Square Credit Card Reader 2023: 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.

Square Review Video Summary

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 for Uninterrupted Operations

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 for Diverse Products

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 Businesses

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).

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).

Square Customer Reviews

Here's What Their Clients Say

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

Square 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.

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 Online Ratings

Here's How They Rate Online

Online Ratings Summary
Item Result
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
Item Result
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
Item Result
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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Your Comments & Reviews

How Did Square Treat You?

2224 Responses

  • 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!

    • Squares was a decent company. if they reorganize their finances, they’d probably be OK, but other. than that, what they’re doing is fraud.

  • Tony


    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!

  • 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??!

  • 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.

  • 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.



    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


    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


    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

    • 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

  • 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


    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!

  • Thomas Novak

    Idaho premiere

    Square is an absolute trash fire with illiterate, rude employees and the worst refund and dispute time legally allowable.
    To note, I have processed over 700k through Square only to find they don’t have proper measure in place to prevent fraud nor are they cooperative in aiding you to receive a refund, etc.
    They also charge 2x more fees that you’ll find anywhere else.


  • Elizabeth McQueen

    We got square for the same thing they are holding my funds. I will never use square again and I will never tell anyone to use them

  • 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.

  • Literal bullshit
    They wouldn’t take my SSN FOR WHATEVER REASON???

  • R a D


    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.


    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 .


  • 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

    1-877-FTC-HELP (1-877-382-4357), or use the complaint form at

    California Attorney General:

    ADA- How to file a complaint:

    To file a complaint with the BBB:

    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.

  • Earl

    My taxi

    This company should be investigated and the ones running it put in prison! They basically stole my money! Been a year and still can’t get my money.

  • Earl

    My taxi

    Been holding my money for a year. Won’t let me talk to anyone. Stay away.



    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

    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.

  • mickey L koelling

    Commercial Recovery Specialist

    Very poor customer service real clowns for what they charge. Beware they are a horrible company to be involved in your finances

  • 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.

  • Nathaniel Pownell

    Withholding $2,000 for “possible fraud”. Trying to get my business started but they’re screwing up my operation.

  • Their withholding 20 k

  • 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.

  • Samuel Cipolloni

    They are the worst company that I have ever dealt with. Impossible to get a live person on the phone. They hold your money for no reason

  • 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

  • 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.

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