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Square Review

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Square Review

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Taking $3,000 per month or less in card payments?

You’ll save with Square

Date Established
2009
Location
San Francisco, CA
Melissa Johnson

Melissa Johnson

Melissa Johnson has been writing about payment processing and mobile payments since 2014, and has been quoted in articles for Credit Karma and The Next Web, among others. She graduated from The University of Kansas in 2010 with bachelor's degrees in English and journalism.



To learn more about how we score our reviews, see our Credit Card Processor Rating Criteria.
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538 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Chuck Malta

    I have a new business I started where the vast majority of my orders need to be processed CNP (card-not-present) over the phone for the time being. Square is looking kinda appealing to me because they have a virtual terminal and they seem to really push it hard when you signup for an account. Since I signed up for an account with them, they’ve sent me 2 emails with a link to test out their virtual terminal.

    However, I’m very suspicious because I know other processors frown upon too much virtual terminal usage. I’ve afraid square will freeze my account and steel my money if I use their VT too much.

    Can anyone verify if square does in fact freeze accounts that use the virtual terminal excessively (excessively meaning a certain % of your total charges)?

    From all the horror stories I have read here and elsewhere with Square (and Stripe) freezing accounts for seemingly no reason, I’m hesitant to even use a 3rd party processor anymore. But I really don’t want to get a merchant account until I know my business is going to be worth the hassle and expense.

      Jessica Dinsmore

      Hi Chuck!
      Nothing we’ve encountered indicates that Square comes down hard on businesses that use their virtual terminal as the primary means of processing. However, if you are worried, you can also use the invoicing feature for the particularly big transactions which will help mitigate some of the risk.

      As far as merchant accounts go, there are actually a couple of options that would be reasonably priced with no long term commitment. I would STRONGLY suggest you check out CDGcommerce, which I think is going to be a REALLY good fit for you. They just redid their entire platform (our review will be updated soon, but isn’t up to date yet). They have a flat-rate rate plan that will be pretty reasonable to start, and when your business takes off you can switch over to a merchant account seamlessly, because CDG will already have your processing history. Payline Data or Dharma Merchant Services are also excellent options to look into. Good luck!

        Mark Newman

        We had $5,000 stolen out of our Square account over the weekend. Square has a feature called “instant xfer” that allows you to enter a debit card and have your cc processing funds instantly xfered to that debit card for a 1.5% fee.Over the weekend someone hacked into our account, added a debit card, xfered out $5,000 and stole our money! Square has no phone support, so you have to email. In the past 2 days they have responded one time with an email saying they are “looking into the matter”.We just got scammed out of $5,000 and they won’t even help us. They also put a block on our account so all funds are frozen for 90 days!!! This is unreal.

        1
          HQ offshore

          Organization Name: HQ Offshore

          We signed up for square credit card processing 2 years ago, We were told that our account was accepted and we could begin processing credit cards. after we billed a few clients we were waiting on deposits which square states we should get in a few days. Yet after a few weeks we could not get the bank account connected. After contacting support numerous times, square stated the bank accounts were incompatible. We then asked square what banks are they compatible with, They responded by stating they were not at liberty to discuss that data. With over 3k stuck in the account, and waiting for numerous square cards that were supposedly shipped yet never arrive. We decided to try one more bank account. By a miracle the square system automatically approved the account and funds were finally disbursed, We were very happy but that is when the nightmare began again , we get an email immediately by square account services. Actual email ” Hello Maria, I’m reaching out to let you know that I just tried giving you a call about some unusual activity we’ve detected on your Square account. Please let me know a good time to call you back (and the best number at which to reach you), so I can help you sort out this matter as soon as possible. Feel free to continue processing payments in the meantime, but take note that deposits will be withheld until we are able to connect with you. Amina Square Account Services******end email This was On October 27th, Therefore we figured this is just routine, they just need to make contact and all will be ok. and as instructed we continue to process credit cards. Finally around November 7th we still do not hear from Square account services, even after responding to their initial email giving them a good phone number and contact time. We then proceeded to write an email every subsequent day till we got on the chat and they gave us a customer code to call in with. We then began contacting this number constantly as account services we either not available or their systems were down. Finally around November 11th and 5K in customer transactions later ‘ Square account services responds with a barage of documents requests which took us 1 whole day to gather. Then we submitted the request the very same day. Only to get this email 2 days later: Actual email: Hello Maria, 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. What will happen to my account balance? Any funds currently in your account balance will be held for a period of 90 days and released to you on February 10, 2020. They’ll be available in your bank account within 2 business days. Though each bank’s policies are different, funds are typically shown in your bank account 1 business day after they’ve been deposited. You’ll receive an email as soon as we’ve sent your funds to your bank. The release date and amount available for release are subject to change if you receive additional chargebacks after this notice. If you receive chargebacks on payments unrelated to these funds, there will be additional debits from your bank account. I’ve received payments in the past few days that haven’t been deposited yet. What will happen to them? We recommend that you refund the payments back to the original payment card and ask your customer to pay you by another method (cash, check, etc.). The full payment amount will be returned to your customer. You’ll be able to issue refunds within 120 days of the original payment date. Learn more about issuing refunds here. You can learn more about our policies in the Square Payment Terms. Sincerely, The Square Secure Team end email*********** I then went to refund my clients and again I find I cannot issue refunds. These scammers must be stopped, I will also be filing a lawsuit

          1
          • Organization Name: HQ Offshore

          This comment refers to an earlier version of this review and may be outdated.

          We've done in-depth research on each and confidently recommend them.

          Aaron Kaeb

          Organization Name: Heidi's Farmstand and Bakery

          After 4 years of using square for Farms markets and 2 years in our retail store I have been very happy with the product (POS and card processing). The Square register is good looking, provides a quick and easy transaction. I routinely have clerks running 80 transactions/hr on busy days. I have found the 2.75% rate to be very competitive with other processors i have used in the past. I have used payment depot and CPN. There has been almost 0 down time with processing cards.

          5
          • Organization Name: Heidi's Farmstand and Bakery

          This comment refers to an earlier version of this review and may be outdated.

          Donna

          Organization Name: House of Burlesque

          I have had a really bad experience with this company after being with the company using their service for over a month they decided I was prohibited from using square and suspended my outstanding balance owing to me in which I worked for $568.87 they are keeping.They only have call centres so you can not talk to anyone due to it being a overseas company The receptionist that I did talk to could not give me any information to why I was deactivated ?? and on top of that she was very patronisingI am taking this matter further I would highly recommend not going with this company as if they decide at any given right to deactivate you it could be a month or a year they keep your money

          1
          • Organization Name: House of Burlesque

          This comment refers to an earlier version of this review and may be outdated.

          Emily Hale

          Hi there!

          Unfortunately, you’ve run into the same sort of situation that other terminated Square merchants run into. Square as a rule doesn’t disclose why an account is terminated and won’t give that information to customer support reps either. However, a few reasons that can lead to a termination include being on the Prohibited Business list, a high chargeback rate (more than 1%), or even a history of suspicious transactions as identified by their computer systems.

          Square uses the same third-party processing model that other companies like PayPal use. In general, when a user is terminated, the processor will hold funds for up to 6 months as a way of ensuring that they don’t lose any money on potential future chargebacks. 6 months is the standard chargeback window, and unfortunately this is a pretty common practice. After that they should release the funds to you.

          You might be better off looking for a traditional merchant account. There are a few options out there for low-volume businesses. I would recommend checking out Payline Data for starters.

            This comment refers to an earlier version of this review and may be outdated.

            KEN ROBITAILLE

            Organization Name: BURGER BOSS LLC

            Worst company ever…RUN AWAY!!!!! I have been with square for 4 years and processed over 1,000,000.00 with them so I know what I am talking about. They do not have your back, at all. Remedial platform, cannot get their act together when it comes to software and ease of use. They will not stand by you with a dispute claim, they just keep taking their fees and tell you to piss off. Will provide no evidence to you if there is a dispute and just wash there hands of it. Communication is terrible. They make it that way so you will just give up and go away. If you only process a few payments here and there then it is ok for you, but if you do any type of volume the system can’t keep up and has all kinds of connectivity issues. They want to be in complete control over your business and if there server goes down, you can’t even process cash payments. You must be logged on at all times or you can’t use the register. They have an offline mode that is supposed to store cc info and then process when you get your connection back, but if you are not logged on when it goes down you can’t get in to even run cash.

            1
            • Organization Name: BURGER BOSS LLC

            This comment refers to an earlier version of this review and may be outdated.

            Bill Horne

            Organization Name: Amazing Space Studio

            I was about to set up an account with Square, then I read this part of their Terms:

            “6. Your Content”
            “The Services may include functionality for uploading or providing photos, logos, products, loyalty programs, promotions, advertisements and other materials or information (“Content”).”

            “You grant us and our subsidiaries, affiliates, and successors a worldwide, non-exclusive, royalty-free, fully-paid, transferable, and sub-licensable right to use, reproduce, modify, adapt, publish, prepare derivative works of, distribute, publicly perform, and publicly display your Content throughout the world in any media in order to provide and promote the Services. You retain all rights in your Content, subject to the rights you granted to us in these General Terms. You may modify or remove your Content via your Square Account or by terminating your Square Account, but your Content may persist in historical, archived or cached copies and versions thereof available on or through the Services.”

            As a visual artist, I wanted to ask for clarification that these terms would only apply to visual “content” that I might upload using their software, i.e. NOT my own imagery as found on our own site. Their copyright terms are incredibly sweeping, and though I may be overly cautious, I’d like to know what kind of “content” they consider to be “royalty free”, “transferable”, etc But I can’t ask this question without signing up, which requires accepting their Terms!

            A friend with an account asked customer support my question. The response was: Our legal department will not give an opinion on this. Seriously! All I want is a clear Yes or No answer.

            I mailed a letter to the CEO to ask him directly. Still no reply. Why should I sign up with a company that won’t answer questions?

            • Organization Name: Amazing Space Studio

            This comment refers to an earlier version of this review and may be outdated.

            Jessica Dinsmore

            Hi Bill,

            We believe that a lawyer is the best person to interpret the contract and advise on the matter, but our understanding of that clause is that in signing up for the service, you are granting Square a right to use content uploaded to the platform to promote Square’s services by saying “This is one of our merchants and this is what they make.” That does not grant Square the right to reproduce your content — to make prints of your art and then sell them. But again, a lawyer would be better qualified to say for sure.

              This comment refers to an earlier version of this review and may be outdated.

              Kathryn M Coughlin

              Organization Name: Sherborn Wine & Spirits

              I LOVE Square. I bought a small wine store over two years ago and initially had a traditional processing account. It was a nightmare. A month in, I switched to Square and love it. I’ve spent countless hours comparing rates with 3-4 other companies (and many call almost daily), and it is the best value, with the most features, and the best customer service. One thing that many small businesses do not take into consideration is that time is money. If I have to spend time doing anything–PCI compliance surveys, trying to take credit cards when the internet goes down, chasing down customer service, or trying to translate complicated monthly statements–that does not produce revenue, I am losing money.

              5
              • Organization Name: Sherborn Wine & Spirits

              This comment refers to an earlier version of this review and may be outdated.

              michael elliott

              Organization Name: Game Start Stores

              This company is the worst when it comes to customer service. i went with traditional merch services after the nightmare with square and i havent looked back. run, run, run from square. look at all of the 1 star reviews.. look at the image at the tip with 5 stars. now look at all of the one star reviews here. do the math. thier rates are terrible and they have no stability. good luck if they decide to put your payments on hold for no reason. any wholesale merchant services processor can beat square with their eyes closed. when i walk in to a store and see a square terminal i realize that I am dealing with a business that is NOT safe, secure, or business savvy.

              1
              • Organization Name: Game Start Stores

              This comment refers to an earlier version of this review and may be outdated.

              Jonathan Rabe

              Organization Name: Midwest Kratom Supply

              They are actively refusing LEGAL business from anyone attempting to sell Kratom regardless if it is not sold to the states with legal issues which is clearly stated. I will never recommend this to anyone.

              1
              • Organization Name: Midwest Kratom Supply

              This comment refers to an earlier version of this review and may be outdated.

              Ryan

              Very true. Nowhere in the company’s policies is it explicitly stated that kratom is a violation, either. It does not produce a “high,” the DEA has removed it from its list of “public health threats,” and all of the science beginning after the FDA was discredited for fabricating stories has clearly found that kratom is indeed no threat to public safety nor does it have a notable addiction risk. Companies that prevent legal businesses from operating legally by modifying their policies on-the-fly or basing terminations on old, falsified, or biassed information are acting anti-competitively and should honestly be sued. We should all get a class-action going…

                This comment refers to an earlier version of this review and may be outdated.

                We've done in-depth testing of each and confidently recommend them.

                J

                Please don’t waste your time with these people… There online sign-up page is broken and there is no way to contact support to troubleshoot. Trust me. There is a better way.

                  This comment refers to an earlier version of this review and may be outdated.

                  Jim

                  Organization Name: Larsgaard Enterprises

                  I signed up with Square this afternoon (1/31/2019) and the process was seamless.

                  With the chip/tap reader comes a free magstrip reader. I called customer service to get the magstrip reader that plugs into my iPhone X, the the customer service representative is sending me the lightning magstrip reader for free.

                  I am very happy with Square’s sign up and customer service.

                  • Organization Name: Larsgaard Enterprises

                  This comment refers to an earlier version of this review and may be outdated.

                  Williams

                  Organization Name: Beech Hollow Farm

                  Customer service is non existent. There are plenty of FAQ’s but not all problems can be handled by FAQ lists. Try getting a human to sort out any issue with faulty equipment, refunds, replacements or problems with the site. Won’t happen.

                  1
                  • Organization Name: Beech Hollow Farm

                  This comment refers to an earlier version of this review and may be outdated.

                  Britty

                  Do not use Square as your point of sale system. I am absolutely infuriated by my dealings with our account manager and the way Square has handled our account for the last year and a half. I am closing my account and will be taking it upon myself to let all small business owners I know what a dishonest company Square is. I am so dismayed by how much trust and confidence I’ve lost in this company. We were charged a higher fee rate for our transactions without our knowledge for a year and a half. When we purchased the Register and were promised a 2.5% + 10 cents rate, the rate remained at the rate they had been incorrectly charging us for a year and a half. They claim this is some sort of “custom pricing” but they don’t make anyone aware of this fact. Square as a company offered absolutely no assistance or refund to make me believe that actually care about us as a customer. We’re ultimately small fish to them. They do not care about their clients. Go somewhere else. You’re better off.

                  1

                    This comment refers to an earlier version of this review and may be outdated.

                    michael elliott

                    Organization Name: Game Start Stores

                    square doesnt have any big fish clients. everyone is small fish. they are just terrible, for everyone.

                    • Organization Name: Game Start Stores

                    This comment refers to an earlier version of this review and may be outdated.

                    Jane

                    Organization Name: medispabyJane

                    Terrible company. You can’t get a response by phone to get any info until you register your account. There service got hooked up to my brand new website. I spent a lot of money for advertisement and when I was expecting to get my first sales my account with Square got permanently deactivated. The Email I received said that I violated some agreement policies. I was not able to get any explanation over the phone, because it kept saying I have to send an Email if I have any questions. I have sent an Email and never got answer. Thanks got I got no sales, so got scammed for no money, but my web site was without any payment option for 4 days until I got approved by another company. Surprisingly, on top of this page it looks like they have all 5 star reviews, but if you scroll down it is 90% negative.

                    1
                    • Organization Name: medispabyJane

                    This comment refers to an earlier version of this review and may be outdated.

                    Gary Thomas

                    Organization Name: Wileysprocket

                    Square Terminal, in my opinion, is a game changer in the industry. As a former Senior Manager for Apple, I left to start my own business. From a practical standpoint, Square Terminal will turn every small business into an Apple Store.

                    5
                    • Organization Name: Wileysprocket

                    This comment refers to an earlier version of this review and may be outdated.

                    CORTNEY OWENS

                    Organization Name: TCB

                    Love square up .It makes everything go smoothly. I cant afford start with big business so I starting by going to flea market and selling and using square has made me money I would not had made without it. In the world if credit cards its a must. I’ve had bigger ticket items sale faster and for much more. The first transaction I had I got worried because after sale I received message wanting more info on sale for security purposes. I assumed it it would be hoops to jump through but it wasn’t . It was very reasonable documents and info they requested and since i sent in email immediately my funds were never affected and I appreciate them looking out for safety my customers. I’m making a living with square ..thank you..Very easy to use and helpful! **********tcb

                    5
                    • Organization Name: TCB

                    This comment refers to an earlier version of this review and may be outdated.

                    steven lee

                    Organization Name: Steven Lee Broker

                    i am an independent consultant with a subscriber base. I used Square to collect membership fees.suddently, after about 80 subscriptions, square decided to block my account without warning. they sent a cryptic email with terms/conditions. i spoke with Square customer service paying $30 per month in the beginning. they knew what kind of business i had.and then the scary message, the immediate account shut down. i’m scrambling now to migrate my base to a new platform. Square will not take my calls. i repeat, they will not take my calls.i have broken no laws. i sleep quite well at night. my members are 100% voluntary. i’m beside myself.

                    1
                    • Organization Name: Steven Lee Broker

                    This comment refers to an earlier version of this review and may be outdated.

                    Victor Geraci

                    I find it interesting that the reviewer downplayed all of the negative aspects and reviews of this company from real-life users of the product. How can you even give them a star rating without taking any of it in to consideration? The BBB is a joke too, there are way too many companies with A+ ratings that have hundreds of complaints.

                    After reading three reviews about being shutdown for no reason, having funds held for a month, and CSR’s that don’t care about the customers, why would anyone sign up for these folks. I don’t care if Square can add 50% in revenues with all their bells and whistles – the risks are overwhelming, just as they think any given business they bring on board is an overwhelming risk. Was going to get more info but not any more!! Glad I found this site!

                      This comment refers to an earlier version of this review and may be outdated.

                      Jessica Dinsmore

                      Hi Victor,

                      Welcome! And thank you for commenting! To address your concern about the validity of our reviews, please read our post on negativity bias and how this site makes money to better understand how Merchant Maverick delivers real, unbiased reviews to our readers. Good luck to you!

                        This comment refers to an earlier version of this review and may be outdated.

                        Greenhill Media

                        Organization Name: Greenhill Media

                        Square has a process called “REVIEW” what this means is they freeze your account with regard to any payments being deposited in to your account. Oh you can still process customer credit cards the funds just stay with square. The problem with this is two fold first you have to go through this process in detail after you have setup your account and gotten the “CONGRATULATIONS your is active you can process customer transactions now.” We ran our first transaction and then got a notice after the fact that no payments would be sent to our account until we provided our company organization documentation, business licenses, copies of bank statements, the owners drivers license, examples of contracts with our customers, and a summary of how we do business.Providing this information was a huge inconvenience for a small business but the real issue was they were now holding one month of our income captive so what choice do we have but comply. Why not ask for this information up front?Well we go through that and began to use square which is easy to use, MONTHS go by and an innocent questions appears saying your have a review question would you like to answer it now? The choices below are answer now or answer later. The part time person entering customer credit card payments picked later not realizing what the note should have said was, “YOU HAVE A REVIEW QUESTION WOULD YOU LIKE TO ANSWER IT NOW OR DO YOU WANT US TO STOP DEPOSITING YOUR CREDIT CARD TRANSACTIONS?”The best part is when you call and tell them, you need to talk to some one to get this resolved and they tell you NOPE there is no one to talk to, please go pound sand and have a great day. It gets better as the question this second review asked WAS ANSWERED IN THE FIRST REVIEW!!!!!! MAYBE IF THEY ACTUALLY CHECKED THE DOCUMENTS SENT MONTHS AGO THIS WOULD NOT HAVE HAPPENED.I would love to give them a zero but will have to settle for on start. If you have not started with them look elsewhere. This brings me to my point, I truly believe this is a scam used to hold money due to users for the purpose of lining their pockets with interest that they would not otherwise earn. Why else would you not mention that until the review is completed and two days have passed you will not receive any money from the transactions you process?Why else would you not have a big flashing sign at login saying your deposits are frozen until the review is done?The obvious answer to these questions is of course they want you to ignore the review so they can hold your deposits and they want you to keep running customer credit payments so they get to hold more and more. Put them in the same class as those payday lenders looking to scam every penny they can get from you.

                        1
                        • Organization Name: Greenhill Media

                        This comment refers to an earlier version of this review and may be outdated.

                        Terri

                        Organization Name: Prestovation LLC

                        After reading your recommendation I reached out to Square and they denied me due to one product (out of 1400+ products I sell) because it violates their terms of service. The product is a Salt Lamp and they have not yet told me how a Salt Lamp violates their terms of service. I am not going to pursue Square because if they can arbitrarily decide they don’t like my products now, how can I trust them not to later decide they don’t like something I do or sell. I prefer to work with companies I can trust as a partner, not one that feels they know best what I should be doing.

                        • Organization Name: Prestovation LLC

                        This comment refers to an earlier version of this review and may be outdated.

                        P Green

                        Organization Name: PG Holdings corp

                        Thumbs DownNot only are their fees high which can be overlooked if you are not doing large monthly processing dollar amounts or for the sacrifice of Convenience this will be an option for you.other than that Stay away. this is just another example of a over hyped technology company who’s main interest is to go public and satisfy investors. while they hide behind the catchphrases change- rethinktechnology. but are willing to sacrifice customer service unless you by a subscription.

                        1
                        • Organization Name: PG Holdings corp

                        This comment refers to an earlier version of this review and may be outdated.

                        Marina

                        Organization Name: Property TM

                        They terminate my contract in one min and I can’t receive my money almost 6 month and I’m not sure that I’ll recive it at all. $5800. Also they charge me twice for one transaction. When they terminate the contract I even can’t call them, only email. And they don’t answer emails. There is no points in contract about it at all. For my question what part of the agreement has the information they can hold my money for any time I receive no answer. So they use my money as they want not asking me and violate contract. Terrible experience.

                        1
                        • Organization Name: Property TM

                        This comment refers to an earlier version of this review and may be outdated.

                        Jessica Dinsmore

                        Hi Marina,

                        I’m sorry this happened to you! Here is a link to their General Terms of Service where it states:

                        “11. Modification and Termination
                        We may terminate these General Terms or any Additional Terms, or suspend or terminate your Square Account or your access to any Service, at any time for any reason. We may add or remove, suspend, stop, delete, discontinue or impose conditions on Services or any feature or aspect of a Service. We will take reasonable steps to notify you of termination or these other types of Service changes by email or at the next time you attempt to access your Square Account. You may also terminate the General Terms and Additional Terms applicable to your Square Account by deactivating your Square Account at any time.”

                        It’s not good news, I’m afraid. Unfortunately, you’ll have to wait until they release the funds.

                          This comment refers to an earlier version of this review and may be outdated.

                          Christine Ryan

                          Organization Name: Popp Butterfly Conservatory

                          I have had nothing but GREAT service from Square. In fact, I can’t understand why every business doesn’t use it. They have adhered to every single thing I was told before enrolling. NO monthly fee, NO tranaction fee, deposits delivered swiftly to my bank account. In addition, I have never had a single instance where the reader didn’t work. In fact, I once accidentally sent it through the washer and dryer, and it still worked perfectly. Transactions go so smoothly. We are a seasonal business, open year round but hardly any winter visitors. Square dies NOT hike our cost per transaction when we charge less (just when we can afford it least) as the bank used to. The bank also used to be really sneaky and would adjust our fees UP, OF COURSE,and hide it in pages of small print. Their card machine also sometimes did not work in stormy weather. We almost gave up on taking credit cards due to ridiculous bank policies. Then you have. to negotiate with them or threaten to leave them to get the rate.back down. What business owner has time for that nonsense? I can’t say enough good things about Square! I’m a fan!!

                          5
                          • Organization Name: Popp Butterfly Conservatory

                          This comment refers to an earlier version of this review and may be outdated.

                          Glen

                          Organization Name: All roads

                          Worst treatment of customers, can’t use for firearms, evon thow I don’t sale firearms we do all kinds of buying and selling, they turned off app without warning because I used my personal card to buy car from the my company said I used a prepaid card, no it was Discover. They won’t to play big brother.

                          1
                          • Organization Name: All roads

                          This comment refers to an earlier version of this review and may be outdated.

                          Robert Hargrove

                          Organization Name: Naples Vapor LLC

                          Thought a star was necessary post a review. When a company doing your processing can shut you down at midnight with no warning and you need to open in 9 hours without a CC processor you’re basically out of business or you open “cash only”, not a good look. We heard SQ was shutting down Vape shops and called twice to make sure we were in compliance and was assured we had nothing to worry about. We do not sell on line nor do we sell CBD and as stated above SQ does not give you a reason for termination. In any case when a company has the power to shut you down with no warning it’s a power I would never give any processor. third party or not. So if you’re considering SQ and all the great options they provide take in consideration you may wake up in the morning with no way to process CC’s.

                          1
                          • Organization Name: Naples Vapor LLC

                          This comment refers to an earlier version of this review and may be outdated.

                          Alaina Underberg

                          Organization Name: A Vintage View Market

                          I ordered square for my new business. The sales rep reassured me that if it was not suitable for my business I had 30 days to try it out and could return it if it did not work. My store opening day got delayed due to construction so the system sat in the box for 30+ days. After opening, I started to set things up and realized it really wasn’t suitable but I was rest assured that I could return it as promised after I had 30 days to actually try it out. Myself and my husband both called and they were nothing but rude to us. They would not return the system that was NEVER used. Meanwhile, my husband was deploying (active military) to Iraq and I let them know this because it is extremely poor taste and horrible customer service to not work with us on this. When I called back, they wouldn’t even let me talk to a manager and told me they would not return it under any circumstances. Then the representative told me she was hanging up on me! I use square for my other small business and I let them know I was terminating my use for The Little Black Dog Shoppe from here on out. Square deserves none of my business and I lost full respect for this company. I have 20 vendors in my shop all of which know what occurred with square. I will make sure to continue to spread the word on the poor customer service by this company.

                          1
                          • Organization Name: A Vintage View Market

                          This comment refers to an earlier version of this review and may be outdated.

                          Craig Stone

                          Organization Name: Harvest Health

                          I have never dealt with a colder, unprofessional company like square, clearly they are among the worst when it comes to service. There are thousands of reviews that are real life horror stories. I would never, ever use or reccommend them- they cost me and my business dearly. I keep hoping for a class action I will be the first on board

                          1
                          • Organization Name: Harvest Health

                          This comment refers to an earlier version of this review and may be outdated.

                          We've done in-depth research on each and confidently recommend them.

                          julie

                          Organization Name: local color gallery

                          Hi Melissa I like your review of Square. I own a small art gallery. Two-ish years ago we adopted Square as a POS system. We operate basically, like a co-op. We do not have a recorded inventory. It’s basically just POS. With respect to Square I know it records more data than I access. I would like to be able to isolate and print the data/sales specific to each artist for each payment period. Their personal sales data could then accompany their check. I am not a techie but I’m guessing this is probably very simple but I don’t know what to “call” it! Any thoughts? Thanks, Julie http://www.localcolorchatham.com

                          • Organization Name: local color gallery

                          This comment refers to an earlier version of this review and may be outdated.

                          Melissa Johnson

                          Hi, Julie!

                          Unfortunately, unless you’re actually making use of Square’s inventory tools, there’s not a convenient way to pull a report about what you’ve sold, specifically. If you would like to give your artists information about the products that sold in a neat report, there are two ways I am aware of that you could do that:

                          (1) Create an item category for each artist, then manually enter each item into inventory. Set the quantity to 1. When it comes time to pull the report, you can use Square’s Category Sales report to see /exactly/ which items by that artist sold. This is going to be time consuming, especially once you get started, but Square does have a bulk upload option. Once it’s up and running, it shouldn’t be too hard to maintain. But this will give you the most detailed information about what sold.

                          (2) Create an item category for each artist, then create a single item in each category. (I would suggest naming that item something like “{Artist Name} Original work.”) You don’t need to fill out much of the item description, and you specifically want to leave the price box blank. If you do this, you create what Square calls a Variable Price Point item, and when you select it, Square will prompt you to enter a price. For this scenario, you could honestly pull either a category report or an item report. If you opt for this setup, you /could/ omit the category creation, as well, but I think the category reports will be more effective for what you’re looking for.

                          Square does collect a lot of data, and you can do a lot with it. I know that you can leave notes on quick sale transaction, and you can sort through sales data on a per-transaction level. But honestly? You’ll have a much easier time sorting through the data and putting together the reports if you start taking advantage of the inventory tools. Pulling the reports will be just a matter of a few clicks.

                          Here are some resources to help you get started!
                          https://squareup.com/help/us/en/article/5328-item-variants-or-price-points
                          https://squareup.com/help/us/en/article/5072

                          I hope this helps!

                            This comment refers to an earlier version of this review and may be outdated.

                            sergio garcia

                            Organization Name: B. W .Fashion

                            We have a store in wa locate in the mall and we been used square for about 2 years , but suddenly they deactivate my processing account without any warning or communication,is almost impossible find a phone number to talk , this kind of procedure affect considerable my business, they allegate that the account was deactivated because the excessive prepaid card ,but in the contract the is not mencion again that particular way of payment, and beside that matter we didn’t have any complaint ,in my humble opinion this the most unrespectful way to treat us , we will raise our voice again such albitarity thank.

                            • Organization Name: B. W .Fashion

                            This comment refers to an earlier version of this review and may be outdated.

                            hector flores

                            Organization Name: spark gas & diesel

                            this app is just trash I open my new account I and use for first time I charge $1510.10 and they pull the money right away from my customer then I receive email they can’t deposit my money be cause some issues with my account I sent my business license and customer info and same thing I don’t receive my money yet they gonna return the money to my customer but I don’t know yet when is bullshit

                            • Organization Name: spark gas & diesel

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                            George Johnson

                            I have a major problem with Square. I have tried to contact them by phone and
                            email thru their customer service for two weeks and get no response.
                            They are refusing to process credit card transactions and are holding the money.
                            Do you have any ideals where I can file an official complaint, or a good email
                            address so I can try to solve this problem.

                              This comment refers to an earlier version of this review and may be outdated.

                              Jessica Dinsmore

                              Hi George,

                              I’m sorry to hear this! I’d suggest you start with the BBB and RipOffReport, referenced in this review. Best of luck to you!

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                                hector flores

                                i had the same problem how do you fix the problem

                                  This comment refers to an earlier version of this review and may be outdated.

                                  Square steals

                                  They deactivated my account and kept the money from my client for themselves. They could at least cancel the transaction and refund my client. Or email me if there was a problem. But why bother?? Thieves!!!!!!

                                  1

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                                    lynne

                                    I have just started to use debit square reader . I have clients that like to leave a tip.
                                    There is a tip option on the credit cards but I cant seem to find one on the debit reader.
                                    any suggestions.

                                      This comment refers to an earlier version of this review and may be outdated.

                                      Jessica Dinsmore

                                      Hi Lynne,

                                      It appears that tipping works on tapped debit transactions. I’d suggest contacting Square directly for help with setup.

                                        This comment refers to an earlier version of this review and may be outdated.

                                        We've done in-depth testing of each and confidently recommend them.

                                        Wayne Leiser

                                        Great article Melissa,I have been using Square for years. We were with Suntrust processing through First Data for years. I thought I had the best Merchant Processing around because every week we would have 5-10 people come in “We can beat your rates, we can beat your rates”. It got to the point that I just printed out a ton of the last 3 months worth of statements and just handed it to them and sent them on their way. I would either never hear from them again or if I did I would hear “Wow, we have no idea how you got so low, we cannot touch your rates”. This went on for 5 years. I was paying around $2500.00 a month in credit card fees.I kicked myself in the butt when I discovered that Square would have processed $250,000 a year in Credit Card transactions for $500.00. WOW!!!! They no longer offer that deal but let me repeat that! Instead of paying $30,000 to Suntrust for the same processing with whom I thought was the best rates around I could have paid $500.00 to Square!!!!!! KICK KICK KICK!!!!!Square is extremely easy. You CAN get to a live person if you follow my instructions in a reply to another customer on how to contact Square. Their customer service is helpful to a point. They don’t have a clue about and don’t support their API so you are on your own if you want to program anything to talk to Square via a website or program. I use Square now and tell all of the phone calls and people that call in and say “We an beat your rates” to take a hike because I am not going anywhere. I LOVE the fact that their is no PCI Compliance fee, no batch fees, no 3 year contract (Wells Fargo), no deciphering how much I am going to be charged whether it is a Visa Gift Card or a Foreign card or many of the other tricks that these merchants pull to get money out of you and never has been a hassle for me. I do not use their POS system but I do utilize their Square app and store my clients information on their server and am in the middle of having a website developed to help me with monthly and yearly billings. I am very happy to hear that the highest transaction they will process is $50,000 (learned the other day from talking to customer service on the phone) which is far higher than other processors. Paypal will only allow $10,000 a transaction.My guess is a lot of these people that are complaining about Square are on the TMF list and are upset that their accounts are being closed by Square so they come and write a bad review. The thing is they must be aware that they are on the TMF list or there is something wrong because other merchants would have done the same thing to them; closed or froze their account after one transaction. That is what was happening to me when an old business partner that was on the books legally still found his name on the TMF list. I took a $20.00 transaction and my account was frozen. It took me 3 months and threatening law suits against people to discover this after being shut down multiple times from multiple processors. I had to remove his name from the business legally and then all was right in the world. His name dropped off the TMF list after 5 years.I have been processing with Square for over 5 years now and am happy as can be. I don’t see me ever going anywhere else.

                                        5

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                                          ron

                                          Maybe someone can answer this question. If I buy there stand, reader,cash draw and a get a Ipad and somewhere down the road they stop my credit card swiping will the pos software still work on the Ipad. I know I wont be able to swip cards but could I still use the Ipad and get end of day report?

                                            This comment refers to an earlier version of this review and may be outdated.

                                            Jessica Dinsmore

                                            To be honest, this isn’t something we’ve been asked before, so it may be a bit outside of our expertise. I’d rather not give you an answer that I’m not too certain about. If you happen to figure this out on your own, please let us know what solution you find so we can learn how to answer something like this in the future. In the meantime, I’d suggest asking Square directly. Best of luck!

                                              This comment refers to an earlier version of this review and may be outdated.

                                              Wayne Leiser

                                              Log into your Square account. Go to support center on the left side at the bottom, then scroll to the bottom of the page and click contact us., if it asks you to choose your location then do this otherwise choose a subject that you want support (It doesn’t matter which one), scroll down and choose I don’t see my issue here, now click Call Support You’ll get the phone number and your customer code. You will need the customer code to get past the automated teller.

                                              You can Contact Square by phone and ask them. They will be more than happy to answer your question. Just ask them if you can continue using the POS system if you ever cancel your account. I do not believe you can because it is integrated into the Square system through their API and if you cancel your account you will no longer have access to that API or their database but that is definitely a question for them.

                                              Wayne

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                                                George Johnson

                                                Wayne, followed your instructions and this is what I get. “Phone support is not currently available for your account. Please send us an email instead”.
                                                I had tried this before with same results. I have been trying to contact them for two weeks now. They have deactivated my account but are still taking credit card payments from my customers. Problem is, they are not forwarding the payments to me. I send them emails, get no response and as you say without that account number the phone call is a waste.
                                                I would just like to know who I can contact to file an official complaint on them.
                                                When I went into my account, I did see in the bank info that a bank was listed that was not mine. I think I got that changed, hope so anyway. They show transactions pending for me. Just won’t process them.

                                                Please don’t ask me to recommend this bunch of shisters.

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                                                  James Chapman

                                                  DO NOT USE THIS COMPANY.The deactivate and close accounts without ANY warning, without contacting you, without helping you, without responding to you. Don’t bother…put your energy into something else.

                                                  1

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                                                    David

                                                    Good info and thanks. I seldom use my square and get a little nervous when I do. If after a transaction is made and you mode it was incorrect can it be deleted and then re- entered correctly?
                                                    Thank you

                                                      This comment refers to an earlier version of this review and may be outdated.

                                                      Jessica Dinsmore

                                                      David, this would be a question best answered by Square. Contact their support on Twitter; you’ll get a quicker response.

                                                        This comment refers to an earlier version of this review and may be outdated.

                                                        Wayne Leiser

                                                        Yes it can but you will need to reprocess the transaction with the credit card again. You can log into your account and issue refund then reprocess the transaction. Read my comment above for how to contact Square if you want to talk to them directly.

                                                          This comment refers to an earlier version of this review and may be outdated.

                                                          Bjorn Vandemeulebroucke

                                                          I must agree with most of the comments here: square is probably the worst company i ever have been working. We are a middle size company, and we are using payment system to let people try and review products. However, i thought that with Square i had a solid solution: i could not be further from the reality. After promising the sky by their account manager, working full transparent and doing the paper store, it looks like once your are hooked, they all forget about you and definitely their customer service. They even have a system that recognize your phone numbers so they don’t pick up calls. That says it all: they even have a structure of no communication with their clients. I felt in the trap, and as a consequence are money has been blocked for months and i am still struggling to get it all back. If you even think to use square, don’t.. there are much better payment system our there that are not blocking your money and do have a customer service.

                                                          1

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                                                            Joe Funkey

                                                            I have 4 restaurants and use square in all of them. Their customer service is pretty good. They are not perfect for restaurants but I have always figured out work around. Their deposits are timely and correct. I am wanting to start on line ordering and will try soon. I do wish I had a sales rep so they could help with some of the marketing tools. We just started there rewards program and so far good. I did just receive a email regarding them starting up a restaurant pos. Can’t wait should be amazing since their standard pos works well for me.

                                                            5

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                                                              Sergio

                                                              Square could possibly be the worst company I have ever worked with in my history of owning multiple businesses. I had all of the necessary documentation, Government Issued papers, Copy of the invoice and contact information, along with my bank account information. After first couples of transactions Square told me my account was “High-Risk”. and they permanently shut down my account and told me I would have to wait 90 days to receive my money $4300. I still have to wait for 2 month more. If you have Square get out while you can. Go With PayPal. Must avoid!!!

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                                                                Leo W

                                                                Don’t make a mistake. Don’t go Paypal who holds your money for 180 days, that is, half year.

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                                                                  Bryan Fullerton

                                                                  Paypal is so far down on the nasty !ist I won’t even consider it. They ripped me off and I refuse to do business with them ever more.

                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                    Wayne Leiser

                                                                    If they are telling you that you are high risk I am guessing that you may be on the TMF list or the do not process list. held by MasterCard that every merchant processor looks at to see if you are “high risk”. I went through something when a business partner got his name on the TMF list and I tried to process for multiple merchants and kept getting my account shut down even through Square. I removed his name from the business legally and that corrected the issue I was having. If you are on the TMF list it will be there for 5 years and then it drops off.

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                                                                      Aurora

                                                                      Funny, we had the same experience with PayPal. Still haven’t gotten company funds out of them.

                                                                      3

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                                                                        Jude

                                                                        Same as other users. At first, they don’t ask you for any documentation and they will ask you when you have more cash flow.I had all of the necessary documentation, Government Issued papers, Copy of the invoice and contact information, along with 3 of my bank account statements. Square then told me my account was “High-Risk”. and they permanently shut down my account and told me I would have to wait 90 days to receive my money after they used it and did whatever with it and gave me no Interest for holding and using my funds. If you have Square get out while you can. Go With PayPal. Must avoid!!!

                                                                        1

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                                                                          Randy Martinez

                                                                          I own a small detail shop. The amount of back office work square does for me is insane. I can see on my dash board anytime anywhere. The easy interface is easy for my staff to check out customers. I have the full set up, swivel iPad, chip reader, receipt ticket terminal, cash register. It looks clean and functions great. The marketing aspect is a great feature, keeping track of customers info and able to create a custom campaign. I just ordered custom gift cards, seemed a little steep but for it to look custom with my company logo makes me stand apart from my competitors. I have higher clientele so you get what you put into your business. (meaning price is worth it). Have read bad reviews about account holds on funds…. I run over $40K a month and haven’t had any issues as of yet. I have taken 2 small loans for some major upgrades for my business, that was again very easy and worth the cash flow. I have nothing bad to say about my POS system yet. I have had it in operation for approx. 9 months so far.

                                                                          5

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                                                                            steve rowley

                                                                            stay well away they freeze your money …for no reason after taking it of course

                                                                            stay well away they freeze your money after asking silly questions for no reason what so ever only that they can after an account is opened ? surely they would ask details questions when you first join as soon as you start to ask payments they freeze you so they can use your money for months free of charge it like paypal do we use stripe now and no issues stay well away and never use squareup or paypal ever

                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                              Amy Usher

                                                                              Too bad there isn’t a way to leave NO STARS…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!

                                                                              1

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                                                                                We've done in-depth research on each and confidently recommend them.

                                                                                Bob Thompson

                                                                                No, Square did not pay me for this review. :-)I cannot say enough positive things. We run an art business and utilize Square for all of our processing needs except for our online store. As we participate in festivals our transaction volume varies widely…like the low thousands up to five figures at a great show. We’ve never had an issue or hold against the account. I will say that I read the “small” type before I signed up and spoke with Square regarding their caps etc describing our variable business volume and the need to increase their limits. Everything has worked well and we also linked with drop for our accounting / payroll needs.

                                                                                5

                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                  Gary

                                                                                  You are one of the few lucky ones

                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                    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.

                                                                                    1

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                                                                                      chris hansen

                                                                                      The very same thing happened to me. I am so pissed off cause I really did like a lot of the functionality, payments when I want them if earlier than they are scheduled to be released. Complete crap to cut my throat like that. Now I am off to the BBB to file my complaint. You should do the same.

                                                                                      1

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                                                                                        JORGE DURAN

                                                                                        I was invited to move my Vacation Rental processing to Square because an agreement they made with booking.com to attend this tyoe of business.After reading and open an account I was surprised by all the good things they promised.As soon as I made my first $900 sale, they froze my account and demanded more information whcih I provided inmediately. Even though they took 48 hours to reactivate the account and deposit the first sale.Ingenuelly I thought that now things will work fine. Big mistake. I process in diferent sales $2900 over a weekend, however the Instant deposit was blocked and no explanations whatsoever from the company, One day later, without any previous contact, they informed me that my total account will be hold for 90 days!!!Outrageous. More than a business, this is a criminal organization. They deserve a Class Action Suit for all the time, money and stress caused to hundreds of business owners

                                                                                        1

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                                                                                          Russ

                                                                                          This is a review for the person who wrote, THIS Review. First and foremost, no matter what gets added after my review – THIS COMENT IS FOR THIS VERSON OF THIS REVIEW!This in NOT a review, it is an infomercial for Square. Square is unethical at best and after only a few years of use all my equipment is now obsolete. The programming is so convoluted. Most of the “features” have been disabled so you are forced to pay hidden charges for3rd party venders – just for basic service. Square has programed trip-falls into the software that results in disabling equipment such as the chip reader printer and stand, not to mention any older Apple device. BEWARE OF SQUARE if you are brick-n-mortar. I spent $400 for the iPad, $99 for the stand, $99 for the Chip Reader, $169 for the printer. I did this just a couple years ago and now I have to replace it all. THIS IS UNETHICAL AT BEST! Shame on you Merchant Maverick “reviewer” you are a paid spokesman for Square and stoop to their level rather than providing a legitimate review. I cannot express in words the vile distain I have for Square and ANYTHING Apple. May the bite of one million mosquito’s line the soles of their feet. My review… Two Fingers Up! Middle fingers, one on each hand pointed in the direction of Cupertino, CA

                                                                                          1

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                                                                                            Bethany Van Hecke

                                                                                            I am leaving this review after being completely frustrated by this company. If I could leave 0 starts I would! After using square for over 2 years, I was suddenly notified by email, in a very unprofessional and unofficial looking way, to limit my transactions to 5,000 per customer per quarter. I was not provided any advance notice of this change. We run a busy interior design firm and our agreements with clients are specifically outlined that we process their payments on credit card. I am suddenly scrambling to come up with another payment option for my customers. I have tried to be in touch with Square numerous times to get additional information but have not been called back as promised. I have just hung up after being on hold for 45 minutes. If you want to run a successful business don’t bother using Square.

                                                                                            1

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                                                                                              Carla

                                                                                              BEWARE! Square is a predatory scam conducting unethical business practices and profiting while incurring serious losses to businesses and their customers who do business with them. They refunded a customer of mine over a misunderstanding in the amount of $2100. My sales rep immediately called the customer and he apologized for having buyers remorse. He signed a contract for advertising in Feb. 15, 2017 and paid by credit card, which I ran through a Square account for convenience, (not my normal Worldpay merchant services provider). He had not reached out to the sales rep to discuss any issues, just charge backed the amount on March 9, 2017, and was “Unhappy” according to one of Square’s reasons to get your money back. They chargebacked without contacting me first. When the sales rep called the client, he shared the transmission went out of his car. The rep reminded him he is in contract and we were running his ad. He apologized and gave her another credit card payment. I called Square (at that point I had access to customer service) and the Square rep assured me that if I ran the new card through that my account would balance out and my linked bank account would not be debited. I then ran through the card in Square in good faith. They immediately emailed me telling the account was under review. I then received another email, and after uploading their requested info in compliance, they told me they deactivated my account, were holding the $2100 (and another $200 transaction) for 90 days and I had no access to customer service, nor are they required to explain any further due to their “card partners”. They proceeded to debit the bank account linked to Square for $2100, which affected other bank transactions and incurred fees, in that particular account. This ultimately affects my credit with my bank and the businesses whose transactions of mine were affected. Square double dipped, secured the new payment and then also stole money out of my bank account. The breached their terms of service by charging for a service they didn’t deliver, seizing funds from both my business bank account and Square account at the same time, (without a court order-normally required in any other circumstance), and then had the nerve to recommend I refund my client again and accept yet another payment and payment method, WHILE they also hold his money for 60 days. We resolved this problem immediately and had never in 5 years had a charge back or complaint from a client wanting a refund – ever. I have read thousands of reviews with these exact same complaints. I am also initiating a class action lawsuit and have started a social media following to unite fellow business owners who have had ten of thousands seized without cause, until legal action and legislation can be enacted against this predatory scam. Square is a sophisticated scam, and apparently for now, legal practice that is at best fraudulent. They are enriched and profiting from interest earned on our money and our customer’s money in a parasitic way . Square needs to be stopped form ripping off business owners with bait and switch, who are not protected by consumer protection laws and they obviously do not have to adhere to standard banking practices or even provide customer support. This is predatory, unacceptable and reprehensible. If we can stop this from happening to other small business owners, I am glad to have spent the time, effort and this measure of principle.

                                                                                              1

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                                                                                                Clara Paulson

                                                                                                apparently by your Review, you haven’t every had a deactivation experience with Square. I have been in business for over 30 years and I run a successful business. I have never been without Merchant Services and rely on it as a backbone of my transactions. For absolutely no known reason, my Square account after YEARS of use, without warning, deactivated my account. Worst thing yet— they freeze you out and do not allow you to contact them to even find out why. The code is tagged as not valid and because your account is not active, you are not allowed to contact them. You have the email option which they also will not respond to even if you send multiple emergency requests. I have never experienced anything like this in my life and run a reputable business my entire adult life, so this is a 1 star performance from Square. All I can say is, how dare they cut off my account without a notice, explanation, or any valid reason, leaving me without services and no way to run my business in the middle of the day. This will be very expensive to suddenly have to find something, anything, to conduct business that should never have been disrupted. I will never ever recommend this company and will certainly warn every person I know not to even consider using them. Yes, they have great software, that is why I used them, it saved me money. Now it is costing me dearly for no fault of mine. To not allow you to speak with them in regards to such as serious action on their part, should be illegal. If I could I would sue them for loses. All users beware! Don’t think you are safe because nothing has happened to you yet, this happened to me after about 3 years. Nothing changed on my part except more business, so apparently Square wants unsuccessful people, people who do not move upward in sales, just a “farm-animal-type” customer who will use their service but not excell. Good luck everyone stuck in Square. I’d suggest you have another Merchant Account set up as a fall back just in case, at least you won’t get screwed like I just did.

                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                  Steve

                                                                                                  I am so upset with this company!!! I purchased some pottery from some old friends whom are will known potters from Acoma Pueblo. I was hoping to receive my items before my wedding anniversary which was suppose to be a surprise. The artist is still waiting for square to let the money go so she could ship and pay for insurance on my pieces. WHO IN THE HECK DOES SQUARE THINK THEY ARE TO DECIDE WHO SHOULD DO BUSINESS WITH WHO. IT’S NOT LIKE THEY WILL BE PAYING THE BALANCE ON THE CARDS WHICH IS THE RESPONSIBILITY OF THE CARD HOLDER!!!! I would like the items I purchased and have some company decide where or how I spend my money!!!

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                                                                                                    We've done in-depth testing of each and confidently recommend them.

                                                                                                    chuck dehney

                                                                                                    Square Account Services

                                                                                                    We are happy to hear that you release my $57,993.03 dollars to our account, that was held in your account for over thirty days,

                                                                                                    you may be thanking us for our patience and corporation, we in turn are we thanking you for the education and opportunity that it gave

                                                                                                    us to research your company , we can now verified our opinion on your customer service and communication rating with many others

                                                                                                    that we read about in several blogs and business ratings.

                                                                                                    This has been an experience that I myself personally will pass on to business associates, dinner guests anybody that talks to me this will be my main subject , as well as

                                                                                                    your competitors that I have the opportunity of meeting in the last 5 days, they also assured me after our discussion that there wouldn’t be a need for

                                                                                                    a one sided verification ( if there isn’t a response to a email they call with a friendly voice) they are hoping you don’t change your verification methods

                                                                                                    There is one thing I would like to ask, if it is possible to get a copy of the recorded phone call conversation on your end, I had with one of the Square Account Services

                                                                                                    Team, I would like to replay that at our next customer service meeting, this will be education I was referring to earlier, we here at Precise have a motto

                                                                                                    if you don’t take care of your customer someone else will ,

                                                                                                    Good luck to you and your Customers

                                                                                                    Sincerely Chuck

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                                                                                                      Jasmine Tessier

                                                                                                      I am trying to get in touch with someone to discuss my account because it now appears that my payment card processing has been deactivated. I was never contacted and now you have all of my hard earned money from the weekend. Please contact me immediately!!!!!!!!! forevercheercanada@gmail.com

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                                                                                                        Randy Waters

                                                                                                        Jasmine,

                                                                                                        I am having the same problem right now. I have their 855-700-6000 number but they wanted a number to sign in. I did that and it says the new number that I put in is not a valid number and the phone hangs up. I have 3 different case numbers and they have not replied to any of them. They have had my money since January 25th.

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                                                                                                          Michael Werle

                                                                                                          Do not use Square, they canceled my account and then told me that they were keeping the money that was in my account for 150 days for no apparent reason. I have tried to call several times and they no longer have phone support. I run a small company and I need every dime that I have earned and for them to hold onto my hard earned money for no reason at all is a terrible thing to do. They clearly do not care about their clients at all.

                                                                                                          1

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                                                                                                            Marcy J

                                                                                                            I am writing to advise people to beware of Square. A client of mine was hacked and thru them my Square account has been attacked via the Square invoice dispute process. I received notification of a 4-month old invoice being disputed and within an hour of receiving this notification I responded with documentation and emails from my client stating this was not disputed. Square did not bother opening my email or reviewing my response before initiating a withdrawal directly from my bank account to “hold” funds until the dispute was settled. That was Three weeks ago. We resolved the issue with the client last week, only to have my client’s hackers dispute the invoices again yesterday. And Square? They again attempted to withdraw funds from my account for a known fraudulent dispute. My Square account has been frozen for three weeks. My advice? There are other safer and more responsive service providers out there. Stay away from Square.

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                                                                                                              Neil

                                                                                                              In common with many of the other comments, all was fine until a client asked to process a large payment (a month’s consulting) through a card. Without notice Square demanded all the information listed below and then deemed the account high risk and refused to release the funds for 90 days (minus their fee no doubt). No reason given and none to be supplied according to the letter. It does not look good to go back to the client and tell them that we could not process payments. So we are stuck with waiting past the year end for our payment. This checking should have been done up front and the decision made before any payments were processed.

                                                                                                              Recommendation: Stay away! Stay well away from Square!

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                                                                                                                Belinda Sizemore

                                                                                                                I have been working with Square for 4 years, i have a salon as i read these reviews very confused i have never had a issue, always been able to get some one on the phone when call and i have grown every year! Love this company! I think they do a great job

                                                                                                                4

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                                                                                                                  Kirk

                                                                                                                  I pre ordered the chip reader that bluetooths to your devices. I go to use it for the first time after finally receiving it moths ago just to find out that it doesn’t connect to my phone. How can a bluetooth device that runs their register app not be compatible with their hardware? It is BLUETOOTH for God’s sake!! I call them up pissed of making me look like a fool to my client when it doesn’t work. Just for the new age hippy way of patronizing a person that has every right to be upset. It isn’t like I am throwing a tantrum because I didn’t get a gummy bear snack in my lunch box. This is a BUSINESS and loss of money we are talking about folks. Do not patronize me or others when you have a crappy business that causes us to lose money and clients.The lady said sorry over and over and over…..number ONE mistake in my eyes!She offered me a puny 100 dollars of free transactions for my trouble…..number TWO mistake.She said she would see if their plug in device would be compatible with my phone……I gave her the make and model and sure enough was untested…….number THREE mistakeI told her that I would no longer do business through Square, because when a company pisses me off this bad and makes me lose business then they lose my business in return. She got me my info for the return of the product so I can get refunded the 49 dollars I spent….MINUS the shipping and hassles…….number FOUR mistake.I also got an email about getting 100 dollars of free transactions or 180 days which ever comes first. As often as I need to use it I would end up getting nothing in return……number FIVE mistake.I have been very insulted. They have tried to pull the fast corporate smooth over a pissed off customer by offering a very tiny offer like I am some child that is a sucker. This to me proves that corporations charge for the value they think they are, but downgrade the consumer with measly offers to say sorry for wasting the consumers valuable time, money, emotions, and well being.YES Square I do not fall for that slide of hand trick. I cut ties and say good riddance to the corporation that swindles me out of my value! If I did it to wal-mart 25 years ago. I will do it to you. Never again will I do business with you or any subsidiary company you may own.

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                                                                                                                    Jeff Jones

                                                                                                                    Same as below. You think you’re all set up, you start charging your clients and then BAM..All of a sudden Square is concerned about security. Not before they charge your clients. It’s after they have the money that they become concerned and feel a moral obligation to hold it and hold it and hold it…. Very interesting. So like everyone else 1) they have my money 2) I can’t get it 3) nobody cares. I didn’t think this could happen in the country.

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                                                                                                                      nbaj

                                                                                                                      All you have to do is contact the BBB and file a complaint in San Francisco. You’ll get your money back. That’s how i had to do it. Didn’t take long, but sure after, Square closed my account.

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                                                                                                                        Carey

                                                                                                                        POS should stand for Piece of shit!! This company is nothing but a thieving scam, and fraud that needs to be put out of business. After doing business with them for more than 2 years with no issues whatsoever with my account, they accepted a credit card payment for my account at 11:00 A.M. and then at 4:00 P.M. on the same day determined my account to be “risky”, for no reason whatsoever and “deactivated” my account and said they were holding my $4,000.00 for 90 days before releasing it, again, for no reason whatsoever. Avoid these scam artists like the plague!!!! If you are a current customer, you better get out while you can. It’s just a matter of time until they screw you too. Don’t believe me, there are literally hundreds of complaints like mine on Rip Off, and other sites!

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                                                                                                                          John Roberts

                                                                                                                          First, my experience with Square has been great. Instant deposit is fantastic and functions exactly how they said it would; if the payment was more than $50, I can click “instant deposit” and it’s in my bank account immediately. Secondly, allow me to address negative reviews since I’ve been processing credits card for many years. Square is “non-underwritten” when you first sign up. That means they allow you to process cards without any type of check. That works well for low volume and low sales-point items or services. As soon as you start processing high volume or high ticket priced items (items/services that cost thousands for a single transaction) you now have to be underwritten. That means bank statements, business documentation, licenses, credit check, etc…Fully underwritten is the system you’re going to need to process high volume with any credit card processor, so if you’re a high volume or high ticket sales business, you’re better off to get fully underwritten from the beginning – so prepare the last 3 months of bank statements from your business checking and prepare for a credit check.

                                                                                                                          5

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                                                                                                                            Travis

                                                                                                                            Be careful with this company they will stop doing your deposits but they will tell you you can keep running credit card transactions through them they will demand a bunch of paperwork on your business and copies of the invoices once you give them all that they will tell you that it’s still going to take a couple days to investigate and make sure this is a legit company and make sure there was no fraud Act and when you try to call them it will tell you that you have a 15 to 20-minute wait then it will give you the option to push one for a call back and tell you that you will not lose your spot in line but trust me you will not receive a phone call back for 10 hours I was in bed last night at 10:30 at night when they called me back and I’m on Eastern Time and I left him a message at 12:20 which is Eastern Time and they weren’t open because they are 3 hours behind us this company will give you the biggest run around and biggest headache there is out there and I have been dealing with this now for 4 days and they still haven’t resolved my problem yet

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                                                                                                                              Marckinson Charles

                                                                                                                              Square works just like a bandage. Its good for temporary events. It should not be considered a long term solutions for businesses. People can use it for yard sales and other fund raising events But if you are going to be in business everyday then get something permanent.

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                                                                                                                                Village Bike Rentals

                                                                                                                                We’ve been using square as our payment processing system for 2 years. Theres a busy coffee shop down the street thats using it as well. To suggest its good for temporary events and yard sales shows that the reviewer doesn’t really know what he or she is talking about or just hasn’t used Square the way its intended to be used. The reporting is fantastic, the system is customizable, the fees are reasonable, we have had zero issues receiving funds and checking people out is fast and easy.

                                                                                                                                5

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                                                                                                                                  AudioBuy LLC

                                                                                                                                  Ok Square should be avoided , this is what happened when we tried to join Square alongside our current payment provider Paypal :1. No response to emails or phone calls.2. Their phone numbers are all bots who ask for code numbers which can’t be found3. They spam you with emails , we’ve received hundreds at a time.4. They deposit a few cents into your account and then say your account is “unverified”.5. Absolute Joke – Avoid Square , use Paypal.AudioBuy LLC currently manage , own and operate the following websites :AudioBuy AustraliaAudioBuy South AfricaAudioBuy CanadaAudioBuy SingaporeAudioBuy IndiaAudioBuy Hong KongAudioBuy NederlandAudioDubai

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                                                                                                                                    AudioBuy LLC

                                                                                                                                    AudioBuy LLC use Paypal to process all card payments , we are looking for a secondary method so we have TRIED to reach out to Square. Their admin console asks for bank account verification which we completed , they then proceed to deposit a small amount of money into our account – days later they then says verification failed and Square cannot be used. Everytime we email Square we receive no human response but about 15 automated responses every time.Is this the norm with Square? With Paypal , you visit their site – create an account and can begin trading. The process with Square so far is concerning to say the least.

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                                                                                                                                      Tom Igleheart

                                                                                                                                      We had been doing business with Squaretrade for about 3 years. Had no problems with themtaking pymts and no problems getting our funds deposited into our account.They had been sending us emails telling us we may qualify for a loan up to a particular amountbased on our credit card monthly processing. We ignored the emails for 6 months or so and decidedto apply. I mean the payback is deducted from your credit card monthly processing and we thought would be a good way of getting some immediate cash. Well they turned us down. About three days later we get an email from them telling us they haveterminated our account with them, and we can no longer process credit card payments immediately! Luckily we had no outstanding business for them to hold, like I see from many other comments here, but it left us scrambling for a credit card processor. We processed any where from $ 5,000 a month to $ 28,000 a month. They didn’t even give us a reason other than to refer to article # 6 in our agreement, which is so vague, we still don’t know or understand. Plus you can’t talk to anyone without emailing, then getting a code from them, which we also had issues with the codes to communicate.Our last email from the basically said their decision was final.Poor way to conduct business, at least give us a 30 day notice to give us time to get anotherprocessor in place. Made us look questionable to our customers when we had to hold credit card pymts, or ask for other forms of pymt they weren’t accustomed to.Again, I’m glad we lost no money, or had funds held like others here. I continue to be puzzled bytheir decision because we never had ANY issues, until we responded to their loan application.

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                                                                                                                                        Laverne Coulter

                                                                                                                                        Caution AdvisedThis is a system that is totally useless,,,,for most businesses. I have been in business for 14+ years used Global Payments, Pivotal Payments before in past! (always some problem… they love to keep your money as long as possible) Only 1 Consumer review in 14 years and held up my money for couple days/week but got it returned! This sounded like better deal at first!!!! CAUTION! CAUTION!Small Business, heating and air conditioning over $100,000.00 + a year in VISA, MasterCard sales 5 Days set up — that`s goodReasonable to purchase— That`s good First couple weeks payments put in account —-that`s good Friday of 2nd week message your account is on hold,,,, need to fill out information request , 1) government registration (again) 2) Last months bank statement —Are you Kidding3) month before last month statement—Must be Joking4) 3 months ago bank statement– Really are they mental,,,, better review this company more,,,yikes they do this to everyone at sometime by sounds of it. 5) call support,,,, not available ,,,, only at there time Monday to Friday 3 hours different time zone.6) At least they have a return funds button …. refund customers money wait 5 days for them to get back they say I hope that works. Call them tell them to watch statements for there refund to cards (did email them receipts that money had been returned) but takes days and seconds for them to remove it from cards… (funny how that works with all of them, quick to take slow to return)7) This system is used by a family member no problem yet for them but looking like last time they will use!8) requested my LinkedIn account was asked for also —– WHY ,,,,WHY i don`t even use that gossip channel ,,,,, because I work every day! (“George got new post, head pencil sharpener”) 9) I am glad this happened this early on before I had used this non-service much!10) Caution Caution read reviews if it sounds to good to be true it probably is. I pretty sure I would be hearing lots of other services they offer after looking at bank statements!!! (Can we pay your bills so easy for us to do for you) Only charge 2.5 percent for them!!! (forgot they just added that service and payroll,,) 11) Caution….First. Can`t believe all or at least your local bank wont have similar services available within a few months…. wait it out!!!12) E-Transfers a way better option,,, No fee yet, other than bank fees for business accounts13) I believe this company just waits to get you “over a barrel so to speak” to get your bank statements, invoices ect. I fully understand why BBB has been notified about them!

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                                                                                                                                          Russ Reno

                                                                                                                                          I have used Square for five years. It is difficult for me to give an overall rating. I will give Square 5 stars for being a cookie-cutter start-up to a business that ships products and merchandise. 1 star for use of a business in the service industry such as tourism, consulting or marketing. It is simple to set up an item as long as it is a basic item with nothing too complexed. Should you need moderate or advanced settings, the limited “modifier” becomes a convoluted run-on-sentence of items – all in one category. You cannot add fee’s or percentages unless you make a modifier for each and manually calculate the percentage for every possible dollar amount. (ergo the run-on-sentence) The online store is a separate program from the register, which is a separate program of the desktop version and they all have different settings and ways of doing the same function. (huge learning curve) All three talk to each other and not on a consistent, or real time basis, SO settings are lost, changes are deleted, and functions are missing. On a good day. NEVER open all three at once. You will have to close and reopen one at a time depending on the setting you wish to edit. Discounts only work on the entire transaction. If you want to add a discount to an item, (NO you cannot add to the run-on-sentence, it will not allow a negative amount) you have to make a NEW item with a reduced price. It was easy for me to start my merchant services and simple to make my first item and modifier. Thats it. I have been fighting the program ever since. I hope Square, or someone with the same basic features, will come up with an advanced version. The prices just increased this month. It was difficult to stay. It is barely worth the frustration now. The Square Register and reader are great, so is the Register program A+. Unfortunately, you have to take your cash register off-line to edit, if you are using it at a street-front location, this can be difficult and result in loss income. I have too much invested in Square to quit now. HOWEVER, if someone comes up with a better program, I am out-a-here. Overall rating, 2.99 stars.

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                                                                                                                                            We've done in-depth research on each and confidently recommend them.

                                                                                                                                            John

                                                                                                                                            I have been using Paypal Here for my business for the last year or so. I am considering switching over to Square, mainly because when keying credit card numbers manually (not swiping the card), Paypal holds my funds for 30 days before releasing them into my account. I needed to talk with a Square rep about their holding policy on keyed transactions. I called and sure enough I was asked for a code which I didn’t have. So, I went to their website and had to sign-up for the first time, which I did. Once in the main dashboard, I clicked on “Support Center”, then “Contact”, then I selected any one choice under “Product”, then another choice under “Topic”, then I selected “Call Us” and I was presented with the phone number and a code! I called right away and spoke with Scott who answered all the questions I had and more! I don’t understand the myriad of people in this forum saying that there is no code available. I just visited the Square website and signed up for the very first time and I found the code in no time! People: you need to follow every step, as required, and you will find the code you need. Now, I don’t know if their services are really good or really bad as some report, but in their defense, there is a code available and there are live English-speaking knowledgeable reps such as Scott. He just sent an e-mail to follow up everything we discussed.

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                                                                                                                                              John

                                                                                                                                              Square is the real deal, both as a credit card processor and as a POS. I have worked with and programmed several POS systems over the past 30 years, including Remanco, NCR and (for the past 20 years) Micros. I had no intention of leaving Micros, Micros left me no choice. My Micros (2006) had numerous issues that were very expensive to fix. re: Windows XP no longer supported, cc compliance issues, merchantlink fees, no local tech support. All of these issues were very time consuming, distracting and wore on my management team. Make no mistake, if you want to spend the time and money, Micros hardware is top notch, but today with the cloud, I feel hardware should be bought with the understanding that it is disposable. If the $300 iPad air broke, I’d just replace it and move on. With Micros, it felt like no matter what upgrade decision I made, at some point I’d end up right back with the same issues. I spent 6 months researching the latest POS systems and not one of them could come close to what Square could do (and for free). Using Square’s template, I wrote a Micros 3700 database onto Square and have been tweaking daily. It’s so easy, every day I find a cool new feature that will simplify my operation. The only request I have from Square would be to allow its existing customers the option to integrate other cloud based apps into their system. Specifically, I use 7shifts, and since we have so much data on 7shifts, It wouldn’t make since to switch to the authorized Square apps. But, I will hold out hope as the Square App market is small and from my perspective is just getting started.

                                                                                                                                              5

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                                                                                                                                                Arleita

                                                                                                                                                I’ve been using Square for the past year and a half. I was really pleased with the newest features that were added to make business run smoothly and help business owners be more productive. I use to use Customer Engagement Pro which was $15. This service allowed you to send emails, develop a customer loyalty program and store client information. Due to unforeseen changes within my business I had to scale back on costs, and this was one of the programs I eliminated. (I cancelled the earlier part of 2016) Now things are running smoothly and I wanted to begin with the Customer Engagement Pro service again. I went online and much to my surprise Square split up the features found in Customer Engagement Pro and are charging $15 per service. I was definitely taken aback by this. I felt it was a way to get more money for less product. They have begun to charge for everything!!! Square Appointments $30!(Which many other companies offer the service for half the cost) Email Marketing $15, Loyalty Program $15. I feel like Square is joining the masses and nickel and diming their customers to death. Stop with the extra charges. Enough is enough!

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                                                                                                                                                  Tom

                                                                                                                                                  I’m very disappointed with this service. I’ve had square for 3-4years. I haven’t used it much in the past, however my business is growing and it demands more options regarding payment from customers. I used it for the first time in a long while and the transaction was processed. My card swipe didn’t work so I was forced to manually enter the card number. Of course I was charged more + .15 cents. Then they now have a hold on my funds. I’m a small business and I can’t afford for this to happen. When I finally talked to them they did not explain why other than they want a better understanding of me , my customers and my business. They want my bank statements as well and I’m not to pleased with that. I really don’t think that’s any of their business!! I just want my money!! Once I do get it, I’ll never use this service again and I’ll do everything in my power to share my unpleasant experience. The way they do this is very wrong and they should be repermanded!!

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                                                                                                                                                    mary callahan

                                                                                                                                                    I’ve been using Square for my small business for about 4 years. All was well, more or less – there were a few annoying glitches but they were balanced out by our good experiences. We never had any problem with deposits, holds, etc., but it is rare for us to process more than $1000 by credit card, so perhaps that’s a factor. I probably would have stayed with Square, and given them a higher rating, if it hadn’t been for the new chip reader debacle. It has been a pain from beginning to end, culminating in my finding out (after many hours of Internet research and tech support calls to Samsung and Square) that my widely-sold, Samsung tablet is not compatible with the new, mandated hardware. This leaves my tiny business in the position of having to buy a new device to use the new reader or change providers. Since we operate on a shoestring, the choice was obvious; I decided to request a refund and change to Intuit’s service. Unfortunately, because the new reader finally arrived in the middle of tax season, and I could tell getting it working was going to require a time commitment, I opted to tackle it when I finished our taxes (had a massive, forensic accounting task on my hands due to mess left by former employee.) Big mistake. This decision put me outside Square’s 30-day refund policy. I contacted them via email to explain why it took me so long to discover the problem was not going to be fixable. I took responsibility for putting off the task, but also noted that I made that choice due to the arcane nature of their support pages, the difficulty of quickly finding answers, and my assumption that I would get it working in the end. I believed my common device would be compatible – largely because it was not readily apparent from looking at their support pages that some devices might NOT be compatible. (In fairness to them, it turns out there is a list…but you have to know how to find it. So, not very helpful.) I added that their support person I spoke with by phone couldn’t identify the problem, either – I had to call Samsung. I asked Square if they would make an exception. They replied with a short email simply restating their policy. I replied that I knew their policy and, once again, explained what happened and why I did not feel totally responsible for the delay. I asked them to reconsider; they refused. I have given this some thought over several days and have decided I’m not just being a big whiner – I still think my request was reasonable, especially for pristine, unused equipment in its original packaging. Had one of my customers come to me with a similar story, I would’ve simply granted the refund, if only for the sake of good will. As it is, I feel like Square added insult to injury, and now I will never go back. I got the distinct impression that they don’t care about me or my problems, and that my good opinion was not worth $40 to them.

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                                                                                                                                                      Lisa Wyckoff

                                                                                                                                                      So much for no hidden fees! Every review and everywhere on their website claims a straight 2.75% with no additional fees. Well, a Square sales person called me- in response to an inquiry I submitted. They answered questions and then asked me about the amount I would be charging per transaction. I own a small business- coffee shop/gift shop. I was informed sice I wouldnt have lower amounts per transaction, I would be charged the 2.75% PLUS .15 per transaction. Nowhere can I find this .15 extra. Square is not honest- find another company!

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                                                                                                                                                        Charlene Kelley

                                                                                                                                                        Do you know if there is a way to view cancelled tickets on square? I have an employee I suspect is canceling open tickets & pocketing the cash. It shows up as “no sale” on the activity report.
                                                                                                                                                        Also, do you know if there is a way to turn off the ability to cancel tickets or set it up where the employee has to have a manager override in order to cancel an open ticket?
                                                                                                                                                        If there is no way to do either of these…this is a real issue square should review & fix!

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                                                                                                                                                          Aneeda Contadeluci

                                                                                                                                                          I suggest a real merchant account with a rep who is your first point of contact. As long as the average ticket is more than $20 there are much lower fees available. Paypal rates are also higher, that is why there are no monthly fees.

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                                                                                                                                                            Russ Reno

                                                                                                                                                            (I have an employee I suspect is canceling open tickets & pocketing the cash. It shows up as “no sale” on the activity report. Also, do you know if there is a way to turn off the ability to cancel tickets or set it up where the employee has to have a manager override in order to cancel an open ticket?)
                                                                                                                                                            Yes you can limit your employees access so they will not be able to cancel a ticket unless they enter a code. Honestly, I have not tested this, and you may have to set up, and be charged, separate employee accounts.

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                                                                                                                                                              Alisha

                                                                                                                                                              ABSOLUTELY a BS Company.

                                                                                                                                                              If you need help trying to speak to a live person, you might as well give up. You need a code which is not easily provided. I have yet to speak to a representative because I don’t have a effin code. I spent hours trying to find a way to my situation taken care of. They help my deposits but haven’t released them. They asked for all my private business documents and I’ve sent them all and still no response. They haven’t taken care of this issue but hey they said you can still make deposits with them. WTF? Why would I keep depositing with SQUARE if your not going to release my money? I have expenses to pay off and need it done in a timely matter but hey…THERE IS NOT ONE TO TALK TO. The hell with this company!

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                                                                                                                                                                We've done in-depth testing of each and confidently recommend them.

                                                                                                                                                                Aneeda Contadeluci

                                                                                                                                                                Good Article, comments and reviews. One of my clients is considering moving to the Square, so I needed to do some new research. Thanks for all the feedback. After 11 years providing merchant accounts and 20 years of public accounting, the square is a good source for low volume merchants. If a business is processing more than $2000 per month, a real merchant account is better. Make sure you have a rep that will be around when and if you need them. Thanks Tom! I just found this site, will visit again.

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                                                                                                                                                                  Jessica Landeros

                                                                                                                                                                  We have been back and forth with customer service and the dispute team and it has not be helpful. Our company is suffering because of the Square’s lack of communication and actions. It took about 4 days to be contacted by the Square after seeing a withdraw of $5,745.66 on our account from the Square. You cannot get a hold of customer service without a code and I could not find my code anywhere. I called several times a day and emailed at least 5 times and was still not contacted by anyone.We are a small family owned business who had a stubborn customer who made a dispute, but it did not take long for them to realize they were wrong and cancel the dispute. They made our account negative a few times and tried multiple times to take out the money. The dispute was canceled by our customer and the Square still took out the $5,745.66 from our account. The Square should have canceled the debit immediately but instead debited our account 3 days after the dispute was canceled. This has taken up a lot of our time and we cannot conduct business without that money. We are a small business and something like this puts us in a bind. We have vendors to pay and projects to start and we can’t run smoothly because of the Square. I am very disappointed and will be looking for a replacement for the Square. I will not be recommending the Square to anyone and I will be reviewing on every page I can find to stop people from getting the Square. We just started our business and the Square has made this nothing but difficult.

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                                                                                                                                                                    Jessica Landeros

                                                                                                                                                                    We have been back and forth with customer service and the dispute team and it has not be helpful. Our company is suffering because of the Square’s lack of communication and actions. It took about 4 days to be contacted by the Square after seeing a withdraw of $5,745.66 on our account from the Square. You cannot get a hold of customer service without a code and I could not find my code anywhere. I called several times a day and emailed at least 5 times and was still not contacted by anyone.We are a small family owned business who had a stubborn customer who made a dispute, but it did not take long for them to realize they were wrong and cancel the dispute. They made our account negative a few times and tried multiple times to take out the money. The dispute was canceled by our customer and the Square still took out the $5,745.66 from our account. The Square should have canceled the debit immediately but instead debited our account 3 days after the dispute was canceled. This has taken up a lot of our time and we cannot conduct business without that money. We are a small business and something like this puts us in a bind. We have vendors to pay and projects to start and we can’t run smoothly because of the Square. I am very disappointed and will be looking for a replacement for the Square. I will not be recommending the Square to anyone and I will be reviewing on every page I can find to stop people from getting the Square. We just started our business and the Square has made this nothing but difficult.

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                                                                                                                                                                      Amad Ebrahimi

                                                                                                                                                                      Jessica,

                                                                                                                                                                      Can you let us know what type of business you are so that our other readers in the same industry can beware?

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                                                                                                                                                                        Chris McWhorter

                                                                                                                                                                        I am currently going through a hassle with Square myself. I am an attorney that has a nation-wide practice. I rarely accept credit cards — usually just checks. However, I have had several clients that asked to be able to pay with credit cards. And, like most people, do not want to tell my clients, “No, you can’t pay me.”To be flexible, I set-up a Square account and used their service. The particular client that I was working for had me handling 6 cases for his insurance company, and two of them were due payments on the accounts. So, I ran the 2 charges through — totaling about 3k. I have a ZBA (Zero Balance Account) for my business, which means that the account itself always has a zero balance, and there’s another account linked to that account. I authorize the payments, and when they come through, the money is transferred from the linked account to the ZBA account. It protects me from fraud, etc. (Great idea for any business owner, just so you know — and I won’t charge you for that advice 🙂 )Because of that, Square would not be able to link my Business Checking account with Square, so I opened up an account specifically for them. They did their transfer of .49 cents, and the account was linked. Despite having close to 3k waiting to be deposited, it took Square an ADDITIONAL 3 days, after all of the transfers were done, to “approve” my bank account.Square’s cut off for depositing funds is 8:00 pm EST. On Friday, at 8:32 pm EST, I was sent an e-mail saying that my account had been approved and that my deposits would start on their normal schedule. After looking at the deposit schedule, it appeared that it would be deposited Sunday night and be available on Monday morning — no problem.So, the rest of Friday passes — knowing that the 3k was pending deposit — Saturday, Sunday (when the deposit was supposed to be made) … Sunday at 8:01 pm EST, I receive a notice saying that I must provide them with documentation supporting the existence of my business. I am a licensed attorney in 6 States, and over 41 jurisdictions … I have a VERY real business, and it’s not hard to discovery that.At any rate, they asked for all of the documents that everyone else with complaints have been asking for. I sent it all to them, and still waiting to receive my money. AFTER the fact, I researched the company (in my defense, I had a friend that used Square back in 2011-2013 and never had a single problem with them, including processing a few transactions for me). I found all of these complaints and my first thought was “Screw them, I’m suing.” I don’t need to hire and attorney or seek legal advice. I had lunch with the Attorney General of my State less than a month ago. I worked for the United States Department of Justice as a prosecutor for almost 9 years. I know EXACTLY how to file Class Actions suits, get the Attorney General to write letters, etc.Then I fully read the Seller Agreement …First, you cannot sue Square. When you set up the account, you agreed to Arbitration. Arbitration is much faster than a lawsuit, and costs much less … However, the way it is worded in the Seller Agreement essentially confirms that they would make you fly out to San Francisco to have a hearing. Not really worth it for a few thousand dollars — hotel, rental car, food, etc. would cost more. They even generously agree to pay for the Arbitration Fees (typically less than $1000.00).Second, you cannot even join a Class Action lawsuit — should some trailblazing attorney even attempt one (very few would, because of the Arbitration Agreement and all of the litigation involved to get around that) … But, by using their service, you specifically agree to *NOT* be a member of a Class Action Suit. Specifically, Paragraph 51 contains the following language:”ANY ARBITRATION UNDER THIS AGREEMENT WILL BE ONLY BE ON A INDIVIDUAL BASIS; CLASS ARBITRATIONS, CLASS ACTIONS, PRIVATE ATTORNEY GENERAL ACTIONS, AND CONSOLIDATION WITH OTHER ARBITRATIONS ARE NOT PERMITTED, AND YOU ARE WAIVING YOUR RIGHTS TO HAVE YOUR CASE DECIDED BY A JURY AND TO PARTICIPATE IN A CLASS ACTION AGAINST SQUARE. “Finally, you’ll also notice that you agree to *NOT* participate in a Private Attorney General Action — which is where you contact the Attorney General, and they institute a suit to right whatever wrong Square decided to commit that day.So, my first though was “How to get around” all of that language. I thought of 2 options: First, I could, on my clients behalf, sue Square in their name (and just represent them in the suit) for not processing the payment as they requested, i.e. the money was taken off their credit card, they are now (typically) being charged interest on that money, and must make credit card payments. The way I thought about doing that was simply refusing to continue to do work on THOSE cases, until I was actually provided my money.There’s a lot of legal maneuvering involved, but nothing I haven’t got around before. However, the Seller Agreement essentially stops that: Paragraph 46 provides that you will indemnify Square, which means that you will support them in any lawsuit against them for, “any transaction submitted by you through the Services (including without limitation the accuracy of any Seller Content or product, service, or transaction information that you provide or any claim or dispute arising out of products or services offered or sold by you).” So, that option wouldn’t work.Then, I thought, well, I could sue my client for not receiving the payment, and then have the Client interplead Square(a civil maneuver that allows a defendant or plaintiff to bring a third-party into a suit, when the suit cannot be properly decided without having them present). I would essentially still be able to sue them, because *I* am not the one who brought them into the suit, my client would have. And while there would still be some issues with the Indemnity clause, I wouldn’t worry so much about that … because, again, *I* am not suing them, I am suing my client. And they are not being sued over a transaction that *I* processed, rather I am suing a client, and the client is upset that THEIR money was never released to me, per the agreement with THEIR credit card company.Then I found another nasty little clause: “You agree that our receipt of transaction proceeds satisfies the Buyer’s obligations to you.” This can be found in paragraph 8. So, even if I were to sue my client, and they interpleaded Square, both Square and the client (whom I really do not wish to sue) would get the suit dismissed (Square would file the Motion to Dismiss on their behalf).In short, the only possible way to be able to get at Square is if some Attorney General instituted a suit against them for some type of fraud. The interesting part about that, however, is that Square is not violating ANY laws — yet. The Sellers Agreement specifically states that they can hold your money: “At any time and from time to time, we may temporarily suspend or delay payments to you and/or designate an amount of funds that you must maintain in your Square Account or in a separate reserve account (a “Reserve”) to secure the performance of your payment obligations under this Agreement. We may require a Reserve for any reason.”The problem with screaming fraud, and getting someone in power to listen to ANYONE (even me, who worked with and for a lot of these guys for YEARS), is that you AGREE to this. And Reserve’s are not outside of normal business practice. A customer and challenge a charge to a credit card for up to 180 days. So, most merchant services either, a) are credit based, and waive the reserve because of credit worthiness; or b) require 10% or more of whatever you charge to be placed in reserve … It unfortunately is not fraud.It sucks. Square SUCKS. And from someone that knows the *FULL* ramifications of liable actions, will say that they are EXTREMELY unethically and have VERY bad business practices from their clients point of view. I tried to call 3 times today, nothing. Put in for a Call Back, nothing.Maybe I’ll get my money, maybe I won’t. But, I can assure you, after reading the Seller Agreement — which I should have done to start with (but, again, didn’t foresee any issues, and knew I wouldn’t be using it too much) — my account will be promptly cancelled. Horrible company. Luckily, 3k is not that big of a deal to me, but for a WHOLE lot of America, it is. ESPECIALLY small businesses. And it sucks that they have gotten away with so much. But, my STRONG suggestion would be to continue posting complaints, continue filing with the Better Business Bureau. File Complaints with the Federal Trade Commission, specifically, based upon False or Misleading Advertising. In their Support section, Square states, “With Square, you can choose when to receive your funds through one of our three deposit options. Square doesn’t have deposit limits with our standard or custom schedules. We won’t hold funds based on the amount, frequency, or type of transaction.” See https://squareup.com/help/us/en/article/3807-what-are-square-s-deposit-schedule-optionsThe statement “We won’t hold funds …” is actually untrue. Because if you first open an account and run a large amount of money (I don’t know what it is, but say $500 or more), they do hold … because they want you to send them reams of paperwork to “verify” your business. That’s False or Misleading.I’m filing a complaint with the FTC, and FULLY encourage everyone else to, as well. It may not SEEM like much at first, but the FTC will sue them QUICKLY. “When the FTC finds a case of fraud perpetrated on consumers, the agency files actions in federal district court for immediate and permanent orders to stop scams; prevent fraudsters from perpetrating scams in the future; freeze their assets; and get compensation for victims.” See https://www.ftc.gov/news-events/media-resources/truth-advertisingImagine how they’d feel if THEIR assets were frozen.Something to think about.

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                                                                                                                                                                          Jeannine

                                                                                                                                                                          Organization Name: DRCKS.

                                                                                                                                                                          Wow! Thank you for the time and effort constructing your comments. I was asked to help install a POS system for a friend with a deli. I recommended Square. They aren’t a risky business per say – but I’d hate for them to be terminated because some customer bought a sandwich with a card linked to a someone on a payment plan or some stupid thing. I was pretty much thinking it was over for Square until I read your review. It is definitely over for Square. When a company institutionally discourages fair procedures to resolve issues it is showing you what business they are really in. A calculated and legitimate revenue stream for them is – in addition to the interest to holding funds – is folks who gave up pursuing arbitration. It;s calculated and wrong. It does not encourage improvement and efficiency in service – it rewards inconsistency and error. They cannot be engaged on principle alone.

                                                                                                                                                                          Thank you for your service.

                                                                                                                                                                          • Organization Name: DRCKS.

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                                                                                                                                                                          Tessa Brown

                                                                                                                                                                          Hi, I’m looking for a good POS system to use for a small cafe. I’ve talked to a few merchants who said they use Square Register as their point-of-sale, yet process transactions through Moneris. Is this possible? I had downloaded Square to try it out, but it doesn’t let me finish the transaction without going through payment processing. Anyone can shed light on this? Thanks!

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                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                            Hi Tessa,

                                                                                                                                                                            No, that’s not possible. Square POS can not connect with Moneris. If you use Square POS, you must use Square payments. Check out our POS finder for help choosing the best system for you.

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                                                                                                                                                                              HANKTHTANK

                                                                                                                                                                              Please, please read through all the negative comments on this thread, then choose any other POS merchant service provider than Square! If you choose this company, you are playing roulette with your money, as they are known to arbitrarily cancel your account and hold your funds for 90+ days, for no good reason. Once they cancel your account, you will have NO WAY to speak with anyone, as you are no longer a customer. Thankfully, when this happened to my company, we had only run 3 charges, so we were able to get our customers to cancel their charge, and allow us to re-run under our old merchant account. Many small business owners on here have not been so lucky. There are too many reputable merchant service providers out there to risk your business on this unethical and scrupulous merchant provider. Good luck!

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                                                                                                                                                                                Tashia Smith

                                                                                                                                                                                Hi, Tom. I was wondering if you could give me a recommendation. I own and run a small business. It is a sensory gym for children that focuses on special needs children. We are very new and small and average about $3300-$4200 in sales currently. I have shopkeep and use payment depot to process the transactions. However, I use square for my online store and to send invoices for groups and other programs when parents cannot come in to make payments. The issue I am having is my funds through payment depot seem to be taking longer and longer for me to get. Whereas, my funds from invoices and online deposits through square, I almost always get the very next day. With payment depot, I have had to wait until as late as Thursday, to get money from sales on a Sunday. It has caused issues with insufficient funds as we desperately rely on those funds being deposited. I was considering switching to square due to their promptness with depositing funds but I have read all these horror stories with funds being held. Any recommendations?

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                                                                                                                                                                                  Patricia Gail Cowden

                                                                                                                                                                                  Just received another email that said since I am no longer a customer no one can talk to me by phone. Buyer Beware

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                                                                                                                                                                                    Patricia Gail Cowden

                                                                                                                                                                                    DO NOT SIGN UP. I own multiply vacation rental properties and as well as two other businesses. I signed up with square yesterday and processed 2 transactions, 1 for $500 and 1 for $7100. I have funds from another processor deposit on almost a daily basis into my checking account. I own 2,other business with money’s going to the same bank. Then I get an email that they deactivated my account and can not release my funds for 90 days or I could refund and get another form of payment but refund will not be processed for 60 days. I am sure the guest who I charged the $7100 For a three month rental would be fine with thus. This gentleman is doing special forces training in Fort Walton Beach, Fl. The card was a military credit card paying for his lodgings. I rent to these guys all the time. Square says decision they say is irreversible but try talking to a person. Do not sign with anyone you can not get a live person on the phone. That should have been my first clue.

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                                                                                                                                                                                      Paul Evans

                                                                                                                                                                                      They are holding almost $15,000 since October 2015. I call them almost every day and they say they can not call the department in charge for this kind of situation. I am so frustrated and upset. I went back to Chase Merchant Services because they provide officers that can resolve any issues over the phone. Cheap costs! This is an unlawful appropriation of funds. I would totally sue them if I would gain me some profit from it.

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                                                                                                                                                                                        Jay Rose

                                                                                                                                                                                        Did you ever get your money? They have been holding mine for over 6 months and won’t answer my emails or messages. My deposit just says “pending”. Help, how can I get a hold of them to clear my funds.

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                                                                                                                                                                                          Paul Evans

                                                                                                                                                                                          I did get my money but it took 5 months and here is how I was able to contact them. I had two merchant accounts with Square. Somehow the account that they were holding the $15,000 did not offer an option to get a code to call them. It seemed like they knew there was a claim to be made so that option, the code to call them, was not available anywhere when I logged into the account. On the other account it was available so that is how I was able to call them. I would request a claim code through the other account which had no pending transactions and once I was able to get through and speak with an operator, who was only capable of seeing the balances on her screen, I would explain what I was going through with my other account. I spoke with them like 10 times without getting any immediate response. All they said was that they had to pass the case to their supervisors and when I requested to speak with the supervisor they said that they were not available. Square is a scam. They should not be allowed to conduct business. They are committing conversion and illegal appropriation of funds which both are illegal. Stay away from Square!

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                                                                                                                                                                                            Myka

                                                                                                                                                                                            Have you received your funds finally?

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                                                                                                                                                                                              Paul Evans

                                                                                                                                                                                              I did get my money but it took 5 months and here is how I was able to contact them. I had two merchant accounts with Square. Somehow the account that they were holding the $15,000 did not offer an option to get a code to call them. It seemed like they knew there was a claim to be made so that option, the code to call them, was not available anywhere when I logged into the account. On the other account it was available so that is how I was able to call them. I would request a claim code through the other account which had no pending transactions and once I was able to get through and speak with an operator, who was only capable of seeing the balances on her screen, I would explain what I was going through with my other account. I spoke with them like 10 times without getting any immediate response. All they said was that they had to pass the case to their supervisors and when I requested to speak with the supervisor they said that they were not available. Square is a scam. They should not be allowed to conduct business. They are committing conversion and illegal appropriation of funds which both are illegal. Stay away from Square!

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                                                                                                                                                                                                Jane

                                                                                                                                                                                                Just wanted to leave a positive review amidst all the negative ones. For a small online business Square has been a good choice (although I have only recently worked with them). Their e-mail responses to my questions have been timely (within 2 days). I do not see a telephone option, however, as mentioned above when you contact their support people. Perhaps that has recently changed. Although Tom had his site up and running within an hour or so, it took me (not tech savvy) and my son many hours to figure out how to create an online site. My one complaint is that when a customer orders more than one of the same item, the shipping price does not increase. For example, if I charge $3 for shipping one item and someone orders 10, the shipping stays at $3. Although I inquired if there was a fix for this, the support people mentioned adding modifiers or price points, but not being tech savvy I could not figure out how to apply this to my situation. Do I make a long list for every single item [ i.e. 1 book, 2 books, etc and each with a different price?] That seems tedious and there is still that little box that allows the customer to increase the quantity without the shipping price increasing proportionately. Any suggestions?

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                                                                                                                                                                                                  Joe Rhem

                                                                                                                                                                                                  We created a Square account and ran a few transactions everything looked good. We then ran $8000 through the system and they indefinitely held the money. There is no one to talk to. When you go to the website to resolve an issue they require a code to call and when you follow the link to get the code it goes to an FAQ and there is no code. This is a fraudulent and non-responsive organization. We are reporting them to all of the state and federal agencies that regulate the credit card industry. Do not make that mistake we made and think it is a fast way to start taking payments. Take the tie to get with a real processor or work with your bank or even Paypal. Square is bad for business we still do not have anyway to get the $8000 back or speak to anyone. When we send in emails we get non-responsive replies. Stay away from Square.

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                                                                                                                                                                                                    James

                                                                                                                                                                                                    I finally got my $3000 after 90 days.We are a small business and it put a strain on us.Please, will some lawyer file a class action against them

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                                                                                                                                                                                                      Elizabeth

                                                                                                                                                                                                      Hey my name is Elizabeth, I just did a transaction of $4000 two weeks ago and it’s still on hold. I’ve called customer service and no reply. Can u please help me? What can I do?

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                                                                                                                                                                                                        Jay Rose

                                                                                                                                                                                                        Did you ever get your money? They have been holding mine for over 6 months and won’t answer my emails or messages. My deposit just says “pending”. Help, how can I get a hold of them to clear my funds.

                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                          We've done in-depth research on each and confidently recommend them.

                                                                                                                                                                                                          john

                                                                                                                                                                                                          Just received an e-mail from this company that must be a phishing scam. Notice of impending debit of $3K from a bank account I have never heard of e-mailed directly to my corp e-mail address with links back to the same company website found via this article and any google searches. I have never used this company for my business before, but I had researched them awhile back and must have given them my e-mail address. Trying to contact them to ensure they won’t be charging me 3k has come up with no response. They won’t take my call unless I have a customer code which makes me submit a whole lot of private information on-line. Very Phishy, beware of providing any information to this company. Negative stars would be more appropriate, since all they have ever done is waste my time and patience.

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                                                                                                                                                                                                            Dan

                                                                                                                                                                                                            If you log in to your account via a computer, at the top there’s a huge disclaimer about a phishing scam going around.

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                                                                                                                                                                                                              VIivan Lin

                                                                                                                                                                                                              I really want to give 0 star. I called the customer service because the square stand is broken (I only used few times) , but they are not willing to help me to fix it. I strongly not recommend people to purchase their products!

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                                                                                                                                                                                                                Bonnie Keeling

                                                                                                                                                                                                                Square should be removed from the market. I used them for 2 years. Loved them! Then, I process a card and the money does not go into my account! It seems I must go through a new “verification process”! Well, here I am 24 hours later (spent the last 10 hours jumping through hoops for them) and I have to refund my customer because Square will NOT deposit into the very same account I have used for 2 years. When I finally got to speak with a customer service representative, he would not allow me to speak with a supervisor. RIO, YOU SUCK. You are only slightly above a debt collector on the crap pile…..worthless.

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                                                                                                                                                                                                                  Jeremy Spears

                                                                                                                                                                                                                  Poor customer support, rather no customer support. Squareup lists a phone support number but requires a Customer Code in order to accept the phone call. I have an active account and have logged onto the site and searched through accounting and dashboard pages and found no Customer Code. The support page doesn’t even provide instructions on obtaining code. It appears to be purposely hidden to reduce support calls from customers.I’ve had an account for almost 3 years with Square and never really needed to speak to customer support so this was a complete surprise when I noticed my deposits were no longer being made but my customers were being charged. The funds are just sitting with Square in pending deposit status. The only option I had was to submit a service ticket through the online form which generated a case number but that is not accepted by the phone filter system. I expect better customer support from a financial service company.

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                                                                                                                                                                                                                    Heidi

                                                                                                                                                                                                                    I’m having problems also but found a way to get the code. From the squareup.com home page in the dark left side of the page scroll down & click on “support center”, At the top right of that page click on the blue “contact us”, On the next page “select a product” (basically select whatever applies best to you) & then your code will appear. Be sure to write it down or keep the web page up while you call. A little complicated but hope that helps!

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                                                                                                                                                                                                                      Brittney

                                                                                                                                                                                                                      Heidi that didn’t work for me, were you able to speak with a live person ?

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                                                                                                                                                                                                                        Robert

                                                                                                                                                                                                                        I recently made payment through this money request from a dealer using it for the first time…they told me the company wanted to hold her money for 6 months , so we are trying to refund me …it is not going very well so far with little to no customer support…if these crooks think there going to hold and steal my money they have another thing coming

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                                                                                                                                                                                                                          Dave

                                                                                                                                                                                                                          In your article you say if you had a small/low transaction business you would recommend square. Do you consider a bar/grill grossing around $250k to fit into that size? We currently only accept cash or local check with an tam on site.

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                                                                                                                                                                                                                            Daniel R. Robison

                                                                                                                                                                                                                            Lost $1800 business with these guys, because they froze my account. Spent hours trying to get through to them. There was no support, and I had to refund the money to my clients in hopes of rerouting another direction. The clients then thought it was me. They took their business elsewhere. That kind of money hurts this time of year.

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                                                                                                                                                                                                                              We've done in-depth testing of each and confidently recommend them.

                                                                                                                                                                                                                              Kevin Collins

                                                                                                                                                                                                                              DO NOT USE SQUARE!!! Nothing but horrible experiences with this company. You will run into a problem with them and when you do, there is no avenue for support. What happened in my case is they out of no where froze my accounts and to reactivate asked for every piece of information you could imagine. This included: all of my corporate documents, bank statements, LinkedIn information, scans of every document you could imaging, more than the government asks for.They may have had a good reason for asking for all of this, but who knows, they never told me and there are no avenues to find out. I have had to deactivate my account and get my clients to contact their credit card companies to remove the charges held in my account.Nothing but horrible experiences with this company, I would recommend using any other company before giving them a try,

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                                                                                                                                                                                                                                JL

                                                                                                                                                                                                                                I own a furniture store and Square deactivated my merchant account in October 2015 because a customer’s card failed to process a few times. They sent me an abrupt email saying that the decision to deactivate the account was final and that they are holding my funds (from the same customer that actually successfully processed the payment finally) for 90 days until releasing it to my bank account. In addition, I was left with no way to process credit card payments from my retail customers for a week until I got a replacement solution (Shopify). Today, I found that that not only are they still holding on to my money, they continued to charge for the Customer Engagement Pro tool on my DEACTIVATED account for the past two months. This was the last draw and I had to write this review to warn others of this inconsiderate company.I would be lying if I said I didn’t enjoy the great design of the product, but Square falls way short of actually understanding a customer’s true needs and they left me stranding at a crucial time of my business, with no real support available. I am staying far away from this company and will advise all of my business owning friends to be ware of them as well.

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                                                                                                                                                                                                                                  Robert Deemer

                                                                                                                                                                                                                                  I’ve had the same problem after making $2,097.53 dollars in transactions money has not been deposited, customer service does not respond or say they can do nothing. Lying saying my account has been deactivated but I have logged on and downloaded reports since then. I’m switching to BankCard because Swipe seems to be another scam. All my transactions were accepted without dispute yet no money can be found and the software says no deposits for this time period. Then after signing up for instant deposit it’s not available although they approve your card. Been holding my money for more than a month. Yet, they tell you to continue using swipe. Are they crazy?

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                                                                                                                                                                                                                                    Kevin Rockitter

                                                                                                                                                                                                                                    WARNING WARNING WARNING. Stay away from this company. They will hold your funds for 6 MONTHS without even the courtesy of advising you. Just try to get any type of customer service. Forget it. Call the support number and you cannot proceed with a “customer code”. They instruct you to log in to get the customer code, except when you do, there is no option to obtain a customer code. There is no way you will ever speak to a live person. If you submit an email, you MAY get a cryptic response directing you to the website, which of course is no help. A real horror show.

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                                                                                                                                                                                                                                      Xavier James

                                                                                                                                                                                                                                      Square is FRAUD!!!!!!!!!!If you are a seller that sells products, you are being warned. If a customer file a dispute for whatever reason. Square will automatically debit your bank account and refund the customer. Square doesn’t even request the customer, to return the product back to the seller, nor do they have any type of return process in place. I have sent endless emails asking about how they handle refunds / returns / proof of returns, and never get an answer. So in all, the customer can keep the product and get their money back, with no questions asked. Square says they offer seller protection, but that’s a joke. Square sells they will challenge your dispute to the customer, but if they can’t even pick up a phone, or return a simple email, what makes you think, they will actually go out of their way to challenge the dispute vs the customer for you? It’s a joke! Square committed FRAUD 3x vs me. Customer kept the product, and got their money back. I lost $1100There is a new app called e-mobile-pay. 25 cents per transaction fee, and 100% guaranteed, no chargebacks! This is what they say. NO i don’t work this company. Has anyone tried e-mobile-pay? 25 cents and 100% guaranteed no chargebacks is very very very tempting. I don’t see any reviews regarding this company. I seen reviews in the google store, but i think that’s coming from their investors

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                                                                                                                                                                                                                                        Beth McElhiney

                                                                                                                                                                                                                                        Organization Name: BMC Vintage

                                                                                                                                                                                                                                        I had a similiar experience where a client bought items over a period of two and a half months then had a big fight with her boyfriend who reported it all as fraud to the bank and Square without asking me ANY questions charged back to the customer all of the money almost $4000 and she still has all of the merchandise, money and I have nothing! Square claims that some new legislation infers that any card that is manually entered(customer not on site, card reader not working, etc) has no protection for the merchant and they had no choice but to give the customer the money back. I am now involved with criminal and small claims cases against this person as they claim that I was paid for it all! I was not protected by Square at all and the fact that they just pulled the money out of my account without any dispute filed or resolution process(like paypal) overdrew my bank account in my hardest winter months.

                                                                                                                                                                                                                                        • Organization Name: BMC Vintage

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                                                                                                                                                                                                                                        Miguel Aponte-Rios

                                                                                                                                                                                                                                        HORRIBLE customer service and merchant protection. I have been happy with their service for 3 yrs. We have a 5-star rating from our customers using Square. ONE customer complains about wanting his money back for a transaction he knew was a used part (it is in working condition, etc, etc…) he probably decided to just not buy it anymore….and Square decides, without listening to us, to return his money and take it all out of our account. I have contacted our bank and we will get the money back. Absolute disregard of anything we had to say about the transaction. Now we dont have the money or the merchandise because the client has disappeared and not answering our request to return the merchandise. Goodbye $2700. THANK YOU SQUARE. You just lost a client.

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                                                                                                                                                                                                                                          Xavier James

                                                                                                                                                                                                                                          So did the customer get to keep the part and get his money back? This happened to me 3x. Customer keeps product and gets money back. Your bank will get your money back, but you will have to no longer use square after this, because they will continue to auto debit your account on a weekly basis. They will send you emails a head of time. You have to close down your bank account that you have linked to square. From this point, you shouldn’t use square anymore. Square allows fraud, and will never challenge the dispute for you, when they say they will. Yeah right, they can’t even pick up a phone, yet alone, answer emails

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                                                                                                                                                                                                                                            Miguel Aponte-Rios

                                                                                                                                                                                                                                            Correct. Ive had my bank return the money to the account and the next day, Square goes in again and took it back. This happened 2 times until we closed the account so they could not do it anymore.

                                                                                                                                                                                                                                            In the meantime, the ‘client’ is nowhere to be found. My merchandise is still gone. We have moved on from Square to another service. Will NEVER use them again and will NEVER recommend them to any of our network businesses.

                                                                                                                                                                                                                                            Anyone wants an iPad stand for free?

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                                                                                                                                                                                                                                              Dave

                                                                                                                                                                                                                                              Terrible support. Only email is available and they never respond. Switched to Flint

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                                                                                                                                                                                                                                                Imad Abualia

                                                                                                                                                                                                                                                I just had the most unpleasant experience with Square. I charged an amount totaled $3100 to a customer for sale of equipment on 11/11/2015. They started by asking me to fill out a verification form and provide them with an Invoice, my ID and 3 bank statements which I did immediately. I get an email back asking me to provide more information about my relationship with the customer, which I found pretty strange, but yet, I provided them with that. Today 11/16 and after 6 days of holding my funds, they decided to reject my transactions and asked me to refund the money to the customer. The reason they say is that I am violating the terms of service agreement. here is the email I received “Under our Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your Square account. The Square Terms of Service also prohibit using Square as a money transfer system. You must provide a legitimate good or service in exchange for every payment processed with Square.” ,So I read the terms of service agreement section by section and did not find that my transactions violate any of the sections in the agreement. My sale was for equipment and an invoice was provided. I did not charge a gift card, prepaid card, nor it was my own credit card!!! and definitely that was not a money transfer!!! Asked to speak to a manager, they refused!!
                                                                                                                                                                                                                                                I process over $40,000 a year of transactions using merchant services. I thought switching to square would save me some money. But it looks like the money I would save will be spent on medications for headache caused by Square’s complications. I think I will stay with Bank of America merchant services. Business owners beware

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                                                                                                                                                                                                                                                  Dawn Hoolcombe

                                                                                                                                                                                                                                                  There is no mention in this article of the customer and their risk with Square. In August 2015 I tried to make a purchase from a merchant using Square. The merchant swiped one, then two of my cards – saying thhey were both declined. I finally had to write a check. Come to find out that both banks for those cards automatically declined the purchase simply because it was processed through Square. When I called them – I learned that the bank knew of significant hacking issues through Square, but that square had decided not to make them public to consumers and merchants. I had to go through significant processes while on vacation to get both of my cards unlocked and accessible again. I will never run a credit card through a merchant that uses Square again – and will take my custom elsewhere rather if that is the only option.

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                                                                                                                                                                                                                                                    Sylvia Trevino

                                                                                                                                                                                                                                                    I’ve had square for about a week. I’ve taken all the steps they asked me to but I’m getting a little worried that all the transactions I made are taking to long to process. I should have did a little more research before I started taking payments with square. Although my transactions are not to large totaling a little over 600$ it’s still my money I trusted them with. The customer service so far has been horrible and unreachable. After reading the reviews I’m starting to think I will never see those funds. I don’t see how a company can steal fromantic it’s clients and get away with it as if it’s legal. I’m hope for a positive outcome but if the worst happens I will start the law suit circle as I have the means and resources to do so. If you are interested in joining me for a chance to recover funds and you have proof of your stolen transaction contact me at this email jakielarks@yahoo.com.

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                                                                                                                                                                                                                                                      misha

                                                                                                                                                                                                                                                      i am in the process of deciding on what system will best serve my needs –
                                                                                                                                                                                                                                                      besides a small gallery i have a restaurant and i want to use square for my POS system –
                                                                                                                                                                                                                                                      it seems to have all the components i will need –
                                                                                                                                                                                                                                                      you indicate square is in the process of fixing some of the things (holding funds, cancelling accts., poor service support, no reasons given for taking certain actions because of security issues with no explanation as to what the security issue is)
                                                                                                                                                                                                                                                      i have been using square for my gallery for a month with no problems –
                                                                                                                                                                                                                                                      i am however very concerned about funds being held in my restaurant biz – i operate on a slim margain and need every dollar to keep operating –
                                                                                                                                                                                                                                                      you have given square four stars and reading the first 5 or 6 reviews on your site, a lot of one stars show up with a number of really pissed off folks –
                                                                                                                                                                                                                                                      what do you base your rating on?
                                                                                                                                                                                                                                                      thx in advance for your responce –

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                                                                                                                                                                                                                                                        Mark Monelli

                                                                                                                                                                                                                                                        Holding funds for no reason. Opened account October 2nd 2015 and verified bank. Account active. Processed a payment October 31st in the amount of $850 for my business. I get an email from Square November 2nd that my account is deactivated because they cannot support my business type. And that this decision is final. Said to either refund payment I received and use another processor or wait till 2-3 business days after January 31 and a this amount will be deposited into my bank account. Its obviously fraud, you can’t close down someones bank account with money in it and hold onto it, nor can a processor hold money. This dates back to the early Paypal days when my companies small business was crippled by a 10% reserve holding of the average balance. I’m looking forward to the day I get a class action lawsuit email, for now I have no choice but to put this on every site possible since they have no customer service. This is a huge win for independent processors, don’t use Square, don’t put your business at risk.

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                                                                                                                                                                                                                                                          djrazr

                                                                                                                                                                                                                                                          I had a contractor do some work for me on my house. He billed me by sending me an invoice through square. I paid the bill in full (my mistake), and i don’t have a square account. I just paid the invoice. he did half the job, and hasn’t showed up in 2 weeks. I have called and emailed him, but he doesn’t respond. Is there a way to get a refund through square for this, or am i screwed because i don’t have a square account. reading reviews tells me they are terrible at customer support, so it sounds like im screwed

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                                                                                                                                                                                                                                                            Amad Ebrahimi

                                                                                                                                                                                                                                                            Unfortunately Square isn’t responsible for this, the contractor is.

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                                                                                                                                                                                                                                                              Naomi

                                                                                                                                                                                                                                                              it probably would have been smarter to pay for services AFTER they had been completed.

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                                                                                                                                                                                                                                                                Xavier James

                                                                                                                                                                                                                                                                Oh, do what customers did to me. File a dispute with your bank. Square will instantly debit the contractors account and give you all of your money back. You can keep the services the contractor did and get your money back! Square won’t even explain or answer to the contractor, no matter what

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                                                                                                                                                                                                                                                                  Ed

                                                                                                                                                                                                                                                                  I have used Square from day one. I have never had any problems at all! Ever! I am not a shill for Square. I use it for two brick and mortar business. A retail business ($30,000+ monthly in Square transactions) and for a professional services business. Never had funds put on hold ever. I have never needed customer support because Square works so well. I have never met another business owner who has had a bad experience either and I have met a lot. I also use Square’s new payroll processing service as well. It is a fraction of the cost of other payroll companies I have used and works flawlessly!Obviously the people with complaints have done something wrong that violated Square policy. They are not telling the whole story. Don’t expect to sign up with Square and suddenly run a $5000.00 credit card transaction the first day. No credit card processor in the world would allow that. Credit card fraud is rampant and Square is just protecting all parties concerned.

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                                                                                                                                                                                                                                                                    We've done in-depth research on each and confidently recommend them.

                                                                                                                                                                                                                                                                    Mike M

                                                                                                                                                                                                                                                                    SCAM!!! Avoid at all cost. They waited until I had a large deposit pending, requested all kinds of information about me and my business and then deactivated the account holding all funds recommending that I provide refunds to my customers. I ALREADY SHIPPED THE GOODS!!! Now I am out the merchandise and my funds for 3 – 6 months. Extensive history of merchant processing with another company but when I offered that info for their review they declined saying it wasn’t needed. Based on other reviews it is clear I’m not the first. I was told by their customer service team that they don’t get all the business information upfront because they can wait until there is a large deposit and then they can get whatever they want.

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                                                                                                                                                                                                                                                                      Vera

                                                                                                                                                                                                                                                                      I have been reading reviews on the web since last Friday when square closed my account and I started to see pattern. They sign you up without too many questions immediately and every transaction goes flawlessly for weeks or months until one day, usually Friday night they inform you that the account is been deactivated for suspicious activities and there is a 90 days hold on your money. I will post the letter with the “final” decision later. I am sure all of as got it word by word. With the account closed there is no customer service person to talk to only email which ask you for more information. Here is a copy of the email I received twice in n row. Is is also send to Blake at the same time, no idea who that is. I received 4 of those in a different days. To: vph007@hotmail.com Cc: blakeadamsbiz@yahoo.com account_services@help-messaging.squareup.comFrom: Square Account Services (account_services@help-messaging.squareup.com) Sent: September-16-15 1:44:34 PM To: vph007@hotmail.com Cc: blakeadamsbiz@yahoo.com Hello Blake, Thanks for calling in. Please reply directly to this email with a copy of the requested documents. 1. Government-issued documents 2. Documentation of your transaction 3. Three most recent bank statements Is there anything else you’d like us to know? Thank you, Camila Square Account Services​Even after you reply to those, the machine keeps sending you more of the same. In a mean time somebodies post gave me the idea to start tweeting and posting directly on their web site and facebook page my story. It kind of work, today i received a phone call from the company. They still insist on holding my money because guess what? My client paid me with the same credit card few different transactions on different days the same amount of money. What are they supposed to do, use different card every time? ABSOLUTE NONCENCE. Than he advise me to go into my account which they closed, do a return and ask for a cheque. I am afraid that my client wont get the return and I will have no rights to ask for my money from Square. Many people are saying that 6,8 months even a year later they don’t see a penny. I haven’t seen one proof yet that people get their money even after 90 days. To be fair will give them 1 star for the perfect 2 months until they decided to hang me.Tweeting that guy got them to call me today for first time.Mr Jack Dorsey CEO Email jack@squareup.comWebsite https://squareup.comPersonal Twitter @jack

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                                                                                                                                                                                                                                                                        Daryl

                                                                                                                                                                                                                                                                        Square works perfectly and has for two years now. We process 30k a month without one issue or hold or return or more paperwork or more anything you all seems to write in about. Could it be user error?

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                                                                                                                                                                                                                                                                          Drew

                                                                                                                                                                                                                                                                          I wrote a quick review when we first started using square and the square stand a few months ago and I have to say its been perfect for us. In addition to fast processing of transactions, the reporting features in the dashboard are fantastic. I’m particularly impressed by Squares addition of contactless card readers and the education they provide in why they’re important. Our transactions are pretty consistent in amounts- anywhere from 30-100 per. I can only guess but there must be something some of you users are doing that raises flags.

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                                                                                                                                                                                                                                                                            HANKTHTANK

                                                                                                                                                                                                                                                                            I wrote the following negative review back in July, pretty much sums up why you’re playing russian roulette if you remain an active customer of Square:”If something seems too good to be true, it probably is… Well, that’s an understatement when dealing with Square. This company has the worst customer service and is very underhanded in how it deals with merchants. They will “approve” you up front, send a reader, then after your first 2 or 3, or even 5 or 10 charges I’ve heard, they will ask for a bunch of personal information, bank statements, etc, then freeze your account for 90 days due to “high risk” activity. This happened to my company a year or so ago, but luckily, the 3 or 4 customers I had just run charges for did a chargeback, so I was able to re-run with my older, more expensive merchant bank. There are 1000’s of horror stories out there, where businesses have had large sums of money held for months or even years. STAY AWAY FROM THIS COMPANY IF YOU HAVEN’T DEALT WITH THEM YET!!!! If you are a customer, stop using Square and cancel your bank account they link to immediately. Once you stop doing business, I have heard they will summarily withdraw funds, without informing you before or why they did it after. These people are inept at best and complete criminals at worst… “Your question shouldn’t be, what is wrong with all these people with the horror stories, but what is wrong with Square’s business practices and processes to cause so many businesses to write such terribly negative reviews about their experiences. Not a single former customer who’s had their accounts frozen and money held for 90+ days have been given a specific reason for the action, nor an explanation of a specific action they took to cause the automatic trigger that “froze” their account. So, keep on using Square if you wish, but know that today, tomorrow, next month, or a year from now, you might hit that undisclosed trigger, and you too will be posting your horror story on this and other review sites. All I can say is, GOOD LUCK!….

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                                                                                                                                                                                                                                                                              Douglas Boter

                                                                                                                                                                                                                                                                              Closed my account do to suspicious activity. I haven’t done anything suspect. They won’t talk to me about it. They won’t communicate with me via email or anything. They are even holding my funds for 90 days. SCAM

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                                                                                                                                                                                                                                                                                Xavier James

                                                                                                                                                                                                                                                                                the only way to get your money back sooner is to file a dispute with the BBB. check out their complaint section. you will see square refunding those who they steal and hold money from. sometimes you have to take it to another level since square is too incompetent

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                                                                                                                                                                                                                                                                                  Jaime Howard

                                                                                                                                                                                                                                                                                  Thought this product would be a very convenient way to process transactions wirelessly as well as a great back up payment method should there be an issue with our main merchant account.On August 29th in the greater Vancouver area we had major windstorms knocking out the power in our area. I thought it was great that I could still process transactions for my business although the power was out and our interact machine was not working and had clients in the business that received services and were required to pay prior to leaving.I processed about $3000 in transactions which is not a lot for our store but enough to be an issue if we do not receive those funds.I received an email from square saying they were not going to send me the funds and I would have to send them a photo ID (which I did), 3 bank statements (which I did), website, Linkedin profile etc etcDid everything they asked for and then just received a letter saying they are deactivating my account as they suspect that the transactions or activity is fraudulent? Which is weird as no transactions were manually keyed in, all were with a card. Some of the people we processed are square users as well and square had their previous info on file. I also supplied a detailed letter as to why I had to use my square reader in the first place. They are holding all funds hostage for 90 days without interest and deactivated my account?I would definitely try another payment reader before using square. The cherry on top is I got a letter with a note on the bottom saying. “Oh and all decisions are finale!” lol

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                                                                                                                                                                                                                                                                                    Steve

                                                                                                                                                                                                                                                                                    I been reading the reviews here and to be honest I did not believe the negative reviews on square since I have been a customer for over 3 years and did not have to call them not even once since I opened up my account, worked flawlessly.
                                                                                                                                                                                                                                                                                    But to my surprise I had the same issue last week that I have been reading.
                                                                                                                                                                                                                                                                                    Up until 2 months ago I have been making small transactions, $50 here $200 there. No problems, always in my account the next day.
                                                                                                                                                                                                                                                                                    1 week ago had a large transaction from a customer, a little over $14k, I get an email from square asking for verification to make sure it’s not fraudulent translation, asking for a copy of the invoice and a few questions.
                                                                                                                                                                                                                                                                                    I responded with the necessary documents and the information they requested.
                                                                                                                                                                                                                                                                                    The next day they asked for more verification, like the last 6 months of statements from the account square is depositing the money in…..I supplied the info.
                                                                                                                                                                                                                                                                                    That same night I received an email informing me they are suspending my account and placing a hold on the funds for 90 days…..no explanation at all as to why.

                                                                                                                                                                                                                                                                                    Of course I called my customer and explained the situation, he called his credit card company and credit card company is canceling the transaction and refunding his money.
                                                                                                                                                                                                                                                                                    I don’t see how square can keep the money for 90 days, what gives them the right to do so. This smells like a class action lawsuit to me, and I will speak to an attorney to see what can be done.
                                                                                                                                                                                                                                                                                    I feel lucky we have a good relationship with the customer, but still a little worried about it, I feel that I lost my credibility with this customer and might have lost a large account over square shady business practice.
                                                                                                                                                                                                                                                                                    In the meantime I called chase and applied for a merchant account with them, it takes them 3-5 business days to complete the process and yes they have a monthly fee and a bit more expensive but well worth it with the extra expense.
                                                                                                                                                                                                                                                                                    That’s my story. I think square is great for small translations or if you can afford to have your money on hold with square for a length of time they dictate, if you are not in this position…….I would definitely not recommend them, spend the extra money and protect your money.

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                                                                                                                                                                                                                                                                                      Jaime Howard

                                                                                                                                                                                                                                                                                      Same thing happened to me, processed 10 customers at our store during a power outage as our interact machine was down.

                                                                                                                                                                                                                                                                                      Very shady keeping funds for 90 days.

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                                                                                                                                                                                                                                                                                        Melissa

                                                                                                                                                                                                                                                                                        What a piece of crap company!!!!! We do high purchases. They ask for information to verify the transactions. I give it to them, than they cancel our account and hold our funds for 90 days!!!! We have been in business for 35 years and have never had any issues with any merchant processor. Everything was fine with square unit we started doing our major transactions. This company is a scam!!!!!

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                                                                                                                                                                                                                                                                                          Xavier James

                                                                                                                                                                                                                                                                                          only way to get your money, is to file a complaint with the BBB. It works. check out their complaint section from holding peoples money

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                                                                                                                                                                                                                                                                                            We've done in-depth testing of each and confidently recommend them.

                                                                                                                                                                                                                                                                                            Douglas Danzi

                                                                                                                                                                                                                                                                                            Do not use this app. I sent money to wrong party he agreed to return it once he received last Thursday. He has still not received it. I have emailed the app six times and still no response it is Tuesday. Best part is this app has no phone number so the money is bascially gone.Thanks square cash!!!

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                                                                                                                                                                                                                                                                                              Yvette

                                                                                                                                                                                                                                                                                              I thought square was a great tool for my small business as well, until things went wrong. They will Process your payments and hold onto your money for as long as they want. They will give you excuses as to why they are holding your money for up to 120 days! There are fake reviews on here, obviously written by Square employees claiming that Square is a great company and others that say they would give Square five stars. If you say you give Square five stars it’s not because you haven’t been screwed by Square. It’s because you haven’t been screwed by Square yet. it will happen eventually and when it does you will wish you had listened to the many reviews and warnings. I myself learned the hard way not to process my credit card payments with a illegitimate companys like Square.

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                                                                                                                                                                                                                                                                                                Kristina Stevick

                                                                                                                                                                                                                                                                                                This is exactly what has happened to my company. Square has been holding onto money that is supposed to daily direct deposited for nearly two months. They are no longer responding to emails and have not initiated the call, which they insisted is the only way they are able to settle the problem. They have the phone number they are supposed to call and we’ve emailed several times to remind them. Something is clearly going wrong that they want to hide.

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                                                                                                                                                                                                                                                                                                  MCM Fine Furniture

                                                                                                                                                                                                                                                                                                  This company needs to be stopped. DO NOT USE THEM FOR ANY REASON! We own(ed) a small furniture store and design firm. As many know, running a small business is tough, so we had suppliers provide us with furniture for a huge tent sale. We opened a Square account so we could process sales out in the tent. The sale went great and put our business back on its feet. HOWEVER, we received an email from SQUARE stating that they were going to keep ALL of our funds from the sale for a period of 90 days, with no explanation, and stated “our decision is final.” They put our company out of business. Ninety days has gone by, and STILL NO MONEY.

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                                                                                                                                                                                                                                                                                                    cindy safier

                                                                                                                                                                                                                                                                                                    Just read your review of Square and have had identical experience, although I haven’t had to go out of business yet. Today was 90 days and i just got an email from them stating that they are holding my money for another 90 days! Just curious – did you ever get your money? I am considering getting a lawyer – did you try that? Thanks, Cindy

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                                                                                                                                                                                                                                                                                                      Brittney

                                                                                                                                                                                                                                                                                                      Did you ever get your money ?

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                                                                                                                                                                                                                                                                                                        James

                                                                                                                                                                                                                                                                                                        Yes I got my money after 90 days.

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                                                                                                                                                                                                                                                                                                          amabel

                                                                                                                                                                                                                                                                                                          I have been using Square for several years now, both for brick & mortar as well as on the road as various retail garden and antique shows using both Ipad and Android cell phone. My first experience with Square was several years ago when while at a high volume revenue show, my traditional credit card merchant machine that I paid over $700 for could not pick up the wifi signal at the convention center. I quickly ran to the Fed Ex office downstairs, purchased a $10 Square swipe device, signed up and BAMMM! I processed over $10K in retail sales at the show without any problems, funds held back or chargebacks from customers. Since then I have not looked back and have not used the clunky hard-wired machine. Because of the nature of my business, my transactions can be as little as $10 or well into 5 figures. Never have any of the funds been held back. As far as customer service, they are very responsive and quick to send out extra multiple readers (free). The on-line reports are absolutely phenomenal, unlike with traditional merchant service where you have multiple different websites & telephone numbers to access financial data or technical service. I actually had five different contacts I had to use with my prior merchant account in order to get the equivalent of what Square provides. Also, after all-in with monthly satellite fees, statement fees, Am Exp Fees, interchange and bank charges, every year it would be about 3.1% overall fee towards the processing of credit card transactions. With square, the flat fee of 2.75% with built-in reporting, on-line cash register, inventory control and a multitude of other features that are simply second nature, I can’t imagine not using it. All transactions are online; no more paper receipts floating around in shoe boxes categorized by month. Customers are emailed their receipts…if their is a dispute you can access the receipt with signature on-line. Even sales tax reporting has become easier – travelling from state to state at different events, the sales tax rate changes. I simply create a new tax code for the event and apply it to the transaction. I can pull reports for specific dates and sales tax, fees and gross/net revenue is all there. The system is super user friendly, especially to non-techies like myself. This is an amazing system for brick-and-mortar as well as a retailer on the road. I have processed hundred of thousands of $$$ on the little tiny white readers (yes, they get worn out…just replace them for free) both on my Ipad and mostly, Android phone. I believe in this company wholeheartedly and would recommend them for any business or even for those who run back yard tag sales. I have given away readers to people asking about the product – just try it out…you won’t look back! My next step is converting my existing non-shopping cart friendly website to being completely Square hosted…based on what I have experienced for the past few years, I am sure Square will not let me down on the next store I am about to open …on the web! FIVE STARS***FIVE STARS***FIVE STARS***

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                                                                                                                                                                                                                                                                                                            mike

                                                                                                                                                                                                                                                                                                            I would leave them 0 stars if I could. STAY AWAY FROM SQUARE if you want your money and want to succeed. 2 TIMES they held thousands and thousands of dollars from me for 3 months. There is no excuse for that long. A few extra days makes sense to make sure its a legit transaction, but THREE MONTHS?? Thats them being criminals and making interest on other peoples money. STAY AWAY!

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                                                                                                                                                                                                                                                                                                              Mark

                                                                                                                                                                                                                                                                                                              We have been using Square up for Credit cards for several years. Deposits always arrive within 3 days to our bank account.We have begun in the last month to use the Square Register. After the first weekend we are overjoyed with it. we have bar coded our stock and checkout is quick and accurate.We will be opening a Square Market store in the near future. Only issue I see with that is the market loads up all the inventory on the first page that you access. This can take a while to render when you have over 700 items.I would recommend Square up to any small business which has a shoestring budget.

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                                                                                                                                                                                                                                                                                                                T Brown

                                                                                                                                                                                                                                                                                                                This is my 2nd review. For a business of our size and kind (sitdown/takeout restaurant, average ticket ~20.00, ~1k card sales/day) the Square solution works perfect. We switched from another P.O.S. system and will never look back. Customer support has been outstanding, including live training sessions on new features. Their Square Capital option works flawlessly as well. So, to the people who use Square to run large transactions, it might not be the best fit. But just because someone selects the improper tool does not make Square the problem.

                                                                                                                                                                                                                                                                                                                Just our USD 0.02 🙂

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                                                                                                                                                                                                                                                                                                                  Maribel

                                                                                                                                                                                                                                                                                                                  I have a small business I was with them for over a year, and all of a sudden a couple of transactions said on my end that were approved, customer signed for them square issued a receipt and 2 days later they were declined. I emailed there customer support to obtain a code and said they would call me. I emailed them again and said that they had tried to call me and that I didn’t pick up the phone. I email them again and no response. Customer support sucks I would never do business with them again. I am still waiting for my money. ???? How could it say it was approved customer signed for it and 2 days later you get no money in to your account. People beware you might think you will get paid and you don’t. I rather take checks if they bounce you have the District Attorney go after them or CASH only.

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                                                                                                                                                                                                                                                                                                                    mike

                                                                                                                                                                                                                                                                                                                    I had similar experience, some people should band together and do a class action law suit against them

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                                                                                                                                                                                                                                                                                                                      Douglas Boter

                                                                                                                                                                                                                                                                                                                      Please put me on the list if there is a suit.

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                                                                                                                                                                                                                                                                                                                        cindy safier

                                                                                                                                                                                                                                                                                                                        I’m in!

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                                                                                                                                                                                                                                                                                                                          Ashley

                                                                                                                                                                                                                                                                                                                          WORSE COMPANY EVER!First of all, a large company with 500+ employees but NO ALIVE PERSON can answer the customer service phone. Oh, this company also hasn’t ANY customer service phone that can let people who are not customer to call. MUST BE WITH CUSTOMER CODE. BUT, Square DISCONNECTED my boyfriend account. Secondly, a large company only respond customer emails BUT they only answer the SAME MESSAGES in EACH EMAIL! Everything square respond to the any customer use COMPUTER! we are human not computer! PLEASE RESPECT YOUR CUSTOMER and GIVE IT BACK THEIR MONEY!! WE ARE REALLY DISAPPOINT AND UPSET! The customer got the email that his account is DISCONNECTED and his customer code isn’t work AT ALL EITHER!

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                                                                                                                                                                                                                                                                                                                            Yvette

                                                                                                                                                                                                                                                                                                                            Having an ongoing nightmare with Square! I own a small plumbing company and have been using Square for about 5 to 6 years. December of last year my husband did a plumbing bi pass for a property owner whoLives out of town but has a rental property that is local. We e mailed him a quote of 1800.00 and he agreed via phone to start work on Dec 19th. We finished work the following day and the tenant signed off on the work being completed as agreed in the written estimate. The customer paid with a Visa card over the phone using square. Four months later on April 13th I received a chargeback notice from square stating that the customer had reported the charge as fraudulent. I was asked to provide documentation proving that the charge was legitimate. I provided the invoice signed and dated by the tenant showing that we did in fact do the documented work at the customers property. Square said they would submit the documents to the customers bank and the dispute process would take up to 90 days. The next day they charged my bank account for the chargeback amount, overdrawing my checking account. I called in and they would be holding the funds until the disputed was resolved. 90 days later I contact squares customer support and they tell me they have yet to hear from the customers bank and that I will have to wait an additional 90 days for any further information. I contact square a few weeks later to see if any information had been updated. I became upset and told them that I was extremely displeased with their lack of support during this process. They refused to provide me with any information as far as the customers bank or info about the dispute. After several hours arguing square asked me to call back in 3 weeks and they would release the money to me until the dispute was resolved. They told me that the decision was not final and they could charge theory back from my account anytime, in the event that the customers bank decided against me in the dispute. On July 6th square contacted me through e mail and informed me that the customers bank decided to take the money from us and give it back to the customer. I explained to them that this decision was not correct and that we had provided proof that the charge was authorized and it made no difference. They told me I should contact an attorney if I needed further help. IManaged to close my linked bank account before they could charge back the money from my account. I’m wondering if they will attempt to file a collection for the amount through a creditor once they figure out the account is closed. Do you have any advice on what my next steps should be.

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                                                                                                                                                                                                                                                                                                                              Malik

                                                                                                                                                                                                                                                                                                                              my experience with square is a nightmare as well I run a small company along with m hair salon and selling hair weaves and products and they are reserving my funds saying the transactions are to close together im getting My lawyers involved

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                                                                                                                                                                                                                                                                                                                                Lisa

                                                                                                                                                                                                                                                                                                                                I have used Square for three years now and couldn’t be more satisfied! I have a very busy retail home decor store. Square has helped me grow my business with the afforadable rates, I’ve had great customer service, email and phone. I can call them anytime I need to with an issue. They call me back within a short time and have painstackingly walked me through opening a second business setting up new accounts. Everything has an infancy and needs to get its legs. While it may have been difficult in the beginning, they have been more than accommodating and helped me with inventory capital and equipment. If you are considering a cc processor, this is the one to go with!!

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                                                                                                                                                                                                                                                                                                                                  Drew

                                                                                                                                                                                                                                                                                                                                  I agree with Lisa. We’re a new business and although I’ve only been using square for a month or so I’ve had no issues at all. They also communicated with me for at least a month before I even bought the stand as I was trying to work through how their product would work in my business. So I’m a new user but so far everything about square has been perfect for us-

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                                                                                                                                                                                                                                                                                                                                    Catherine Kerton-Johnson

                                                                                                                                                                                                                                                                                                                                    Glad there are some good reviews. I guess it’s only the dissatisfied customers that take the time to write in.

                                                                                                                                                                                                                                                                                                                                    I have used Square for a year running my small coffee shop. I have never had any problems getting the money deposited on time, and the instant deposit function has been a lifesaver for me. I have had a couple of issues getting my debit card accepted on the instant deposit, but it is a Beta function so I understand they will have some bugs. Overall, Square has been great for my business and I wouldn’t go with anyone else.

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                                                                                                                                                                                                                                                                                                                                      We've done in-depth research on each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                      Michael Nasr

                                                                                                                                                                                                                                                                                                                                      I used square for the first time and i submit my first credit card transaction on July 1, 2015 to day is July 9, 2015 i didn’t get my deposit. i have been emailing them everyday and i get no respond from them. i checked with my customer and he told me that the funds was deducted the next day. it is a horrible service and the worst customer service ever. will never use them again.

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                                                                                                                                                                                                                                                                                                                                        HANKTHTANK

                                                                                                                                                                                                                                                                                                                                        If something seems too good to be true, it probably is… Well, that’s an understatement when dealing with Square. This company has the worst customer service and is very underhanded in how it deals with merchants. They will “approve” you up front, send a reader, then after your first 2 or 3, or even 5 or 10 charges I’ve heard, they will ask for a bunch of personal information, bank statements, etc, then freeze your account for 90 days due to “high risk” activity. This happened to my company a year or so ago, but luckily, the 3 or 4 customers I had just run charges for did a chargeback, so I was able to re-run with my older, more expensive merchant bank. There are 1000’s of horror stories out there, where businesses have had large sums of money held for months or even years. STAY AWAY FROM THIS COMPANY IF YOU HAVEN’T DEALT WITH THEM YET!!!! If you are a customer, stop using Square and cancel your bank account they link to immediately. Once you stop doing business, I have heard they will summarily withdraw funds, without informing you before or why they did it after. These people are inept at best and complete criminals at worst…

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                                                                                                                                                                                                                                                                                                                                          Hrothgar

                                                                                                                                                                                                                                                                                                                                          Squareup: yet another company that will hang onto your money for you for 90 days without warning, negotiation or review of their decision.

                                                                                                                                                                                                                                                                                                                                          If you have lots of disposable time and income, they might be worth considering. I’m not satisfied.

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                                                                                                                                                                                                                                                                                                                                            FRANK

                                                                                                                                                                                                                                                                                                                                            I was sent an email that my email address was sucessfully changed. I did not change my email address and now any attempt to access my account will not work because square does not accept my email address. I want to cancel the service and cannot even do that.Is there anyway to contact these people.

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                                                                                                                                                                                                                                                                                                                                              Laura

                                                                                                                                                                                                                                                                                                                                              I can not believe that this company continues to operate and drive consumers out of business with their UNETHICAL business practices. Square froze over $70,000 of transactions on our account for no reason. There we no chargebacks on these funds. They demanded reems of paperwork, copies of bank statements, etc. BUT STILL HELD FUNDS FOR OVER 1 YEAR!!!!!!!!!!! Now they are selling out in an IPO…feel sorry for the investors who get handed this mess to clean up.

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                                                                                                                                                                                                                                                                                                                                                Jason Trudeau

                                                                                                                                                                                                                                                                                                                                                Hi.. I am getting extremely aggravated with the incredibly bad service offered by Square. I have tried twice to change my bank account. bot attempts have failed. I have tried twice this being the third time I contact you via this form concerning the failure to update my bank account. both time have been told that the request has been submitted and shall complete shortly… I HAVE BEEN TRYING TO CHANGE MY BANK ACCOUNT FOR A OVER MONTH !!!! Now you are sending funds to a closed bank account. what kind of mickey mouse company is square ? I would like for someone to give me a call immediately as I am looking into legal recourse.

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                                                                                                                                                                                                                                                                                                                                                  LaDonna

                                                                                                                                                                                                                                                                                                                                                  Did I read somewhere that if money was run after but off time of day or on weekend you could pay extra and still get next day?

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                                                                                                                                                                                                                                                                                                                                                    Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                    Hi LaDonna,

                                                                                                                                                                                                                                                                                                                                                    Unfortunately this is not a service that is available.

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                                                                                                                                                                                                                                                                                                                                                      T Brown

                                                                                                                                                                                                                                                                                                                                                      We use square in a sit-down Bistro environment, about to add a full bar. Square has been nothing but responsive, we were added to their Beta program after inquiring about much needed features absolutely mandatory for a sit-down situation. Square capital is another amazing feature, they helped and continue to help grow our business.

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                                                                                                                                                                                                                                                                                                                                                        Julia

                                                                                                                                                                                                                                                                                                                                                        Hi I’m just trying to figure out if Square will work for my full-service restaurant. My servers need to be able to sign in to the ticket-separately of course-and I need to be able to track their sales so I can cash them out at the end of the shift. We are small-3 servers at a time.

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                                                                                                                                                                                                                                                                                                                                                          Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                          Hi Julia,

                                                                                                                                                                                                                                                                                                                                                          I’ve heard both success stories and horror stories with Square in a full-service restaurant. But the low price tag may justify the risk, at least for a trial. Otherwise, check out our restaurant POS information. The bottom line is that Square certainly does try to provide all the tools needed to run a small full-service restaurant, and sometimes it works well. But there are some features that just aren’t there. I’d say test it out before committing to a full switch.

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                                                                                                                                                                                                                                                                                                                                                            We've done in-depth testing of each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                            Ben

                                                                                                                                                                                                                                                                                                                                                            the worst customer service ever there is no way to speak to a human as they dont publish their phone number .our funds are hold for 3 months and we are trying to change the banking information for over a month now . We did it only as the only option available after 20 days it is still showing the old account that . we sent several emails no answer there are several other companies cheaper and more customer friendly as Square does not care about their customer . we all the profit they making on small business owner they can afford to have someone answer the phone . i DO NOT recommend this company to any business owner

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                                                                                                                                                                                                                                                                                                                                                              Jerry

                                                                                                                                                                                                                                                                                                                                                              Square is a den of crooks ! If you want to receive your money don’t deal with these crooks! The have 1000 dollars of my money , even after sending all the documents they requested they said they were suspending my account , and it could be 90 days before I receive it , and I’m suppose to believe that after there representative named Jamey assured me if I sent all the info they requested my money would be in my account by 8:00 that night. Thanks Jamey from square , you lier !

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                                                                                                                                                                                                                                                                                                                                                                sara

                                                                                                                                                                                                                                                                                                                                                                STAY AWAY FROM SQUARE!!!Just like most people have already said, Square is nothing short of a scam, don’t know some people can use it without any incident. We are an online business for 5.5 yrs and have been using PayPal Express/Standard almost exclusively with no incident. Opened Square to try something different and that was bad news. Opening account and taking credit card was a breeze; Getting the funds you collected to your bank account, well not so much. First they need to verify your bank account, which is fine. After a few days and a couple of transactions later, they send you an email asking about your business documents, invoices, your linkedin profile, how you advertise, external links like yelp, etc, etc. (why don’t you ask all of that before opening the account and let us take credit card payment?) Provided all of that and an hour later got the same automated email saying that they are deactivating my account (which means you will never be able to speak to anyone over the phone) since they found a pattern of high risk transactions (we sell babies’ cloth diapers and have processed TWO transactions using Square), hold my funds for 90 days and that is that. For a small business like us, not having access to our funds for 90 days can literally bankrupt you. I highly doubt that there is a human being actually looking at the individual business to decide whether it is high risk or not (so it does not matter what documents you are submitting). They seem to have a algorithm that does that and it is deeply flawed. My story is very similar, if not identical to lots of the comments here. What Square is doing is, IMO, criminal and they need to be held accountable. At the same time, my advice is to STAY AWAY from them !!!

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                                                                                                                                                                                                                                                                                                                                                                  Danny T.

                                                                                                                                                                                                                                                                                                                                                                  I’m in the process of opening up a restaurant. Quick service restaurant, and I would say credit card transactions would be around $5-$70 per ticket. in avg. i would be making 1500-$2000 day and half of that would be in credit cards. is square best for my business

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                                                                                                                                                                                                                                                                                                                                                                    Daryl

                                                                                                                                                                                                                                                                                                                                                                    Congrats on the new business. My first comment would be to assume that 75% percent will be will a card of some sort and cash maybe 25%. We have three lunch only establishments that average $1100 per day and average 23% cash.As for Square they have been absolutely great for our business. We have two square stands and a mobile iPad at each location. We get our funds deposited at 4am the next day and have never had a dime held back. Their gift card program works flawlessly and the new open ticket function is a great benefit if you want to ring up calling orders or accept payment upon delivery.Their online market is the only area we wish they would improve upon. It is designed more for retail than food industry.Contact me if you need any additional information.

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                                                                                                                                                                                                                                                                                                                                                                      Gary

                                                                                                                                                                                                                                                                                                                                                                      Poor customer service, they hold funds for 60 or 90 days depending on their mood. No phone number to call, email support only. Have reported them to the BBB. Had my account deactivated by them with no explanation and a total refusal to explain why. Now my money is tied up with these folks. My guess is the use the held funds to deposit in short term investments. Just a guess. Some have suggested they use CD investments. As soon as I finally get my money I will be able to continue doing business. For now I am having to borrow money from my personal finances.

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                                                                                                                                                                                                                                                                                                                                                                        Gary

                                                                                                                                                                                                                                                                                                                                                                        Here is my latest string of emails.These people are truly unbelievable.I have had enough. There are several items that are pending. I have cancelled them and one will not cancel. It is for $1398.81, which has not been deposited in my bank. The other 2 are for $219.00 and $83.42. I have been charged $25 AND $45 for NSF by Square AND AM NOT AMUSED. This was an issue caused by Square, not my customer or myself. They disputed it, I worked with them and they authorized it. Then I get a notice from Square that it will take 90 days, then a second one saying 60 days and my account is deactivated. Am happy to not give any more business to Square but expect this issue to be resolved. My customers are calling me about double charges by Square and haven’t been paid to my account. I have turned this over to the BBB. After a lot of research it appears that I am not the only one. Please refund any outstanding charges, refund the NSF and straighten out this debacle ASAP.On 5/8/2015 10:53 AM, Square Account Services wrote:>> Hello,>> Thanks for writing in. Currently phone support is only available for customers with an active Square account. For more information regarding account terminations, please see our Seller Agreement.>> Best,>> Tyler> Square Account Services​>> Accepting internet and phone orders? Please take a minute to review leading merchant practices when accepting internet and phone orders.> packagingspecialist> MAY 07, 2015 | 04:26PM PDT> The link does not address phone orders or customers that have their card on file with me for all orders. I would appreciate a phone call to address several issues. >>> Sent from my Verizon Wireless 4G LTE smartphone>> ——– Original message ——–From: Square Account Services Date:05/07/2015 2:52 PM (GMT-08:00) To: packagingspecialist@comcast.net Subject: RE: Alert from Square, Inc: Action Required > Hello,>> Thanks for writing in. We understand that it can be frustrating to have your account deactivated.>> ​Unfortunately, due to security reasons and the obligations of our agreements with card networks and other financial institutions, we cannot reverse this decision and are unable to provide additional details.>> We apologize for any inconvenience this may cause, but our decision to deactivate your account is final.>>> Tyler> Square Account Services​> Accepting internet and phone orders? Please take a minute to review leading merchant practices when accepting internet and phone orders.>> packagingspecialist> MAY 07, 2015 | 02:34PM PDT> Original message> Since my account has been deactivated by Square I need a call back so I can figure out who I need to refund and I want an explanation of why I was deactivated.>>> Sent from my Verizon Wireless 4G LTE smartphone>> ——– Original message ——–From: Square Account Services Date:05/06/2015 6:02 PM (GMT-08:00) To: packagingspecialist@comcast.net Subject: Alert from Square, Inc: Action Required > >>> Hello Gary,> To ensure the financial security of both you and your customers, we need to verify some information about your account.> Unfortunately, we cannot deposit funds to your bank account until we verify this information, although you will still be able to accept payments using Square during this period. Our goal is to resume deposits to your bank account as quickly as possible. We’re sorry for any inconvenience this may cause.> If you’re unsure why you received this email, please see this article.> To verify your account, please do the following:> Log in to the Square Dashboard.> Click “Begin verification” next to the alert icon at the top of the page.> Please answer the verification form with as much detail as possible. You can upload documents directly through the questionnaire or fax them to us.> Click “Submit.”> Once you’ve completed the form, you’ll receive an email confirmation and should expect to hear back from us within one to two business days.> If you have questions regarding the form, or are unsure of what documentation to send, please read our list of frequently asked questions. If you still have questions, please call +1-855-700-5000 and have your customer code ready: 5689-6235-7295. We’re available Monday through Friday from 9 a.m. to 5 p.m. Pacific Time.>> We apologize for the inconvenience this may cause. We hope to make this process as easy as possible so you can get back to business.> Thanks in advance for your cooperation.> Square Account Services>>> © 2015 Square, Inc.> For your reference this is Case #: 5070120> [[5d3529c5b4d4c7608929594617fa1812ac6ffac3-437119964]]>> Hello,>> Thanks for writing in. We understand that it can be frustrating to have your account deactivated.>> ​Unfortunately, due to security reasons and the obligations of our agreements with card networks and other financial institutions, we cannot reverse this decision and are unable to provide additional details.>> We apologize for any inconvenience this may cause, but our decision to deactivate your account is final.>> Tyler> Square Account Services​>> Accepting internet and phone orders? Please take a minute to review leading merchant practices when accepting internet and phone orders.> packagingspecialist> MAY 07, 2015 | 02:34PM PDT> Original message> Since my account has been deactivated by Square I need a call back so I can figure out who I need to refund and I want an explanation of why I was deactivated. >>> Sent from my Verizon Wireless 4G LTE smartphone>> ——– Original message ——–From: Square Account Services Date:05/06/2015 6:02 PM (GMT-08:00) To: packagingspecialist@comcast.net Subject: Alert from Square, Inc: Action Required > >>> Hello Gary,> To ensure the financial security of both you and your customers, we need to verify some information about your account.> Unfortunately, we cannot deposit funds to your bank account until we verify this information, although you will still be able to accept payments using Square during this period. Our goal is to resume deposits to your bank account as quickly as possible. We’re sorry for any inconvenience this may cause.> If you’re unsure why you received this email, please see this article.> To verify your account, please do the following:> Log in to the Square Dashboard.> Click “Begin verification” next to the alert icon at the top of the page.> Please answer the verification form with as much detail as possible. You can upload documents directly through the questionnaire or fax them to us.> Click “Submit.”> Once you’ve completed the form, you’ll receive an email confirmation and should expect to hear back from us within one to two business days.> If you have questions regarding the form, or are unsure of what documentation to send, please read our list of frequently asked questions. If you still have questions, please call +1-855-700-5000 and have your customer code ready: 5689-6235-7295. We’re available Monday through Friday from 9 a.m. to 5 p.m. Pacific Time.>> We apologize for the inconvenience this may cause. We hope to make this process as easy as possible so you can get back to business.> Thanks in advance for your cooperation.> Square Account Services>>> © 2015 Square, Inc.> For your reference this is Case #: 5070120> [[5d3529c5b4d4c7608929594617fa1812ac6ffac3-437119964]] — Gary Gaskill943 Enterprises LLCdba 943 Packaging

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                                                                                                                                                                                                                                                                                                                                                                          john keller

                                                                                                                                                                                                                                                                                                                                                                          I recommend anything but square. This is the second time my reader has stopped working. My password does not work, the email reply asked for the street I was raised on but when I enter it in it says invalid. When I call square the recording asked for a code that I’m suppose to get by accessing my account on line!!! So now I can’t access my account online and the tech support won’t accept my phone calls. Square has a lot to learn about customer support.

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                                                                                                                                                                                                                                                                                                                                                                            Deborah Parries

                                                                                                                                                                                                                                                                                                                                                                            Square never told me there was a limit on the dollar amount of deposits. I sold something and ran a guys business card for $9000 and was told 4 days later (after the customer already had the product) that they were refusing to deposit the funds. I was livid. The customers only way of payment was thru his credit card and now I was left with Square denying the payment and knowing the guy had no other means to pay! Shame on Square for putting me in this predicament. They should gather all the information and tell us as their customers that they will randomly hold big amounts of money and not release it. I will NEVER use them again. Can’t risk it!!!!!!!! Go use another company.

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                                                                                                                                                                                                                                                                                                                                                                              Howard Hudson

                                                                                                                                                                                                                                                                                                                                                                              One other issue with Square’s “We won’t tell you where you screwed up” policy is that their legal page is amazingly long and complicated, and leaves several areas either open to interpretation (by Square) or nearly contradictory. For example, you cannot use the service for a variety of products or services that Square does not like, even if they are legal in your area, if they might be illegal at a Federal level (medical marijuana comes to mind.) In addition, for firms where the client deposits fees that are paid to a third party (court fees, government fees, etc.) the firm may be exposed to a setoff or chargeback with very little time to respond. (Cf. “15b. Right of Setoff
                                                                                                                                                                                                                                                                                                                                                                              You grant us a security interest in, …, all of your right, title, and interest in and to all of your accounts with us.” and “27. Your Liability for Chargebacks
                                                                                                                                                                                                                                                                                                                                                                              The amount of a transaction may be reversed or charged back to your Square Account (a “Chargeback”) if the transaction (a) is disputed, (b) is reversed for any reason by the Network, our processor, or a Buyer or our financial institution, (c) was not authorized or we have any reason to believe that the transaction was not authorized, (d) is allegedly unlawful, suspicious, or in violation of the terms of this Agreement.”
                                                                                                                                                                                                                                                                                                                                                                              So to be clear, it might be someone else’s fault, but if you get a chargeback, it is on YOU small business owner, to get that sorted out AND KEEP CASH ON RESERVE to cover Square’s profits, and to do all this within 15 days
                                                                                                                                                                                                                                                                                                                                                                              “30. Contesting Chargebacks
                                                                                                                                                                                                                                                                                                                                                                              […]If a Chargeback dispute is not resolved in your favor …, we may recover the Chargeback amount and any associated fees as described in this Agreement. You acknowledge that your failure to assist us in a timely manner when investigating a transaction, including providing necessary documentation within fifteen (15) days of our request, may result in an irreversible Chargeback. We reserve the right, upon notice to you, to charge a fee for mediating and/or investigating Chargeback disputes.”
                                                                                                                                                                                                                                                                                                                                                                              Yep, they pay themselves first in a chargeback situation, and charge YOU to “mediate” a dispute you never started.
                                                                                                                                                                                                                                                                                                                                                                              Tell me more about Flint Mobile…

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                                                                                                                                                                                                                                                                                                                                                                                Bonnie

                                                                                                                                                                                                                                                                                                                                                                                Hi Tom,
                                                                                                                                                                                                                                                                                                                                                                                I am the owner of a small kids yoga business and apparently checking out credit card payment options. I am at the start of my business. Depending on student enrollments, single transaction would be around 100$. I have a Galaxy S4. What system would you recommend?
                                                                                                                                                                                                                                                                                                                                                                                Thank you.
                                                                                                                                                                                                                                                                                                                                                                                Bonnie

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                                                                                                                                                                                                                                                                                                                                                                                  Amad Ebrahimi

                                                                                                                                                                                                                                                                                                                                                                                  Bonnie,

                                                                                                                                                                                                                                                                                                                                                                                  We have a great tool that can help you find the right merchant account. I think you should give it a try. 🙂

                                                                                                                                                                                                                                                                                                                                                                                  Take care,
                                                                                                                                                                                                                                                                                                                                                                                  Amad

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                                                                                                                                                                                                                                                                                                                                                                                    Village bike rental

                                                                                                                                                                                                                                                                                                                                                                                    Excellent review. We’re looking closely at square as our POS system for a bike rental business. We’re trying to figure out if a customer rents a bike with a required deposit of say 200 can we swipe the card without charging the customer at that time and then “refund” their deposit when they come back and charge them only for time used for the rental? Does square have a facility where there is a time out and time in? We know it’s not a reservation system but we can’t seem to get an answer to this question.

                                                                                                                                                                                                                                                                                                                                                                                    Thanks

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                                                                                                                                                                                                                                                                                                                                                                                      orlando

                                                                                                                                                                                                                                                                                                                                                                                      Okay I run a small business and I have agents that use my account because I sell credit terminals and Generators. My bank got verified and my have 480 dollar in funds it keep
                                                                                                                                                                                                                                                                                                                                                                                      saying pending deposits. I can’t even take any more payments because they turn off using
                                                                                                                                                                                                                                                                                                                                                                                      the card transaction. All I made was one transaction. When should I get my deposit if I did my transaction before being verified I did the transaction on a thursday.

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                                                                                                                                                                                                                                                                                                                                                                                        Heather

                                                                                                                                                                                                                                                                                                                                                                                        We have a small service type business and we want to start accepting credit cards. A single transaction amount could range from a few hundred to few thousand dollars depending on job size. We use Quick Book accounting software (desk top version) and Android mobile devices. We were considering Square or Intuit GoPayment, but after reading your article, are curious about Flint Mobile. Any recommendations or other factors we need to consider.

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                                                                                                                                                                                                                                                                                                                                                                                          kate

                                                                                                                                                                                                                                                                                                                                                                                          Thanks for this review. We just started using square for our PTO online store. Right now we are selling plants for a fundraiser, next we are adding tickets and wristbands for a school carnival. Starting in the fall we would like to be able to sell our school shirts/sweatshirts, a few other fundraisers, and also collect general donations.

                                                                                                                                                                                                                                                                                                                                                                                          So far no issues, but again we just started. My question is – was square the right choice or would there be a better option that allows for items for sale as well as donations? Thank you!

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                                                                                                                                                                                                                                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                            It sounds like your volume and average sale size are low enough that you won’t have a substantial amount of risk when using Square. If you like their online selling tools, and have used them thus far without any issues, I’d say you’re safe to stick with them. The donation part is tricky, because Square does not allow the customer/donor to input the donation amount. So you would have to preset certain donation amounts that could be “purchased” like a product. Flint has similar online sales features, and could save you on debit transactions, but they don’t offer custom input payment buttons either.

                                                                                                                                                                                                                                                                                                                                                                                            If you want the user to be able to submit a custom amount for donation, I’d recommend PayPal. You don’t have to convert your whole online store to PayPal, just add a “donate” button via the PayPal account. Another benefit to this is that donors can set up monthly recurring donations, which are the best kind!

                                                                                                                                                                                                                                                                                                                                                                                            Hope this helps,
                                                                                                                                                                                                                                                                                                                                                                                            Tom

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                                                                                                                                                                                                                                                                                                                                                                                              Jared Schuren

                                                                                                                                                                                                                                                                                                                                                                                              You gave them 4 stars? You’ve odviously never been on the losing end of this company. Complete RIP off!

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                                                                                                                                                                                                                                                                                                                                                                                                Luke

                                                                                                                                                                                                                                                                                                                                                                                                We are a farm and have a large pick-your-own operation. We were using old sharp registers and a store-and-forward CC machine. Last season we tried Square with a 4G hotspot and really liked it. We loved the offline mode since the 4G wasn’t perfect. Not having offline capability is almost a deal breaker.We read all the horror stories about funding holds and account freezes, but never had an issue and the support was amazing. We could get someone on the phone within an hour or less. I’m wondering if a lot of these stories are actually merchants not running a business properly and not Square’s fault either that or Square’s account stability has improved drastically. If account stability is no longer an issue how long until they are given an all clear? Any company can make mistakes and experience growing pains in the past – what is currently happening in the present should be what matters most from a review prospective.One question I have with Square is that if our sales are too high for CC companies to not require a merchant account… we do about 1,200,000 in sales and over 100,000 with Visa. Would Visa require us to have a merchant account once we pass 100,000?Square is PERFECT for us since we are high volume with average ticket being only $12. If it works for WholeFoods and Starbucks I don’t see why we couldn’t use it if their sales are obviously way way higher. I did talk to Square about setting up a higher level account (for direct customer service / stability) and they said they do if your sales are over a certain amount.

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                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                  Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                  Hi Luke,

                                                                                                                                                                                                                                                                                                                                                                                                  At a certain volume, you will be asked to agree to a commercial entity agreement, which is a direct agreement with the processor. This may help in terms of adding stability. I haven’t seen any recent case studies done in regard to higher volume Square users, but my guess is that Square wants to keep it’s high-volume user active and happy. Since your average ticket is small and your goods are not prone to chargebacks and you have an established business with a processing record (and you’ve already tried the service without issue – most issues happen early on), I think Square is a good option for you.

                                                                                                                                                                                                                                                                                                                                                                                                  A sizable percentage of Square complaints definitely come from new businesses who have no processing history, especially those with large transaction sizes. These merchants pose the highest risk, so they are more likely to have issues.

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                                                                                                                                                                                                                                                                                                                                                                                                    Luke

                                                                                                                                                                                                                                                                                                                                                                                                    Thanks for the advice Tom. MM and these reviews have been a godsend as we go about evaluating POS options.

                                                                                                                                                                                                                                                                                                                                                                                                    I’m still a little confused on how Square’s algos target some accounts and not others (assuming its computerized). We are thinking of moving over other businesses to Square, but these have much larger transaction size.

                                                                                                                                                                                                                                                                                                                                                                                                    – Is there a way for Square to know our previous processing history and that we are an established business? We never provided a EIN # or any history.

                                                                                                                                                                                                                                                                                                                                                                                                    – Could the account freezes people are complaining about be warranted in that a new business (or anyone with a SSN #) without experience could easily mischarge a customer resulting in charge backs?

                                                                                                                                                                                                                                                                                                                                                                                                    Since Square has been so good for us thus far I’m wondering how the experience can differ so much from user to user. We almost didn’t go with Square because of these claims, but if they are warranted then it would be too bad that Square is getting a bad reputation if that makes sense.

                                                                                                                                                                                                                                                                                                                                                                                                    Thanks again for your help!

                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                      Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                      Glad to help. You are touching on a limitation of many reported complaints. Many complaints are quite vague, so we are left guessing about what percentage of account freezes have to do with chargeback ratio, broken card association rules, misstated business info during application, mishandled transactions (such as split charges), actual fraud, and other such preventable issues. We also don’t know the final outcomes of many complaints because the complainants often don’t follow up with us. But the bottom line is that all processors, third-party or otherwise, take steps to mitigate risk in response to the perceived level of risk.

                                                                                                                                                                                                                                                                                                                                                                                                      The problem with Square – or at least what has historically been a problem – is that they do not do an intensive underwriting when the account is opened. Traditional merchant account providers will take a careful look at your business, your history, your current practices, your website, credit, financial statements, etc. Square only does a very basic underwriting when you sign up (because the process is expensive, and they have so many new customers signing up all the time). Then later on, after they can see your processing habits, they usually begin to look at little closer at your business because now it becomes worthwhile for them to do so. By this time, many merchants have a bunch of money tied up with Square, which is what creates so many problems. They think everything is fine, but in reality they were just in a sort of “pre-approval” stage. Square simply does not develop the kind of relationship with its customers that (good) traditional merchant account providers do.

                                                                                                                                                                                                                                                                                                                                                                                                      The worst part is that they don’t have a way for you to request an account review earlier on. This is one reason I recommend Flint for many businesses. At least Flint has a protocol that allows/encourages you to submit the extra paperwork needed to make your account more stable from the get-go. (Flint doesn’t have an offline mode, so not an option for you.)

                                                                                                                                                                                                                                                                                                                                                                                                      So the best way to add stability to your Square account is simply to use it for a good stretch of time, say six months to a year at least. If nothing goes wrong during that time, the chance of a major issue down the line decreases.

                                                                                                                                                                                                                                                                                                                                                                                                      For larger tickets you should also consider that Square will likely be more expensive than alternatives, about 1%+ more expensive in most cases, which really adds up.

                                                                                                                                                                                                                                                                                                                                                                                                      But all said and done Square’s software is great, and for many merchants, especially those with small tickets, it works out really well. We’ve been hearing less complaints about Square lately across the board, so I’m hopeful. But for the “average” user, there are often other options I feel more comfortable referring business to.

                                                                                                                                                                                                                                                                                                                                                                                                      Hope this helps. Keep us posted with your experience!

                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                        We've done in-depth research on each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                                                                        Kris

                                                                                                                                                                                                                                                                                                                                                                                                        what would you suggest Tom, if I am taking small amounts $4-$30 dollar transactions and about 40-80 transactions a day? maybe half of them being credit transaction the other half cash. my inventory is just one thing. what would you recommend for a pos or credit possessing system?

                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                          Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                          Hi Kris,

                                                                                                                                                                                                                                                                                                                                                                                                          I’d say check out Flint. It’s reliable and simple to use.

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                                                                                                                                                                                                                                                                                                                                                                                                            Sandra Warren

                                                                                                                                                                                                                                                                                                                                                                                                            Tom,

                                                                                                                                                                                                                                                                                                                                                                                                            I am an author who would like to be able to offer credit card processing when I’m at book fairs and presentations. Book sales are sporadic and low volume at best. I received information in the mail for the FREE Square Reader but after reading your article, I’m not sure Square is the right company for me. Do you think I should proceed with Square or try one of the other companies?

                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                              Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                              Hi Sandra,

                                                                                                                                                                                                                                                                                                                                                                                                              I honestly think Flint is a better option for you. You won’t need most of the features that Square’s software includes (many features are geared toward high-volume, low-ticket businesses like cafés), and I have found Flint to be more reliable overall. You can sign up with Flint for free to test the app with no commitment. They offer some nice invoicing and online selling tools too. I’ve also found Flint’s camera scan system to have fewer misfires than Square’s card reader.

                                                                                                                                                                                                                                                                                                                                                                                                              Hope this helps. Good luck.
                                                                                                                                                                                                                                                                                                                                                                                                              -Tom

                                                                                                                                                                                                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                Ellen

                                                                                                                                                                                                                                                                                                                                                                                                                Appalling business practices!!! They have wasted hours of my time, holding ransom a $5299.00 purchase from one of my best customers! Asking for three MONTHS of my PRIVATE BANK STATEMENTS! I am sooooo angry, call “Customer Support”??? You’ll get a recording that sends you in search of a non-existant “Customer Code” (You can’t get the code without 3 months bank statements and finishing the verification process (invasive!)I am HOPING they process my payment from my customer, I can’t imagine they would have the audacity to hold my funds for 90 days! Unbelievable bad bad customer service, criminal operating system. They should be turned in to the FCC!!!

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                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                  cindy safier

                                                                                                                                                                                                                                                                                                                                                                                                                  Hi Ellen – I have had same experience with Square and today was my 90 days and received an email saying they were holding my money for 90 more. Just curious – did you ever get your money?

                                                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                    Stacey

                                                                                                                                                                                                                                                                                                                                                                                                                    I have used square register for a long time at least two years. They have been OK up until last week when I had to process three invoices totaling close to 1000.00 then all the sudden I am told I have to do extraordinary measures to get my money. I did comply then tried to get on the phone with a live person. Now I have to get a customer coupon code to be able to call them, really? All I can do is send an email which they won’t reply to I really needed that money and have already been waiting 45 days before I could process the customers card now square wants to hold my money? I would think twice about using their services there are cheaper companies out there.

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                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                      luke

                                                                                                                                                                                                                                                                                                                                                                                                                      My wife and I started a small business which helps treat pain in the body. Customers pay a flat rate of $200 for the service. It is a by appointment only service and typically we see 10-20 customers per day, 4 days a week. We have been doing cash or check only but would like to offer credit/debit cards as a form of payment. Which processor would you suggest? Thanks.

                                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                        Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                        Hi Luke,

                                                                                                                                                                                                                                                                                                                                                                                                                        To some extent it depends on what percentage of those customers you anticipate will be paying with cards instead of cash/check. It you’re looking at over $10K monthly in cards (it sounds like you are), I’d say you should look beyond Square and the other mobile processors. Take a look at PayJunction. You might find that their other features are useful to you as well.

                                                                                                                                                                                                                                                                                                                                                                                                                        Good luck,
                                                                                                                                                                                                                                                                                                                                                                                                                        Tom

                                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                          Luke

                                                                                                                                                                                                                                                                                                                                                                                                                          Thanks for your advice. As of right now the majority of our customers likely still pay cash or check, so the likelihood of going over or even coming close to $10,000 is small. We would like to be able to just swipe the card, get a signature and give them a receipt. This being the case which system would you recommend?

                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                            Glad to help. I’d say you have a few options.

                                                                                                                                                                                                                                                                                                                                                                                                                            1. Flint: Great for lower volumes, reliable, no extra hardware needed (just smartphone or tablet). Downside, it does not connect to a thermal printer. To print receipts, you’d have to do it through a normal office printer, and you have to initiate it from Flint’s online customer portal. Of course emailed receipts can be used instead, which are sent directly from the app. No monthly fee.

                                                                                                                                                                                                                                                                                                                                                                                                                            2. Helcim: Good merchant account provider for small businesses. Great prices, very stable. You could save about 1% compared to a mobile processor. Downside: you’ll have to buy the hardware, which would be about $200 (the receipt printer is built-in). It’s a solid investment, and very reasonably priced compared to others. Monthly fee is $12.

                                                                                                                                                                                                                                                                                                                                                                                                                            3. Spark Pay: This is Capital One’s mobile processing service. They have affordable options and do support receipt printing. But you would have to buy the printer, and it could end up costing almost as much as the machine through Helcim. They have two monthly fee options, one of which is free.

                                                                                                                                                                                                                                                                                                                                                                                                                            Good luck!

                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                              We've done in-depth testing of each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                                                                                              Debora Weksler

                                                                                                                                                                                                                                                                                                                                                                                                                              We are a small Florida town holistic office with an acupuncturist, chiropractor and massage therapist and also sell supplements. Business fluctuates mostly seasonally. I found the square to be great until I read that they can hold earnings indefinitely and without warning.
                                                                                                                                                                                                                                                                                                                                                                                                                              I guess I’m a sceptic and I have to ask if you have a conflict of interest. I have the idea you have a preference for Flint.
                                                                                                                                                                                                                                                                                                                                                                                                                              Thank you. Now I have to check out flint.

                                                                                                                                                                                                                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                Hi Debora,

                                                                                                                                                                                                                                                                                                                                                                                                                                I think Flint and Square serve two very different purposes. In terms of how they handle accounts and transactions, and the features they offer, these companies have as many differences as similarities.

                                                                                                                                                                                                                                                                                                                                                                                                                                The fact is that any payment processor can end up withholding your funds if they perceive a risk of fraud (Flint included), and that is totally at their discretion. No one can hold the funds indefinitely, though, not even Square. They can only hold the funds as long as the risk of loss remains, which in most cases tops out at 180 days, often much sooner.

                                                                                                                                                                                                                                                                                                                                                                                                                                Flint accounts tend to be more stable, and since there is no added hardware there is less chance of malfunction. Flint doesn’t have all of the point-of-sale features that Square has, but what they do have tends to work very well the vast majority of the time.

                                                                                                                                                                                                                                                                                                                                                                                                                                Because of this, I usually tell people who don’t need all of the bells and whistles that Square offers to check out Flint instead. But for some businesses, Square is absolutely a better option. It comes down to your needs, budget, and the amount of risk you can handle.

                                                                                                                                                                                                                                                                                                                                                                                                                                If you are interested to learn more about how we remain unbiased in our reviews, check out this page.

                                                                                                                                                                                                                                                                                                                                                                                                                                Thanks for reading,
                                                                                                                                                                                                                                                                                                                                                                                                                                Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                  Debora Weksler

                                                                                                                                                                                                                                                                                                                                                                                                                                  Hi, I just read your article about Square augment system. I was looking to see there was any down side.

                                                                                                                                                                                                                                                                                                                                                                                                                                  I guess I am a sceptic and I have ask if you have any conflicts of interests but at the same rate assess briefly if a holistic business in a tourist area, which has fluctuating business income with 4 practitoners; acupuncture, chyropractic, homeopathy and massage.

                                                                                                                                                                                                                                                                                                                                                                                                                                  I appreciate your and await your reply

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                                                                                                                                                                                                                                                                                                                                                                                                                                    Amber Jones

                                                                                                                                                                                                                                                                                                                                                                                                                                    This review has been very helpful, and I appreciate your honesty. My question is, if I am only going to be processing payments 1 or 2 days a month and I only bring in $300- $700 a month, would Square be my best option? Would you suggest another route for me?
                                                                                                                                                                                                                                                                                                                                                                                                                                    Thank so much in advance!

                                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                      Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                      Hi Amber,

                                                                                                                                                                                                                                                                                                                                                                                                                                      I actually think that Flint would be a better option for you. Square works well for fast-paced businesses that have a lot of small transactions and a lot of inventory items. But for a small number of larger transactions, I’ve found Flint more reliable.

                                                                                                                                                                                                                                                                                                                                                                                                                                      Good luck!
                                                                                                                                                                                                                                                                                                                                                                                                                                      Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                        ann

                                                                                                                                                                                                                                                                                                                                                                                                                                        Thank you so much for writing this. I am an author who is starting to take her book “on the road” so need something for credit card sales. I have the square reader but haven’t installed the app yet. I don’t expect to have large volume but do want to be able to offer credit card as an option to cash. Your article makes me feel much more comfortable with the process. I am concerned because I do not have a plan for my iPad so will have to depend on WiFi which might cause other problems. Always something, eh. Thanks again for your clarity and staightforwardness.

                                                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                          Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                          Hi Ann,

                                                                                                                                                                                                                                                                                                                                                                                                                                          A nice thing about Square is that they have an offline mode, so even if you don’t have an internet connection you can still accept card payments. The payments won’t be authorized until you get to an internet connection, so there is a chance that a transaction could fail. But it’s better than nothing.

                                                                                                                                                                                                                                                                                                                                                                                                                                          Glad to help and good luck!
                                                                                                                                                                                                                                                                                                                                                                                                                                          -Tom

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                                                                                                                                                                                                                                                                                                                                                                                                                                            Andrew Shecktor

                                                                                                                                                                                                                                                                                                                                                                                                                                            I too am a writer, and have been using Square for over a year with occasional sales of books at fairs, etc. The only problem I had was a problem with the reader, which Square replaced at no cost – everything works fine now, my funds transfer within a day or two.

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                                                                                                                                                                                                                                                                                                                                                                                                                                              Sandra Warren

                                                                                                                                                                                                                                                                                                                                                                                                                                              Thank you Andrew. I appreciate your taking the time to share your experience.

                                                                                                                                                                                                                                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                Daryl

                                                                                                                                                                                                                                                                                                                                                                                                                                                Have been using Square since we opened one year ago. Have not experienced any problems with holds or other processing issues. With an average guest check of $10 the fees work out great. We utilize two stands and a hand held iPad for overflow. We also utilize the new open tickets beta for phone call ahead orders and it works great as well. So far so good.
                                                                                                                                                                                                                                                                                                                                                                                                                                                Our issue is with the online market. We get a lot of feedback that certain browsers at corporate businesses can not access it or when they do some of the functions don’t work. Also Square only offers Pickup or Shipping and not a local same day delivery. So we try to tell people that even though it says pickup only if you need delivery put your address in the comments when checking out but this gets confusing to many. If we activate shipping the shortest shipping is 1 day and it emails us the order on a delay and doesn’t send to our register.
                                                                                                                                                                                                                                                                                                                                                                                                                                                So the question is there a better solution for this online pickup AND delivery order option that ties directly to the POS while still keeping low fees? This is an issue as it accounts for 20% of our orders and growing.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                  M

                                                                                                                                                                                                                                                                                                                                                                                                                                                  i have a quick question. what happens if i issue a refund to a customer without having any funds in my bank account for Square to collect? does the customer get affected?

                                                                                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                    Square waits to make sure that the ACH payment from your bank account goes through without an NSF before authorizing the payment to the customer. This is assuming that you don’t have anything in your Square balance, because that will be used first. This process takes time, which is why it can take up to 7 days to process the refund, and up to 14 days for the customer to be paid back. They don’t want to have to take you to collections to get their money.

                                                                                                                                                                                                                                                                                                                                                                                                                                                    Here’s a quote directly from Square:

                                                                                                                                                                                                                                                                                                                                                                                                                                                    When you issue a refund, Square first looks to your Square balance to cover the refund amount. If there are insufficient funds within your balance, Square withdraws the amount that you were paid (the sale amount minus the initial payment fee) from your bank account and then credits it back to your customer’s card.

                                                                                                                                                                                                                                                                                                                                                                                                                                                    For example, if the amount of the original transaction was $25, then $24.31 is withdrawn from your bank account and the full $25.00 is refunded to your customer’s card. The fees ($0.69 in this case) are covered by Square, and the full purchase amount is always returned to your customer.

                                                                                                                                                                                                                                                                                                                                                                                                                                                    While uncommon, you may need to wait 24 hours after a payment is completed to process a refund on an Android device.

                                                                                                                                                                                                                                                                                                                                                                                                                                                    When you issue a refund, we temporarily hold the amount of that refund in your Square balance. It typically takes Square two business days to process a refund, but can take up to seven business days. Once that process is complete, the refund is applied to your customer’s bank account within seven business days. In total, your customer should see the funds in their account within 9-14 business days.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                      Webster

                                                                                                                                                                                                                                                                                                                                                                                                                                                      Thank you! Your post was very helpful.
                                                                                                                                                                                                                                                                                                                                                                                                                                                      I operate a small catering company. I have been processing all of my credit card transactions through Sams Club Merchant Credit Card Processing/First Data. However, I am fed up with all of the interchange fees! Some months my interchange fees are 3x the amount of my regular processing fees. When I process clients credit cards; I never know what fees to expect the following month because they could be using a reward credit card, corporate card, government credit card, etc.

                                                                                                                                                                                                                                                                                                                                                                                                                                                      Therefore, I am considering square. My biggest downfall with square is the majority of my credit card transactions are keyed-in/manually entered. I process deposits and payments from clients usually over the phone. Square charges charges 3.5% + $.15 per transaction on manually entered transactions.
                                                                                                                                                                                                                                                                                                                                                                                                                                                      I also was considering Merchant One. But after reading your review and others about Merchant One I reconsidered.

                                                                                                                                                                                                                                                                                                                                                                                                                                                      Is there a credit card processing company you could recommend that would have no interchange fees, low or no monthly fees and reasonable transactions fees for manually entered transactions? I have no use for all of the perks the square system offers on the ipad. I just need to process my credit card payments at a fair rate.

                                                                                                                                                                                                                                                                                                                                                                                                                                                      Thank you for your help

                                                                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                        Hi Webster,

                                                                                                                                                                                                                                                                                                                                                                                                                                                        For manually-entered payments, I don’t recommend any of the mobile-based processors. You will be better off with a browser-based virtual terminal that you can use from your computer or smartphone internet browser.

                                                                                                                                                                                                                                                                                                                                                                                                                                                        Consider CDGcommerce. The monthly fee is only $10, and the processing fees are low. Payline Data has a plan with only $5 per month, although the processing fees are slightly higher (still way lower than Square, though).

                                                                                                                                                                                                                                                                                                                                                                                                                                                        You won’t need any equipment. The processing can be done from any device with a web browser.

                                                                                                                                                                                                                                                                                                                                                                                                                                                        Good luck!
                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tom

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                                                                                                                                                                                                                                                                                                                                                                                                                                                          jim mott

                                                                                                                                                                                                                                                                                                                                                                                                                                                          I am finding your reviews very helpful, thanks. Two questions, which apply to Square but also are general with regard to your knowledge of mobile card processing services: First, I was surprised by how much sensitive info Square collects in the sign-up process. Do you happen to know how secure the info is and whether Square releases any of it to 3rd parties (I get way too much junk email already!). Second, Square seems to allow vendors to make transactions off-line. This would be very useful to me, as my iPad is not connected to mobile server account. Do you know if any of your other top services (Flint, Here, etc.) have this capability? Thank you.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hi Jim,

                                                                                                                                                                                                                                                                                                                                                                                                                                                            Glad to help. I’m confident in Square’s ability to keep sensitive information secure, and haven’t seen any evidence that they sell lead information.

                                                                                                                                                                                                                                                                                                                                                                                                                                                            Unfortunately none of the other providers in the mobile-only category can do offline transactions. But if you opt for a merchant account with a company like Payline Data, I believe that the mobile processing app they use can do this kind of transaction. I actually think the same can be said for CDGcommerce as well, but Payline has a better low-volume plan.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                              Josie McHale

                                                                                                                                                                                                                                                                                                                                                                                                                                                              Well I had someone hacked into my Square account today. Charged $5000 into my account. Changed my log in credentials so that they can access my account and effectively locked me out from changing anything. Tried reaching out to customer service for help. Call 855-700-6000 only to find out I needed a customer code. How do I get a customer code? Well, I have to log into my Square account in order to obtain that. Since I couldn’t log in, I emailed security@squareup.com. The hacker now has sinced changed the email address to my account twice and back to my original email, but still cannot log in and Square has yet to respond back to any of my numerous email requests in the last hour. I’m going to deactivate my account and never USE them again!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                Loren

                                                                                                                                                                                                                                                                                                                                                                                                                                                                Hi, I came up on this website after searching for “like issues” I was having with my square market store. Anytime someone goes to my online market to buy products, it will keep reloading the main page. My customers are frustrated and obviously it’s not easy to order which drops my sales. Also when I am running a promotion, no one can ever find the “promo code” box! Anyone experience this?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Debi

                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Thank you so much for this article! I was wondering what your recommendation world be for an organization that collects dues and monies for memorabilia and charity events would be? The members would like to have an online payment option, and I could not find a way for square to link to our webpage for payment. Is the only option PayPal? Thanks!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Hi Debi,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Square does have an online selling option, but for your purposes I would actually recommend Flint. You can add customized payment buttons, and users will not even have to leave your site to pay. You can also use payment pages hosted by Flint if you prefer. I think that you’ll find their online tools better suited to your needs than Square’s, plus you’ll likely end up saving money overall. Check them out.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Good luck,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                      We've done in-depth research on each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Randy Peterson

                                                                                                                                                                                                                                                                                                                                                                                                                                                                      I am dealing with an issue where the business that processes my rent payment uses Square, they processed a transaction for my March rent on my debit card. They got a denied response so they tried again and recieved the same response. However, there were more than enough funds in my account and my bank showed a pending transaction for the charge. The next day the payment processed through my bank as complete.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This was on March 3rd, and as of today the 14th my landlord claims they still have received no funds from Square for the transaction and are now threatening eviction! I am disputing it with my bank but since there are similar tranactions from other months they are claiming that it is an error with Square. Any suggestions from anyone on help with resolving this? I have gotten nowhere with Square because I am not the owner of the Square account, and the landlord isn’t helping, they just want me to pay again.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Frustrated and Helpless!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Randy,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                        You should tell your landlord that Square is NOT an appropriate means of collecting rent money. It is way more expensive than alternatives, and way less reliable.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                        For instance, if you paid $600 in rent via Square on a debit card, your landlord loses $16.50 in fees. If they processed the transaction directly from your checking account via a service like Dwolla, the fee would only be $0.25! That’s about $200 annually that they are overpaying just to collect $600 monthly. The more they accept, the more they overpay. At $1200 monthly is would be an overpayment of nearly $400 annually for your landlord.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Beyond this oversight, your landlord should consider that Square will sometimes withhold a transaction because they perceive a risk of fraud. There is nothing that you can do to prevent this. I don’t know if that’s what happened here, but it’s a possibility.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                        You should show the landlord that the transaction has posted as complete and the money has been taken from your account. You may need to call your bank to see what they can do to prove that the transaction has occurred. Then you should encourage the landlord to contact Square to see if something went wrong on their end, and to check their transaction history. And then, if you want to be nice, you should suggest that they begin to process rent either as direct bank account transfers (which are often free, you just need to provide your acct and routing numbers), or via a service like Dwolla that only charges $0.25 per transaction and will NEVER hold a transaction. Otherwise you should insist on writing a check.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Hope this works out for you. I have never heard of a landlord using Square. It’s just not a good idea.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                          T Brown

                                                                                                                                                                                                                                                                                                                                                                                                                                                                          The main problem as we see it is the inability to deal with open tickets, which renders Square useless in a sit down restaurant, casual or not. It works for our over the counter Juice sales, we would love to use the online order feature; but the missing open ticket is an absolute show stopper. Unfortunately. So now we are looking at Touch Bistro, while hoping daily to see a feature upgrade from Square.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Jonathan Baltic

                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hi Tom:We are opening a small breakfast/lunch restaurant. We will have an average cover of about $12 with the total of daily charges in the $1,500 range. Anyway, we have been looking at both Square & Shopkeep. What we like about Square in addition to the ease of use is the low cost and the fixed 2.75% swipe fee. I know this might seem a little high but in reality by the time you deal with all the invisible fees of standard processors, maybe not. Also by the time you factor in the low equipment cost and lack of monthly fees it actually seems like a good dealThoughts?

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Hi Jonathan,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Sorry for the delay. This is actually a really common comparison point to end up at, and it can be a seriously tough call.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Square gives a lot considering there is no monthly fee for either the POS or the processing service (unless you purchase add-ons or integrations). The processing rate of 2.75% is high, especially for debit transactions, but small transactions are actually very inexpensive to process with Square since no per-transaction fee (authorization fee) is charged (often $0.20 per transaction with other processors, which is an added 1% on a $20 transaction).

                                                                                                                                                                                                                                                                                                                                                                                                                                                                              On the other hand, ShopKeep‘s feature list goes well beyond what Square offers, and they allow you to choose your payment processor. They also allow you to change POS or change the processor independently. With Square, it’s an all or nothing situation. Perhaps the most substantial benefit with ShopKeep, beyond the features, is the potential for better account stability. Since you get to choose your own payment processor, you are less likely to experience funding holds or account terminations.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                              So it really comes down to three things. First, will you benefit from the added features supported via ShopKeep? If not, consider Square. Second, can you afford to pay a little bit extra for ShopKeep fees and potentially more for processing fees? If not, point for Square. And lastly, are you able to risk your funds being withheld with Square? If not, seriously consider ShopKeep. While chances are that you won’t have any issues if you go with Square, it’s important to be prepared for the possibility since the probability of an occurance is greater when you use Square.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                              It’s not an easy choice. The good news is that – as long as you don’t use the Square Stand – the hardware is basically the same for these two providers. So if you start out with Square and then decide to switch, it should be easy.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Good luck!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Scott

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Tom – how does Square get around the Dodd/Frank bill on a $3.50 transaction when the customer uses a debit card ?
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                .027 x $3.50 = .096
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Dodd/Frank Debit .21 (plus .01 for fraud) cents per transaction.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Isn’t Square losing .12 cents on this transaction ?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Hi Scott,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Yep! Square loses money on many transaction scenarios, including about 100% of American Express transactions, since retail AMEX transactions are 2.89% + $0.10. Small transactions are particularly troublesome, since no per-transaction/authorization fees are charged for card-present with Square. Square’s overall profitability is a popular area of speculation.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Regulated debit transactions are 0.05% + $0.21. So on a $10 debit transaction Square charges $0.27 and the actual cost is about $0.21. The merchant still ends up saving money with Square in this scenario because of markup, but Square barely breaks even (before operating costs).

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  But of course on a $100 regulated debit transaction Square makes $2.75 and only pays $0.46. Square makes their money back on larger transactions. Merchants with an average ticket under $20 are likely to pay less with Square than with a traditional processor, all said and done. They give up a certain amount of flexibility and stability, but for low-volume merchants faced with paying $50+ just for POS software elsewhere, Square is hard to pass up.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Scott

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom Thank you for replying. Please do not forget the .01 fraud charge for a total of .22 cents and .0005
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    The Startbucks – Square deal has cost Square millions. Please see link or google “square and starbucks deal 25 million loss” or “starbucks ceo resigns from square board”

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    http://www.businessinsider.com/square-starbucks-deal-25-million-loss-2014-5

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Question- how does square stay in business ?

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      If we just looked at the money Square pays in interchange/assessment versus the money they bring in from processing fees, I’m sure that they come out in the green. This is due to the fact that “most” transactions are profitable for Square. The question is, how much in the green are they based solely on the processing fees? And how much does it cost to run a business like Square aside from this cost? I really have no idea what kind of numbers they’re dealing with in these regards. But I think just about everyone agrees that Square is currently operating at a loss. There are a lot of investment dollars to go through, and that is largely keeping them afloat I’d guess. But the income they earn through the profitable transactions is pretty substantial regardless. It’s the same way that Braintree can afford to give away your first $50K in processing. Yes, they take a loss on it. But the hope is that in the long run they make a profit.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        And don’t forget about assessment/card brand fees. This will add at least 0.10% to the transaction cost.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          We've done in-depth testing of each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Abby Fitzgerald

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Hi Tom!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          The company I work for is looking into cheaper options for processing. We travel throughout the midwest and sell clothing at multiple events per weekend. Up to four separate locations, however we would be based all from one main location. Could we have multiple squares running at once? Is the tax withholding service adjustable so we can tune it to separate states tax laws for selling. I’ve noticed you said a few things about security. Some of our events sell about $2,000 total for three days. However, other events will sell up to $25,000 in three days. I was hoping maybe you could suggest a cheap option for us if square can’t fill our needs. Since our sales occur at odd location we really need the offline option. The system we have now is large and outdated so we are in desperate need of a new system that can keep our inventory updated regularly and handle our sales capacity. Sales are seasonal as well so we don’t need a year round service but could do leasing based monthly.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            The trickiest part of the situation you’re describing is the need for offline processing. Browser-based virtual terminals will required wifi or data, as will most mobile processing apps. Aside from Square, the only app I know of that can do this is the M+ Terminal from goEmerchant. (Maybe worth checking out.)

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Aside from that, you can write down the payment details and key them in later when you have service. Or you can call in the payment details (assuming phone access but no data access) to someone else who can process the payment from a virtual terminal or the payment app.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            So, with all of that said, you should check out CDGcommerce and Payline Data. Both will serve your needs (aside from the offline mode) and have low monthly fees ($5 to $10 monthly, and you can schedule seasonal downtime so you only pay for the months you need it). Both will also be more reliable than Square in terms of having access to your funds.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hope this helps!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Hi again Abby,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              I was thinking about your question a little more today when I realized that Payline Data uses the RoamPay app, which DOES allow for offline transactions! So definitely check them out.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Good luck!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Jessica

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Hi Tom,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                I have a square that I use one day a week for small transactions. I am currently using it om my husband’s iphone because I don’t have a smart phone, but I am having problems with the app. I was able to contact customer service and they recommended uninstalling the app and reinstalling. This fixed the problem for a couple of weeks and now I am having the same problem again. I am thinking about getting a pay-per-use smart phone with a data only plan to use just for the square. Do you recommend a specific model or know of any models that don’t work with the square?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Thanks so much.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Hi Jessica,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Check out this list for all the device compatibility info you could ever want! I always feel like Apple phones work best with Square, but many Android-based phones work perfectly well too.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Steven

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    I simply love this company and the service. Once I had a charge disputed by a customer and Square was on my side all the way and I ultimately won the case. Unlike PayPal that instantly refunds money without giving the merchant any say-so in the matter.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Fabio

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Hi Tom,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      I am a flooring contractor planning on taking credit cards. My transactions will vary from as low as $1500.00 or as high as $15.000. I am not expecting a lot of transactions, so it will not be used consistently. Do you have any suggestions on any other products or would Square be a good option for me? I got a little concerned about the holds on accounts as I am a small business.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This is a great article. Very informative.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Thanks.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Fabio

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Hi Fabio,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Definitely do not use Square for this. With transactions of that size, I wouldn’t trust them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        The right option for you will depend on your needs. You can use this tool to help direct you to the best choice. Or if you need more help, get in touch with us here.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Just based on the info you’ve provided here, you might check out Helcim or Payline Data. Good luck!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Alex Hunter

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          If you want to get SCAMED out of your Money…Please go ahead and sign up for SQAREUP…By the way…Try calling their “Customer Service” ….It doesn’t exist!- Biggest Scam in the US! – Too bad you can’t give NEGATIVE stars!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Angela M.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hi, I am a nail tech, and after taking a clients payment, she later informed me that her reciept was sent to a friends phone who lives out of state. After asking tons of questions, she informed me that she has made square payments to this friend on a square reader previously. Also stated that this also happend when she made a payment to her hair stylist ( reciept going to out of state friend). How can this happen ?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Mitch

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Hi Tom Question. We have 3 separate business locations and will start using the square stand/register on 3 different IPads soon. The payments will be going to one bank account. Will we be able set up 3 different locations and process payments without any problems? Thanks

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Hi Mitch,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Square does have this capability. (Read more here.) I haven’t heard from any merchants who have used this feature, so I’m not 100% sure how it works in terms of inventory management and general reporting for multiple locations. You will want to take a look at this to see if it suits your needs (depending on your business type). Otherwise, you may want to consider other iPad POS options.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Chris Elder

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  I’m in a similar situation where I’m looking to start a multi store retail company. I love the POS and reporting side of Square (credit card won’t be used so no real problems there).

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  But the real problem is one that I can’t believe doesn’t get talked about much – you can not have multiple locations setup on the one account! Multi store companies must setup different accounts for each site (there’s actually 3 workarounds according to Square support but this is the best).

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This HAS to be a feature coming. I just can’t believe it’s not already included and that more people aren’t requesting it. Does this mean that everyone using Square only has 1 store?!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Hi Chris,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    It’s crazy, I know! But Square is banking on the very small business crowd, and most of these businesses only have one location. Here’s a link to Square’s info about multi-account functions. It’s nothing you haven’t already encountered, but I’ll post it here for anyone else interested.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      W. Blakemore

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      The Square has been a very seamless way for us to take credit cards in our small art gallery. However, here is a tip that has really helped us use it. Often it takes a number of swipes to take the card. This tip we learned just yesterday: Pinch the reader while you swipe. I use my thumb and fore finger on my left hand, (being a right-hander by demand of my teachers) and hold the device on my lower rib cage. By pinching the reader, the card seems to have better contact, and READS THE FIRST TIME IT IS SWIPED. Try it.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Leslie Williams

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Hi Tom,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Question: Our salon acts as an umbrella for our self-employed stylists. With the Square Register POS system, are we able to take payments for our staff using one iPad POS? Or do they all need individual readers separate from the salon’s POS?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Thank you,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Leslie

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Hi Leslie,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          If each stylist’s sales need to go to individual accounts, it can all be handled on one machine but each stylist will need to log in to their own account before the sale (and log out afterward, to avoid errors). No aggregate information will be collected; the separate accounts (including things like inventory and reports) will exist completely independently.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          If all sales will go into single account, then you can just use the employee feature to track individual stylists. In this case, you will have access to all of the sales data and things like inventory and reporting will be shared.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          If some stylists would prefer to use their own smartphones for processing payments, they can get their own readers for free whether you share the account or each has his/her own account.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Hope this helps,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            SANDY A

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hi, Tom … our family has a seasonal income tax service. This year we have had several requests from our clients to pay with debit or credit cards. Since we don’t expect a large number or cards to be accepted, we are considering using Square for the simplicity. Any suggestions would be appreciated. Thank You

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Hi Sandy,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              My first recommendation for businesses like your is to try Flint Mobile. They are much more reliable and in many cases significantly less expensive than Square. If you try Flint and feel like you need more features, then you should consider other options in the mobile processing category. Square has a ton of great features, but it’s a less reliable option.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Hope this helps!
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              -Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Chris

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Tom,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                I have a small seasonal mobile rental business ave sale $70. Sales take place in several areas that have no cell service. On my prior card reader service, I had the option of running cards “offline” and then once in service range, “batching” the sales (which also helped for per transaction costs). Does the square have that option?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Hi Chris,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Yes, Square is in fact one of the few mobile processors that have an “offline” mode, so they might be a good fit for your needs.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  -Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Sean

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Does Flint have an off line mode?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Hi Sean,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      No, unfortunately Flint does not have an offline mode. Square is one of the few that do.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        We've done in-depth research on each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tasha

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Hello,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        I am starting a small online shoe business and I am trying to find the best route to take in finding a merchant to process credit card payments as most people use credit cards when buying online. I was told about paypal and now square up. Could you tell me what you would recommend?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Hi Tasha,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          To some extent it will depend on your volume and your needs (whether you plan to use a shopping cart, payment buttons, payment pages, etc., and how your website will be set up). CDGcommerce is a good place to start. Also check out Payment Depot.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          If you’d like some more help choosing, submit this form and we’ll get back to you ASAP!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Foy

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hello Tom,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            I am a Tour Operator and have been since 1992. I am a home-based sole proprietor business and have been since 1992. I sell packaged tours to my customers. I also plan and sell group cruises, and fly-in packaged tours to my customers. A package tour usually consists of around 30 – 50 persons. I am tired of all the fees charged to me by my current credit card processor and of course the PCI Validation.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            I usually take a $100 deposit per person and the balance is due 45 days prior to the departure date of the tour. My normal transactions after the initial deposit ranges from $1200 up to $3000 per person. A married couple transaction would be $2400 up to $6000 for a couple. When my payment in full date arrives, I could have several transactions in a single day totaling as much as $40,000.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Is this type business and type transactions permitted with Square or am I taking a chance getting funds put on hold or my account deactiviated?
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Foy

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Hi Foy,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Square won’t be able to handle these kinds of transactions first because of the volume, but also because they won’t be able to do the preauthorization you need for those two-part charges.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Processing providers may consider your business type to be high-risk. If this is the case, check out Payline Data and Durango Merchant Services. They both specialize in that kind of account, and can get you a fair rate. Otherwise, take a look at some of our all-around favorite providers. If you could use some more help choosing, submit this form and we’ll get back to you ASAP.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Good luck,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Honest PC Services

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Someone recently tried to order one of my products online using a stolen credit card. The payment was not accepted, the funds were returned and Square still felt the need to review my business. So I provided all of the information they requested, I told them to feel free to request more information, and within hours, square deactivated my account, permanently and irreversibly. The email from square said they found a pattern of high risk activity. That “patern” was one transaction, which got reversed anyway. After using them for a year they just threw me in the trash and left me without a card processing solution.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Gaetan

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Hi Tom,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Great review I just happen to fall on searching information on Square. We would probably need some customization and from your review regarding support I’m not sure if Square is a good fit. I’ll try to explain our scenario and maybe you can guide me in a product that could help us. We are selling an online/subscription service. Our sales reps goes to business meeting and after their presentation they need to collect customer’s information to create their account, along with payment. Since it is a subscription based product, does Square offer the possibility of vaulting the credit card info for re-occurring future payments? Will it provide a vaulted ID for our sales reps to associate with the account information they have collected? After the meetings, sales reps brings in the account information for our customer service reps to create the account in the system. Our current issue is that all solutions we have looked at, there is no way to associate the payment information with the specific account once created. Any advice?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Hi Gaetan,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Unfortunately Square does not offer recurring payment solutions. What you need is a provider offering a payment gateway that features a web-based virtual terminal and recurring payment/card vault functionality. This will allow your reps to enter the card info directly into the virtual terminal via a smartphone or laptop in the field. Any of our featured providers will be able to accommodate this. Each recurring entry is given a unique ID (not just for the transaction, remains consistent for each recurring cycle).

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    You might also consider something with a built-in customer management system, like PaySimple or PayJunction.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Good luck,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Kpanebia

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Tom….we are a small non-profit that supports high school sports. We are very interested in using the Square for Point of Sale at our fundraisers. Our transactions would range from $15-$150 and would be sporadic. Most of them would appear as batches if you will….say 75 of them within a few hours at an event and then would sit quiet for weeks. My biggest concern is the holding of monies I am reading about and being shut down for being small.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      What are your thoughts? I could really use your input!
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      KP

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Hi KP,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        In my experience, your best bet in mobile processing to decrease the likelihood of holds is to use Flint Mobile. They don’t have all the features that Square offers, but they are more reliable. I can also tell you that Square has improved its system lately so I’m seeing fewer instances of funding holds, but it’s always a possibility. So if you don’t need all of the features offered by Square, I’d say go with Flint instead. You may also consider Spark Pay or PayPal Here.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Good luck,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Melissa Darden

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Thanks for the article. I ran across it while trying to verify info from a merchant services rep. He came in hawking his product and informed me that all the customer’s credit card info is stored in the phone or pad used with the Square swiper. Have you heard this or do you know it to be true. I cannot find any info from other sources. Thanks! Our experience with the Square system has been problem free so far.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hi Melissa,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            That is 100% not accurate. No credit card information is stored in the device. The info is encrypted (ie, turned into a basically indecipherable coded format) by the reader and sent to Square for processing. In the Square reporting system they do allow you to track new versus returning customers by way of the card they used, but all of this data is handled and encrypted by Square. You don’t store or have access to credit card info when you use Square.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hope this helps!
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            -Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              We've done in-depth testing of each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Matt

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Hello Tom, wondering if you can point me in the right direction as I start my search. We’re a event business that does 99% sign ups via the web, so we have a merchant account. At the event however we do retail sales of souvenir and what not. I’m looking for a solid app along with ipad hardware to create a mobile POS. We currently have two aging wireless credit card machines and it would be great stay high tech. Looking for any alternative solutions using authorize.net. Or have you seen anyone use the square-register hardware with a different app?

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Hi Matt,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Because you already have a merchant account, you have some options.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Your first option is to use a service like Flint Mobile, PayPal Here, or Square. These will operate outside of your merchant account, since the POS apps are bundled with the payment processing service.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Your other option is to use an iPad POS app that will integrate with your gateway/merchant account. Have you spoken with your merchant account provider to see if they have a recommended mobile solution? This might be a good place to start if you go this route. You should also consider that Authorize.Net actually offers a free mobile app, mPOS. I haven’t tested it, but it seems solid enough. You have to buy the card reader, but it’s only about $10.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                If you need more features than Flint has, Square is very feature-rich. You might also consider something like Vend.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                The Square app/hardware/processing system are bundled and cannot be used with any other systems.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Good luck!
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                -Tom

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Richard

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Hi,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Well written article. I only found it because I was looking into other’s experience with squareup.com customer service. In few years or more I’ve been using them it’s been easy. I had a question and decided to call.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  I was already logged in to my account and their phone system always asks for one’s customer number, which is provided in my account online.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  My exact experience was: calling, entering my customer number and being told by the automated system it was not a valid number. I tried this three times and it failed all three calls, thus following their required method for speaking with a person is a complete joke!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Richard

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Hi Richard,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Thanks for reading! Square is trying to improve their support, but there have been issues. Did you you get your unique 12-digit “Customer Code” aka Customer Support Code via the Support page? For each issue you have, you must generate a new support code in order to use phone support. If so, it’s possible that your code expired or timed-out. While I can’t say the system is perfect, I have been able to use the phone support before. So I’m hoping this is an isolated issue. Please come back and let us know if you make any progress with this.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Best,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Ann

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Dear Tom,My email has been comprised by 4 receipts for 4 people unknown to me, from a company unknown to me……I have never heard of this company…..How did they get my email and am sending these 4, so far, receipts to me…..one for $347.00.I tried to call Squareup.com but need a code which I don’t want to get and I didn’t want to send them my email….but am sending it to you since you have a way of helping others with this company….Any advice would be appreciated on how to get them off my back. I have placed a call to the FTC and will be calling BBB next. Thank you, Ann

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Hi Ann,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        That is exceptionally strange. Square is a credit card processor used by many different businesses. When a customer checks out at a business using Square for credit card processing (this may be in-person or online), they are prompted to supply an email address to receive a digital receipt. This receipt should indicate the business name and the purchase information. Is it possible that some family member or friend is giving out your email address when they shop? That would be the most logical explanation to my mind. Are the orders coming from businesses close to you? If so, it could be evidence that this is the case.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        If that’s not the case, then I’m as confused as you are. There is no good reason for someone to be using your email address, unless by accident. If this was a case of fraud, most likely a dummy email account would be used. All the same, please do check your credit cards to make sure no fraudulent transactions have occurred.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Let me know if you figure this out or if you’d like more information.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Good luck,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Ann

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Hi Tom,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Thanks for the quick response……I have no idea who they are, here are there names:
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          1. Bruna Ferrari Beads Inc. = $40.00 with a signature swiped by (RED)? 1/23/15
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          2. Baorong Huang = $54.00 by a Visa 1/23/15
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          3. William A. Boss = $123.00 by a Visa 1/23/15
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          4. jura cilks = $347.25 pd by ? (no mention of how this was paid)

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          It’s just so strange…..apparently they are from the LA area.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Thanks again for any help….. Ann

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Do you know anyone who went to the California Gift Show? It seems like these may be vendors from that event.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Based on what I can see, it’s most likely a case of someone using your email address. Maybe someone you know. Who knows, maybe they were shopping for you and didn’t understand that the receipt would be sent to you!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            -Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Ann

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              I appreciate your quick and caring response, but I do not know any of the 4 people or businesses……and do not have ANY connection to any of them or their businesses…
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              I did call the only one with a phone number and she has no idea either, but did say the manager was at a gift show…..I never had even a small business! I’m just a retired person.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Thanks for your time……I will contact the manager of the business in LA with the ‘Beads’.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Ann

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Ann

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Hi Tom,Well I have finally figured it out……with the help of one of the customers bookkeepers.There was not 4 different people, but only 1 person shopping at this event. The 1 person stopped at 4 different venues and purchased something at each one, using the same credit card #……How they got my email was by just a typo……their email probably is very similar to mine.So there’s really nothing to worry about…..the bookkeeper said the mistake happened with the 1st purchase and no one noticed the wrong email and eventually they got in touch with Square and asked what happened to their receipts and hopefully found the mistake.Thanks again for your interest. Ann

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Thanks for the update! Glad to know it was just an input error and not a more serious malfunction.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Take care,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Evelyn

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    I’ve been using square as my credit card processor for 2 years now in my restaurant. I like it! However, I would love it better if they would allow the POS part of it run tabs. For that reason I use Lavu for my POS and run the separate app Square to run credit cards. Square has been good to be and my money I do not want to leave it. I’m trying to find out if square can run on bridgepay.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Hi Evelyn,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Glad to hear of your positive experience with Square’s processing. I contacted Square a couple of months ago about the possibility of a running tab/suspended ticket feature, and they said that they are working on it. That feature would really give the app a great competitive edge versus similar free apps. Not sure about Square’s compatibility with BridgePay, my thought is that it wouldn’t work. Keep us posted with your experiences!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Best,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Sharon Mandy

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        I have been using square with the reader for over a year now, and now to avoid the keyed transactions, i use the square invoice. That way i still receive a swiped rate as well as mitigate the issues of the risk involved with card not present. I personally dont like receiving card payment over the phone anyway. I run a wedding and event rental and decor business and my clients love paying with the square invoice i send them. I have not had any issues at all with square. Even though i process less than $4,000 a month via square as i encourage cash, check and email money transfer a lot and no single transaction over $2,000 yet so i guess am low risk. These having issues can try the square invoicing, works like a charm. Was going to switch to Cosco payment by Evalon with a bit better rate but overall nothing beats having no set up or monthly fee. I was able to pull the report on how much i charged and paid in fees last year within 3 clicks and 3 minutes for these having issues with reporting via the reporting module on dashboard. I also have only done one refund from a mistaken double swipe and no other charge backs so i think i dont raise much red flags. If i ever have an issue with them, i wont hesitate to switch to the Cosco offered gateway though.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Raya Rawashdeh

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          I’m from Jordan in the middle east region, , i need to know where the square used in the middle east and if there are any square clients in Jordan ? i really like and love to have this technology in hand and i’m support it.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Chloe Bahal

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hi Raya,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Unfortunately Square is not supported in the Middle East at this time. You might want to try Instabill.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Robert lafin

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              How you can say there customer service is good or even existent is beyond me! they are holding 9753.11 on one job 5200.00 on another that’s 15000.00 dollars and don’t give me the 90 days bs this is 7 months after the jobs were completed and paid out money was taking from the customers account that day! I have not once got a person on the phone. my BBB complaint is still pending my AG complaint is being looked into. It’s sad that its going to cost me my 4,000.00 retainer for my lawyer to handle this. I hope they get shut down and have to pay back double for all the loses they are incurring on others!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Michelle Morgan

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                I had a craft show last Saturday and was not able to complete all my transactions online due to the room I was in. Someone suggested working offline to check out my customers. I had 11 transactions but only 3 appear on my register. It is now Monday and I don’t want to loose the information from my sales. I am trying to contact Customer Service but am not having good luck getting through. Does anyone know what I should do to save these transactions so they will appear on my register?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Lisa Tamblyn

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This company should be held accountable for not explaining why all these small business accounts are being deactivated with no explanation. I am the most honest person out there and do everything by the book. The account was closed and not one person in this company will tell me why. They have all my money and will not get it for 90 days. I am getting a lawyer and think everyone should do the same for how this goes down….treated like criminals with no explanation why. They cannot get away with this. I have never wanted to sue anyone in my life…but the embarrassment and making me feel like I have done something wrong is cruel…and my funds would have been nice for the kids at xmas. 🙁

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Ed Day

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    I’m semi retired and have small upholstery business. Generally, I take anywhere from 0-3 credit card transactions per month, but mostly my customers pay by check and occasionally by cash. I dumped my “traditional’ credit card processor a couple of months ago, and I think this is probably the best business decision I made in 2014. I got tired of the monthly fees, compliance fee, and looking at monthly statements from them that made me go cross eyed. I like the fact that I know exactly what each transaction costs me. The square is an easy system to learn, even for a low tech guy like me. My largest single transaction was $3500.00. So far, I have had no issues whatsoever.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Gabrielle

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      It’s so disheartening to read this article and the subsequent comments. Our mobile and brick and mortar shop has used square since it’s first month in business and have never had any mentionable issues. We process thousands of dollars per week, we have had bugs but not any more than my computer updates or phone apps. We have never paid more than $250 in fees since we encourage cash and check payments too.The spreadsheets and options for accounting are really useful.I have always received fast response when contacting support.I recommend square daily,Gabrielle Krake

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        We've done in-depth research on each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        luis garcia

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        I decided to sign up for square and based on their advertisments I have basically unlimited amount of transactions I can process. After my third one my account was closed and my funds held for 90 days. Their explanation ” we feel you are a risky customer” I processed cards just like they said to so I dont understand whats so risky. After going back and fourth with them they said they cant help me. So I looked online and found a facebook page aimed at square bad business pratices and it seems they only do this to small business, larger corporations are not affected.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Jeanne Oaks

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Having a bad Square experience. I am a LLC, Success on the move is my registered alias. I got the square so I would have to always be going to the bank.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          With my large weight loss groups swiping 20 to 30 cards was too expensive. It was hard to find a group member who would put it all on their card.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          For my convenience I started telling the group organizers if they would collect the money and buy a gift card to pay with not only would I pay the activation fee but their session would be free.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          It worked great until Square put a hold on my money. If they don’t want me as a customer fine but they need to give my money back!

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Camie Adams

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Did you ever get your money Jeanne? I’m in the same boat, small business contracted with Motor Vehicles and now they’ve held my monies…..

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Karlos

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Tom,I am having a terrible experience with square. They closed my account and told me I have to wait 90 days to see my money.Due to some high risk actions.I don’t know what they are talking about it… I run a small snow plow business and I offer this method of payment for my customers this year.I keep getting emails but not a straight answer .I am sending emails asking to please call me and provide me with a better explanation of why?How can I filled a complaint ?Or speak with a real person . They won’t provide me with a code

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Hi Karlos,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                I’m sorry to hear that you are going through this. I wish there was an easy solution.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                For Square, the protocol is often “shoot first, ask questions never.” If they deem an account or transaction high-risk for whatever reason (it’s unlikely that they will ever explain to you in detail their rationale), then they will pull the plug to minimize the risk. And after they close your account, it’s very difficult – maybe impossible – to get live customer service, as you have already found out.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                My advice to you is, unfortunately, to just wait it out and collect the funds after 90 days. If after 90 days you have still not received the funds, then it will be time to file a formal complaint. Until then, they are following the protocols outlined in the Terms of Service.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                In terms of why this happened, there are many possibilities. Again, you are unlikely to ever get an official answer from Square. But here are some guesses:

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                -Processed a large transaction. (Higher value = higher risk)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                -Keyed-in card info instead of swipe, especially for higher-value transactions. (No swipe = higher risk)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                -Processing above the limits set on you account. (Exceeding limits = grounds for termination)
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                -Processing international cards (International = greater fraud risk)

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Or it could just be that their computers misinterpreted the data from your account and flagged it for termination. Even if this is the case, they will still hold the money for 90 days and there is little that you can do to expedite the process other than provide them with any paperwork they ask for.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Again, I’m sorry to hear that this happened. I know how much of a burden it is for businesses to have to wait three months for funds. If you are interested in another processing option, check out Flint. They have pricing comparable to Square, and they very rarely will hold funds. They also provide live telephone customer service – no “code” necessary – so if a problem does come up you will be able to talk to a real person about it.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Take care,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Karlos

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Tom,Thank you for the response!! It would be nice if they give you more info and why? so you dont make the same mistake with a different company.Thanks for the advice I will check on the company you told me.Thanks again!!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Lisa Tamblyn

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    I am going through the exact same thing. I am the most honest person who does everything by the book.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    They will not give me a straight answer on what I have done.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Considering getting my lawyer involved

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Nate Hauptman

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      I started looking at Square because I am in the process of starting an equipment rental business. My issue is that most of these most of these mobile payment systems seem to by simple point of sale systems.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      I need to be able to charge the customer the rental amount upon pickup, but still have the ability to charge them additional amounts if there is damage upon return or if the equipment is lost or stolen.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      My other viable option would be a system that runs the card upon pickup or online payment and just authorizes the card and then charges the determined amount after the item is returned.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Are these functions available for rental type businesses in a mobile payment application?

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Justin Collins

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Hi Nate, I was wondering if you ever found a way to do your rental business. I’m curious about starting one of my own. I want to rent a bunch of small items, kind of the same idea as RedBox, but not movies. I know they charge you for the entire DVD if you don’t bring it back within 21 days, so there has to be a way to do this. Feel free to email me at collinsjus@gmail.com, maybe we can help each other out.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Many thanks,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Justin

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Hi Justin,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Maybe I can help you with this.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          The ability to charge for unreturned rental merchandise may have more to do with the structure of your Terms of Use or other contractual obligations agreed upon by the renting party than it does with the service provider you choose. There are a few ways you could handle this. What you will definitely need is a payment gateway that allows for card info storage. This way, you will be able to charge the card for unreturned merchandise in accordance with your rental agreement without needing the customer to resubmit the payment information. This will also protect you in case of chargebacks. I’m not aware of any payment systems that create this infrastructure, but with a little creativity and perhaps a freelance developer you could do this without too much difficulty using a service like Braintree Payments or Stripe.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          I haven’t worked with anyone to set up this particular type of system, but it’s certainly doable. It will require some customization on your end though. If I were you I’d look at a company that closely resembles what you’re thinking of doing and use that as a starting template. You should seek qualified legal advice regarding how to set this up. Please note that this is not intended to be legal advice.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Good luck,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Tom

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            We've done in-depth testing of each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Chantell

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hi Tom,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            I have recently taken up the task of helping my father run his cafe of 18yrs. It had definitely run it’s course and he was almost bankrupt and looking to sell before he lost everything. We’ve turned it into a music venue at night/cafe by day and have more than tripled our volume in the last 18 months. The only thing keeping us from making more money is how long it takes to ring a sale or close tabs. We have a terrible old pos that his “buddy” put together. I am on the search for a new, faster pos with multiple stations. He was looking at Square to save money and was intrigued by the ipads. I’m not sure this is the right choice for us and pretty reluctant to use a mobile processor.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Do you have any suggestions on what pos system to go with? We need everything. Hardware too. But since we are just a father/daughter business, we don’t have a lot of money to spend.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Thanks,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Chantell

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Hi Chantell,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Thanks for checking out our reviews! I think we can find a happy medium between your current set up and a mobile service like Square. While there are a ton of businesses out there who have good experiences with Square, there are also a lot of problems with the service so I don’t generally recommend it as a first choice. But I have to say that, dollar for dollar, it’s hard to beat a service that offers a basic iPad POS and basic card processing with no monthly fee. But what you save in monthly fees you can quickly lose to headaches.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Have you checked out Leaf? I like that they offer affordable hardware (but not iPad) and can be used with virtually any credit card processor. This is one of the lower-cost options out there for a full-feature tablet-based POS. Just remember that your merchant account will have fees in addition to the POS. The good news is that if you are happy with your current payment processor, you can probably keep them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Take a look at our other POS reviews if you haven’t already, along with some of our other POS-related resources, and please email me if I can be of any help. I’d also be glad to forward you to someone else from Merchant Maverick who is more of an expert in POS options.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Take care,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Tom

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Greg Edelson

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                This company is a FRAUD. They are keeping $7K of my money for no reason for three months. I sent all my info to them and with many emails to them with not one response I get an email telling me that I am deactivated and that it is permanent with no given reason. Please spread the word about this horrible company. I have also logged a complaint at the BBB and Ripoff Reports. I suggest the same to all those that have been burned by this crappy company.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Hi Alice,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  I’m sorry to hear about the trouble you’ve had, but I can assure you that Square is in no way affiliated with Leaders Merchant Services. In fact, the Square reader is only compatible with Square’s proprietary processing service, which has no monthly/annual fees and can indeed be canceled at any time. Please feel free to email me at tom@merchantmaverick.com if I can help you to choose a different processor.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Best,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Tom

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Mike Johnson

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    I see this 3 party company is still ripping people off and getting away with. I hope the government pop these thieves. When they started this business they started taking the peoples money.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Elie

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Are there any sales tax exposure when using Square and/or PPH?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Hi Elie,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Yes, both Square and PayPal Here, as well as Flint and others, will use your location (assuming location service is enabled on your phone) to calculate the proper sales tax percentage.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        -TD

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Todd Sherman

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Tom……I think you guys are missing the point. I….calculated the sales tax on those sales. THEY…..now hold that sales tax money! THAT IS ILLEGAL!!!!!!!! This company is headed for a “terrible shitstorm!” I also wonder whether or not, these “low level” computer “clerks”, actually receive a bonus for de-activating accounts! Wouldn’t that be something?? But….until someone can actually talk to an employee of the company, all we can do is surmise what is actually going on inside their “cubicles”.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          What these companies are doing is hiding behind “ATT vs. Concepcion”, basically giving these big companies a “license to steal”. Who is actually going to go to Ca. from Ma. to an “Arbitration” hearing for $2, 3, $4 or even $6,000??? The problem is…..It’s not happening to consumers…..but business owners. What other card processing company has an “industry standard” of NO communication…..De-activating accounts with NO NOTICE……Holding funds from LEGALLY made transactions after getting ALL THE INFORMATION ABOUT A BUSINESS THEY ASKED FOR????? NO DISPUTE PROCESS…….And ON AND ON AND ON………..They are committing credit card fraud themselves! They cannot just, make their own rules up as they go along. There are certain state and federal guidelines they have to follow. This company IS going to be “found out”, but NOT before many other small business owners, either suffer or go bankrupt. SQUARE is “bilking” THOUSANDS of dollars…..from THOUSANDS of small business owners! This isn’t just some small amount of money here. This HAS to be in the 10′s of millions. Move over “Bernie”…….You might have a new cell mate(s).

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hi again Todd,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            It is standard practice to withhold the entire transaction(s), including sales tax collected, when funds are held in reserve. This is because the reserve is held in order to protect the processor from loss in case of future chargebacks. If a chargeback occurs, the tax will also have to be refunded. Therefore they hold the tax to ensure they do not have to refund it out of pocket should a chargeback occur. Again, I can’t attest to this from a lawyer’s point of view, but this is how it is done across the board, not just with Square.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            For aggregated accounts, sudden account terminations are very common and often come with no warning and little explaination. This includes companies like Stripe and Balanced Payments, as well as Square and PayPal Here. Communication and account stability are usually better with full-service merchant accounts, but even then sudden account closure and withheld funds are possible depending on the processor’s Risk department.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            And again, I’m not defending this as a good business practice or even a fair protocol. But it’s important to see where Square fits in the bigger picture. If we can help you to find a better and more reliable processor, please send us a message.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Take care,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Tom

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Todd Sherman

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Not only are they holding $6,113.00 from me…..But State Sales Tax on LEGALLY sold goods in the Commonwealth of Ma. I think “their” legal team of “DEWEY, CHEATUM, and HOWE” , missed this little tidbit. My fiscal quarter ended 10/21/14. Sent my “Letter of Demand” in on 10/14/14. Was received by them on the 16th. We’ll see what they say. In the Commonwealth of Ma……If no response is received…….then “their” contract or “USER” agreement is, IN FACT…..null and void! Read the news people! The company is IN TROUBLE! With wide losses and a new round of $150 Million in funding from overseas investors. ALSO……this BIG pool of money being held from ALL of us being “duped” by Square, is supposedly held in an account. NOW……Is this LARGE pool of CASH, (OUR CASH), being used by SQUARE as leverage, to show a better cash position to investors than the company actually has??? My guess is it’s in the 10’s of millions…..judging by the complaints and amounts of money I think they are holding. Of course……That would be a SERIOUS violation of SEC rules. Anyone know what the daily interest rate is, on say…..$10 million dollars in cash!?? OH…..and by the way…….If the card transactions I made are considered “high risk” or fraudulent…..Then why did SQUARE extract their own fees….like IMMEDIATELY? Think about how Jack Dorsey portrays himself in interviews. This seemingly soft spoken…..meek…..6′ 4” gentle giant. Wolf in sheep’s clothing I say! We need to act fast here, as this has been going on for years. Only now, MORE AND MORE business owners are being taken by these devious tactics of this company! It seems to be a pattern. Most of what I see are the transactions between $1,000 and $10,000 are most at risk. I just cannot believe that “class action” hasn’t been filed yet? Think about the “trickle” effect of these funds being held for NO good reason…….Small businesses file bankruptcy…..THEIR employees are now out of work. Larger suppliers of these companies cannot get their funds…..so they take a loss. In my case…….which I was able to cover the funds being held, (but some businesses just cannot and NEVER recover), 4 other people would have lost their jobs! I provide a MUCH needed, and “highly specialized”, service to Western Massachusetts. If my business didn’t survive this “theft”, there would be literally hundreds of customers without use of their heating appliances this winter! Anyone who wants to go “CLASS ACTION”…. Contact me at TMS PELLET STOVE SERVICES….90 East Housatonic St. Dalton Ma. 01226 1-413-684-4590………..PS HEY SQUARE TEAM……..You can also call me, and actually see that “I” am a LEGALLY RECOGNIZED BUSINESS IN THE COMMONWEALTH OF MASSACHUSETTS. :-)>

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                KD-BAR Trucking

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Rude, rude, rude & unprofessional!! Spent 21 minutes on hold only to have the customer service representative hang up on me when I asked to speak to a supervisor! Called back only to spend 32 minutes on hold for a supervisor. He was rude & offered no apologies for the long hold times or being hung up on. Then to top it off I got an email a few hours later stating that my funds would not be released until the account was verified! The account had previously been verified! Really suspicious especially after calling a few hours before to complain… So I jump through all their hoops AGAINZ to be told that my funds would not be released for at least three days. In the meantime my husband has been stranded halfway across the country for 2 days now with no money for food, gas, or hotels! These people hold your funds hostage after charging a huge processing fee! STAY AWAY FROM THIS COMPANY IT IS A SCAM & THE WILL HOLD YOUR MONEY HOSTAGE!!!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Carol Rogala

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  I had used them several times as a customer and originally had no problems, but suddenly they started sending receipts to my husband. HIs email was not hooked up to the bank accounts and he had not used square as far as we could remember, so I was alarmed. All they did was send us emails with links to articles. She wrote me numerous times, instead of just getting on the phone and fixing the problem. I’m very concerned as to why I would swipe a card and my husband would get an email. What other info do they have that they are mismanaging?

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Eric Bowens

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Well I have been searching for a cheap POS system and support with no credit check since I am a first time business operator with less then 2yrs history to do a lease agreement… but thanks to all of the comments that I read I will not be using Square and it look so tempting.. Thanks to all the people that took the time to let a newbie know which company to stay away from

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Gary Jackson

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      After reading some of the reviews, I was reluctant to sign up with Square. However, oneof the most respected craft brewerys, a fellow winery and Starbucks use of the product prompted me to reconsider and contact them. No more than fifteen minutes after my call, Kristi from Square called me and answered all of my questions with courtesy andeffeciency. She gave me her company phone number and said to call anytime I had aquestion. I am signing up tomorrow!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Carol Rogala

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        So what is the number and why don’t they have it on the website?

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Hannah G.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Man…after $2500 was held from my account after a few large deposits, I found this site and y’all scared the crap out of me.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          I’m not even a business owner; I actually was purchasing equipment at my own expense for trainees, and used Square to collect reimbursement–there was no mark up and no profit–just a straight reimbursement. Luckily, I will be with my cardholders in a conference for two more days and will have an opportunity to get another form of payment from them…I got so scared about losing what amounts to a month’s salary that I immediately processed a few large refunds and was able to successfully back myself out of all of the charges so that there is nothing pending for deposit anymore. As soon as I know the cardholders got their refunds, I’m cancelling the hell out of this account. No more Square for me (though, like some other son here, I really liked it, until this went down. )

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          So disappointing.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Justin Sanders

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            This company is terrible! No phone support. I had $2000.00 tied up for almost 2 weeks, I had to issue a refund because I made a typo and the wrong email was applied. This could have been a quick fix; however, account services never contacted me! The email that was wrong they kept email that one! I told customer support to have them send it to a different email and this never happened. Don’t use square for large transactions. I used it for a smaller one and it went through just fine.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Dale Fieseler

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              SQUARE is the biggest scam out there. They canceled my account saying I was doing high risk (illegal) traNSACTIONS. I am a TRAVEL Agency, fully licensed, and Insuired ( E&O and Liability). I have been in the travel business for 11 years, on a routine transaction the funds where held for 6 days when they canceled my account. I do not recommend this scam company to anyone. they will burn you. Oh you never get to talk to people they don’t allow phone calls. Stay with the banks, I wish I would have.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Connie Crowley

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                The set up was easy, overall experience awful. Square requested information about my business and products which I provided. They encouraged verified my bank account and encouraged transactions. Two days after the second transaction they held all my funds for both sales for 90 days and deactivated my account. There is absolutely no phone support available if your account is deactivated. I request to speak to a representative daily and the response is always “Sorry, that is not possible”. They also give no reason for the action, as state section 42 of merchant agreement they don’t have to give a reason. Do you really think you can operate a business with no phone support or representative access? I would like to give negative stars to this company.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  angelica amato

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  I believe square is so full of “crap” as of 1 yr. And 2 weeks today 9/18/2014. Square has yet to deposit my 13,600.00 and or refund to my customer .they give numerous excuses to my customer of why they can release the funds to either he of my self the business owner ..bull crap..I’ve contacted the district atty. Social media and television to bring these scam artist down …clicks ticking …they have passed so many of by deactivating our accts. And say high risk fraud bullshit to use our money to make money …bull crap …The man upstairs watches all things and karma .Don’t be giving me crap that it is a good company to do business with because it’s not ….

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Connie Crowley

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    My experience was similar. They have now had my $6,200 for over 30 days. They give no reason “for security reasons” and repeated requests to speak to a representative are answered “Sorry, that is not possible”. This is very hurtful to small businesses. We need to get the word out, stay strong.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      We've done in-depth research on each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Corky Barder

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Square has got to be the biggest joke in the industry. We signed up for square when they first hit the market and had no problems up until last month. I had received an email from them about updating my reader and since my business only processes cards a few times a year in the fall, I didn’t to it immediately. Two weeks ago, I signed into my account, and the account was noted that it was permanently deactivated. I searched my emails to see if I had received anything from them and I had not, other than the notices to upgrade my reader. Since they have ZERO phone support, I was left with sending them an email as to why my account was deactivated. I received a reply from that I was running an illegal business and according to their terms, there service was not to be used for gambling or betting and that their decision was final and the deactivation of the account could not be reversed. I was floored, I responded back to them that I didn’t run an illegal business, that my business did not involve gambling or betting. That I had been in business for 12 years and had used their company for 4 years and asked them how they came to their conclusion, and since I was being accused, by them, of running an illegal business that I should be able to know how they came to this conclusion and why had I never received notice that my account had been deactivated. They responded back to me that by the terms with M/C & Visa, they didn’t have to disclose anything period. I’m one of the lucky ones, as I didn’t have any funds pending, for if I had, they could hold my funds for 90 days. I have filed a complaint with the BBB and apparently square is not communicating with them either. I will admit that when I was using square, I was very happy with it, but just to leave me high and dry with no notice, or explanation is totally unacceptable.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Dan D

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Based on comments, I see most people have issues with Square holding up the $$$ in case of larger transactions ($5000+). Is that a case for a small business like a coffee shop where an average sale is between $4-$10, with no more than $1,000 in gross daily sales.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Hi Dan,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Smaller average ticket value along with 100% swiped transactions (not keyed-in) will generally produce the most reliable results with Square (and most other processors really). Large transactions and transactions where the card was not swiped carry the greatest risk, and are thus most prone to trigger a red flag. So while there is never a guarantee (since things can go wrong even with small transactions, like if a customer doesn’t recognize the charge and initiates a chargeback, or if a charge ends up being fraudulent), a small business like a coffee shop will be much, much, much more secure than a business selling more expensive items.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          -Tom

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Ken Halverson

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Square is a complete scam and rip off. I’m a small sole proprietor and relied on square. Big mistake. I file taxes for a living. I charged a few clients. And they are keeping my 2600 and terminated my account. There is no support. They asked me for my license. I provided them bank statements and license and invoice for my clients they still shut me down. And keeping my money. No way to talk to a live person. DO. NOT USE THEM YOU WILL BE SORRY WITH NO MONEY AND JUST STRESSED. I have emailed them but no response. Now when I go into my account. It says I’m terminated. And no money deposited into my bank. I’m going to file a police report since they stole my money and no response. The money is out of my clients bank account.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Hi Ken,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              I know how completely frustrating this is. We hear the same thing from a lot of Square users. Unfortunately, Square is within the scope of the law in this case. If you read their User Agreement, you will find that they reserve the right to withhold funds if they believe there is a risk that the transactions may be problematic. Specifically, see sections “19. Reserve” and “28. Our Collection Rights for Chargebacks.”

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              The good news is that I can almost definitely tell you that Square will give you your money back, or will refund it to your clients in order to have them pay you with a different method. The bad news is that it could take quite a while, between two and six months in some cases.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              I’m sorry that you have to deal with this enormous headache. I hope you’ll take a look at our favorite mobile processor Flint if you would like to find a different, more reliable payments solution.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Good luck, and keep us posted.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              -Tom

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Todd Sherman

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Actually….Tom……Square IS NOT within the scope of the law. Just because “They” make up their own rules with a USER AGREEMENT, doesn’t make it legal. I cited, in my “Demand Letter”…..several laws and statutes they violated in Ma. as regards to “Fair Trade and Business Practices”. California laws DO NOT APPLY here, as my transactions were solely done in Ma. Besides the fact that they hold Ma. state sales tax on these goods. This can be “construed” as “hurting The Commonwealth” as stated in one law. Only “they” may not think so. This companies “reign of terror” may be coming to an end shortly. There are TOO many people that have been ripped off. I know the government is slow in working……but they cannot dismiss what is happening with this Co. forever!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Hi Todd,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Of course I am not an expert in Massachusetts law, or any law for that matter, but I can tell you that Square’s practices are basically industry-standard – meaning that it’s the entire payment processing industry potentially breaking the law, not just Square. My opinion is that, while perhaps a case could be made in some states, Square’s legal team – based on legal precedents set within the industry at large – deemed it not a strong enough case to adjust their practices.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Don’t get me wrong. I’d love to see these harmful protocols done away with. But unless the entire user agreement is to be dismissed we also have to consider that users have waived their rights to class-action suits by agreeing to use the service, as outlined in section 51.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Please keep us updated on your progress. I’ll be hoping for the best result possible for you and your business.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Best,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Tom

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Demi

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Been using them for 5 years for my business with over 300K in transactions. No issues. Fast calls, responses and emails.They aren’t perfect, but trust me, there are far far worst credit processing companies out there and this is among the good ones. Fraud. If you get a fraudulent transaction, there are no companies which will just be on your side. It all requires a lot of “detective” work. Since they are just a processing company, they just do what Credit card companies do. If someone files for a chargeback, they just have to give in. There’s very little protection from ANY processing companies.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Connie Crowley

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Fraud charges are a hassle any way you look at it. The difference between a reliable company and Square is that most processors inform you of a disputed charge or questionable charge and let you know which specific transaction is at issue. Square gives no information, NONE. You may never know where the issue lies, by the time you get your other funds deposited (at least 3 months), it is often too late to find the customer and go back and resolve an issue. Square is NOT a reputable company to do business with.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Connie Crowley

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        I began my business with Square because of the ease and simplicity of start up. After 2 $3,000 sales my account was deactivated and the funds held for 90 days. The problem with square is there is no explanation: “Due to security purposes, merchants are not informed which of the conditions they have violated.” – See more at: http://www.bbb.org/greater-san-francisco/business-reviews/credit-card-merchant-services/square-in-san-francisco-ca-370609/complaints#sthash.6vQh2IKn.dpuf“. There is also no customer service and virtually no vehicle to contact a representative to discuss any situation whatsoever!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          JMG

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          This just happened to me! I can’t get a hold of anyone, no one is explaining to me why my account was deactivated and they’re holding my money. I am a self employed delivery man and one of my customers suggested I sign up with them to make things easier when it comes to payments with credit cards. I just used them once and they deactivated my account. Has anyone been able to get an answer from them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            We've done in-depth testing of each and confidently recommend them.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Ken

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            How do you find your customer number so you can speak to a customer care agent?

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Raelene

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Thank you for a honest, in-depth look at Square. Very Very helpful!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Sammy Brown

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                This is by far the sorriest company I’ve ever done business with. They are holding 8900.00 of my money for no reason and have closed my account for NO reason.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Read # 42 of there terms and it says they can close you down for no reason and hold your money.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  sam

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  I’m wondering if you can use a square stand with other POS software.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Is the hardware compatible with other software?

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Hi Sam,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Unfortunately the Square stand will only work with Square’s app and processing.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    TD

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Joseph

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Thank you for your review it was very helpful

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      5

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Square Customer

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        I tested square out with 1 client and thought they would be a great addition with the market place. They did a verification which I understand so I filled it all out and sent it to them. Even legal papers proving my company and in the other notes I even put. “Testing out square for our company with 1-2 clients if they integration with quickbooks goes great we will will use it for more.Next day BAM account deactivated and I could no longer use it. WTF Because I’m High Risk? All the time it took to setup everything down the drain…Guess what’s even worse? They keep whatever is in your account for 90 Days! It’s embarrassing to have to issue a refund and then meet the customer again. What if you shipped orders? You have to wait 90 days (and they still take the fee) for the money?They can shut down your company overnight and they have NO PHONE SUPPORT!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Isaiah Bollinger

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          This company facilitates fraud. I received a 450 dollar fraudulent charge from a cab through the Square payment gateway. I am investigating this with the police because I have a name from the card payment that matches up with a taxi driver. Square gives me no information so I just have the name to go off of. The bank sided with him because he has a receipt after he manipulated the device to have a different number than the taxi meter. It is illegal to use Square in Boston said the police officer I spoke to. Square should be help more accountable for this. You should not be allowed to have a merchant account with no information… I bet a lot of their merchants commit fraud regularly.They literally gave me no information on this transaction after I emailed them a bunch of times.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            JP

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            “It is illegal to use Square in Boston said the police officer I spoke to”

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Actual citation needed. “He-said” is not going to work for that type of accusation.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Thank you.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              C Young

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Square is holding our funds and putting a hurt on our relationship with customers and our business. After more than a year of transactions with no problems, Square suddenly decided it needed more information before it could send our 2,000 dollar payment to our bank account. I sent Square all the information they requested and what I received was a cancellation notice, because of “high risk” business, without an explanation as to why. Square is holding $2,000 dollars even after we refunded the customer!!CAVEAT EMPTOR! We were planning a future of sales and business, and this was blue ice to us; No warning, and now we must fix this. Thanks for nothing you bozos! We Cannot Recommend them, and certainly will not use any future product or serviceconnected to them. Bad Business, and they deserve The “D” rating that has been givento them.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Debbie

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                no rating Horrified.. I was completely shut down. I am a new online business. I received 4-5 very large orders all overseas.. They all have paid me and now I cannot access any of my funds to pay the shipping fees… I need my $ What kind of company shuts you down just because you have products that customers want and have paid for I want answers!!!!!

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  tommycall

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  They make it so easy to sign up that few read the agreement or believe they would actually be able to indiscriminately holds funds for what ever reason they see fit for as long as they deem necessary without any means to communicate with them.The agreement makes them bullet proof, that is why we have not seen a class action law suit again them.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  I am now using Swipe, great support customer service, you call they call you back, they tell what perimeters of your account would cause a “high risk” hold of funds. Also they offer both a Merchant account and a aggravate accounts, Square only has the aggravate account system.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  My wife had 5,000 “pending for over a month, 5 emails to square and not one reply. Pretty scarey with no recourse other than to file a complaint to the BBB in San Francisco Fortunately we had relationships with our customers were able to refund them and they paid up by other means. The only thing that see to work with square is the refund policy.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  What a night mare doing buisnes with them. We feel like fools.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    Bryan Frx

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    i ran 3 transactions total $2500. no problem. next day i get email daying my account was closed. because my company name weeding and more . a landscape company.
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    so i reapllied fix the issue. said i was approved. ran 3 cc total $1100. i didnt get the confirmation email or and thing. money was pulled from my account and customers.should be in.my account tomorrow am. i found numbers and addresses.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      judys piano service

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Square wouldn’t line up with my bank tried to get customer service, the response was don’t expect a response, they were right I got no response. I spoke with my bank manager to see if it was something on my end, the banks end. Bank said Do Not Use Square. People lost money or held for super long time. And worst of ZERO CUSTOMER SUPPORT. I’m in a service type business, YOU NEED GOOD CUSTOMER SERVICE, IF NOT CUSTOMERS GO ELSEWHERE.

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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Arrow Air

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Square did not tell us that if we had a swipe over 2,500.00 that they would take the money and place a hold on it for 90 days and then it comes up for review again and could then again be held an additional 90 days. Our client had to cancel the card so that she could pay us for our services rendered. What an inconvenience this was for our client and us a new small business. Run from them as fast as you can. They took 3450.00 from us to hold for up to 180 days. That cannot happen to a young co and expect to advance. All of your reputable local banks offer the same service at a REASONABLE RATE

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          heather

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          We are a small art gallery with original items to sell and it is important to note that the Square does not support making your own barcodes or having a company make your bar codes. The barcodes have to be the international ones that already come on products.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          Secondly they are saying that a Motorola Symbol LS2208 barcode scanner is compatible. This scanner s $100. Not sure of the quality as it doesn’t work with our self-made barcodes.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          They NOW have a phone number for support. The people were awesome. It’s right on their web page.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Tom DeSimone

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Hi Heather,

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Thanks for the comment! Can you show me were Square lists a phone support number? I don’t see it.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Thanks again,
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            Tom

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              This comment refers to an earlier version of this review and may be outdated.

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              Connie Crowley
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              <