Square Credit Card Processing Reviews & Complaints

square credit card processing logo
Overall Score
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How did they treat you?
Pros and 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


In this review of Square, we will provide a detailed overview of the company's credit card processing and business management services. We will cover the range of services they offer, including point-of-sale (POS) systems, mobile payment solutions, and e-commerce capabilities. The review will identify the types of businesses that might benefit from these services. Additionally, we will examine client and customer reviews to highlight common trends and potential concerns. The article will also address the company's pricing structure, contract terms, and specific features provided. By the end of this review, you will understand whether Square meets your payment processing and business management needs.

About Square Credit Card Processing

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).

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

With over 2,300 comments on this site alone, Square has amassed a significant number of complaints, primarily about limited phone support and fund holds. The company’s approach to resolving online complaints has also been questioned.

Square / Block Lawsuits

  • In 2018, Square settled a lawsuit regarding its food delivery service “Caviar” for allegedly withholding gratuities, agreeing to a $2.2 million settlement.
  • A 2019 lawsuit accused Square of mishandling medical payment information but was later dismissed with prejudice.
  • An ongoing class-action suit challenges Square’s practices of holding merchant funds deemed high-risk.
  • A 2021 lawsuit against Square and others alleges price-fixing over interchange fees.
  • Another significant 2021 suit targets Square CEO Jack Dorsey over claims that Twitter’s user data practices benefit Square. The outcome of this lawsuit could have major implications for Square.

Square Customer Support Options

Square’s customer support primarily utilizes email, online forums, and social media. While there is a phone number for customer support (available 6 a.m. to 6 p.m. PDT, accessible here), accessing it requires a code from the Square website, limiting its convenience.

Only Active Accounts Get Real-time Help

Phone support codes from Square are available only to active merchants, leaving those with deactivated accounts without direct phone access. Merchants in need of consistent, full-time support may prefer a conventional merchant account provider.

Long Wait Times

Merchants often wait days for a response from Square, and many have reported inadequate resolutions to their issues. The lack of direct phone support for such a prominent company is a frequent point of frustration in reviews.

Beware Square Phishing Scams

There have been reports of phishing scams impersonating Square, targeting non-users with emails about non-existent accounts and payments. It’s crucial to recognize these as fraudulent and unrelated to Square. Suspicious emails should be forwarded to [email protected].

Square Competitors & Alternatives

As an alternative to Square, we recommend Helcim. Helcim provides a user-friendly mobile payment solution, month-to-month contracts, no monthly or annual fees, a dedicated customer support line, next-day funding, low processing fees, and QuickBooks integration. Highly rated for years, Helcim offers a smoother customer experience compared to Square. Read our full Helcim Review for more information. For high-risk businesses, check our 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

Square is known for its straightforward pricing structure, which is particularly attractive to business owners for its absence of traditional merchant service fees. This includes no activation fees, monthly fees, gateway fees, PCI Compliance fees, downgrade fees, and early termination fees. Outside of transaction fees, Square does not impose additional monthly charges, ensuring no cost is incurred by business owners in periods without sales.

Fees by Transaction Type

Square offers affordable options for processing equipment, such as the magnetic stripe card reader, and recommends the chip card reader for a low cost of $49 to accommodate the shift to chip cards in the U.S. The company maintains a uniform processing fee structure across all merchants utilizing 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

While Square’s swipe rate is higher by approximately 0.80% compared to rates achievable with a traditional merchant account, and the keyed-in rate about 1% higher for similar industries, it offers competitive rates for new businesses. Established businesses aiming for reduced fees might consider our independent statement audit service to uncover and eliminate hidden processing costs.

High Volume Businesses, Heed Caution

Despite not verifying the credit history of prospective customers, Square implements advanced systems to minimize fraud losses. It claims no transaction limits, which has been contested by numerous reviews pointing out that large or frequent sales may prompt funding holds. The specifics of these policies are not transparently communicated in advance.

Square’s Previous Rolling Reserve Policy

Until November 2013, Square enforced holds on funds from card-not-present sales exceeding $2,002 within a seven-day period. This policy was confusing due to the lack of preemptive communication about the limit. Square has since updated its stance, stating there are no processing limits, yet this assertion does not fully align with merchant experiences.

Square’s Current Fraud Triggers

Square now uses undisclosed algorithmic “risk factors” to flag transactions it deems suspicious, which has led to complaints about legitimate transactions being held for extended periods without clear communication. This approach causes uncertainty among merchants regarding transaction security and account stability.

More Transparency Needed For Risky Transactions

Square’s handling of funds from “deactivated” accounts, as opposed to “active” ones, allows it to claim it does not hold merchant funds. However, the lack of clarity and communication around its risk mitigation strategies poses risks for merchants, especially those with higher sales volumes. Improving transparency and communication could significantly enhance Square’s service for these merchants.

Some Minor Improvements Could Raise Square’s Rating

Square offers appealing pricing, contract terms, and processing solutions for many merchants, with no monthly fees or long-term contracts and a straightforward signup process. Nonetheless, the impact of sudden account deactivation on a merchant’s operations limits the company’s rating in this area. Enhancing risk management processes could improve Square’s standing among merchant services.

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 an excellent card processing option for entry-level and low-volume businesses. Its primary appeal lies in its simplicity and accessibility, offering an easy credit card processing solution with no long-term commitments and no monthly fees. This makes it an attractive choice for those who need a straightforward and cost-effective way to accept card payments without the burden of extensive contractual obligations. However, despite its user-friendly nature, several reviews from high-volume merchants highlight significant drawbacks, particularly regarding murky fund-holding policies and subpar customer support.

For individuals or small business owners with an occasional need to accept credit card payments—such as babysitters, flea market vendors, or small retail and restaurant businesses—Square proves to be a fitting solution. Its ease of use and lack of ongoing fees cater well to these types of users. Conversely, merchants dealing with high volumes of credit card sales or selling high-ticket items may find Square less suitable. The issues reported by these users suggest that while Square is ideal for low-volume transactions, it may not adequately support the needs of larger operations or those requiring more robust support and clear fund management practices.

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Testimonials & Complaints

How Did Square Treat You?

1096 User Reviews

  • Michael rodd

    Mikath personal services

    Absolutely the worst experience if my life – square is holding my funds because they want to.. there is no chargeback – they claim they want me to provide a massive amount of information to them “in case of future incidents”
    They are holding the money intrest free for as long as they deem necessary
    Customer service calls are answered outside the united states and the representatives are very hard to understand and have no idea what they are talking about
    It is clear they are just reading a script from the computer
    Square claims they do this to protect the business and the customer – yet they have no complaint from me or the customer
    Plain ans simple they are ripping businesses off by holding accounts for review intrest free for up to 90 days

  • 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


    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.



    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

    • Stephanie


      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


    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.

  • 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 .


  • 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

    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.



    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.

  • 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!


    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



  • 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!


    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


    • 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.

      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


  • 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.”

    This post will help: Best Healthcare Merchant Accounts

    • 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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  • 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

    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

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

  • 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.

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

  • 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.

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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.

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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!!




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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


    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


      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

    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.
    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…


    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.


  • 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


    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.


    • 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.


    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


  • 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”


  • 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

    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.
      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.
      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.
      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

    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.

  • 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 …..


    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 !!

  • 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.



    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 !!!


    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

    • 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!


    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


    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.

    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.


    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:

    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.


    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!