I have had a couple of disputes but they made the process easy and took care of the entire thing for me. I always have my money in the account the next business day and the instant deposit option allows you access immediately to the days sales. The square capital is so great for small companies and I have used it three times with much success. I think some of the reviews posted here are competitors.

  • Kevin Collins

    DO NOT USE SQUARE!!! Nothing but horrible experiences with this company. You will run into a problem with them and when you do, there is no avenue for support.

    What happened in my case is they out of no where froze my accounts and to reactivate asked for every piece of information you could imagine. This included: all of my corporate documents, bank statements, LinkedIn information, scans of every document you could imaging, more than the government asks for.

    They may have had a good reason for asking for all of this, but who knows, they never told me and there are no avenues to find out. I have had to deactivate my account and get my clients to contact their credit card companies to remove the charges held in my account.

    Nothing but horrible experiences with this company, I would recommend using any other company before giving them a try.


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    • Brent

      I could not agree more. I am going through your scenario right now. Unfortunately for me, this is my first transaction for my new business and it was rather large in my world. I have no answers, I do not have my funds, do not know when I will see them. I have unloaded everything you can think of to them, and NOOOOOOOOOOOOOOOOOOO way to get in touch with them. My first and LAST transaction with these people.

      I LITERALLY FEEL SCAMMED, AND THIS COULD DOOM MY BUSINESS DUE TO THE LOGISTICS RIGHT FROM THE STAR!!

      IF YOU ARE A NEW BUSINESS……………… TRUST ME,,,, STAY AWAY FROM THEM!!!!!!!!!!!!!!!!!!!!!!!!!!!! THIS IS REAL!!!!!!!!


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  • JL

    I own a furniture store and Square deactivated my merchant account in October 2015 because a customer’s card failed to process a few times. They sent me an abrupt email saying that the decision to deactivate the account was final and that they are holding my funds (from the same customer that actually successfully processed the payment finally) for 90 days until releasing it to my bank account. In addition, I was left with no way to process credit card payments from my retail customers for a week until I got a replacement solution (Shopify). Today, I found that that not only are they still holding on to my money, they continued to charge for the Customer Engagement Pro tool on my DEACTIVATED account for the past two months. This was the last draw and I had to write this review to warn others of this inconsiderate company.

    I would be lying if I said I didn’t enjoy the great design of the product, but Square falls way short of actually understanding a customer’s true needs and they left me stranding at a crucial time of my business, with no real support available. I am staying far away from this company and will advise all of my business owning friends to be ware of them as well.


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  • Bob

    Square’s is making unauthorized use of my email address. Unknowingly I recently made a purchase at a “square” customer’s retail business. I was asked if I want a receipt, I said, “Yes” and was handed a paper receipt. Much to my surprise, within a couple of hours I received an email receipt for the same transaction. I did not ask for an email receipt. I did not authorize anyone to use my email address to send me a receipt. My credit card company tells me that they do not release this information to Square. Where do they get it? More importantly, How do I stop this unauthorized use of my email address? Square appears to have no customer service for the customers of their retail clients. This is an unauthorized use of my private information.


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  • Melissa

    I was with Square for a little over a month when out of the blue my account was terminated. I called and emailed without any success then finally received a form email stating I was in some kind of violation of their legal terms of use. After reading over those again I was still confused as to why they had disconnected from the Square service. Should they have felt something was awry with my use of their service I would have appreciated a head up, an email, anything. Very dissatisfied with Square!


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  • Kathy

    I had this account set up for a little over 24 hours – took $900.00 worth of charges and then it was decactivated. I was told through an email that the decision was Final and that MY money will be credited back to my bank account in 90 days! How can they do this? They cited section 42 of their agreement. Not only will I NEVER do business with these people – I will avoid them at all costs for any merchant using their system.


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  • Jim

    Square just cancelled my account after 2 months stating my business was ” high risk “. Said their decision was final and cannot be reversed.. The company took in more than $15,000 without one dispute or concern. The company cancelled their other card service and has now left the company out in the cold. Be careful people as square can cancel you without notice and without reason anytime they want.


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  • Kevin Rockitter

    WARNING WARNING WARNING. Stay away from this company. They will hold your funds for 6 MONTHS without even the courtesy of advising you. Just try to get any type of customer service. Forget it. Call the support number and you cannot proceed with a “customer code”. They instruct you to log in to get the customer code, except when you do, there is no option to obtain a customer code. There is no way you will ever speak to a live person. If you submit an email, you MAY get a cryptic response directing you to the website, which of course is no help. A real horror show.


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    • Adam

      I got defrauded out of $1200 using SquareCash to accept payment from an individual for a camera I was selling privately (I’m not a merchant)

      No customer service at all from them, no explanation of what happened, and of course the scammer who has my camera has disappeared.

      The police and DA have no interest and won’t let me file a report. They don’t consider it a crime.


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  • Hok

    I have bad experiences with square. Last week I got chargebacks from goods I sold. I provide them all the documents to fight for chargebacks even with photos from security camera proof customers did purchase and left the store with the items. Yesterday morning they send me a notice telling me to update information about my account for verifications. Business name, business address, EIP, government documents and 3 bank statements. In the same day, 5 P.M they send me another notification and telling me they deactivated my account a put a hold on my money in the account for 90 days. The reason they provided was a pattern of high risk activity and tell me to look at section 42 on their sellers agreement. I tried to call them this morning, but they delete the customer code they provided to me and I have no other way to speaks to them from phone. The only way to reach to them is from their question and feedback section via email, but they did not respond back to me. Now, not only I didn’t make any profits, I lost $2000 on the goods I purchase to resell to customers.


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  • George E Sanford

    Our company was told repeatedly that our bank account was verified. They lied several times in thier emails. After they said our bank account was verified, we began using the Square to conduct our business. Now we are fighting Square to get our funds and they are sitting on over $7,000.00 in deposits. All they tell us now is that our bank will not receive our deposits because of a glitch in our bank’s electronic ACH department. Today I had our bank ( Y12 Federal Credit Union, Knoxville Tennessee Phone 865-482-1043) a conference call for an hour with Square and myself and nothing was resolved. The Square agent said we must wait until Square verifies our bank account. Square has sent multiple emails saying our bank account has been verified and that are deposits have been made but then Square won’t release our funds. Square communication and emails have mislead and misrepresented their service. We are regretably forced to pursue legal action to collect our funds. December 17, 2015


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  • Stan

    Beware about Square’s “Instant Deposit” for an additional 1% charge. It’s not “instant” at all. Normally money gets to our account on the second business day (charge Monday, money appears in our account Wednesday). Yesterday we had a large sale and the money was due to be in our account tomorrow, but there was an item we wanted to buy today for our biz that might not be around tomorrow. So I flipped the switch for “Instant Deposit” and paid the additional 1% for the “Instant” transfer of funds. When the deposit never appeared, I called Square. I was told “Instant Deposit” means next business day, so I basically wasted an extra 1% on misleading advertising. Square had no ability to reverse the transaction and didn’t offer to waive any processing fees to make up for the money I wasted thinking “Instant” meant “right away”, not overnight. Not cool.


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  • Trevor

    This morning I received an email telling me $21.58 was charged to my credit card via Square. It was obviously fraud from an air conditioner maintenance company with a disconnected number and a web site that listed offices in multiple states with only partial phone numbers. I called the credit card company and they cancelled the card. I have a message sent to Square and I’m curious to see if I even get a response, there wasn’t a fraud reporting option on their support questions.
    I appreciate this is a small problem compared to others here but I wanted to point out that the scammers are working around (or with) Square. i assume Square makes money from scammers just like the credit card and phone companies do so they have less incentive to catch some of these crooks. I was almost ready to eat the charge rather than having to get a new card. It’s profit for all when enough people miss the charge or don’t do anything about it.
    At least Square sent me an email, which makes me wonder, where did they get my address from? From the scammers or did they match it up from records they have stored? If it was from the scammers why would they give my real email address? I also get alerts from my bank on my credit card use but, strangely, I didn’t receive a message on this charge.


    Are you with Square? Learn how to resolve this complaint.

  • Elizabeth

    Thanks to all of you for your comments here. I wish I had seen them before I went ahead and signed up for a free Square account and wasted time on the hack job of a joke they call their “online store.” It’s hard to believe they’re actually in business to do this kind of thing. I have seen a lot of cafes and independent freelancers using Square, so I figured it was OK. I no longer believe that, especially with the issues I have seen described above. Because really . . . if they can’t avoid wasting my time creating my online store, I wonder what DOES work in their business model.


    Are you with Square? Learn how to resolve this complaint.

    • sarah

      Yes, all of you here are so right! this company is the worst of the worst! i feel like we should all do something about this on change.org and have them listen to our voice, full force!!!!!! listen to this; I also had problems and they are as of now holding $2,200 on my account, after they already claimed to have refunded the costumer. then they say they had a problem with their portal and i should disregard the other email……..not one word they say makes sense!!! EVEN WHEN I EMAILED THE CEO, DIDN’T HELP! I emailed Jack Dorsey ([email protected]/square_com ) about this issue, and all he said is “will look into this”, but never came back to me. I try emailing him a few times this week, but he still doesn’t respond!!! I’m filing now a BBB complaint with this company and I just wish that we all do some class action against them and get our money back for all our frustration and wait time!!!!!!!!!!!! hate them with a passion!!!!!!!!! they drive your business south!!!!


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  • Patrick Evans

    We have used Square for 2 years now and have not run into any of the problems that are shown on this web page. We do sell high ticket items, but our volume is large and we have had complete success switching from First Data to Square, and have saved tons of money not having to lease portable credit card machines, paper, tons of fees per transaction, foreign cards, ect. With Square, the amount comes out immediately, I know exactly what I will be getting the day of the deposit, Square is excellent for a company doing less than 500,000.00 in sales.

    • Shannon Pyne

      Patrick…I’m glad to see I’m not the only one who has had nothing but a good experience with Square. I don’t know if you saw my comment below but I recently had to go through their verification process for a payment I had processed from a regular customer of ours – as a matter of fact, it’s pretty much the only customer we have that pays via credit card, so it did seem a bit odd for them to hold up the deposit but I provided everything they asked for and within a couple of hours I was advised that they had completed their review and released my deposit. Simple. I’m not sure what the criteria is for flagging transactions, but I would rather put up with a little inconvenience now than to have to deal with a problem later on.

  • mike

    This company blows. They offer no protection for it’s sellers, despite the fact, that it’s the sellers that pay their bills. I had a customer who used his mothers credit card to make a purchase. Mother claims fraud. Kid got to keep the product and mommy got her money back.

    Again, someone made a purchase 5 months ago. Customer today, files dispute, “item not as described”. Square sends me an email stating they will deduct the funds to refund the customer in 2 business days. 5 months later? Really? So how did i protect myself? Since square gave me a heads up, i called my bank and closed down my entire account that is attached to square…LOL. KARMA!!!!!!!!!!!!!

    I will never use Square again, or pay them anything for their failure to protect it’s sellers. I looked into Stripe, but they don’t offer protection either. Too many complaints as well for the same thing. Heck i think, all these companies do this. Nobody offers seller protection. The only way to protect yourself is money orders and cash.


    Are you with Square? Learn how to resolve this complaint.

    • Suzy

      Well, apparently this individual has never dealt with Merchant Services (MC & VISA)….through a bank…..I will tell you, I processed some high volume charges for garments I was selling – 5-6 sales around $1,800 – $2,200 each, received an approval from MC/VISA when processed thru Merchant services, done right??? NOPE almost 3 months later Merchant services contacted me and told me that these charges were fraudulent and that I (the shop owner) am responsible to contact some 800 number to ensure the credit cards are valid….so I am out the merchandise, out the money paid to the distributor and now I have a $15,000 bill that I have to pay to MC/VISA because it is the merchant/shop owners responsibility to ensure the card is good, the only think the approval code is for is to say they have sufficient funds available on the card to make the purchase????? so how is this any better than anyone else???? I have used square for over 6 years and have not had one problem…..my money is always there the next day and I do not do any type of business that would require them to put any holds on my account…..I guess the secret is, you just have to stay within the rules, when you push them, you have to suffer the consequences….they are in business too you know and believe it or not, they need to make money to survive and provide a service.

  • Joan

    Don’t even bother with Square. Go to your bank that holds your business account and open a POS with them. The very first transaction we did with Square was held because it appeared to be fraudulent according to them. We are very fortunate that it was our first transaction and our vendor was willing to pay us in a different form because we could refund the transaction and avoid it being held for 90 days. How can they even get away with that? Good luck trying to get someone to help you. We have had no problems with our current POS and we are able to get someone on the phone right away to help even with random questions.

  • Dr. Debra K Lewis

    Used Square for about a year, worse company ever! Took back monies that were authorized and never had ANY phone customer service. It was all email and nothing helpful. I recently (11/2015) got a notice from IRS saying I owed on a second 1099 on Square from 2013 which is infuriating because I have no record of these transactions. I have emailed Square on getting a copy but of course have gotten no reply as of yet. I need help from Square on getting a copy of this second 1099-k which I never received.

  • Imad Abualia

    I just had the most unpleasant experience with Square. I charged an amount totaled $3100 to a customer for sale of equipment on 11/11/2015. They started by asking me to fill out a verification form and provide them with an Invoice, my ID and 3 bank statements which I did immediately. I get an email back asking me to provide more information about my relationship with the customer, which I found pretty strange, but yet, I provided them with that. Today 11/16 and after 6 days of holding my funds, they decided to reject my transactions and asked me to refund the money to the customer. The reason they say is that I am violating the terms of service agreement. here is the email I received “Under our Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your Square account. The Square Terms of Service also prohibit using Square as a money transfer system. You must provide a legitimate good or service in exchange for every payment processed with Square.” ,So I read the terms of service agreement section by section and did not find that my transactions violate any of the sections in the agreement. My sale was for equipment and an invoice was provided. I did not charge a gift card, prepaid card, nor it was my own credit card!!! and definitely that was not a money transfer!!! Asked to speak to a manager, they refused!!
    I process over $40,000 a year of transactions using merchant services. I thought switching to square would save me some money. But it looks like the money I would save will be spent on medications for headache caused by Square’s complications. I think I will stay with Bank of America merchant services. Business owners beware

    • Peter a

      Prepaid are No-No and the now one of the most common forms of fraud. Sorry, but all prepaid and gift cards should be marketed clearly and additional form of ID should be required from your customer….Counterfeit card are quite common and mon and pop shops are a great target, sometimes even the card holder doesn’t know it was counterfeit, especially online programs for discounted gift cards…….Also you also tried to process a amount almost 8% of your total in one transaction…. anything over one or two % should be flagged as unusual.

    • Ethar

      Same thing happened to me. They gladly took the payment from my customers credit card but failed to deposit into my account. I sent all the verification documents and they sent me an email telling me to refund my customer because they think he might do a chargeback. No live phone help, just emails. This company blows and I’m filing a complaint with the better business bureau.


      Are you with Square? Learn how to resolve this complaint.

  • mamali

    Square is definitely the worst.
    They went ahead and closed my account for no reason… Oh because of verification purposes…
    After using Square for over a year, referring 12 People, including family and friends.
    Now they do this to me… Not to mention that they have $432.95 of my money held.
    It’s ridiculous… Trying to call these guys is absolutely mind blowing honestly… it really is. Why you ask?
    Because, I always have to wait on hold for 45mins – 1hr. Always.
    I cannot believe how bad they are with their support team.
    Scammers, cheaters, and I don’t like them. Switching to Paypal Here.

  • karl burgart

    At a recent large trade show event, Oct 25-26 2015, Square “lost” over 70 transactions totaling over $5000.00 from my merchant sales account. They have been extremely poor to respond or rectify my missing funds! The service I’ve received has been horrendous to say the least!
    All transactions went through my account and receipts were sent to customers yet Square claims they have no records. Any email receipt should be recorded on their server.
    This has caused major damage to my companies reputation..and Square continues to not return my calls with updates as they promised or find my funds!!

    • Mark Monelli

      Holding funds for no reason. Opened account October 2nd 2015 and verified bank. Account active. Processed a payment October 31st in the amount of $850 for my business. I get an email from Square November 2nd that my account is deactivated because they cannot support my business type. And that this decision is final. Said to either refund payment I received and use another processor or wait till 2-3 business days after January 31 and a this amount will be deposited into my bank account. Its obviously fraud, you can’t close down someones bank account with money in it and hold onto it, nor can a processor hold money. This dates back to the early Paypal days when my companies small business was crippled by a 10% reserve holding of the average balance. I’m looking forward to the day I get a class action lawsuit email, for now I have no choice but to put this on every site possible since they have no customer service. This is a huge win for independent processors, don’t use Square, don’t put your business at risk.

    • TJTJ

      This just happened to me and I discovered what happened although after finally being able to speak with a live Square person and Square did fix the problem and refund my lost money, they do not claim any responsibility and claim that Square’s systems have not been compromised…. humph!

      I discovered I was not getting my square transaction e-mails 2 weeks ago and the funds were not being deposited into my bank account. My clients all showed that the charges had gone through on the credit accounts. I tried contacting square but my e-mail addressed was not recognized and I could not log in. After 2 days of e-mails to square I was finally able to talk to a live person. My e-mail address to my Square account had been changed to another address and my charge funds were being deposited in a Discover bank. Square claims they sent me an e-mail almost 2 weeks prior of my e-mail address being changed. I went through all of my e-mails including deleted and spam e-mails and I DID NOT receive notification of my e-mail address being changed.

      Square support over the phone with me changed my e-mail address back, I changed and greatly increased my password and I increased all of the Square security settings to my account. Square then told me that they would reimburse me by mailing me a check. After this I was scrolling through my Square account tabs and click on the “list” tab. I do NOT sell anything through Square. I only use it for customer payment transactions. Well in my square list was several big screen curved TV models for sale!!

      I clicked on these items listed in my Square list and it took me to an Amazon sale listing selling these TV’s. My name was listed as the seller with some TV show’s photo shown as my profile photo. So on this Amazon listing I clicked on this fake sellers name and a FREAKING street map with my business location where I used Square from pops up on this fake sellers listing!! On this fake Amazon sale listing was a phone number for information so I searched the phone number and it came back as a phone number from Colima, Mexico!!!

      So these fake selling thieves are somehow getting into Square accounts, changing the owner settings, setting up fake online items for sale and using a Square customers account to funnel the stolen money through which is then deposited into their account in some other bank. But any sales I ran trough my account were also going into their account.

      Here’s the kicker. I received my reimbursement check today along with a letter from Square stating that they had investigated the matter and found that the square system was NOT compromised and that Square was NOT responsible to refund my money but they were refunding it anyway. I’m wondering if it was a Square employee involved with this scam. Anyway this is what happened to me starting Oct 22, 2015′.

  • Mike

    I can’t believe they did that to me …
    They froze my funds after i sent an invoice from their website, after 2 days the client paid and they accepted the money without any hesitation … the problem started when they had to forward the funds to me. They first asked a bunch of information about my business, and after they decided that the transactions follow a “suspicious pattern”????????????
    How can be suspicious an invoice sent from their website and paid on their website??? It was normal until the client paid and become suspicious only after?
    they refuse to give any other explanation and after 1 month I still not have idea where my money are and when I’m going to receive it.
    On the other end Amazon register and Paypal here never give me any problem of sort, they forwarded to me transaction higher than the one Square is holding and they are way more transparent on their policies.

  • Dean

    I bought some furniture at a small resale shop, and they use Square on an ipad; an email of my receipt went to the car repair shop I’d used a couple weeks before, though I had not shared my email address with the furniture shop. I won’t be using a credit card on Square ever again. Sloppy controls somewhere.

  • Shannon Pyne

    We began using Square a year ago when a municipal customer indicated that the agency preferred to issue payment via credit card; as they were a return customer and there was a possibility for a long-term business relationship, we signed up. While we did offer it to all our customers as a payment option, I had very few take advantage of it until a few months ago. We expanded our business through the purchase of a similar existing business and one of the contract customers whom we deliver to on a bi-monthly basis decided to try out credit card processing as opposed to issuing checks. They are thrilled with the option and for the past four months have used this form of payment exclusively. I have never had an issue with receiving my funds (they have been available the very next business day) and the customer reports there have been no issues on their side either. I did just have to go through the verification process this morning for a payment I put through yesterday, but did not have any of the issues that other users have noted. I provided the documentation requested and within two hours I received an email back from Square indicating that they had completed their review, returned my account to active status and resumed regular deposits. All in all, I would say that my experience with Square has been very positive and I regularly endorse their services to friends and business associates.

  • Ryan

    I have nothing good at all to say about this company, I should’ve just known better and went with PayPal from the start. The only reason I picked square is because they were running a promotion that had no fees attached for your first $1,000 received when you referred a new user. I used square to accept payment from customers that were using prepaid cards. Square instantly locked my account, stating my account was terminated, freezing all my funds saying I violated the Terms of Agreement by accepting prepaid cards. They said they were holding my funds up to 180 days (but not less than 150 days) or depending how they felt, they were holding my funds until farther notice. Really?! Funny thing is, the seller agreement literally contradicts itself, it makes absolutely no sense! Section 6a states prepaid cards are not a acceptable form a payment, yet section 11 says they are. Who writes these things?! I tried reaching out to them, which you are forced to do via email because their phone number requires a customer number, which is impossible to obtain (trust me, I requested one many times). I’m convinced their customer service department doesn’t even exist because they never both to even acknowledge their customers. After many emails to them over the course of almost 2 months with no reply, I threatened legal action in an email and got a reply stating my account termination decision was final. I replied back stating I didn’t care about my account termination, only my funds and wanted to know if they would be unfrozen within a realistic time frame and if they would still be fee free when they were released. Needless to say, they never replied back. Thankfully I was still within the refund period so I issued all my customers a refund so I could accept payment from them another way. Talk about a pain, you try chasing down 15 customers that you did business with nearly 2 months ago telling them you need a new form of payment. In the end, I’m thankful that square terminated my account, they were only doing me a favor, saving me from their complete lack of service!

  • Derrick

    After signing up with them and taking my first payment I was sent a Verification by Square. I have a LLC registered with the Secretary of State for 13 years and have been in business for 13 years. I have filed all my taxes federal and state. I have been very profitable for 13 years too. My company has never gone bankrupt or been sued. My company doesn’t owe a penny to anybody and has over $500k in assets. I was just informed by Square that they we deactivating my account due to a pattern of transactions associated with high-risk activity. This decision is FINAL. I now have $500 taken from my customer 4 days ago sitting in Squares bank account and I cannot get it for 90 days. THIS COMPANY SUCKS AND IS NOT TRUSTWORTHY!!!!!!!!!! Use Intuit or Amazon, they are both great.

  • Maria

    Worst mistake I ever made by purchasing this card reader. I will make sure to post my complaints everywhere that people can see. Beware this thing is a scam! I purchased this product for my small business to help make things a little easier. After the first transaction, they flagged my account, deactivated it, and took the money without it ever going into my account. You cannot even contact customer service since it keeps telling you to input a customer code that never seems to work and you cant speak to anyone unless you have one. They got me for 8k. I will make sure that my complaint is heard. I hope this company is put out of business soon so no other innocent people get scammed out of money. Beware of square!!!!

  • Col. Jordan Palmer, CHA, CLA

    Impact Originals, Inc. operates ImpactTactical247.com and several retail stores. Our experience with Square has been extremely positive. Funding is extremely fast and their customer service is exceptional. Brian in particular in Customer Support has been outstanding as has their Capital Funding Team. I cannot say enough positive things about Square, their support, and how wonderful the people are that work there. Everyone has problems with credit card processors from time to time and a lot of times it is user error, not the fault of the processor. Square has been a blessing to our business when large companies let us down. People typically only use online forums and the BBB to complain, but companies also need positive feedback when they go above and beyond.

    A+

  • Betan Testravosky

    I would tend to avoid Square right now, it’s a great idea but needs to really improve on its service. I used to see Square itself make large deposits and then large withdraws to my account not initiated by me or by credit transactions on my square reader. It wasn’t a “hack” by someone using my accounts … originally I changed all my access information to square. I never lost money on it, it was the mysterious additional deposits that weren’t mine that were then withdrawn by Square 24 hours later that happened every couple weeks. Either Square was messing up in its collection system and depositing to wrong accounts … or someone internal to Square was trying to launder money using Square. Either way, I closed out and went back to the expensive card processing service where I never saw this happen again. You get what you pay for.

  • Alexandra Maxwell

    Was hoping to use this to sell my stuff at a few festivals. I purchased a square then tried to sign up only to be rejected! I double checked my info, then triple checked it, they even asked for my SSN! After several attempts I was locked out. I tried to find a number to call for help but apparently you can only get access to a number IF you are signed up, which they wouldn’t allow me to do. Emailed them for help and received this: Unfortunately we can’t approve your application to accept credit cards with Square. We wish we could provide you with another chance to apply, but we’re unable to do so since Square can only provide a set number of application attempts.

    While we’d love for you to process payments with Square, this isn’t possible.

    Why was I rejected in the first place???? I’m furious at them and am returning the reader I bought. I’ll find another way and square can go stuff it.

  • Angela

    I wish I had read these reviews before attempting to use Square. I am a sole proprietor, and they don’t seem to be accepted at Square. The first transaction I did was flagged and rejected, now a question of what happens to that money. I can’t get my pay and lost good will with a client by convincing them to use this mistake of a company.

    I understand if they don’t want to accept individuals and very small businesses but SAY SOMETHING BEFOREHAND.

    How are freelance workers supposed to get paid anymore? Scamming us seems to be an entire industry!

  • Cindy S

    I have used Square for a little over a year now. I am thoroughly impressed with the company. When researching processing companies I came across a lot of bad reviews on the company. I called them; which I got a human right away, and asked them why I should choose them since they had so many bad reviews. They addressed everything I had read and gave examples of how they have either addressed the complaint or why they do certain things that were the heart of some complaints (holds on funds).

    I have had nothing but an excellent experience with Square and they only get better over time. I process transactions manually and by swiping that range anywhere from $2 to $2,000. This year alone I have processed over $370,000 with Square. I have never had any problem with any transaction or refund.

    Lastly, I have always been able to contact a human being quuckly when I called in. I was just at a tournament where I was going to sell my product and needed to change my prices. I was having trouble and called into Square. I was connected to a representitive within 10 minutes and he was able to walk me through the process of changing my prices.

    I give Square an A+!

    • Ryan

      Well please provide the number you called because currently the only number they list as a point of contact requires a customer number, which you have to request via email! They literally make it nearly impossible to call them unless they allow you to.

    • Liz

      Please share the phone number that you use to contact them as every number that I find I a black hole. I am so frustrated with this company right now. I am planning to tell people that I’ve invited to use them to cancel because of it’s non-existent customer service.!

  • Rachel Miller

    Someone with a Sqaure made 7 withdrawals and deposits in my account in one day. None of these were authorized and it is my concern now that someone is going to hack my account and take all my money. I tried getting someone on the phone to find out which business or square holder had made the transactions but they have no customer service number for everyday citizens needing assistance. I sent an email and I am waiting to hear back from someone, anyone!!

    • kim

      This is what Square did with my money…
      someone paid for a service, i did the service, and turns out the card was a fraud even after checking ID. They took $1,400 out of my checking account and never put it back. I am still figuring out the best way to sue them. I know there is a class action brewing as I’ve spoken to several people with Square problems.

    • Artra Fleming

      I had a very bad experience with Square. Someone hacked my account and took my $5,877.29 they also, made 7 deposits of 8.500 on a Sunday. I tried contacting Square but wasn’t able to. I went to their office in San Francisco, CA. I spoke to an Eric. Eric told me that they would over night me my fund by the next business day. It’s been about a month now I receive nothing yet, but lies and most lies. PLEASE DON”T DEAL WITH THIS COMPANY!!!

  • Tom Lukasik

    Please do your research before using this credit card processing company . They should not be used for large transactions . Their policy seems to be to tie up for money . When you have had it with them and simply want to refund the customer the money and collect from another source , their answer is we will try to refund the money . The money is taken from the card holder and not put into your account and they will “try to refund the money .” Please learn from others misfortunes and stay from from this company .

  • Maggie

    I used the Square interface and billing services, as I initially liked the way it gave me a virtual online store. I had the site – which was advertised literally everywhere – for MANY years. They were excellent about depositing my funds for sales the very next business day. But one day, Suddenly, it was gone. They gave me NO notification, but my clients who were trying to make purchases, suddenly could not. Square literally shut down my store, and each time I tried to create and send an invoice, I was given an error message reading “please activate your account to accept payments.” My account had been active years! So I contacted Square (they NO LONGER OFFER A TOLL-FREE NUMBER TO REACH A HUMAN BEING, THE CUSTOMER SUPPORT – IT IS ALL FORM LETTERS NOW VIA EMAIL AND TAKES 3x TO GET AN ANSWER.) Once someone wrote back, I received a form letter stating that they had deactivated my account. NO warning, no contact, no nothing. I wrote asking why – I received the following: “Square reserves the right to terminate any account at will without notice. There is no appeal process and the decision is final.” MY ACCOUNT HAD NEVER HAD A CHARGE BACK, NO FRAUD, NO BAD CARDS, NO ABANDONED CHECKOUTS. MY CREDIT RATING WAS EXCELLENT. So, why this termination?? I switched to another online solution (Shopify) and it’s not only better, but more user-friendly. My sales skyrocketed. I asked my clients why. I was told that Square wouldn’t allow them to process transactions with discount codes, and that they always had glitches and hold ups in the transaction process. Shopify is not free as Square is, but with this new increase in sales (I went from selling about 20 sessions per month to 15 per week) I am starting to enjoy this other site much more, so maybe Square deciding to close my site was a good thing. Another thing they did to me was hold my funds when they shut my site down for 180 days. That said, I think Square sucks.

  • Robert W.

    Haven’t read this site in quite a while. I’ve been using Square for abt 3 yrs and other processors for previous 15 yrs. Had some serious trouble at first related to the merchant code processors attach to a business. Some cards are code sensitive and Square was designed around glass blowers and pastry shops, and their assigned default code of “gift store” was unacceptable to government cards. They were not well prepared to accommodate a variety of businesses. They did finally, after several days, discuss the problem with me but it was a problem that needed a solution within hours, not days. Obviously I am now overall pleased with their service. The Register program has received many updates.

    My observation of the many complaints here is that most complainants seem ignorant of fundamental business practices involving risk. Would you lend money (essentially what credit card funding is) to a proprietorship business which has been around for only perhaps weeks or months, works out of a home, often sells intangibles, wants to processes 4 figure transactions with card not present, and is ignorant of English grammar when registering a complaint? I think not.

    I can offer one piece of advice: Have a backup checking account into which you can move money when you sense a credit card processor may be ready to withdraw money from the linked account. Otherwise, start your business with a more conventional processing company. After a year or so, you will have a transaction history that you can show Square or others which may lower your risk score and make you a more desirable customer.

    • Jason

      Ignorant of fundamental business practices? You gave me a good laugh. I have a FICO credit score of almost 800, have over 130k in the business bank account with no debt (Nothing not even credit card debt!) and have over 200k in my personal bank account. I was BANNED from square and they are holding over $5,500 of my money. I had no transactions over $200 and Square charges more for transactions not present to compensate for the additional risk. If card not present transactions are not allowed then Square should tell people beforehand. I’ve already moved to another merchant account and it’s been doing great. I’m baffled as to why Square banned me with my financials. Square is for small mom & pop businesses who have no chance of growing. If you’re a small merchant then use Square. If you’re going to grow then use someone else.

  • Chris Henandesz

    Squareup Has been a nightmare to deal with. I sold a product locally for $500. After I received payment hey they locked my account and asked for verification of my identity which I provided. Weeks have gone by and I have not heard anything back from them . I send them one email every two days and they haven’t responded to ONE of them. Check the BBB reviews and you will see alot of people are being mistreated as you see here. THIS COMPANY NEEDS TO BE SHUT DOWN. STAY AWAY FROM SQUARE!

  • CEO

    Square erased our ecommerce site. We had a transaction that a week later the customer claimed fraud. We Submitted the video footage of the transaction as evidence, then no communication for three days from square. Even today, nothing, and no code for us to input when they tell us to input a code to call customer service. They are not emailing and no phone calls are being returned. Taking action in starting a class action lawsuit against square. We have lost hundreds – thousands of dollars in the short time time they took us offline. It’s a shame that it’s been done to many other businesses. Have been searching new POS after this monstrosity.

  • Kim Soldevere

    Square has been holding back funds from my business since April 27, 2015. Square has collected the money from the card holder and will not pay me. This is illegal and stealing. I am a single parent trying to run my own business and live the American dream. Square has violated me and my rights as an American citizen. Square has withheld my hard earned funds and has racially targeted me. I want my money now and I want interest on it. This company should be shut down!

    • Jason

      Same. They sent me an e-mail that they were going to hold my money for an additional 30 days. 35 days have passed and still no money in my bank account and the deposit still shows as pending on their website. They don’t even honor what they tell you in the e-mails.

  • Art

    This company has a really bad way of handling a buyer’s information. I made the mistake of filling out the profile with a merchant when I purchased an item. Much later when I made a purchase with another merchant who used a Square device, it had my basic information and my email address for an electronic receipt. That’s all fine. BUT recently I paid for a service which the merchant used a Square reader and my electronic receipt went to someone else! This happened on the same day, twice, with two different merchants! I don’t want my purchases flying out to anyone. Square has a responsibility and duty to protect a buyer’s privacy when it comes to purchases. What if they had been purchases that were of an very sensitive nature (they weren’t).

    All I can tell you is that I will NEVER use my credit card with a Square merchant again. Sorry, but Square blew it for you guys.

  • Jeff Paris

    I have used Squareup for over a year now, totally replacing Paypal for my businesses. I have never had any problems, I always get my money on time and I was eligible for Square Capital, which the terms are more than fair. Square has helped me to take my business to the next level. I have never had an issue with getting in touch with them during business hours.

    Now from reading the language in the other comments, I see that many of these people are not educated enough to be running a business and honestly with such vulgarities and “spoiled-brat” attitudes… need to mature a bit.

    • thech

      We’ve been using Square for 3 years now. NEVER a problem. Our money is deposited on time every week. Perhaps the nature of their business raises red flags with Square. Or the fact that they’re not using a slider, and instead using the manual input with every sale. That itself raises red flags. We take upwards of $40K in credit card payments a year. It’s an amazing tool for our mobile business.

      • Pete

        Ditto… never had a problem with this company. Like you i probably follow the rules. 99.99 percent of the people sign and all online is done through Square Market…. love that too. I would be happy to talk with anyone about Square.

      • Connie Crowley

        If not using a slider is a red flag, Square should make customers aware of this and those of us who do business via phone and mail would not use it. Square signs up small businesses, acts as if everything is OK. I specifically asked a representative when signing onto Square if it made a difference if I ran the credit card immediately with the attachment, or waited for the three business days right of refusal period was over and then keyed in the card. The representative told me there would be no difference for them. I believe I was had and that Square used over $6,000 of my money for 6 months. The worst part is I was not able to find out what the big “red flag” was because there is no customer service number and they would not answer the question via email, they only referred to article 47 of the contract which gives them the right to deactivate the account and hold funds for no reason. Beware – I have since used another company for the last 18 months with NO problem.

  • Eduardo Pavon

    Square continues to have horrible customer service. They are holding my funds for using gift cards even though in section 11 of their user agreement, it states gift cards are accepted. They are withholding my funds without any communication with me. I have sent 11 emails through their email support and the only responses are automated garbage. They are even still sending me emails on how to use their service even though it’s deactivated. I have posted on Twitter, Instagram and only a response on Twitter asking for my email so someone can help. Crickets after that. I have filed a BBB complaint against Square.

    There is no reason a financial company in 2015 has no way to call someone or get a proper response when they are holding your money. This is just straight up stealing. How can this be allowed. Horrible, horrible company

  • Chris Ammar

    Held my money with no warning! No number to call for answers. Was threatened by employees be awe of not making payroll and had to call police. Put me completely out of business and am now almost homeless. Ruined my business and my life!

  • Carla Sarvis

    This company has the absolute worst customer service….terrible…..my credit card was hacked on their website when the “training” asked me to key-in my full cc number to charge $1.00….then key-in again to request a refund of the $1.00…..within a few hours, our bank called asking about some huge purchases (i never left the house). We had to go through all the bank questions and cancel the card. In the meantime, I immediately tried to call Square (ooops, my bad…after hours you will reach nobody no matter how urgent), so sent an email…..then called the next morning and waited all day for a ‘call back’…sent another email…….finally received a call back but the person could do nothing and there was no “supervisor” to speak with me….and have not yet received a call from anybody “important” nor a reply to my, now, three emails…..this company doesn’t give a ##&*$) about you…it’s laughing all the way to the bank. It may be convenient in the short run but I wouldn’t’ trust Square at all to do right by you.

  • MARY

    WE LOVED SQUARE UNTIL WE FOUND THE TRANSACTIONS REPORT. THEY ARE NOT NOTIFYING US THAT TRANSACTIONS ARE BEING CANCELLED AFTER THE BUYER’S CARD IS APPROVED. WE HAVE DECLINED CARDS AND CANCELLED TRANSACTIONS AND SQUARE IS APPROVING THEM ALL ON THE REGISTER. WE ARE NOW EVALUATING A MORE TRUSTWORTHY MERCHANT SERVICES PROVIDER.

  • GARY GOODVIN

    I Had good luck at first. But I now cannot access my account. And no way of getting ahold of them except by email. That was 2 weeks ago. I’ve lost many sales since then. Be aware!!! Their customer service SUCKS!!!!

  • Ocean West

    I own a small auto sales and rental shop in Los Angeles area. Square deactivated my account and held $3,500. They said it’s high risk transaction and funds will be deposited after 90 days. Well, 90 days came and went, no deposits. No Customer telephone service, I sent two emails already, got automated messages, but no resolution. That $3,500.00 is my total net profit in months.
    There should be a class action law suit, it can’t be legal to hold funds for 90 days without live customer support.

  • Vera Hristova

    Horrible company. I wish that I read the reviews before signing up. They suddenly decided to hold my money Friday afternoon on for 90 days for no reason whatsoever.
    There is no customer service to talk to, just answering machine who knows where.

      • Ken Williams

        SCAM AND MORE SCAM. I signed up for free card swipe for android. Well after entering my pertinent business account information, someone attempted to wire $2600.00 from my business account to a Western Union account in another country. Luckily my bank flagged it as suspicious activity. My Square equipment never arrived despite them giving a tracking number. Called customer service _ No answer and also emailed customer service_ No reply.
        Thanks alot you MFs.

        • BK

          That same exact thing has happened to us. Three times we have changed our debit card believing that was the problem only to realize Square has our bank account number as well as the routing number. Those two things are all that’s needed for over seas fraud. A direct line into our account.

  • Jynelle

    Contract clearly states there are no monthly fees yet I was charged $18.99 for several months. Its partially my fault that I didn’t look for these charges. But from the prior post I read it wouldn’t have matters because like everyone else there is no actual contact number to talk to an actual human being. I spoke with the “dispute center” who told me to dispute through my merchant then get back with them. I sold Pure Romance products and they did not have anything to do with my problem. They asked for the last four of my card, the transaction dates, and the description transaction name. I gave it all to them and they still did nothing. I deactivated my account because they date they previously charged me was coming up. I hadn’t heard from them til after I deactivated my account. After I did so they stated they couldn’t do anything further washing their hands of their responsibilities. I do not understand how this so called company is still running eith all the above problems.

    • dea

      Square sent me a malfunctioning reader, found out at the end of the monthly billing that over 200$ did not process correctly despite the app stating “transaction complete”, my donut shop rarely sees charge customers but it would be nice if I didn’t get ripped off! It’s square who is responsible for the loss, I did my part. Can’t get a hold of the “customer code”either… any luck, anybody?


      Are you with Square? Learn how to resolve this complaint.

  • Melinda

    I do not have a lot of customers that pay for their services via credit card, however, recently I had a client who needed to charge a $15K balance. Out of the blue Square held up distributing this money to me saying they needed more documentation from me. I provided everything they requested very timely. I was then told I would get my funds within 2 business days. Getting through to their customer service is a mess, every time I call I wait an hour – literally. Then they have little to NO ability to answer the most basic questions. Despite being told verbally and in email that my funds would be in my account, they still are not and no one seems able to tell me why. They will not put a supervisor on the phone, all they will say is “someone will send you and email”. They are worse than the phone companies (and that is pretty darn bad!!) I will stop using square as soon as I get my money and will switch to a traditional merchant services account…..the fees are lower and they don’t hold your money to earn the float for these insane amounts of time and by inventing bogus reasons to need more documents then anyone can possibly need (and OH, BTW, if you want more docs, why didn’t you ask for them when I opened my account?)

    BEWARE DO NOT USE SQUARE>>>>>>GO TALK TO YOUR BACK ABOUT OTHER OPTIONS!!!!

  • Curious George

    These stories are horrible. Several of them refer to funds that the company holds and then deactivates the account. I’m curious to know, do these “held funds” include any deposits made on that account (I.e. Removing deposits on previously authorized transactions)? Or, are “these funds” specific to the transaction(s) that “flagged” the account? Either situation can cause inconvenience, but removal of all funds ever processed would be a nightmare.

    • Michelle Owens

      They help ALL of our deposits. They flag an entire account, not just a certain transaction. This is detrimental to small companies that accept credit cards as a form of payment for their services. It’s illegal. They are trying to get around it with saying the terms and conditions that you accepts when you initially signed up for the account would protect them. But it is very broken…. This will come back around and bite them.

    • Vera Hristova

      I am one of those people. They hold $1,400 of my money and deactivated the account. If anybody knows way to get more information please let me know. I could found only that phony 1-800 number going to answer service.

  • Michelle Owens

    PLEASE DO NOT USE SQUARE UP. We have been using Square for a few months now with no problem at all. As of 8/19 they put a hold on our deposits (over $5,000 worth) without contacting us to tell us why. I had to find out a week later when my account was in the negative. It is now 9/2/15 and we have yet to see our deposits. Meaning this company has run my customer’s credit cards – taken their fees, yet not given us the money…. IT’S ILLEGAL! The worst part is there is no phone number to reach anyone that can help you. We called product support about 10 times and they told us to stop calling. Yes… they’re holding $5,000 of our money and they asked us to stop calling. We are in the process of legal action. I would advise everyone having this problem to do the same thing. They are clearly stealing money from people and using it for their personal use until they feel like giving it back.

  • Jaime Howard

    Thought this product would be a very convenient way to process transactions wirelessly as well as a great back up payment method should there be an issue with our main merchant account.

    On August 29th in the greater Vancouver area we had major windstorms knocking out the power in our area. I thought it was great that I could still process transactions for my business although the power was out and our interact machine was not working.

    I processed about $3000 in transactions which is not a lot for our store but enough to be an issue if we do not receive those funds.

    I received an email from square saying they were not going to send me the funds and I would have to send them a photo ID (which I did), 3 bank statements (which I did), website, linked in profile etc etc

    Did everything they asked for and then just received a letter saying they are deactivating my account as they suspect that the transactions or activity is fraudulent.

    I also supplied a detailed letter as to why I had to use my square reader in the first place.

    They are holding all funds hostage for 90 days without interest and deactivated my account?

    I would definitely try another payment reader before using square. Also the cherry on the top was a note saying! All decisions are final. Apparently this is a common issue, square is holding funds maybe using the interest??

    • Lee

      I am surprised that the Federal government has not looked into this company. I also had them as well as my wife. I have a legitimate company, licensed in Florida. I had them ONE month and they abruptly shut me down. I called and they asked for all kinds of paperwork which we sent. They shut us off at 4pm Friday., They held $6000 from January 15 to April 15. Two days later after 2 weeks with them my wife received same for her business. She waited 90 days also for her money ($3300). Class action should be in the works. God knows there are many of us. I lost customers, lost profit, and had to scramble for new processor as well as short term loan.

  • Craig Jull

    We started using them for the a few transactions for our online Spanish classes.
    After a couple of months they sent me an email saying they were closing my account as it was not in compliance with their regulations.
    They never gave me a specific reason, then after a week I still had not been paid funds owed
    So I contacted them by email (they don’t even have a phone number for merchants to call).
    They told me they were holding the funds for 180 days as I was high risk??? WTF?? Where’s the risk with online Spanish lessons??
    Stay away from them

  • Tom Brown

    I use Samsung Tab 3 tablets. These cost $100 and are dedicated for use at our farm and farmers markets. It makes no sense to use a $400 tablet in those damage prone conditions. The current Square card reader does not work on these ‘older’ tablets. So I use older readers. At the farm our cell phone service is poor so swiping often fails or takes a long time so we just use the Register offline and upload later when I am at home with WiFi.

    So I just swiped my own credit card on my Tab 3 with the older reader in offline mode but at my home with wifi. The card swiped successfully and authorized payment (but of course, offline) However when I turned off airplane mode on the Tab 3 and swiped the same card again (so it was online and in direct wireless connection), I got a message that the card reader is no longer supported and the payment would not be processed. So this is what is happening with my payment declines. During my business day at the farm, offline, I am storing up payments in the offline mode since the offline function authorizes them but when I take the transaction laden tablet home at night, and turn on the Tab 3 and Square Register to upload the transaction data, then decline messages get generated and I see them the next day.

    So now I am out several hundred dollars plus my time spent in figuring this out because transaction support for this reader was terminated; probably on August 10 or thereabouts and with it, the capacity for transactions to be processed by Square. This despite the fact that the offline mode continued to show the payment was authorized.

    So the short story is that Square continually updates readers and associated software; necessitating unnecessary hardware upgrades to stay in sync, and progressively terminates older versions which result in payments being declined and the merchant stuck with lost revenue and lost merchandise.

    Tell me where I have misunderstood the situation.

  • Gus

    I switch to Square hooked by the 2.75% no monthly fee. I happened to prepare for the biggest expo in central florida and happened to charge over $5,000 in transactions to coach on increasing scores on credit reports. Square deactivated my account because there transactions we got paid were mainly done with pre-paid cards. We focus on clients who mainly do not possess a credit card. No warning, $5115 held for six months. They are supossed to deposit my funds today. I will keep you posted.

  • nbaj

    All these negative comments sound like paypal reviews..LOL

    I have used square for 3 years and never ever had an issue. i run a website and what i do is send out invoices to customers who want to make a purchase. You would think this would trigger a red flag, but it doesnt. I sell about $6000 a month using square, and i have never had an issue with them at all

      • nbaj

        You need desktop version on your phone, or you can use your computer. Go to invoices and simply create one and send it out. They pay it in the link square provides them

        As of today, stay away from square. I recently had 2 transactions where square automatically deducted funds for the 1st transaction and refunded the buyer. Nothing i can do. The 2nd dispute was today, after a customer complained 5 months later. Luckily square gives you a heads up, that they will deduct your account to refund the buyer. because of this, i called and shut down my bank account today that’s attached to square. I will not allow buyers to rip me off. Square won on the 1st transaction, but will lose on the 2nd, as there is no bank account. This proves that square offers zero protection for it’s sellers. I strongly suggest you stay away.


        Are you with Square? Learn how to resolve this complaint.

  • Jeremy

    Worst customer service I’ve ever experienced. Cannot send via UPS or Fedex & will not deliver to a PO box. DO NOT try to get this shipped to a rural spot like Jackson, WY. A waste of time.
    I suggest Apple Pay or Pay Pal reader. They can actually help you out!

  • Pate A

    Okay i watch the new commercial for Square.. I use Square Register on my ipad, use Square Market for online sales ), will most likely use the employee app when available. Several points… most negative comments don’t give much info on the business or the types of transactions. Square has marketed to small Mom and Pops, with face to face transactions, from a stationary location, and with relatively low dollar values per transaction. I’ve never had a problem, business fitting the above criteria I’v recommended Square to haven’t had any problems, So Why Is It So Difficult to Understand. New Businesses without a stationary location, making transactions without the customer present or over the phone without any tracking method… with hundreds or thousands of dollars of transaction , whom probably don’t use Square Market for online sales. Sounds shady to me.. These days you can’t be too careful, cardholders need to get statements , review and accept or question any transaction that are questionable.. at least 60 days so holding 90 or more day …. Read your terms and conditions first , most people with problems, I suspect haven’t until things start going wrong.

  • John

    OMG! SquareUp is terrible!! I read the reviews about them before I signed up and made the decision to go ahead and sign up anyway. Before I made my first transaction, I emailed them (They will not talk to you and do not post a phone number) to make sure that my account was active and that my transaction amount was within their limits. I received 3 emails back from them stating that everything was “good to go”. Once I made the transaction it showed that my deposit was pending. Then, later that night, I received an email stating that they were cancelling my account and that they were going to hold my money for 90 days. Unbelievable! I quickly emailed them back asking “Why?” I waited until the next day and did not receive any answers from them. I emailed again requesting information and that someone contact me to explain why I was told that I was “good to go”…still, no answers to any of my questions. I am trying to run a business and they have ruined a relationship with one of my customers. DO NOT USE THESE JOKERS. Unprofessional and they hide behind email providing absolutely no customer service.

  • Mike

    SQUARE is the WORST company around. IMPOSSIBLE to get anyone on phone and LIKE CRIMINALS, they hold you money for THREE MONTHS. Thats not a typo. You get an email from them saying “sorry for any inconvenience but we are holding these funds for 3 months” They are out to ruin peoples business’s at the expense of them collecting interest on your money for 3 months. They are a class action law suit waiting to happen. STAY AWAY FROM THEM!

    • Jenny

      Hi I am trying to make a decision on whether to use Square pos for my new business. Do you mind me asking what type of items do you sell and also was the problem with swiped or keyed transactions?

      • Carrie Heath

        I do sales and marketing for hotel groups I also a a small online jewelry shop called Designs by Carrie all of my transactions were keyed not swiped. They canceled with no notice and kept my money for 90 days. I am small business and unless you can afford to have your funds tied up I would not advise using them.

      • Teresa G

        Carrie,

        I sell vaping devices, which is actually sort of controversial. I do not sell online, I ONLY sell face to face, due to age verification. I do not swipe cards very often at all…only if I cannot get a card to read from a swipe. I do over the phone sales but they come in and pick up in store and then pay with a swipe of a card or cash. My transactions are average 60 dollars so not large transactions. I would think if you do large single transactions and/or key all or a lot then square is probably not the company for you. I have had a lot of great experience but I think most that are having all the bad experiences do not swipe and key in most of their transactions. I can tell you no other company was willing to loan me money for my business and square did after 1 year in business. It has truly helped me grow. I hope this helps you. you can email me direct with any questions or help I can try to give you. [REDACTED – personal contact info not allowed]

      • Christopher Burns

        Do not……. I am a struggling artist, they froze my account and held 515.00 on the 3rd and last sale. Before they closed my acount. 90 days…. They are crooks. 90 days come and gone. They will not take you by phone, it’s all email. Can you afford this to happen to you, likely, when it’s crucial that you need the funds? If yes, then go for it.

    • Josh

      O Yes I’m in the same boat as you. They are hold my money to on parts and and services i did on a costumer truck two and a half months ago. Email 12pm next morning are gone out of account. No leg to stand on. No support from them at all. Think goin to call police or FBI real shady company.

  • teresa G

    I am shocked to read all these comments! I have had square in a B/M business for a year and a half and I do 22000 a month in credit card transactions. I have had 0 (yes that is truly a 0) funds held from me. I have had NO trouble AT ALL calling them and speaking to a person in less than 10 minutes (which to me that is a good turn around time). most of the time its less than 3 minutes. I LOVE their POS system and I have two printers, cash drawer and two stands and tablets going. I Have honestly had NO, NOTTA, ZERO trouble. I know they are adding and building out thier program so there are a few newly added things I AM LOVING but not all bugs are out, so I do not currently use them, but I WILL :)

    Just my experience as I have seen a lot of comments that are MOSTLY all bad, but I have to give square a shout out here from my experience.

    I also got a capital loan from them and in less than 2 months have paid back almost half and I spoke to a customer care person and they said once paid I can get another one. I cannot even begin to get a loan from a bank!!!!! I have opened two stores now because of the capital loan!

    • Lee A

      Theresa, you are either a shill for Square One or EXTREMELY fortunate. I had TWO accounts frozen. One after 1 month and another after 2 days and just 1 transaction. They held over $5000 for 90 days. The reviews are mostly negative for a reason.

      • Wayne Guy

        Accusing Teresa of, perhaps, being ingenuous doesn’t seem fair. Our company has been using Square almost since Square’s start. We have never had a problem.

        From the beginning, as our business grew, we emailed Square whenever we needed an increase in our daily charge limit. They responded with an okay so now we can charge up to $10,000 a day.

        We are aware of the many people who do have issues with Square so the one time we needed to refund a client we gave them a check instead of doing a charge-back.

        I don’t know why some folk have a bad experience with Square and others, like Teresa and me, have only good to say. I do know they need to be made aware of your intended pattern of transactions, just like many financial bodies.

        • native7

          This company is nothing but a sham. Any positive comments are “REPUTATION MANAGEMENT” people paid by Square. I suppose many people will be fooled by these posts because it is so hard to believe that a company of this magnitude could operate this way. They held our funds for 1 full year. Been in business for 30 years and had never had this happen before or since. Jack Dempsey is in over his head. TWITTER IS TANKING. He is trying to take square public to save and it should be interesting when they have to be accountable to shareholders. Wish someone would expose this SCAM COMPANY.

          • Wayne Guy

            Your assertion that my positive comments are born from being a tool of Square would probably be offensive if I didn’t realize that it’s coming from a position of frustration and anger.

            Square seems to work for some people and then not others. I don’t know the guidelines for dealing successfully with Square but we have been dealing with them for a long time without a single negative issue.

            I believe Square’s biggest issue is not honesty but a severe lack of communication.

          • Teresa G

            I promise you I am not employed by square and you can easily contact me, to prove it or do your research. I am a veteran of 13 years whom started a business and use square. I honestly would NEVER lie to anyone about something for a gain of any kind. I know there are those who would but I am NOT ONE OF THEM. I think it has to do with amounts of transactions, and types of businesses(as I assume most any merchant account would scrutinize). I do not do large transactions, I am a retail store so my transactions are average 60 dollars each and I have done refunds through them and ALL have worked. I was skeptical doing a refund after reading so many comments but the 3 I have done worked very well. I just wanted to give an honest opinion of my experience. I am working with square now to set up my second location and YES, there are bugs and YES I am a little frustrated but I have worked with financial industries in changing systems and square is handling their changes quite well compared to the fortune 500 company I worked for.

            Anyway, please feel free to email me if you would like so you know I AM a REAL CUSTOMER OF SQUARE and not a paid employee or anyone paid to say good things for them.

            [REDACTED – personal contact info not allowed]

      • anees bader

        i have processed over $300,000 in the past 3 years being with square and NEVER had a chargeback and out of no where they terminated my accounts with no explanation whats so ever and now they are holding my money from 150 to 180 days please someone explain whats going on

      • teresa G

        I am no Shill, I promise you. I totally rely on user comments when shopping for items, so I would never stand up for something that doesnt work. I promise you, I am a very demanding customer when it comes to ANYTHING. I am just glad I am one of the fortunate ones that have not had any issues, as I was really really worried from reading a lot of comments prior to going with square.

        I think they are growing so fast is a lot of issue possibly, but not sure. I just know that my experience has been nothing short of awesome.

        Sorry to hear you have not and I would totally be upset with them and probably NOT use them ever again and write the worst reviews for them if it were me in your shoes.

    • Vera

      Can you please give me the phone number that you use to talk to them. They provided me via email with a bogus number that goes to automated recording. I read many reviews and no one but you seem to be able to talk to a real person. They are holding my money for 90 days but i see many people post that even after the 90 days there is no money back.

  • Curtis W

    Worst customer service I have ever run across. a full 12 email back and forth battle over what should have been a simple $15 refund.
    Still no refund and they wont return an email or a phone call.

  • Jason

    Total scam. They deactivated my account which is a life time ban from what I read on here and are holding $5,800 from me while I’ve not gotten a single chargeback. Apparently it’s because I’m too high risk. It just doesn’t make any sense. Now my business is literally on standstill while I set up a credit card account somewhere else. I would avoid going with square unless going a couple of days without credit card processing is acceptable.

      • Jason

        I have no clue what they consider risky. I have good credit, lots of cash, and have just been approved for a merchant account elsewhere for $50,000 a month. The most damaging part of this ordeal for me was losing business for a couple of days. If you get a lot of phone or website orders, having no downtime for CC processing is very important.

        My transfers got frozen and a prompt came up asking for more information which was filled out. All of my paperwork (DBA, business license, sales tax license, SOS filings) is up to date for my LLC and I do have business bank accounts. I submitted 3 months of bank account information showing an average balance of about 100k. The only debt I have for both my business and me would be $600 credit card debt. It just doesn’t make any sense. They just banned me a couple hours after I submitted the info requested.

        • Pete A

          if all that is true, and i presume it is, why would you be considering Square, you are clearly not the type of business it’s intended. It is not intended for volume transaction online. its a face to face, small transaction amount program.. Please explain why you considered this program to begin with. I would be very interested in you reply.

          • KPL

            If you look at their current mktng, they ARE trying to be attractive to larger customers, especially with their standalone POS option. Personally, I’ve been using them awhile, but then again I only get 1-2 cc transactions in a day. Nonetheless, the challenges with their C/S and all I’ve read here has motivated me to change to PayPal when I re-boot my e-store. Frankly I was initially attracted to Square because of the inventory management & reporting, But now PP has the same capabilities, so I’m going with the solid company, (with REAL customer service)

          • Jason

            Jason, they charge a higher transaction rate for phone and 3rd party website orders which should cover any additional risk they might be worried about. If they were so worried about risk, then I think a better option would be to put a reserve or ask for more information instead of just using the banhammer. It’s a shame since Square does have better rates compared to what my old merchant account was getting. I could care less now. I hope they are happy with all the small mom & pop merchants they have. I’ve already gone to one of their competitors.

        • John

          Same thing happened to me. I received emails from them saying that I was “cleared” to make transactions, and after the first one – which they knew about in advance – they sent me an email saying that they were terminating my account. No reason given.

          What a mess I have now! I am trying to get the money they have “on hold” in less than 90 days. What a joke.

          I called my customer and told them to dispute the charge. These guys are terrible and a disgrace to business. They should be ashamed of themselves. Anyone who works there should also be ashamed.

  • Hrothgar

    I like to think of myself as a person who gives others the benefit of the doubt. However, since I started my membership with Square this weekend, here’s what has happened:

    They have failed to deposit my money within the 1-2 days as they advertised, and promised (with qualifications, in their documentation) they would do.

    A customer paid an invoice I sent through their service with her credit card. After basically hoodwinking me into involving Squareup in my cash-flow, I was asked (via automated e-mail) to provide personal documentation of my identity, and receipts for my business — so I voluntarily provided these documents, same day. They have used my voluntary disclosure to inform their decision that my business is “high-risk.” They say that I may attempt to refund my customer his money and ask for an alternative form of payment (ie, appear disorganized or unprofessional to customers who have already trusted me with their credit card info), or agree to wait 90 days and pay them a fee for hanging onto my money for me.

    Their decision is “final” and “irreversible.”

    I haven’t gotten through to anyone in customer service yet, so keeping my fingers crossed for that, but I’m thinking I’ll let them keep their fees, damn their impudence. Whether I ever do business with them again would be in their court.

    • M N

      Close your bank account which they can access .They took money from my account without calling me or emailing me. They did not return the money for 2 years. There are several lawsuits against them .My attorney advised me to stay away from them. Several State Attorneys are investigating them for illegal practices..
      I opened my company in 2001.Had no customer complains ever. Even in this case my customer signed legal affidavits that he does not want the money back but they did not care. Close your account before they clean you out and push you to bankruptcy as they did with others. I was lucky acting fast on my attorneys advise. I went to a different bank where they had no access to my money anymore.

  • landon

    square is the worst company to deal with no way of getting a hold of anybody they hold money until a verification is done try to send more verification and no way of doing it very disappointed

    • Kimberly

      I know all too well what you have gone through. I myself started having funds withdrawn from my account in September 2013. At first I really believed they would return the money in the 30 day window they told me I had. After sending then numerous documentation from the State of Ohio, my financial information, business license and invoices I still had nothing after 30. At this point I was out $2485. Money that my small business juggled back and forth to cover. Then all of a sudden I get two emails in one day saying they had withdrawn $1600 and $500 again. I was livid. All in all, this happened six times. By then I was far too deep to recover. In November 2013 I contacted the Ohio Attorney Generals office for their help. Useless!!! They gave me a number that was to a disconnected cell phone. I called the AGs office back and was given the 800 number which redirects you to submit your issue via their website. I have a file folder that is more than 1″ thick of the same email over and over saying they would get back with me. After demanding a telephone number I was told “give us your number and specific time to call, and we will call you” I thought to myself…ARE YOU KIDDING ME? Anyone could call me and ask for financial info and I’m to suppose to do business this way? But I played along and sent an email that said “please call me in five minutes at 123-446-7890” about a half an hour later I receive an email from them saying “we tried to call your number but it was invalid”. I knew at this point I was in really really really bad shape. I took all of my emails and bank statements to my attorney and he was just as shocked as I was. Unfortunately, nothing could be done because of the contract I agreed to when I accepted the device. I could go on and on about my experience, it’s been horrible. I’ve lost everything I’ve ever worked for. 22 years in the travel industry – gone. I no longer have the financial stability that I had. My business was everything to me. I was one of the best. Even featured as one of the top agents for Apple Vacations. Everything gone in less than 5 months. I was charged with a Felony 3 Theft, received 5 years prison (suspended) probation for 5 years and with all of the fees, bank transactions, money lost from my clients trips. Jack Dorsey sits on the board of Disney and all of these huge corporations while running this useless business of Square. He needs to accept responsibility, just as I did and be charged with theft. Bottom line.

      Kimberly
      [REDACTED – contact information]

  • Cathy Primeau

    I would NEVER recommend Square to any merchant. We had a customer dispute payment on completed services and Square charged over $4000.00 back to our account. I placed multiple calls (over 50) and multiple emails. I NEVER ONCE, EVER, got a return call or resolution. I was told via email a decision would be made within 90 days as to the disposal of this issue. This was in April of 2014 and 15 months later there has never been a word from Square.
    There are far better credit card processing company’s with customer support.

    • M.N.

      I had to wait two full years to get my money back even my client sent certified affidavit to ask for release of their money to me, to their bank or to them. I am not surprised that several Attorney Generals are investigating them. There will be a big lawsuit against them. People who never had problems are going to have as soon as there will be a glitch in the Square system. There was no customer support to solve the problem. My company is over 14 years old and my attorney advised me not to do any business with them anymore. I was on a high level business conference where business owners and attorneys addressed the “square problem”. The advise was: Close your bank account which they can access and walk away. There are many companies (not merchant credit card terminals) which give the same service as Square I am using them and they pick up the phone when I call them.

  • Trudie Hechel

    We’ve used Square now for about 3 years. NEVER had a problem. Our funds are deposited in our account the very next business day. We’ve never had funds held. Many, many, many of the complaints I’ve read here arise because people are NOT using a card reader and the ampunts are somewhat high. I’m sure Square gets a bit suspicious about all these charges when no card has been presented for the sale. Non swipe transactions on our end amount to a fraction of 1 percent. If you’re going to do this type of business then you MUST consider another merchant account provider. For you to constantly bash them because you haven’t done your due diligence by reading the fine print and researching your options is ludicrous. In the right environment, Square has been, and continues to be above reproach.

    • teresa G

      I totally agree! I know for a retail merchant store Square is awesome! I think that using square for non swipe is a HUGE part of the issue and the amounts are very high from what I am reading. I am same as you, Trudie, less than 1% is keyed card transactions and I HAVE NEVER HAD AN Issue. I have had to key some cards and still NO ISSUE.

      I think square has to do better at letting consumers know that their service is NOT intended for those types of businesses and publish things that they would consider “HIGH RISK” companies. I do not think it is fair of square to let the public assume it is fine for most any businesses, but I also think most people looking for a processor needs to do their homework and find out if their type of transactions will be considered high risk.

  • Brenda Bell

    Horrible experience! DO NOT USE!
    I was a first time user. I got the square for the sole purpose of selling my paintings I had painted and collected over a two year period for an arts festival. First issue was that the square reader did not work, so all the transactions had to be done manually. Despite the setback the art show was a big success! My sales for the one day show were great! totaled almost $ 3,000.00. Only to learn the next day my money was not deposited into my account. In addition, my account had been deactivated without explanation. I tried numerous times to reach Square by phone and email. Only to realize unless you have an active a count you cannot speak to a live person at Square. I finally received one email telling me my funds would be deposited into my account 90 DAYS LATER without explanation! I filed a complaint with the BBB and have yet to receive my funds.

  • Mark Zender

    Worst service I think I’ve ever tried on the internet. I used a gift card to try deposit the cash into my account. Square took the charge (minus their fee, of course), and the deposit has been sitting there for 2 months without being processed. Basically Square stole $100 from me. I’ve sent 4 emails to support, never got a single reply. Of course you can’t speak to anyone via phone. I think I’ll report them to the BBB.

  • Regina D

    I use Square very seldom so it is easy to track deposits from Square to my account. We own a one room vacation rental and rent to fishermen etc. Anyway…I recently had two charges using Square for the rental. I received an email saying the first charge was accepted and a “Daily Summary Report” saying how much I charged. I never received a “Square has sent you” report for this particular stay. AND…the money is not deposited into my account. The customer was charged. CAN’T get a hold of Square via phone to ask for help. Sent and email, but still no reply. Hope I hear from them soon. Otherwise I will call the customer and ask them to cancel the charge amount on their card.

  • Jacob Probst

    I started using square about 2 years ago, up till now i have not had any issues with charge backs or disputes. I had a customer call in about shipping some wheels to Canada, i told him we could use square to run the transaction. His card was denied twice and so i told him i’d send him a direct invoice through squares web services. I had to post the item for sale first with square. I posted it and mailed out the item to the address he directed me to once the payment was approved through square and deposited to my account.

    Once the package arrived in Canada about 2 weeks later the customer then filed a claim with his credit company disputing the charges.

    Even though i had shipped the item to the costumers claimed address (square has no way of verifying this information / unlike paypal). and had a signed signature from the customer once they arrived from fedex. This deal was disputed as soon as the goods arrived.

    In my mind because square helped facilitate the transaction, approved the transaction and sent funds into my account telling me this is a good credit card go ahead and ship this item, they should be partially held responsible for facilitating the transaction.

    Now I’m out my initial investment plus the shipping costs at the minimum.

    Do yourself a favor, don’t download square application on your phone.

    It might not be the first transaction that causes you to lose money, it might be the 10th or 100th. But anybody that has a credit card can decide to dispute any transaction and Square does not have your back.

    They will pull that money out of your account faster than they deposited it into your account and wipe their hands clean of any wrong doing and responsibility.

    I just deleted their application from my phone and moving forward learned a hard lesson.

    Also there customer support sucks! Don’t take my word for it read other reviews.

  • Marjorie Hague

    I have lost several transactions because the square reader didn’t work, the swipe repeatedly didn’t go through. Fortunately I was able to negotiate a cash sale for them, the average amount was approximately over $100.00; the customers went to an ATM machine. I am now looking at keying in the amount, although more expensive per transaction, I am told this works. In the future I hope a better method will evolve.

  • patrice g

    Square is by far the worst company I’ve ever had to deal with. I attempted a refund which was a big mistake. I called in to have it done and was given the wrong information by a representative which caused my account to be destroyed. When I finally could reach someone on the line. They stated that the representative gave me wrong information and it was nothing she could do. Then she proceeded to tell me if I yelled she would hang up. She did. If you deal with square you know its hard to get a representative on the line. They made the mistake that costs me additional funds.

  • Alan Conner

    Square is not ready for restaurants. The problem is their sales representative repeatedly told me updates were coming. When it became obvious that the system would not work they refused to accept a return.

    Bad business practices.

  • Los Angeles Bill

    I highly resent the fact that I was effectively punished for daring not to have the most recent update of the Square app on my iPhone. I had just completed a consultation when my client asked if he could pay with a credit card. As I had my square reader, I told him that would be fine. Unfortunately every time I would try to load the app, the register keyboard failed to come up. So there I stood like a huge effing jack ass unable to process the payment. I fumbled with this for 15 minutes and even shut down and restarted my phone to no avail. I was in a weak signal area so running the 55MB update was not an option in that short time window. SO I LEFT WITHOUT BEING PAID. It wouldn’t kill them to put some kind of notification in the app if an update is necessary. When I returned to my office, I invoiced the client and am now sitting there hoping he will pay. Then, through trial and error, realized that I had to update the app to get it to work. I am extremely mad at Square right now and am considering stopping using them. I relied on them and they kind of screwed me. I will most definitely stop if I have problems getting paid for this transaction.

  • Tom Hamel

    Square’s customer service is sub-standard. IF you get them to respond by phone, they use VOIP and the quality makes it very difficult to understand what they are saying. Everything had to be repeated. The customer service actually admitted to me that it was something that they are told all the time. She admitted it! The representative I spoke to was unable to grasp the nature of my concern, which should have been fundamental knowledge for her position. The call was dropped, twice, on their end and I was the one who had to call back and go through the whole “your call is important to us” spiel. How can companies fail to understand the basics of customer service and still believe they will stay in business? It’s baffling to me.

  • First Choice Coring. Inc

    I just called to ask why you charging me 3.5%. the guy who called me back (I hope you have his name) was very rude.
    and was repeated himself again and again. when I told him that he’s still not answering my question. he hung up on me.
    it’s the first time I’m calling. and last time. because I refuse to be treated like 5 years old.
    you NOT going to see more charges from my business.

  • Jesse Bloom

    DO NOT USE SQUARE! THEY SCREW OVER SMALL BUSINESS OWNERS WITH LITTLE OR NO NOTICE. My account was deactivated after they requested additional information from me (which I offered immediately). They are holding around $1000 for up to 90 days with zero communication or warning for me beforehand. Unfortunately, that $ represents critical funds for me. They offered no explanation for their decision, though I suspect and have heard that coaching and other “spiritual or alternative” looking services they shut down. That would be the case in my situation.

    If you are a small scale start up and your cash is really critical: DO NOT USE SQUARE, they can really screw you over. I am a service based business and I charge remotely so maybe it’s fine for people who are running product and merchandising but my god, totally unreasonable. I’m done with square.

  • Debbie McChesney

    I am beyond frustrated with Squares customer service. No way to get a person on a call. Had a disputed charge that was totally bogus. Customer said they never disputed the charge. Then Square tried to sell me some protection plan for $250. Horrible

  • Lee

    After over 3 months my wife and each had our funds refunded. We had our accounts deactivated after 5 weeks for mine and 1 week for wife. No reason other than “suspected fraud”. I am licensed in Florida to do business as is my wife. I have established business in Florida. My credit rating is 810. I jumped through the hoops Square made me. I filed 27 pages of documentation as did my wife. Their response? No way Jose. Consequently I was left with no means to secure payments. Fortunately my customers understood and made it happen. They paid cash! Some actually made a trip to my office to pay. I received ZERO support from Square and the representatives were rude and condescending. I wouldn’t recommend this company to my worst enemy. They should be investigated. At the very least made to pay interest on funds held 90 days. The SEC standard is 30 days. The BBB is kind to give them a C rating. I have since found another company that is quicker, friendly, and less expensive. And their website and mobile app is easier and more detailed. So in the end I am okay. They held almost 7K from myself and over 4K from my wife for 90 days! To me that’s thievery.

    • Gladys Brierley

      Awful. We had a similar awful experience thankfully my client got her money back in 48 hours and repaid me another way. I was going along and all of a sudden they cancelled my card. No reason was given. I find them ruthless in their dealings and they also were not communicating, do not take calls and I hope they get investigated and get put out of business.

  • Sean Marino

    Nearly 3 months later, Square still has not accurately determined where my February 2, 2015 transfer of nearly $500 ended up. Neither the recipient (my partner) nor myself have received, or can otherwise access, the funds. Square, when you can reach someone in their “office”, has been completely ineffective in attempting to resolve this issue. Proceed with great caution. In all fairness, this happened only once out of many uses. However, the apparent inability to quickly rectify the situation is unacceptable. I had considered using Square for my business but I am now unwilling to take the risk.

  • richard

    I have used square for two years without any issues. This week I can’t log in and no funds have been transferred to my bank. I can’t get a customer code so unable to speak to customer service. It appears to me there is “no” customer service. I signed up for Amazon Register today as I’m sure I’ll never hear from Square again or get my money. Very disappointing.

  • Joanne Miller

    leaving square. had no problem and referred clients, family and friends, and then, bam — deactivated already sent invoices. Clients called and said they were getting error pages. Thank you Square. I’m a web developer—way to make me look like I know what I’m doing.

    My Square stores are down. My clients’ stores ? Down. Thank you Square. For making me look like a complete idiot.

    And, for holding money and NOT ANSWERING ANY SUPPORT TICKET ABOUT THE ISSUES I’M HAVING.

    GOOD-BYE SQUARE.

  • Lex Lope

    I am absolutely disgusted with Square! I attempted to call into their customer service and it disconnected me when I didn’t have a customer number. I sent square a request for my customer number 3 times in 3 days and they have tried to no answer me giving me all types of answers except the one I asked for. For a company that is one of the hightest rates in the industry their customer service is WORTHLESS!

  • Teresa

    If anyone is thinking of using SQAURE, please read these comments! Buyer beware. I had a similar horror story with Square and fortunately I was able to have my client put a stop to the transaction. My bank actually helped me to resolve the situation because they have had so many complaints and problems with other customers in the same situation as all these people here. I contacted the founder of Square through his Twitter account when all attempts to reach any customer service person failed. I highly recommend going to social media to get their attention. I noticed that anyone who complains on Facebook or Twitter gets contacted tight away. They don’t want anyone to see the negative posts so they are quick to get back to you.

    You might also want to know that Square is NOT a credit card processor but a money aggregator! They are only a middleman between you and the bank. They are not governed by the same laws as a bank. You can get a merchant account with your bank that offers virtual processing. It’s cheaper and you will have access to a banker or customer service 24 hours a day. They will not suspiciously hold your money or drop your account for no reason leaving you holding the bag.

    It’s also worth it to know that if a customer disputes your charge with Square they will just chargeback your account with no investigation so your customer gets the luxury of your goods or services while you pay for it! This is getting to be so well known with the public, there are actually people seeking out merchants who use Square just because they won’t have to pay if they dispute a charge!

    I now make it a point to never buy anything from someone who uses Square because I don’t want them to get 1 cent of my hard earned money.

    Be relentless on social media until you get their attention. Good luck

    • Connie Crowley

      Good luck to anyone dealing with Square, my testimony was posted in September. I did not have any luck with the social media. Someone had posted about posting on @Jack relentlessly to get a code for phone access. I posted on Square, @Jack, and other small business posts every 5 min. for 2 hours, then every 15 min for another 6 hours. Beyond that I posted several times daily over many weeks, I got nowhere.

    • Kimberly Pack

      I have posted many comments on this site regarding this horrible ponzi company. They have driven my business into bankruptcy, ruined my 22 year career and not to mention the financial burden it has taken on my family. I have been fighting them for almost 2 years now and have been charged with a Felony 3 because I was unable to recover the funds that Square withdrew from my account and held without returning to my client or myself. I urge anyone using this device to stop immediately and contact the FTC and FBI with open complaints. I have contacted several attorneys and none are able to take the company on due to their contract. In a nutshell, they can take money out of your account without notice and not return it EVER.

      For those of you posting about how great this company is, you are obviously a paid advertisement for this horrible company. Get a real Job!

      Kimberly

      • Chris

        Hi Kimberly,

        Today they deducted 10,000.00 from my bank account as it stated there was a dispute with my customer. Well there is not and I contacted my bank fraud department. My bank reversed the charge and I am going to get my money back…hopefully…
        So you think the FBI will deal with this? This will ruin my company since I look like a fool…I have been in business 18 years…and this is unbelievably illegal…class action suit?

        Branson is going to hear from my Royal Commando SBS partner who owns our business!
        We are connected to the heavy hitters of media worldwide and my partner won’t stop if anyone wants to ride the wave…

        Thanks Chris

    • alice taylor

      Thank you for this info! I’m unable to reach square, and based on what you stated, I called my bank. They do have virtual processing and will be setting that account up shortly. Square has been great until I needed their help. There are too many other available options to stick around for this kind of service!

  • natalia

    I wanted to share my HORRIBLE, upsetting and borderline illegal experience with SQUARE.. They claim to be a mobile credit card processing for small businesses. When I alongside my sister, Cherisse Danielle and our mother. Decided to take the leap and open our own small business, REST FOR LESS LUXURY BEDS

    I thought it was imperative to offer credit cards as a method of payment. Square was recommended to me by a friend and I took a look at the company… they claimed to be simple and fast Credit card/ online payment processing company.

    They sent me the white square reader right away and told me I could start taking payments immediately ( even before I linked our business bank account) That night we take a few credit card purchases and when the sales day was over I got on my laptop and entered all my banking information. They stated it would take 5 business days to verify my bank account.. I though okay that’s fine.. It also said I can keep taking credit card/ online payments and they would hold in my account until they bank account was linked.

    5 Business days later I got a notice that my bank account was verified, and again I could continue taking credit card payments..

    A day later I received yet another email saying they now needed more information before they would deposit any funds into my account, but the familiar notice that again I can continue taking credit card payments. The next day I gathered 13 PAGES OF BUSINESS DOCUMENTS and faxed off to them as per their request.. I sent business registration, customer invoices, supplier invoices, Business Adds, and my Bank Statement.
    Later that day I received this email from them:

    Hello Natalia,

    We’re sorry to inform you that we are deactivating your account. Our Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity.

    For further information about our policies, you can review section 42 of the Square Seller Agreement.

    We regret that, starting today, you will no longer be able to process transactions using Square. Any funds currently in your account will be held for 90 days before being released to your linked bank account.

    If you’d prefer to receive funds more quickly, you should consider refunding the payments back to the original cards and seeking alternate forms of payment. (Please note that we will refund all the fees, too.)

    Refunds are available within 60 days of the original payment. To process a refund, log in to the Square dashboard.

    1. Use the date selector tool to locate the specific payment.
    2. Click the payment you’d like to refund, then click “Issue Refund”.
    3. Select the reason you’re refunding the payment, and click “Issue Refund.”
    4.
    Unfortunately, our decision to deactivate your account is final. Due to security reasons and the obligations of our agreements with card networks and other financial institutions, we cannot reverse this decision and are unable to provide additional details.

    Again, we apologize for any inconvenience this may have caused.

    Sincerely,

    Square Account Services

    Notice there is no contact information and no phone number at all… I went online and tried to find a contact number to call them as my BUSINESS IS 100% LEGITAMATE and I am depending of MY funds to continue operations!!

    Finally after looking online, and coming across many people in similar situations I figured out that they will not give ANY phone support to anyone without an active account, they will not talk to you call you back or respond to any questions. I also came across HUNDREDS of people with the same story as me.. All upset and left without their hard earned money!

    I think it’s important to mention that we have been open for about a week and a half so pattern of transactions?! Camon!!..

    Opening a small business is difficult enough without someone holding your funds for 90 days without reason, or explanation. I have written them 6 emails, tried to contact on Facebook and all I get back is a form letter saying our decision is final. They refuse to contact me via phone.

    Square has the potential to single handedly destroy my small business, and they are also doing this to a lot of other people… I wanted to get the word out!

    BEWARE OF SQUARE!!

    Please share… We cannot let these people get away with taking advantage of the little guy!! Do an internet search yourselves too …. It is a major problem…

    Talia
    #bewareofsquare

    • Sam

      Hi Talia
      I’ve posted my experience with SQUARE before, I am just waiting Civil Suit Action for this company to occur.
      I am a small business owner too. I sell products at the home shows. We had few CC processors and one of the show we decided to use SQUARE. This was the biggest mistake in my business history. We had over 10 K CC transaction happened at the show..All swiped and sign by customers. After this, our experiment was similar to yours. Unfortunately it took us 14 months + 20 weeks (installments) to get our money back. I hope this will not happen to you. The financial damage was far beyond 13K.. not even counting emotional distress. We have attempted to write to BBB, Attorney of General, some media group and in all Social Media.. I even personally went to SQUARE head quarter in San Fransisco to talk to someone. They have 2 layers of security.. I couldn’t even pass the first one. I just told them, I need to talk to someone face to face to get my answers and eventually my money. Security personal told me there 5-10 customers comes there (similar situation) but they can not let me go upstairs to talk to someone. I had to send them an e-mail. Anyways after I refuse to leave without talking to someone from someone customers service, they called to POLICE on me for trespassing.
      There are lot more of course, but I just want to keep it short.
      I believe this company is getting protected by some politicians and government agencies. As you know Twitter guy is the one found SQUARE.

      It is hard to get somewhere with these guys..

      GOOD LUCK..

    • Michelene Geneus

      Hi Talia,

      I was reading your complaint cause I got the same answer from square. The day before they told me everything was fine after talking to a customer service person. Then I received the same letter that you got. I just don’t know what to do anymore. I’ve send them everything they were asking for. Is the funds really gonna be release after 90 days? I’m worry it’s 5500$. Did you find any solution to talk to someone?

      Thanks

  • Jordan

    My company purchased a square reader about a month ago to be able to accept credit cards to be in the now day world . I run a Landscaping company which does high end landscape project $20,000 plus. The first day I got it set up I ran a $10k charge on a customer card, everything went through no questions asked money was in my account within 2-3 days. I thought great this is going to be easy to use. Then a month later I tried to run a $12k charge for the same customer of mine. Everything went through, they took the money off his credit card and sent us both receipts for the transaction. Then a day later I get an email from them stating ‘that we need to verify your business”. So I complied and sent over the documentation they wanted (federal tax ID #, bank statements, etc…). But good luck trying to do that on their website it does not work. When you call and ask why they simply reply “well download google chrome”. Sorry No I am not doing that. I am not very tech savvy. I was using internet explore the most common used web browser in the world. So I ended up having to send them in an email. They “reviewed” my information and then sent me an email a day later stating that they reviewed my information but the only thing is they limited me to a $3,000.00 limit per transaction. The bad part is they had my customers money for 3 days floating it around and ended up not transferring the $12k to my account. And then they tell me that it could take up to 8-10 business days for them to refund the money to my customers credit card. Isn’t that fraud??

    So why on day one of me having this square account did they let me charge $10k and now a month later with no issues with my account would they not let me charge $12k???

    When I went to ask why I was limited to $3,000 I was told it was for my protection and my card holders protection. (I understand they want to prevent fraud). But I have been in business for over 8 years. I have never had an issue or compliant about credit card processing. When I kept asking the question why, it was the same answer. So I asked for a supervisor! Good luck as they don’t take phone calls. So when it comes to needing help good luck you are stuck with whoever they can find on the street to answer the phones. Customer Service is horrible at this company!!!

    I WILL NEVER USE THIS COMPANY EVER AGAIN AND WILL NEVER RECOMMEND THEM OR ALLOW ONE OF MY CREDIT CARDS TO EVER BE RAN THROUGH THEM. So companies out there that have a square good luck!!

    I believe that the FCC or feds should walk in and shut this company down for poor credit processing handling and poor customer service!!

    I have been doing business for myself my whole life and my family owns many companies and we have never been treated this way by a credit card processing company!!

    Future users of the Square good luck! Because you will need it.

  • Jared Schuren

    Square fraudulently deducted $2,504.19 from my business account stating a customer’s bank issued a charge-back that was NEVER issued. I use or used Square for my on-line invoicing. Please keep in mind that I have never had an issue with my account; no disputes, no charge-backs, nothing. I rent short-term properties and I had a customer who decided not to stay at my property and wanted a refund. We do not issue refunds unless we can re-book the property and we were unable to do so on such short notice. There for, no refund was issued. Pretty standard in the STR business. The customer decided to call their bank and state that the transaction was unauthorized, $2,504.19. Their bank, Wells Fargo, reached out to myself and Square requesting information about the transaction. Keep in mind that they did not issue a charge-back or dispute; simply reviewing the case. I gave Wells Fargo the transaction receipt and all pertinent dialogue (e-mails) between the client and myself. At this time, Square decided to deduct my account in the amount of the “reviewed” transaction. Again, no formal dispute or charge-back had been filed. The charge Square deducted did not clear my account as we keep little funds in that account. Square attempted 3 times to take the money from my account. Each time racking up hundreds of dollars in banks fees as it was messing with my pending transactions. They were successful in obtaining the money on the 3rd attempt. Again, a dispute or charge-back had not been issued by my customers bank. I reached out to the customers bank and Square. Wells Fargo was extremely helpful and also questioned why Square had deducted the funds from my account without a formal dispute or charge-back being issued. Also, Square had all pertinent information in regards to the case and claims to offer seller protection which in fact they do not. You cannot contact Square directly. You have to call, leave your number, and wait for someone to call you back. At which time they transfer you to the disputes department. My call was dropped 3 times during the “transfer” and I had to start the process over each time; call, leave number, wait for call back, transfer to right department, call drop, etc. When I finally received a call back from a person in the disputes department the way I was treated was absolutely absurd. Wasn’t I the customer? The Square employee was extremely sarcastic with me and mocked my questions like I was an idiot for inquiring about why Square had deducted $2,500 from my account and that I had questions, concerns and needed time frames. I’m running a small business, $2,500 is A LOT of money to my business or any small business. There e-mail response to my questions and repeated email attempts was, “I’ve taken another look at your account and can see that the case below is still being reviewed by your customer’s bank. We don’t have any updates to provide to you at this time. However, as mentioned, we’re expecting to hear back from your customer’s bank by 6/12/2015. Please feel free to write back in at that time for an official update”. They want me to contact them in 90 days to figure out the “official update”? How is this an unacceptable business practice? Again, aren’t I the customer? Again, I’ve never had 1 issue with my account prior; no disputes or charge-backs. Not one. Do not use Square. I’ve filed fraud against them at this time.

    • Peter

      So you should be pursuing a legal case against the customer who created the problem. Square is follow its stated policies regarding disputes. You are clearly, as many people and small business do, trying to go after the wrong entity. Go after the customer for all damages and fees. All I can tell you Square didn’t create the problem, that customer did. I have always gone back to customers , confronted the situation and looked for compensation directly. Both institution are legally working for the customer not you.

  • Mike L

    I can say there are many payment options out there. Having worked for a year there are many fees tacked on later after a few months. Common practice. Because of that I eventually started own company. There are options where you pay as you go or hook up a machine, wireless, website etc. There are processors out there “rare” that will not charge junk fees, make sure you have your money next day and get billed only at the end of the month. It is better to have the Interchange Rates as issued by the banks with a plus rate. Ranges from ballpark 0.75 to 2 percent , depending on card and Mc Visa evaluation at the end of the transaction of which card you took. Check Cards around 0.75 percent (non pin entered debit) qualified cards around 1.54 percent (low rewards attached, than mid and non qualified. Cards not swiped, Hugh rewards to customer and corporate cards. Hope this helps. Happy Easter and Happy Passover.

  • Pamela

    We are a small, family owned business, and just started using Square a few months ago. We have been very happy with the service and the opportunity to offer our customers an option to pay by credit card.

    We just received a “not satisfied” response, due to the lack of information provided on the Square receipt. While I understand Square provides limited information (date paid, amount paid, credit card type and last 4 digits), it is unnerving we now have a negative review/response due to something beyond our company’s control.

    Is there a way to remedy this? The customer marked their review as “no response allowed”. However, that is not a fair assessment of our company.

    Any advice is greatly appreciated. Thank you. Pamela

    • Carrie

      I would be very careful. If you are showing and unsatisfied even if it is there fault they will start holding your money or cancel your account and tell you that you can have your money in 60 to 90 days and then will play h**l to get your money if you ever do.. Buyer beware when using Square

    • Carrie

      I spoke with my actual bank today.. (REGIONS BANK) I do not know if you have them but. They told me that they have a lot of complaints regarding square. They also advised me that they offer the same thing with a pay as you go merchant service. They qualify you at the start so there is no waiting for your money and no limit on the amount that you can do every month and that your service is good from your first swipe. No contract and your fees are less then square and available the next business day.. Your bank may also offer the same service.

  • Nay Nay

    Horrible, Horrible company and rude, uneducated no class customer service reps.
    My situation: Graphics and Printing Company, To make my story short customer was dissatisfied with flyers we printed for him, keep in mind that it was his art work. so he paid a total of $369.00 or so… Customer called his bank and Square and told them we somehow got a hold of his cc information and charged his card without authorization! Like really?? WDF?? So they charged my account and withdrew the amount of 369.00, then i called and then sent the proof they needed and they replaced the $ , poof problem fixed? NOT! so that weekend I got hit with a NSF, because we always transfer $ from that account to other account. I called them yet again, yes with stupid pin # they request you get before calling… , They hit my account again, and again I get a NSF, called them and they claimed that they will continue to charge my account until they get that money back, and I won’t receive it until they settled the dispute that is going on, keep in mind I already sent them a copy of the invoice customer signed and dated, where it clearly says we are not responsible for your own artwork . So basically they hold on to your money until wenever they want, claiming that his bank denied my claim because the invoice signed by him is not enough proof. So in the meantime they will continue to charge my account and they will not any shape or form be responsible for any bank fees my bank throws at me!!! Fellow business owners, beware please don’t accept SQUARE!! ITS A TOTAL SCAM COMPANY TRYING TO DO MONEY LAUNDRY WITH YOUR HARD EARNED MONEY!!!

  • Lee Akeley

    They closed 2 accounts of mine without warning and after lengthy and detailed report on my business with documentation. They are currently holding almost $1600 of mine for 90 days. NO communication. Non-existent customer support, thuglike behavior, and godlike attitude. This company should be shut down by FCC/SEC

  • Moraga Numismatics

    Four and a half weeks ago a $500.00 purchase was “approved” by Square. I did not received an update to my account record and my bank account was not credited. I checked my transaction record and found that the transaction was “cancelled” without notification. I finally talked to a service representative who gave me some gobblygook instructions on how to allow Square to check into it. I tried 3 times with no success.

    Beware of a company who can cancel a previously approved transaction without recourse.

  • Emma

    This is my fifth year using square in my brick and mortar store, and I’ve not had one problem. However, I did a lot of research first. The iPad POS system is equal to systems you could pay thousands to set-up and a monthly fee after that, and you can get it for free. I have recommended Square to other local businesses and no complaints.

    • Corky

      Emma – I think most people on here had an excellent report with Square and like yourself with no problems. But the biggest problem is, one day square just up and deactivates the account, no notice, funds held, etc, etc –

    • Gabriel

      Nice.

      Square service is so deplorable that the company has to plant fake comments. This user’s comment that:
      “The iPad POS system is equal to systems you could pay thousands to set-up and a monthly fee after that, and you can get it for free.”

      is echoed word for word by a user titled “Pete Abele February 27, 2015 at 12:14 pm” earlier in this thread.

      I feel for you business owners who have been scammed out of your hard earned money from Square.

  • Elaine Stonemark

    I had a retail store and used Square. I went out of business on March 31, 2014. I informed Square. The new owner of the store started April 1, 2014. Evidently the new owner used Square for only one half of April and then switched over to another merchandising card. GET THIS. I receive a 1099 Form that shows for January, February, March and one half of April. BUT GET THIS. My business was completely terminated with my bank, the state, and federal, and I DID NOT RECEIVE THE MONEY FOR FIRST HALF OF APRIL in my bank account. The new owner received the money in a completely new business, with a new bank account, with a new FEIN number and with notification to Square of the change. Evidently if the business is in the same location with the same name, they just consider it the same business … DUH … Trying to reach them is hell. Many emails … finally reach an employee who says the problem will be ESCALATED to someone higher because I requested it, but then only get the same employee again who says SQUARE CANNOT CORRECT FORM 1099’s. WHAT? … They tell me my tax accountant has to fix the problem. WHAT? I tell them there is a box on the Form 1099 for a corrected copy … they just need to send out two forms to the appropriate owners. I would not recommend using Square and going through the ropes like I have been going through. I THINK IT IS A SCHLUCKY TYPE OF BUSINESS WHO IS JUST TOO LAZY TO DO WHAT IS RIGHT OR PERHAPS EVEN TOO DUMB TO KNOW WHAT IS RIGHT … You decide …

  • Simple Hotel Solutions

    I have taken 2 credit card payments.. I rarely get credit cards in my line of business but once in a blue moon I get asked to. First payment went through without a hitch and it was for a large sum of money. Second amount was 575.00 and they are holding for 90days. The notice said due to high risk of fraudulent activity we are canceling your account and holding your funds for 90 days.. Really What fraudulent activity I have a business license and a tax ID and have never had to give a refund… What a joke…

  • Chelsea castillo

    I used square for the first time to sell an iPhone 6 128 gb , I communicated with the buyer via text and phone conversation and we agreed to meet in a public place (mall) and to use square for 3rd party sequiturs that’s in case someone tired to scam me. Turns out square isn’t like PayPal which is what I usually use, the “buyer” opened a dispute and has my phone. It’s been 4 months and still haven’t gotten my phone or money. I would recommend everyone to please stay away from this company. Bunch of theifs

    • Chris

      Your problem is with the customer not square, if you accept a card you always risk a charge back, if it’s fraud open a police report.
      Square’s responsibility is to the card user not the merchant (as are all card companies).

  • Pete Abele

    This is my fifth year using square, not one problem. However, I follow the rules, and I read the disclosures. In fact they have called me. I can’t believe all the people who use the system incorrectly and have a problem with the company when it goes wrong. Truly they should be on a cash transaction system only. Please people remember, it’s protecting your customers against fraud, not you! The iPad POS system is Equal to systems you could pay thousands to set-up and a monthly fee after that, and you can get it for free. For the businesses that have not fully investigated Square, and read all disclosures first, it’s a lesson learned. I have recommended Square to customers an local businesses and no complaints.

    • Teresa

      Either you are a ringer or you have been unusually lucky. Either way I simply don’t believe your story. If this is such a reputable company, why don’t they have customer service number like Paypal or Intuit? Don’t you find it a bit strange that a financial company (which by the way, is not governed by banking laws) has no way for its customers to contact them? Do you really think that all of these stories are from people that don’t know how to do business. That’s ridiculous. This company is a fraud! And by the way, can you explain why they pay back money they withhold in monthly installments? If they held the money they should pay it back in one lump sum back to the account it was held from. Seems like a case of borrowing from Peter to Pay Paul. They are just moving money around and it’s catching up with them.

      Richard Branson is a big investor in this company so I think that people should start boycotting Virgin products to make themselves heard.

      Another problem is that people are finding out that they can buy anything from a merchant that uses Square and they can dispute it with no investigation. The money is just automatically deducted from the merchants account with no notice, no resolution (remember there is no phone # to call) Merchant is just out of luck. I refuse to do business with a merchant that uses Square because I won’t give them on red penny of mine. A lot of people are also doing the same!

      If anyone is considering this company, save yourself the money and the inevitable heartache by using truly reputable companies. there are so many options out there that are less expensive and really user friendly. t will be the best thing you can do for yourself and your business.

    • Sandy

      As a customer I hate Square. I have never given them my email address but without my knowledge they somehow have it… Merchants are allowed to give it to them and select to email a receipt without my permission and I hate that I am not in control of my own information. I also hate that I cannot contact Square to have my information removed. The website will not give me their phone number even though they’ll accept all kinds of information about me without my permission. I hate the liberties this company and merchants who use it force on innocent customers who don’t know it until too late that their information was handed over.
      Our privacy DOES matter

      • Nancy von Seggern

        I don’t know why any merchant would send your info to Square. As part of the transaction the customer is asked if they want a receipt via text or email… or no receipt. My customers choose their receipt receiving method. I test Square from time to time and have never received an email or text from them on any of the accounts I have chosen for my receipts and have never had a complaint from a customer either.
        I have been using Square for over 5 years now and it has been nearly flawless! As a traveling vendor I love that my customer can use their cards confidently and I don’t have to stop my day and run end of day reports or transfer funds. Square takes all the hassle out of accepting credit and debit cards.
        Personally I am not thrilled with their politics that have slithered into their Square Seller’s Agreement but I do not violate their “policy” and therefore live with it.
        Truly, I have never had any real issues with their whole set up and have found them very easy to work with.

    • Ruth

      I have used square for 4 years and love it, haven’t had one issue. My transactions are usually less than 50.00 so I have on issues. The company I used charged me so much. This company works for me, May not be a good fit for small business who handle large ttransactions.

  • James Sagerser

    I’ve been with the Square about 2 years now. Here’s the good and the bad; It was a little frustrating when we first started due to the Square holding on to our funds with the larger purchases. We rent cabins in Alaska and occasionally we would get a larger deposit of $2,000 plus and, per their policy, would withhold our funds up to 30 days. Secondly, it was also frustrating not to have a live person we could call for questions or issues. The good part, and it’s very good, is the Square did eventually remedy the withholding by raising our limit so it’s no longer an issue. Secondly, we have had only has one dispute in the 2 years which was eventually handled by a live phone call to a representative at the square. This call was easily arranged by email to start with a request to speak to a live person. Our account was assigned a code and given a toll free number to call. I gave the person the code when I called and was immediately transferred to a person who found a solution to the problem (double billing by the customers bank) and fixed it in one day. In 2 years, the Square has been extremely accurate with our account and deposits our funds in our account within a business day or two. The fee schedule is strait forward with none of the aggravating tier levels that other card processing companies use to constantly abuse you resulting in elevated, unexpected fees. This is a great company if you play by their rules; ask for an increase in your limits when they get to know you and go through their channels when you need to talk to someone. If you can wrap your mind around those 2 issues, you’ll be really please with the Square.

    • Kimberly

      James,

      I have been battling them for almost two years. I have complaints filed with all the BBBs known to me including San Francisco, Kim is the vp there. She knows my story first hand. My complaint with the FTC had gone investigated and the Attorney General of Ohio (my home) and California are useless. They claim they can not help because wet are not consumers, we are small businesses. My class action suit is not allowed because square had a clause in their contact staying they can not be sued by a group and Amy complaints had to be tough arbitration via emails and you know how that goes. In October 2014 I was charged and found guilty of a felony 3 because square never released thousands of dollars die to my business and my customers filed charges through the Attorney General. I had to file bankruptcy, lost my career of 22 years and currently on give years strict probation. Not so much of a ticket and now I have to be in my home by 9, report every day to my probation officer and nit even a glass of wine with dinner. I’m 48, been hospitalized twice, unable to find employment with the felony record. I guess what I’m trying to say is, I’ve tried everything to have them held responsible and nothing had worked.

  • M.N.

    My corporation was opened in 2001. Never had any complaint as we only charge after our service was finished and accepted by clients. I used Square for 2 years when I receive an email that they got a complaint. I found out from the amount who the client was and I called them. They never complained. They felt so bad that they sent a certified letter to Square and went to their bank to make sure the founds are released to Square. The founds were at Square. They could not reach anybody on the phone.I could not reach anybody on the phone. Nobody picks up the phones at Square. My clients sent a certified and notarized letter to Square to release the founds to me. Nothing happened. On 4/2012 Square wrote:”We are committed to responding by the next business day, so you will hear back from us soon. We take all matters regarding your funds very seriously, and with your cooperation we anticipate a quick resolution of your case. ” This was in the spring of 2012.After all these I received an email from Square that they cancel my account ” Your business is a prohibited business, as defined by Section 6 of the Square Seller Agreement. Therefore, Square cannot accept payments related to your business. ” I am a business analyst working with algorithms. What is prohibited on that? Our business has a 14 year A+ reputation. We pick up the phone when clients call, not like Square. Now 1/2015 I received back from Square the $300. Over two years of investigation needed for them to determine that the notarized letter of my client was original. This company SHOULD BE INVESTIGATE. They make you comfortable and they hit you when you do not expect. A business attorney advice us to close our bank account and open in a new bank as he was representing other clients where substantial amounts disappeared from their accounts. Be aware. A good business is not afraid to talk-to customers. Call them. You will see with your own eyes. There are other reputable companies providing the same services who pick up the phone. Do you really need the 100+ hours headache as I had, for no reason?

    • Mary

      I am so very nervous to get the Square after reading all these reviews , I don’t know what to do. My husband is a master plumber we own our plumbing business,I handle the calls and he does the work, It is only my husband and I , Small bus. I also checked EMS + that had lots of bad reviews. So any input would be greatly appreciated. Some reviews I have read on this site say there fine , but there are more negative then positive.

        • Anthonhy

          I had a problem with paypal when i was a power seller on ebay. Got scammed by someone who said they didnt recieve a laptop i sent said box was empty paypal took all the money off my account and shut me down. I have had square now for about a year and a half. I do alot of small billings under $1,500 every once in a while ill have a bill for $3,000. Im an electrican, not a “business” per say just a self employed guy working every day to make a living. I have not had any problems with square . Last year i only processed about 12k this year im at about 17k and will be around 30k in credit card sales. so far so good. makes me a little nervous ill just be keeping a close eye on my account

    • Bill

      Mary, I am a small home remodeling contractor. I use the square for a year then DEC of 2013 I had a client say she was out of money and did I take credit cards? I said sure not having any problems in the past. However this transaction was $6000.00 dollars I was not aware that they had a $2400.00 limit! They froze it 2 weeks before Christmas! It was 2 months of Hell after that. They have no customer service it was emails and they wanted bank statements, tax id,licenses ext… I gave it all to them and they still would not release funds! I finally had my customer call her credit card company that had been charged and dispute it. I ended up going bankrupt 3/3/14 over these con artist! DON’T USE THEM EVER! PLEASE!

      • Mary

        Thank you for your response, We are not going with the square . I had my husband read all of these reviews also. We are going to look into pay pal, intuit, Iam not sure about these either. We will look into it.

  • Sam

    WOW!!! I thought Square sounded like a great service to access CC for customer convenience. I was trying to set up account, but wanted to talk with someone – COULD NOT locate a telephone number and I had to sign in to access contact …. STILL NO TELEPHONE NUMBER! Then did a search and found this site.

    So sorry to read these horrible business nightmares! Instead of making it easier for Small and Independent Businesses – they are exploiting them!

    Changing T&C AFTER they have your accounts, personal information and data is fraud. Report them to your BBB and State / Province Consumer & Corporate Departments.

    Thank you for your sharing your heartwrenching stories I truly hope each of you gets your money ASAP.

  • Ramzi Kanso

    Absolutely the worst customer service and company I have dealt with. You should be aware that once you are set up, they can (at random) hold your money for up to 90 days (they do not disclose that during “the easy” sign up process).

    I guess they figured a way to squeeze more than the 3% by holding my money.

    To my surprise they wanted me to send them so much documentation including my CHECKING ACCOUNT statements!!! unbelievable! I am not applying for a mortgage here, and I already did the $1 process that should have proven to them that the checking account is legit and exists. I sent SQUARE my IRS filing / EIN for the Business and the renters lease to prove to them that the transaction is payment from one of my renters and I get back a rejection and they are going to hold my $1900 for 90 days! really! they must be desperate to make extra interest income by holding my renter’s money for 90 days! NICE!!! This is crooked dealing.

  • Rob Graham

    I charged $35,000 over 60 days with my advertising agency. I have a large monthly bill and figured this would be a way to extend my payments during the tight times. Well into the charging, my advertising agency started getting NSFs. Upon checking the deposit account, it was determined that the Square had stopped making payments that had been no problem before.

    The agency had no notice from the Square that there were any problems. There were no pop-ups stating that verification information was necessary to process. Nothing at all. It wasn’t until both of us called Customer Service through MY SQUARE ACCOUNT that we could even talk to a human being. They promised that it would be the addressed urgently. They did not give us a direct phone number to speak with a representative. They did not allow us to be transferred. They would not give us a direct email.

    It is now almost five days later. Over $35,000 is “deferred” meaning that my ad agency cannot pay its bills. I can’t do a charge back because that will only hurt the agency’s rating AND it will not free up my cards to pay while the matter is in dispute.

    I am planning on filing a class action lawsuit in the next few days. I have no doubt in my mind — since my cards have all been charged, that Square is depositing these funds and making interest in the interim while causing damage to my advertising company, giving me a black eye and causing NSF’s to accumulate. Enough is enough!

  • Kim

    My mother has a bail bond service. She used square until square found out she was a bonding agent.Square told her that was not the type of business they wanted to be connected to. I thought money was money.

  • Amanda S

    I use Square daily in my main business. I have as mall salon space that I remt, and the majority of my clients pay with a card. I’ve had it since June and all has been wonderful.
    I also sell Scentsy and had done a vendor show in November. I created a new square account with a different email address so that I could differentiate. Plus, my Scentsy money goes into my personal account vs my business account. I only had 1 person pay with a card. Went through, fine, no big deal. It was roughly $11. I never got the deposit. Then earlier this month I had a customer make a purchase and I tried to use my Scentsy square account to charge her card. No go. I log into my account and it said my account needs to be activated before I can accept payments. Weird. Finally yesterday I get around to contacting them, and this is the response I got today:
    Hello Amanda,

    Thanks for writing in. We understand that it can be frustrating to have your account deactivated. Unfortunately, our review concluded that we cannot support any Square accounts for you or your business.

    You will need to find a different processor if you want to continue accepting credit cards.

    ​Thank you for understanding.

    Square
    Square Account Services​

  • diamon

    I would like to speak to a person regarding my settings.

    They do not have a contact other than 415-375-3176 which I had to search for . . ..

    DO NOT use SQUARE. The customer support is non-existent.

  • burn

    I am an owner of a tattoo shop and we use square services..
    Square decided to deactivating our account for no reason…I got an email saying. “Our Account Services team reviewed your account and found a pattern of transactions associated with high-risk activity.” ?????

    they do not have any number to reach, just by a stupid email form that they never reply to it.. my money got frozen and I can’t access…
    any solution?

  • Ben Cerise

    I’ve been using, and happy with square for quite some time now. However, they’ve been withholding a payment of mine for 7 days. They claim they need me to provide information and documentation about my business before they transfer future payments. They want a detailed description of the services I provide and how I advertise. (I’m a building contractor). Really? How I advertise? How does not knowing how I advertise (among other things they’re requesting) give them grounds to withhold funds? They may as well be asking for the color of my underwear. None of their business and my advertising has nothing to do with services they provide. In their text boxes I copied and pasted the same thing in each one “I’m going to talk to a lawyer about your company withholding payments for services I’ve rendered.”. Hope they get with the program.

    • Bill

      Ben, I am building contractor that had used them for a year. They blind sided me and
      held $8600.00 2 weeks before Christmas 12/6/13. It left me broke! I could never reach a rep and
      when i finally got a email response I had to send all my business info tax id,bank statements
      on and on!!!!!!! I finally had to call my customer and have them reverse charges. That worked on one but not the other. I never got paid and it finally led me to bankruptcy 3/3/14
      WORST COMPANY EVER!!!!!!!!!!!!!!!!!!!! I WILL GO TO MY GRAVE MAKING SURE ALL KNOW THE TRUTH!
      Thanks!
      WTL Home Improvement.

  • C Cmpton

    HORRIBLE HORRIBLE HORRIBLE! my first 4 transactions were with the same customer so they froze my account and held a $2000 sale because they needed “additional information”. This hurt my business. We are small and that’s a lot to have “held” for no good reason. Once this deposit is finally released I will NOT be doing business with them anymore

  • Jim Sagerser

    The Square seems to be a reliable service provider from processing cards however was ZERO help resolving a payment dispute although I had a signed receipt and email from the customer acknowledging the transaction. This “dispute took 6 months! Don’t believe their “we’re on your side” propaganda. Would rate their customer service a strong “F”.

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