Author Archives: Tom Ballard
Author Archives: Tom Ballard
I am so upset at square and I WILL NEVER USE THEM AGAIN…I WOULD ADVISE THAT YOU DO NOT AS WELL. They will do great then one day when you need it they will mess you over and any savings you would have got you can wave by by !! They are an aweful company and I hope they go out of business very soon. GO quickbooks. I would rather pay a little more for someone who will answer the phone..and oh yeah who has a phone number..BE WARE DO NOT USE SQUARE. I will go on every site I can to let eveyone know.
I don’t even have a Square account and they claim they are going to take money out of my account. You can’t even call the company and resolve the matter. I have tried to e-mail them also. I guess if money comes out of my account, I will be talking to a lawyer.
Our Take: Although this fine print seems too good to be true, look again at the per-swipe or key-in transaction rate. That rate covers a lot of territory, especially the risk that Square takes in accepting entrepreneurial spirits into its folds. In previous years, just about anyone could sign up for a Square Reader and an account. Now, Square at least asks for the last four digits of your Social Security number. In the fine print, you learn that you – as a Square user – may receive an unexpected visit from Square staff to make sure you’re legit if you own a brick-and-mortar establishment.
Great idea BUT: This is a product designed by people who might be good at tech stuff but seem to never have run or owned a business, do not appear to know retail and what information one is looking for when running a retail business, have no clue about good customer interface. It is complicated and absolutely NOT INTUITIVE nor in keeping with established norms of organizing sales, customer, inventory and other vital data. GET SOME PEOPLE WITH REAL WORK EXPERIENCE IN THE FIELDS YOU ARE TRYING TO SERVICE onto your product development team. Seriously.
William, Yes, go right away to your customer hand have them cancel the transaction. This same thing happened to me with a $7000 transaction for flooring. My client cancelled the charges and I went to his bank and signed a letter stating that I was not going to dispute the action. In fact his banker told me that they have had problems with Square customers before. Once the transaction was cancelled, I had to go to my bank and (unfortunately) had to close my business account and reopen with a new account number. This was somewhat of an inconvenience but worth it in the long run. If you don’t do this Square will still keep a large percentage of your transaction even if you cancelled the transaction.
The same app for locations allows my customers to pay through the app, see our menu (not order from the app just view the menu), but my customers can start a tab from there app and on my iPad register I can see who has tabs open and close there tab when they are finished.
I have a billing problem – the invoicing function isn’t working correctly – and to call Square you have to have a customer code, but there is no way to get one; all links send you to a generic online help, and none of the topics is the customer code. HORRIBLE.
e-Invoicing: Manage invoices in-app or online. Invoices can be saved or sent immediately. It’s a basic system, but wholly functional and should cover most of your needs. You can even set up recurring invoices with Card on File.
I have had the Square about a year and have never got the chance o use it. I now have a charge of over 85.00 on SQ CATS I’m having it taken off at my bank. Cannot find a contact number to speak with anyone. Very aggravated.
I just called Square at 415-375-3176 and got right through to a customer service rep who was very knowledgable. This is the second time I have called and have gotten through both times. I have had no problems with their service, I just wanted to ask questions to be sure that I understood what I have read.
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.
Given the transaction size, I would not wholeheartedly recommend any of the mobile-specific processors. I’d recommend that you sign up with either Helcim ($12 per month, no commitment, no minimums) or CDGcommerece ($10 per month, no commitment, no minimums). Both offer mobile processing capabilities. CDGcommerce currently has a promotion running that will give you 50% off the monthly fee ($5 instead of $10) for the life of the account if you sign up with promo code MERCHMAV. Check both out and see what you think.
As Part of QuickBooks Payments – You can add GoPayment mobile processing to QuickBooks’ complete credit card processing service, called QuickBooks Payments. With this option, you can get lower processing rates than GoPayment’s standalone fees, based on your overall charge volume.
Important Question: What about open invoices? How do these platforms handle open invoices? For example, if a client pays 50% down at time of sale and the balance upon completion of project a week later, how would this be handled? I have a web development company, we make websites for clients and manage their newsletter campaigns. When one of our sales reps meets with a client, we would like to take a 50% deposit, then collect the balance once the work is done (about a week to 2 weeks later). I know there is no “partial payment” option on the PayPal platform, so… would you just make 2 invoices – one for the deposit, one for the balance? But then: that would never show your open invoices or accounts receivable. This must be an important issue facing many companies. I’m so surprised it’s been overlooked.
They took out their percent right away. I manually put credit card in but can’t understand why I would have to wait this long. They are slow and unresponsive to email support. When dealing with finances you should never have email support only.
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.
Debit cards with PINs are lower risk than credit cards, so they typically have a lower interchange rate. And rewards cards (travel, triple points, etc.) and business cards typically have have higher interchange rates.
i hve used Square for several months and have had no problems. In Florida we have seasonal sales from November thru April. With the old companies we had to pay fees each month we were not doing business that amounted to about $70 per month for a wireless terminal. By the time we paid wireless access fees, batch fees, non-qualified card rates, high rates for American Express, etc; we were paying much more than the quoted rate of 1.69%. The 2.75% across the board rate for swiped transactions from Square computes as a better deal and since we sell at Craft Shows it is much more convienient than carrying a bulky wireless machine. Also, since the customer is right in front of us swiping a card is not a problem. We also get our money deposited so it is normally available the next buisiness day for transactions done before 3 pm est.
All of the credit cards in your wallet have an interchange rate attached to them. Square is paying that rate, but they are charging you 2.75% whether the actual interchange rate is higher or lower. When I look in my own wallet I see 2 cards. My Bank of America debit card has a rate of .05% and $0.22 and my Amazon Rewards card is 1.65% and $0.10. If I purchase something with my Amazon card and the merchant is using Square, the merchant pays 2.75% and Square keeps the difference (just over 1%). Reading through Square’s earnings report, they said that their average profit per transaction was 1.01%, so the example above sounds about average.
Square is definitely on the right track with providing an easy credit card processing solution with no long-term commitments and no monthly fees. The service is proving to have some major drawbacks for higher volume merchants, though, because of murky fund holding policies and poor customer support. It appears that Square is best suited for individuals who have an occasional need to accept a credit card payment, such as babysitters and flea market vendors. The service does not appear to be a good fit for merchants that either have a high volume of credit card sales or that sell high-ticket items.
I went to their website and is not even a phone number to call. I just want to find why should i switch to Square from my merchantaccount with intuit. Square will go down the drain like ETSY or other ‘ nothing special to offer’ companies. Square will not succeed as a company.
Yes their customer service sucks, scratch that, pretty much non existent. No live people, no phone number and the one that did work was shut down, no way to void a transaction, and no real way to deal with charge backs. Emailing seems futile and can be time consuming something I am sure none of your customers want especially mine.
Molly K. McLaughlin is a New York-based writer and editor with more than a decade of experience covering technology. She has tested and reviewed all sorts of software, mobile apps, and gadgets. Before launching her freelance business, she was an editor at PC Magazine, covering consumer electronics, followed by a stint at ConsumerSearch.com, a revie… See Full Bio
When considering complaint information, please take into account the company’s size and volume of transactions, and understand that the nature of complaints and a firm’s responses to them are often more important than the number of complaints.
In my experience with most of the companies I’ve had interactions with, I think ultimately it depends on your attitude, and the person who you actually speak to (via e-mail or phone) when discussing your issue/concern/problem.
Hello before you get involved with square try to educate yourself about them as much as possible they let you charge all your clients and then never make the into your bank account!! Then after you have that problem you literally can NOT get ahold of them by phone because the number never works!! you even try emailing them and they dont respond!! So before they steal your hard earned money in front of your eyes read up on them as much as possible!!
The card reader does not seem to be reading during the swipes, I must have tried 30 times with one of my cards to test it, then tried another card and after the 14th swipe it read the strip. I tried the second reader that I had ordered to give to my daughter for her little business, to see if a different reader would work better. Nope, not really.
I like how Square gets an authorization BEFORE you hand the device over to the customer for signature. As opposed to PPH, you swipe the card then it goes to the signature screen. So with PPH its in the hands of the customer when the authorization goes through. I like to see the approval or disapproval first. Even though signatures are not required on amounts under $25, I like to always get one.
Contracted a property inspection, and a kitchen remodel. Square is holding 3500.00 dollars after deactivating my new account for risky banking practices. Client is angry that I cannot complete contract without payment. Square is the risky banking practice
Initially, we strived to only recommend credit card processors that took less than 3 percent of each transaction across low-, mid-, and high-price items, but we learned that how the bottom line plays out varies too greatly from business to business.
I signed up for the card reader on June 19th. I was able to track the package to the post office the next day through UPS. Once it was delivered to the post office there is no way to track my device. I still have not received it and it is the 28th. Being Naive, I went to the square website to try to complain or at least contact someone to help with the problem. There is no telephone number or e-mail address anywhere that I could find. I need this device for a July 4th event so I am very frustrated to say the least. I’m not sure I should use the device if the other problems stated above are prevalent.
Check out our new video to learn why Goldenvoice and Best Beverage Catering (BBC) both use Square for their events and festivals. Goldenvoice produces festivals including Coachella, Stagecoach, and Panorama. BBC has a 25-year history of running the highest-grossing and most comprehensive festival concessions programs in the U.S.
I do not have a Square Account, but a couple of months ago I began receiving emails from Square with captions like “Account Canceled.” I ignored them (did not open them) and marked them as spam. Since I don’t have a Square account, I could care less if it has been canceled. Yet the emails have continued to come, not in my spam folder, and the captions continue to warn about account deactivation, but some of them (e.g., today’s) concern “Payment Receipt.” I have no idea how Square, or an imposter, got my email address since it is a dedicated address. An internet search has not turned up any similar complaints about Square, so I am beginning to think someone may have set up an account under my address. Any suggestions how to get this to stop?
It offers inventory management capabilities with the option to create and submit purchase orders to vendors, as well as track or transfer items between multiple locations. You can create customer profiles to keep track of purchase history, add notes about customer preferences, group customers into categories, and create targeted marketing for different customers.
The combination NFC/EMV reader is approximately 2.5″ x 2.5″ square, and can be charged and then connected wirelessly, or plugged in to the Square Stand using a USB hub. The NFC/EMV combo reader also comes with a traditional magnetic stripe reader to allow you to accept older magnetic stripe credit cards.
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!
I am brand new to Square, so excuse my freshman question. If a customer wants a receipt e-mailed to them, can I get a copy of their e-mail address for my customer service records/follow up thank you note/etc.? Thanks
Same situación, it just happen to me and it was only 5k transaction, they asked for all the documents and them only 2k on the account, it’s been more than 10 days and NO RESPONSE. Does anyone has a phone number where they can be reach? Definitely I won’t be using their services any longer.
Hello Shaun, same situation. Operate a legitimate auto repair shop and second transaction was held. We all need to use the blow em up approach so this doesn’t happen. If they think I/we are high risk, don’t process any more cards, but to without payment isn’t right! Please send me the number and extension so I can get my money deposited. Thanks
Two days later I received an email from the Square risk department asking for details of the transaction since I was a first time user. I appreciated that they were doing their due diligence to protect the company and other users, so I explained the situation again and referred back to my previous inquiry which resulted in my payout status being accelerated. Our full cooperation was offered along with my personal number for contact if needed.
I don’t know how it is don’t there, but here we split the meter and gas. I take there money out of my half and give it to them, square puts the money from the charge in my account. the cab company has nothing to do with my card charge, that is on me. I just make sure all the money they are due, gets to them when the money is turned in. Here we are all independent cab drivers. I hope this answer your question.
My take is that Apple stuff and apps for Apple are fine for consumers but aren’t up to real-world use. So if you want to play “shop” in your bedroom this is fine; otherwise look for a grown-up POS and related hardware.
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!
To make a transaction, enter the price of the item you’re selling. Then, swipe the credit card through the reader smoothly and quickly, keeping the card parallel to the reader and the magnetic strip against the reader’s thickest part. If swiping fails or the card is too worn you can type in the card information.
Assessment fees are different from interchange fees in that they’re charged based on total monthly sales and not individual transactions. They’re typically lower than interchange fees. But the how much you pay in assessment fees varies by network and depends on things like whether the cards used were credit or debit, transaction volume, and whether foreign transactions were processed.
With a lot of attractive features, there are still some less than glamorous sides of using Square. As a new business owner, having a real customer service representative assigned to your business can be extremely helpful. Square does not offer extensive customer service and merchants can be left to problem solve issues on their own. Plus, if you are a high volume business, for example, a coffee shop, the rates offered by Square lose their appeal compared to a more traditional merchant service provider.
I love using square to process our credit cards , as long as you know there terms it works great ! I usually have my funds the next day! I used a major credit card company before for processing and was always charged a crazy rate and then a monthly rate as well, with square I know what I am looking at! Just wish they had a call center for customer service but I have only needed to call them once for a question I was able to find in the support page!!!
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.
Make sure you’re processing an accepted card and that you’re swiping the card smoothly through the reader track. You can also try troubleshooting the reader for Contactless and Chip. Keep in mind transactions must be at least $1.00.
With either plan, you’ll still have to run some numbers to understand what you’re signing up for. But the numbers are all there and available for you to examine, compared to the mystery abyss that is tiered pricing.
I sit back and I read all the complaints that people are having and I’m saying B.S.!!!! I have been using Square now for a year and a few months and have had zero problems. I have not experienced a non-swipe $1000.00 Plus transaction so If for someone reason people are having problems with that area than just make sure you swipe the card! I can honestly say that my biggest swipe was $12,300 with no problems. I swiped on a Monday and had funds in account before Tuesday 6am!!!! I first receive an option to send an instant receipt. It records my destination where the swipe took place. I can take a picture and match it up along with the transactions. It tells you right away that square has charged their account. Just so you people all know that it really depends on your bank and how long they get to their deposits!! FYI Bank of America works like this. If All of my square swiped transactions are done before 8:00pm than All of my money will be their the.next morning usually around 6 am.. It works.. The people who have problems I wish you better luck and you also might want to check you local and state banking laws because that could be a Reason as well. Some banks without you even knowing it will have security limits on purchases and withdraws. So when they see a big transaction they accept the purchase but wait for the funds to be verified. Any questions send to email.
For a physical store front, you will likely want to go with a traditional merchant account, since Square imposes limitations on your transactions that wouldn’t be imposed if you had a traditional merchant account.
I received a call from a customer, that her CC was tapped 5 times the one transaction, amounting to $2500 total. I was appalled….since I received none of the $$$$$. Square will not answer my question as to why they continued to charge even one amount, when it did not show up on mine and why they put through any amount to a customer bank. It may be terminology–lack of direct phone support—whatever it is, I would like to know if ALL “Declined” cards transactions are still forwarded to the bank as though they are BonaFide charges. Square is telling me that one of more of the “numbers” was keyed in wrong……If so , why was my customer charged 5 times????? I will print all of the correspondence I have had with Square, and forward it on to my customer…..to clear my name of trying to commit fraud. Bottom Line: as of this date, I have not received any money and my customer needed to DC her CC account and create a new CC account, causing great inconvenience.
While Dharma Merchant Services does the bulk of its work in the retail and commercial sector, it has a strong niche in nonprofit transactions — which are booming especially via online donations. Dharma, a B Corporation with subscriptions for $15 a month, offers reduced nonprofit rates. Like Payment Depot, Dharma doesn’t offer one lump rate for all transactions, so your ultimate costs would depend on each credit card’s interchange rate, which can vary upward of 2 percentage points depending on the card. For nonprofits, Dharma charges 0.20 percent + 10 cents + interchange for storefront operations; online it’s 0.30 percent + 15 cents + interchange. PayPal, by contrast, has a flat nonprofit fee of 2.2 percent + 30 cents that’s constant despite interchange fees.
The question comes down to costs. An EMV-compliant chip reader from Square will cost you just $30; you can get NFC capabilities and EMV for $49. That doesn’t include a receipt printer (an additional $200-300 expense) a tablet stand (the cost varies), or a cash drawer (cost varies). For reference, Square’s ready-made retail kits will run you anywhere from $400 to $600+, not counting a tablet. However, the list of supported equipment is quite small, especially when compared with the options a merchant account offers. (Check out the lists for Android devices, iPads, and iPhones, respectively.)
Horrible experience. I am a small business owner who makes handmade scarves. I only sell at these big sustainable events. I was at the Green Festival event in New York. A customer, named Maria came in when it was shutting down, negotiated hard with me and brought a bunch of scarves, The amount came to $250.41. She disputed the charge. I have a SIGNED RECEIPT. Square is supposed to cover me for $250. The didn’t. They said because the transaction went over by .41 cents, they cannot cover part payment. The customer planned this of course. I have a signature and she disputed it. What kind of a bank does refuse a signature receipt??? Please stay away from Square. Pretty pathetic customer service too.
This is a free feature in Square POS, which allows you to open a private feedback and two-way communication channel with your customers. It’s activated via digital receipts to make it easy for customers to leave private feedback any time.
Traditional processors must be scared to death as their con is finally coming to an end. Square and its’ current competitors will be joined by many similar processors. All will have to become less expensive and more efficient to survive.
DO NOT use this company! I used the card to sell my puppies and suddenly they decided in order for me to get my $850 (actually $820 after fees) I had to send them my government issued ID, last 3 bank statements, and an invoice of the sale. I was hesitant but they said they will not release my funds if didn’t comply, so I did. They then wrote my an email and said I was deemed “high risk” so they terminated my account and they was going to hold my $820 for sixty days and then I could have it or I could choose to refund the money to the buyer of my puppy, which I did. Now have have to depend on the buyers honesty, or I am out $850. I called and asked to speak to a supervisor and the person on the line said that there was no supervisor availble to talk to me.
The majority of the complaints are yes, charge backs it seems but there is also the oops I forgot to validate my bank account, and the $1000 rolling 7 day immediate deposit limit for card not present transactions. But everything and all the instructions are there. I have not had any issues with charge backs but I strictly I follow the steps I outlined for Trinity on how to avoid charge backs – my results – 2 year / 0 Charge backs (crosses fingers).
My account was placed in a “Review Status” after I completed a 26K single CC transaction. Square requested that I submit various financial data on two occasions this past week. I complied on the dates of the request. I have received NO follow-up emails or any communication from Square. I have sent ten emails to Square (non)Support of which not one has been answered. This is bordering on criminal.
I’m not litigious, but even if I was, they broke no laws. They’re allowed to cancel any account they want and they aren’t *obligated* to fight chargebacks. It’s just a really poor way to run a business.
Thanks for the article. Great discussion. I do small craft shows and I was looking for a review of both products. I think I will get PayPal because of the phone support it gives as well as other features. Talking to a real person is important to me when something goes wrong, especially when I first start to use it. Also, I don’t mind the 2-3 day wait, however, the debit card does sound attractive.
…one of our clients needed ~$12,000 in equipment yesterday (December 4) recover from a fire that has shut their business down until this equipment is replaced, and after approving the transactions where they intended to hold the funds could be held for three days even if we decided to reverse the charges, SquareUp sent us a permanent cancellation email with no explanation.
Not all services have monthly fees; the ones that do range from as low as $9 to as high as $199. (Typically a higher fee either pays for additional services or will push down the per-transaction charge. Sometimes it’ll do both.)
After signing up for Square, you’re shipped a free magstripe credit card reader for your iPhone. An EMV-compliant mobile card reader that plugs into the headphone jack is available for $29. It also offers an EMV-compliant mobile card reader equipped with NFC technology that allows you to accept contactless payments like Apple Pay. This reader costs $49 and connects to your iPhone or iPad via Bluetooth.
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.
Square Online Store (see review) is an online store directory for Square merchants. Merchants with an existing Square account can create an online profile for their store within the Square marketplace for free. They may then sell their products through their Square online store for 2.9% plus $0.30 per transaction.
I’m a documentary filmmaker that’s just completed BluRay DVD manufacturing and want to offer sales (just the one product) of my film through my WordPress.com site. I’ve been swirling round and round in a sea of ecommerce information ambiguity for a week or more without a single clear answer. Frankly, I’m simply looking for advice on how to connect a page, a graphic, a button, a link … anything to a “shopping cart” secured page to gather credit information from my audience wanting to buy the DVD, have it all flow into my bank, and ship the product off to my customers. I’m going with Square card present tech for in-person sales and hoping they have similar (fair) options for online sales.
Weeks without prior dosclosure. Your review is dead on. I would have been charging upwards of $200,000 a year with square. Now Iam thinking of a law suit. NO SIZEABLE SMALL BUSINESS SHOULD USE SQUARE AS THEY CURRENTLY DO BUSINESS
Tried to sign on the phone app for square. It will not let me setup the account with out giving them full access to the microphone, camera, pictures, everything on the phone. WTF is wrong with these people?? I would NEVER give ANYONE full access to my phone, computer, or anything else.
Multiple User Accounts – If you want several staff members to be able to process mobile payments, you need to set up a multi-user account with your payments provider. Not a big issue but it adds another step.
This is a warning to anyone and everyone that is using square or considering using square for merchant services. Please be advised that square is holding $12,000 for transactions that were done in the normal course of our daily business. We processed a transaction for $12,000, the client picked up their merchandise and signed for the merchandise. Square has decided to hold this money even though there are no disputes. After numerous calls and emails, all representatives of square state that they can do whatever they want. According to Ellwood, the last representative I have spoken to, they dont consider this stealing, really ?!? I am seriously considering a class action suit against square. Please advise if any other companies have run into this situation.
All the negative information about Square seems to be coming from companies selling or advertizing competiting card processing accounts. I mean, is “cardpaymentoptions” really going to provide you with an objective, fair “review” when they are apparently a site created to sell the competition?
– If your iDevice or Android Device is unavailable, you will not be able to process credit card transactions, whereas a traditional merchant account only requires a computer or stand-alone terminal which is usually provided by the processor.
In addition to the formal complaints, there are 61 negative reviews for Square in the BBB’s reviews section as of autumn 2016, up from 4 when we first wrote about the complaints last year. There are also 4 positive reviews and 1 neutral review.
We use Square to process all orders on our web site, and in the last 2 weeks or so we had two large chargebacks (over $1000 total!). I was hoping to speak to someone to find out about the status of the dispute on these, as well as figure out if there’s a way to better protect ourselves from future chargebacks. The orders are taken via web so we do not interact with the customer directly or have copies of the credit card or much additional info — like with any online transaction. I wanted to make certain that it’s safe for us to continue accepting large orders via Square.
To begin, we have been using Square for almost 4 years. Over that time we have integrated square more and more into our business. We are happy to report that this has been a great decision. The app is always being updated and keeps getting the features that we ask for. All you have to do is email or call and tell their customer service department what features you really want to see in the future. Then sure enough in a month or two the very thing you asked for is added in or has some beginning resemblance of what you had asked for. Do not be deterred by the negative reviews. Most of them are people who have decided that the review section for the app is the best wY to ask a question to the support staff. Or they may be engaged in some kind of shady business that is prohibited by square.
Good to know. I just got off the phone with PayPal because, like you, they are holding over half of my funds for 30 days. Mind you they have already taken them out of my customers accounts, but I won’t get them for 30 days. Unbelievable!! They said Square will do the same thing so Im glad to hear they won’t.
As a customer of Analytical 360 in Seattle, Wa, whom you cut off because of their involvement in testing cannabis (legal in this state!) I will discontinue the use of my square card reader. I have also posted a notice online with the 20+ retail locations of Seattle area businesses I work with & so far I have changed the minds of close to 300 customers that currently use the square card reader and they will also discontinue the use of their card reader.
This map is good news for Square, which recently took in a $100 million venture investment and put Larry Summers (yes, that Larry Summers) on its board. Just about every major city and plenty of smaller places have someone using the device. I was particularly to see that the whole southeast is blanketed with Square users.
Dispute it with your bank. They’ll get your money back. Square did this crap too me numerous times. I got my money back every time, and finally closed the bank acct. To this day, months later, square is still trying to debit the bank acct that was closed. I know because they keep sending me emails. customers stole from me, and square allows it. Now they had to refund the customers, they were attacking my bank account
If you need a quality online credit card processing with low fee’s and great 24/7 customer service email Patrick Wilson with a company called Chosen Payments The email address is firstname.lastname@example.org If you were to sign up as a client you will even have my personal cell phone number to call if you ever needed any help. I have heard the above story a thousand times and it makes me mad that a company like that would hurt so many small business owners. Maybe a couple thousand dollars to them isn’t important but that could be the difference between keeping the lights on for some businesses. I will do an free upfront rate analysis show in black and white exactly what my company can do for any business owner out there that wants to be treated fairly and build a long term business relationship. Thanks
For small business owners, credit is vital. But with so many credit cards available designed for businesses, how can you decide which one is right for you and your company? These two factors can help narrow down your selection …
Looks like it might be time for a class action suit. I did an AMEX transaction in excess of $700 this week, no transaction notification, and no funds deposited. The transaction does not show up in sales history either. Very underhanded, everyone should post contact emails to get the ball rolling. Here’s mine – email@example.com
Please…. this article ends by saying Square is best for babysitters or flea market vendors? I’ve owned a café for 2 years now and started with Square. It has been great and I haven’t had any issues really. And I have owned a place prior using a traditional merchant services provider….which I hated. This article read great but ended like its sponsored by the other guys….biased in some way.
By the way do not go to their office in San Fransisco You can not pass the security, all they tell you is, there are many people comes here for the same reason (asking about their money) and you can not speak to anyone, you have to leave now or we are going to call police for tresspassing !!! As you can see i tries everything.. Please let me know if there is any civil case open against them.. Good Luck and never USE Square or Chase..
Square is bad for even small businesses. I learned this week that a transaction that had been handled, just like all of my other transactions, had been voided. I guess there is a void transaction X in corner of the screen, that the customer can hit at the point of signing for their purchase, either on purpose or by accident, that voids the transaction. And since I did not know about it, I was not checking me email immediately after each transaction to make sure it went thru. I am not out a lot of money, but for a small business, every dollar counts. Who would create a mobile credit card processing system that allows customers to void the transaction (after it have been “approved” or “authorized”)??? I have to hand them my phone to sign for the purchase. They can void the transaction instead of sign for it? Hand me back my phone, smile and walk away. Are you kidding me?
*Please note that I am not affiliated with anyone or any company. I am just a regular independent professional with a common sense approach towards business. I will give suggestions only when asked. Again, scroll for my November 22nd post.
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,
I used square to accept a payment back in June of last year. It was for a balance of $3000. After waiting several days to finally receive payment, the money did get deposited into my account. Approximately 3 months later I received an email informing me the money was being taken back out of my account. Apparently the customer was claiming fraud. Square requested any proof I may have had to defend my case. I emailed copies of receipts and signed thank you card from customer. I then received another email informing me, it might take up to 90 days to argue my claim. Now, in February of the next year square sends me a threat email, demanding payment immediately or face collection agencies! Customer service at its best! Loath not having a person to talk to about the matter.
According to the above article, Square’s Sales and Marketing tactics receive the highest marks. For example; I just today saw another Square advertisement on Facebook. Thats wonderful for the company, but think about this, McDonalds is also the best in Sales and Marketing, but how do you rate their product?
I’m not going to say Square is the most accommodating company as far as BBB complaints go, but there’s a definite improvement, and I have seen companies that are far more stubborn and much less apologetic. If your account hasn’t already been terminated, there’s definitely hope.
†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.
As a customer of Analytical 360 in Seattle, Wa, whom you cut off because of their involvement in testing cannabis (legal in this state!) I will discontinue the use of my square card reader. I have also posted a notice online with the 20+ retail locations of Seattle area businesses I work with & so far I have changed the minds of close to 300 customers that currently use the square card reader and they will also discontinue the use of their card reader.
Amazing how they found “a pattern of transactions associated with high-risk activity” when we had just run our very first credit card charge, and the product had been delivered BEFORE the payment was charged.
most complaints I see here must be coming from people who’ve never had a normal merchant and the stupid ones who think they should make interest make me laugh!! For those who have/had normal accounts square is great!
I swiped a credit card for a $1,700.00 charge and square software said approved. I never got a receipt emailed to me so I contacted square. They claim the charge registered as a cash sale? They keep no records for any transaction (yea right) and their customer service Sucks and were rude to me. In an email no less.
By the way, thanks for your service. At first I was leery of your site; it appeared potentially slanted toward firms that may have been advertisers or sponsors. As I continue to follow the conversations, I can understand some of your rankings. I do question whether Square is actually holding funds from some accounts for 180 days, though.
In an industry as complex as credit card processing — and with as much money riding on the decisions you make — getting your questions answered is key. We contacted each of our remaining contenders and scored them on their customer service, including a readable website with clear terms of service, FAQs and quality educational materials, and 24/7 support.
If you have been looking for a way to earn some extra money at the end of the month without doing much, you might have come across the world of online paid surveys. This is quite a useful method of earning a few dollars for those who spend all day at home.
Just please note that it is against our Terms of Service to process prepaid cards, gift cards or your own credit card using your own Square account. Additionally, you may not use Square as a money transfer system. For every payment processed through Square, you must provide a legitimate good or service.
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.
Finally, we learned that Square has beefed up its support staff. Although this staff may not have authority to handle disputes, you can remind them that Square’s agreement #50 is that Square is dedicated to resolving any disputes quickly, and if they cannot be resolved, that they “agree to an informal and inexpensive dispute resolution process requiring individual arbitration.” You might think about obtaining an attorney before you use this product.
Here’s the thing everybody. The article fails to recognize one very simple and standard thing: REAL merchant accounts (unlike PayPal) REQUIRE signature proof of delivery to dispute chargebacks. Delivery confirmation is NOT and will NEVER be accepted by a merchant bank. Merchant banks are NOT PayPal and should not be compared. PayPal is for the little guys, a merchant account is serious business. It is the merchant’s responsibility to prevent fraud and provide signature proof on chargebacks. So what do you do? Make signature requirement standard and allow customers to waive it during checkout by agreeing to terms. This works EVERY time. My business does $100K+ per MONTH and we get about 4 chargebacks per year which we always win. Listen, if you are getting defrauded that means your company is growing – which is a good thing. Wise up and change your practices, move on and make it a lesson learned. I have been in ecommerce 10 years and it is totally possible to do big money and have little to no chargebacks just learn to protect yourself, follow a strict procedure and don’t be GREEDY! Just because someone placed a $1000 order at your site doesn’t mean it is legit, especially if your typical order is $30! You need to learn about the AVS system and how to qualify orders and resolve issues before it EVER gets to the merchant bank.
If you are considering accepting credit and debit card payments your dilemma may be to pick between a merchant account or Square. Upon first glance, Square is the more simple of the two but comes with its own risks and costs. Merchant accounts are slightly more complicated but come with strong customer support and security. Traditional merchant service accounts provide more flexibility and customization to fit the individual needs of a business.
That’s not to say that Square’s system is perfect. The phone support system is still limited only to merchants who can obtain a customer code and then dial in. People whose accounts have been terminated cannot reach Square on the phone, as the company says they will only communicate via email once that happens. (From everything I’ve read, all indications are that you won’t hear much from Square at all once your account is terminated.)
Just so you know, Square has some stringent rules with regard to who they will do business with. They do not allow telemarketing, MLM’s and a number of other businesses that are hard to verify become merchants. That is why they limit the number of “card not present” tranactions with the new merchants as well. They simply can not verify each and every charge, so there is a blanket rule that all must follow. Once you establish yourself you can appeal to raise the limit of your card no present charges, but only after months of verified and secure charges. About your transactions, I have had my credit card skimmed at gas stations three times now, each time the thief charges $1.00 to test the credit card to see if it works. My personal credit card company (Citibank) said that the $1.00 charges have become suspect with all services, so each time I had a $1.00 charge on my credit card they CANCELLED it and gave me a new card! I think that without knowing it, you made yourself a suspect! You can probably appeal it with them by letting them know the $1.00 charges were made with your own credit card.
3. Spark Pay: This is Capital One’s mobile processing service. They have affordable options and 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.
SO! What you should do in their case is call your bank right away and explain your fears about their shady ways etc and what’s been going on and then request to close the accounts completely and re-open brand new ones. It may cost you a small fee and it will definitely be a pain in the butt b/c you will have to give any other cedit or pay out accounts you have all your new info but at least you will be able to sleep soundly knowing that Square no longer has valid bank info on you. —-This is what my bank had me do because of them.
I would highly suggest you use someone else. These guys will hold on to everything past $1000.00 for what could turn out to be months. They have had my 3,000 stuck for the last 45 days, and now they said they will take an additional 90 days to put the funds in my account.
Withheld funds and account cancellations occur: Square offers a streamlined application process. No human looks at the application initially. However, once you have the account, an underwriter will review your account. If they determine you are “high-risk,” they may hold onto your funds until they complete the review process. They may even cancel your account.
One time someone at Square accidentally answered the phone and had to deal with my complaint directly. Guess what they did…put me on hold for 15 minutes then came back to say that someone would call me back shortly. What is shortly to Square? It’s been weeks.
Payment Depot has a number of big-name, national clients under its belt, like Subway and Arco. It backs up its range of pricing plans with solid customer support and transparent pricing, making it a great choice — especially for companies dealing with larger transactions.
I opened an account with square and had nothing but problems getting my account verified. finally after 5 weeks of fighting. a gentleman named Barrett sends me an email, stating that my 606.00 would be transferred to my account…..5 hours later I received an email from someone else saying that my account is being deactivated for suspicious activity….so now I stuck with no way to talk to anyone about my problem……why is this allowed to happen….. I also feel like square is stealing my money……I don’t want an email notification all you do is lead me to a help desk that does nothing with out you 12 digit code to get online….without one you cant talk to nobody…..
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
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.
I’m so sorry I signed up for this service! A recent chargeback was resolved quickly on the part of myself and my client as it was a simple case of the client’s accounting dept not recognizing the charge. Square withdrew over $9000 from my account without so much as asking for proof of service and then re-deposited the funds 24 hours later only to withdraw them AGAIN the next day!! So far I’ve written two emails and left one message and they still have MY money!
I have used Square for two years now and had no issues. Square is not suitable for any business who processes large amounts at one time. Square doesn’t protect us against unethical customers who may dispute a legitimate charge just to get their money back so I wouldn’t suggest it for anyone who process any payments over 100.00. I have a very small shop and deal mostly in cash but I love having Square for my customers who do want to use charge. Most of the charges are under 20.00 so it is perfect for me. The fees I was payment with another company was outrageous so this company helped my business. Again, this is not a company for processing large payments.
These tokens can later be used to play online games that will give you points. Read well: It is not the surveys that give you redeemable points! It is the games you play that will let you accumulate these points that you can turn into prizes.
square started out great until they began holding funds , the most annoying part is not being able to get phone help promptly. keep in mind if you process a refund they will freeze your funds for over a week. if you process 1000 manually withing in 7 days they will freeze funds for 30 days. who does that ? need less to say i am quiting square for now it causes more damage than good.
People that love Square really love Square. Reviews say that it’s easy to use, that equipment looks great, and that flat rate pricing offers simplicity not found with other processors. (Just remember that convenience comes at a price.)
Loyalty program that was promised as part of sales pitch ended up being dismal, restrictive and unuseable; after working with them over a year on it they finally added originally promised functionality and offered for an ADDED COST. Bait and switch.
Customer support, for all practical purposes, is non-existent. I have had trouble running a card because Square decided to break old versions of apps the second a new version is released. But they did not provide any warnings of this and no error messages identifying the problem.
Square has a lot of great benefits, but when i have no number to contact them when i have questions then i may need to look elsewere. We own a furniture store and have some large tickets and when i run a card i cant get number to find out why the money has not been deposited.
Square.com is a real pain in the rear for the vendor, I am a contractor and when I receive progress payments from customers they are usually at least $4k. I will process a payment on Thursday at 2pm for example and I should expect my money to hit the account by the next business day right? Well no guess again, you see they have tied up my funds multiple times for one reason or another, making me jump through hoops and whatnot, in the mean time they comfortably sit on the interest earned by my funds releasing them from Thursday till Tuesday
This is the SAME exact thing that PayPal did to me a few years ago. It seems that they question a transaction and PERMANENTLY put your money on hold. PayPal still has over $6000 of my money — since 2004. Never released to me.
I my customers if they would like a receipt. Most say no, so I skip the receipt. But when someone wants a receipt. I just email it to myself. As soon as I switch to from square to Safari ( with my email already open) it is there. I open it and print from my iPad. This takes less than 10 seconds to do. 🙂 All this is done with wifi ( I use the airport extreme from Apple for my router and I also have an Hp pro 8500a which supports AirPrint.
this is the shittiest company I have ever seen I am turning them into the bbb and also all of the ceos to the business you all are selling out of office depot being one as I already got transfirst pulled from there shelfs last week whose next oh right square up is next! good luck you have been turned in bbb and the ceos dip shits stop ripping people off and stop being fucking idiots trying to hide information and I don’t trust you with my info either!
I purchased this square device and linked my bank account as required, I even did a test transaction for a nominal amount just to confirm this was a legit operation. Everything went well even the $10’s they issue for signing up went through. I went out of town to condct business and on 2/8/2012 had eight purchases that totaled around $1,800 and it was prior to 12pm PST. The following day I had one transaction for $800 and was made prior to 12 pm PST. again. Mind you EVERY transaction was made with a physical card swipe (I see it notes transactions without a card swipe than run over 1,000/ per week or during the intial 30 days will be subject to a thrity day hold. My transactions did not fall under this catagory) So day three (rather 36 hrs. plus) still no funds deposited. I went to the website…..then realized theres no phone number for the company…..so sent an email as they requested, no response as expected. I then searched for message boards and found tons of consumer complaints about how horrible the company is and how they hold your money to throw in short term investment accounts to profit off of the interest. I also found a phone number which I called from 9-6 EVERY HOUR to get a hold of the same woman DEBBIE every time I call. Only to be told they only allow you to speak with “technical support” and that account services only responds to emails and voice mails (which will still be responded via email) I spoke with DEBBIE over 4x’s which she continued to transfer me to voicemail even when I asked to speak with her manager. So in short they have my money and I have nothing! They try to make it seem as if its a major company yet their all sitting there in the same suite 104…..901 Mission Street San Francisco, CA. Morese when do you ever call a customer service or tech support line and get the same person every time. Most important since when can a “bank” or processing agency hold your money, not give any reason as to why, and then not allow you to contact them…..”dont call us, we’ll call you” So in short I got robbed via SQUARE DOWN!
You can add buttons so that you don’t have to search for the product that you are selling. You can just push on the created buttons of the products and it will add to customers carts. Also it is very small and easy to carry. The cost is very reasonable as well.
you rated this company, if we could even call them that, poor, you are to kind, why can’t you just say it like it is. they suck, they are scum bags, we will be reading about them soon on how they scammed a million people then claimed bankruptcy . I deposited 700.00 dollars three weeks ago. haven’t seen it since. there e-mail said it might take as much as 80 days to get my money. People beware, If you want to throw away money, send it to me, after doing bussiness with qurare inn i need it. P.S. start telling it like it is. tom paulos [screwed bussiness man] Though Square is not ideal for doing bulk transactions, there are clear advantages for many small businesses. We spoke with two small business owners who pointed out some advantages of Square for them.
I want to thank all those who’ve posted here and described the problems they’re suffering. It seems clear that I should avoid Square, if only because I can then provide better customer service to my customers than Square does for its’ customers.
Square INITIATES the transfer in 12-36 hours from sales – sometimes it takes 48 hours – never in my experience longer than that once your account is set up properly – and as far as I know they don’t initiate transfers on Sunday and I don’t remember seeing one go on a Sat either.
Under normal circumstances, Square will deposit funds from completed card payments into your bank account within 1-2 days of the transaction taking place. If you want to receive funds from certain transactions in your bank account immediately, you can choose to instantly transfer them into your bank account for a fee of 1% of the transaction total.
You may want to consider integrating your accounting package with your POS system like QuickBooks or Xero. Being integrated in this way means that you can also benefit from all of the additional reporting features of your accounting package in real time. Square integrates with; QuickBooks Online, Zoho Books, Xero, Kashoo Accounting, Commerce Sync, OneUp, Shogo and TaxJar.
Square requires an active Internet connection to process payments. This can be either a Wi-Fi connection or a data service (such as 3G, 4G or EDGE). Choose Wi-Fi over your cellular network for a faster processing experience with Square.
A reserve (often called rolling reserve or hold back) is when a credit card processor routes all or a portion of funds from a merchant’s sales to a non-interest bearing account until funds in the account meet a certain balance. For example, if a processor requires a $10,000, 5% rolling reserve on a business’s account, the processor will withhold 5% from each deposit until the balance of the reserve account reaches $10,000. It’s then up to the processor to decide at which point to release the reserve account, if ever. A traditional credit card processor will typically notify a business if a reserve is necessary when the business applies for a merchant account. However, since Square does not have an application process, a reserve may be imposed, increased, reduced or removed at any time at Square’s sole discretion. If your business operates on thin margins, a sudden reserve or more will likely be devastating. There’s no one at Square you can contact to inquire whether your business is likely to incur a reserve, so consider this carefully as you determine whether Square is right for your business.
I used to love Square because of its ease of use. When we heard they had a cash advance program for merchants, we decided to use it (despite the high fee) and we were delighted with how easy and stress-free it was to pay back.
I have to ask the question, are all these problems occurring with swiped cards and customer signatures? I’ve processed as little as $10 in a week and over $5000, all with signatures and have never had a email or warning or hold on any funds.
I cannot believe this company. I signed up and verified my account. All was fine until I ran my first two transactions. They were keyed in. One for $100 the other for $500. This was a Thursday. Friday..no deposit…Monday no deposit. That Wednesday I decided to send them an email.
We can create custom pricing packages for some businesses with annual revenues over $250K and an average ticket size over $15. If that’s you, get in touch—we’ll even review your current statement with you.
My retail store switch to square a year ago. It’s been the best thing we ever did. I have been reading all the complaints and wonder what company your dealing with, the ease of completing sales and the ability to instant deposit the funds in my account is priceless. We also deal with square capital and presently working on paying off our third agreement. Square is a top notch company. I rate them 5 stars– end of story.
Customer support is extremely bad. In the past I have received payments the next day. This time they arbitrary decided to held the funds. They are not a reliable company and they have lost my trust as a company that delivers. In the business community I need to rely on a company that delivers what they say they will do and have some kind of live customer service. Going to look for another source for CC merchants
So why did Square refund the money? Because the client said they did not recognize the charge. When I finally threatened to take the client to court by sending them a collections letter.. what did they say? They did not recognize the charge because it came through from the vendor NAMED SQUARE. Now, why in the hell did Square refund based on the fact that the vendor named SQUARE was unrecognized??? Completely ridiculous.
This is the worst company out there, I don’t know how they are still operating. I will do everything in my power to share how a horrible company they are. I have been waiting for weeks to get W2 for employees and Taxes are due in just two weeks! I have been e-mailing them everyday hoping to get a response from them and nothing so far.
Initially I thought Square would be a great thing for my wife’s cake decorating business. However yesterday I received a notice from Square that my account was a High risk and they were deactivating my account and holding over $1700 of my money for 90 days (or I could refund to the cards and seek alternative payment). I think this is an extremely poor and unprofessional business practice as it seems like on a whim they can close your account when customers like me have to refund money (in my case to 12 customers) and try to get money from them. Needless to say I am furious with this crap! Scammers.
On the other hand, if you run an established, low-risk, in-person business, accept payments via a chip card or NFC reader, have small average transactions and a moderate weekly sales volume with little potential for chargebacks, in all likelihood Square will be a stable option for your business. You should still consider other options to make sure that it’s the best service for your needs, but definitely keep Square on the table. For some businesses, it really is an amazing value.
I got the veggie delight with brown rice and the veggies are fresh and not overcooked and the sauce is flavorful but not overpowering. I was a little sad that there were only two pieces of fried tofu in the whole dish though.
I am excited to start my new business and decided to use Square. I have a iPhone 3G phone and was able to download the Square application and apply for the card reader. I notice that the reader is compatable with 1Phone 4S, 4G. Do you think I will still be able to use the reader on my iPhone 3G??
Overall I’m probably biased because I’ve had square so long but I can say I’ve never had a problem with it. The readers are free so if one gets worn out and stops reading cards they basically have a new one to you within the week. I’ve heard too many negative revues of PayPal that my first choice given he option would be to go with square. The extra .05% for processing fees is probably worth it, especially since you’re able to swipe on any card including AmEx with no extra fees.
First off, the security factor both merchant and consumer. I know as a middle-aged consumer, i want a physical trace of my transaction such as a paper receipt. Plus as a merchant, i want physical proof of the swipe and the customer’s signature as well.
I am in the middle of a huge mess with this company. It involves a chargeback that was made against me by mistake. The customer who make the chargeback has voluntarily reversed it. Square says it still is going to take up to 60 business days to get my money back!
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!
So now I am out several hundred dollars plus my time spent in figuring this out because transaction support for this reader was terminated; probably on August 10 or thereabouts and with it, the capacity for transactions to be processed by Square. This despite the fact that the offline mode continued to show the payment was authorized.
Good luck to anyone dealing with Square, my testimony was posted in September. I did not have any luck with the social media. Someone had posted about posting on @Jack relentlessly to get a code for phone access. I posted on Square, @Jack, and other small business posts every 5 min. for 2 hours, then every 15 min for another 6 hours. Beyond that I posted several times daily over many weeks, I got nowhere.
If you accept Cash or Other Tender without an internet connection, you may see a list of uncompleted payments in-app. The payments will be recorded when Wi-Fi or data service is restored. This only applies to Cash or Other Tender processed with the Square app.
As is the case with most business decisions, you have to carefully weigh every way that the decision will impact the business and its customers. Your post is nicely done, and the chart makes it easy to compare the two services. Thanks for your time, research and posting efforts.
The problem that nobody knows about is that the almighty Uncle Sam has implemented new policies, and all credit card processors have to oblige. Uncle Sam has told the CC processors that THEY (square) are responsible for policing and monitoring ALL the transactions to make sure that everything is on the up and up. too many prostitutes, drug deals, terrorist etc. That’s fine, but Square has ABSOLUTLY NO RIGHT to hold my funds (which they did) and tell me that I cannot have my money until I provide them with a copy of my LLC along WITH my LLC tax ID# and copies of the invoices. WTF! That’s blackmail, and there was NO email or contact telling me that there was a change of policy. Square is beyond unprofessional, and a complete waste of anybody’s time.
I’m sorry to hear of your frustrations with Square. If you’re ever in the market for a new processor, be sure to check out CardFellow to get quotes from several processors and benefit from our strict enforcement of rules for the processors we work with.
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.
To some extent reserves, frozen accounts, and terminations are just risks that come with the territory of accepting card payments. They can happen no matter what company you process with, whether you’re using a traditional merchant account or a third-party mobile processor like Square.
I’ve been a customer with square for several years and I never had any chargebacks whatsoever. one weekend I did a blowout sale on my merchandise and sold all of my products at a super low discounted rate. square deactivated my account because I processed to many pre paid cards that weekend.
Did you tell that you are processing such a huge amount. That will alarm their fraud alert, who knows what you are selling. I know a drug dealer that uses sqaure for his dealings, but he was smart & emailed sqaure that he is door to door salesman for some direct sales company & emailed the paper work to them, When i started using them for taxi paymemt. I emailed them my chauffeur licence & also amount of my each sale. They replied in 3 business days & all was sqaured away. Trust me i have used other services & they are so freaking horrible.
I t just joined square , after I signed on one time put all my banking information, I have been unable to logg back on. They made the 49 cent transaction to show it so call works . But their is no one to speak to about this probllem. Here is a great idea for all. since this company has numerious individuals banking information and we have no human to speak to it is starting to look like this is a scam, report them to the better business bureau, Attorney general in your state.
Shopify’s monthly fee makes Shopify POS pricier than both Square and PayPal, but for multichannel sellers, the cost is worth the convenience. If you plan to sell both in-person and online, Shopify Lite is an ideal risk-free launchpad with competitive mobile credit card processing rates and a low monthly cost.
Square is a total ripoff and a joke. You swipe the card and then it does not go through so you have to manually put the card information in the reader. Once you manually enter the card information these jackasses say that they will allow me up to $5000.00 per week. After the $5000.00 finally goes into my account the last $4000.00 is held for 30 days. If they allowed $5000.00 last week the difference should be put in the following week, but guess what you are screwed for 30 days. I am filing a complaint with the Better Business Bureau which already has over 70 complaints on file.
I was concerned as the fact that there is no easy way of getting a hold of them till I Found there # on here and that # again is: 415-375-3176 The phone rang 2 times and it was answered! The guy was Nice, and understood what I was asking..
First off, the security factor for both merchant and consumer. I know as a middle-aged consumer, i want a physical trace of my transaction such as a paper receipt. Plus as a merchant, i want physical proof of the swipe and the customer’s signature as well.
QuickBooks GoPayments mobile app has good reviews in the app stores, and its seamless sales integration with QuickBooks makes it a natural choice if you use QuickBooks to manage your business. But GoPayments is missing a few key features, including:
This is the Fastest Point Of Sale (POS) to set up. You can have it up and running in one day. It’s super easy to set up you can do everything from your phone, never having to use a computer. Processing fees are fair, you can shop around but the processing fees with Square are hard to beat. Mobile this will work anywhere you have power. You can accept cash, check, and credit cards, tracking all sales in the POS. Credit cards can be accepted offline and processed later ( you must accept some risk that if the transaction is declined you have lost revenue).
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.)
My mother has a bail bond service. She used square until square found out she was a bonding agent.Square told her that was not the type of business they wanted to be connected to. I thought money was money.
I had the same issue when I first started with square. I called them and let them know that I was going to be running much larger amounts through my account and the 1000 a month was not going to work . . .if I remember if you swipe the card instead of keying it in you get paid the following day. My understanding is that they do this to allow a relationship to develop otherwise any scammer could run false cc for 30 days and take the money and stick square with the bill. So you need to let them know you need to increase your limit and I think they pay out 30 days from initial charge . . .gve it another week .. .at this point you are still within their rules and regulations so a lawsuit will do nothing but make you feel better…
Terrible the worst. Do not use they will keep every dollar you charge to them. I cannot believe this is legal for them to do this. No phone number and High fees They will change rate and not tell you. Then hold all your funds for 30 days or more. With out a reason..DO NOT USE!!!!!!! I HAVE FILED A COMPLAINT WITH THE MANY OTHERS WITH THE BBB.
-If the charges were fraudulent than honestly the person’s credit card who the charges were made on should not have to pay (put yourself in that person’s shoes; the one whose card or identity was stolen and you will find that you agree).
Read the fine print. Any credit card processor worth working with will tell you its rates clearly, simply, and up front. There’s no reason to pay hidden fees, so don’t do it. Watch out for leased equipment (it’s usually not worth it) and multiyear contracts too. Many processors have no monthly fees and no commitments, so there’s no reason to sign up for something you’re not sure you really want or need.
After a payment dispute by a disgruntled customer, square debited my bank account for the entire amount disputed. Because I didn’t not have the opportunity to gather necessary paperwork in time (Less than a week) square didn’t stand by me. I’ll be looking for another processor ASAP.
Contract clearly states there are no monthly fees yet I was charged $18.99 for several months. Its partially my fault that I didn’t look for these charges. But from the prior post I read it wouldn’t have matters because like everyone else there is no actual contact number to talk to an actual human being. I spoke with the “dispute center” who told me to dispute through my merchant then get back with them. I sold Pure Romance products and they did not have anything to do with my problem. They asked for the last four of my card, the transaction dates, and the description transaction name. I gave it all to them and they still did nothing. I deactivated my account because they date they previously charged me was coming up. I hadn’t heard from them til after I deactivated my account. After I did so they stated they couldn’t do anything further washing their hands of their responsibilities. I do not understand how this so called company is still running eith all the above problems.
Customizable dashboard: Square lets users customize the information they see in their dashboard by dragging and dropping different widgets. This is always a nice thing to see because not everyone will use every single feature Square offers — and if you aren’t using it, you might not want to see it front and center on your dashboard.
frost those square fools… i love them but i hate them more… i even returned to them but left wanting to stab ’em in the face… they froze over $10k of my money, sent me the bs email that they will hold my money for 180 days and if I didnt want to do thay i should refund my customers and have them pay another way. So i was like hail yeah I’mma refund all my payments then, and I requested the refunds for like 6 transactions at first. checked the next day… the status says refund rejected… Wth?!? after rubbing my eyes I read it again and yes that’s what it did say.. refund rejected. I asked customer support wtf is that and what do you mean rejected?! they said they don’t support refunds to prepaid cards when a tip has been added. I don’t understand wth that means because i accepted visa or mastercard cards, and i hear from their lousy explanation is… hello we’ve decided to freeze your money and hold it for you for 6 months and if you don’t like it you can try to return the money but we can’t really support that. a simpler translation would be we is stealin yo money for 6 months because we can sucka. yeah i’m not so sure about that, either way… after this happened i was scared, angry and was looking for some reassurance… my investigation found that i’m not the only that they did this to, and apparently if you looked at their bbb site they have a ton of complaints all of which they resolved by flashing their user agreement even though it satisfies nothing but themselves and bbb. the common issue i also found amongst complainers is that they all claim to want to file suit against square, but those baseless threats aren’t any good and as you can notice there hasn’t been any reports of square being sued… and thats because no lawyer in his right mind would take a case like ours because the user agreement pretty clear and protects the from you filing suit against them… however, here’s the special bonus for all users of square that has been duped by their services and misleading advertising, you can’t do anything to square because your blocked by their agreement simply due to signing up… do you know who can give them trouble ? your customers, your customer may file suit directly to square for theft. yeah thats right, you just simply have your customers file a police report against them because you pointed your customers to the perps that are in possession of their money. you understand what i’m saying ? don’t even tell square whats up because they wont take you seriously as they think they are protected behind their user agreement. have your customers file the report… and list you as someone who aided them is resolving this criminal act of stealing… yeah im not a lawyer, but i’m not a moron either jack. you will never be next steve jobbs… your ignorance is damning, i mean i still respect you for your innovative thinking, but if thats all you got, and you dont give a damn about your own clients that you are hurting with your double edged sword then screw you. this is exactly what you deserve, finally some litigation and negative limelight on your shady services company. have great day pursuing your enemy everyone !! don’t forget possession is 9/10ths of the law… they stole who’s money ?! yes that’s right your customers.
There’s no lack of complaints against Square across the web, which is pretty easy to confirm with a Google search. While there’s no shortage of complaints, remember that there’s a lot of good press out there too — we’ll get to that next.
I own a small retail store that does a high volume of credit card purchases. I recently signed up wIth Square. The first week of doing business with square they deposit all credit card funds the next day in my bank account. To date, August 23rd, they have not made any deposits into my account for over 1 week & are holding over $8300 of money. I need this money to pay rent, payroll, sales tax, etc. I gave tried to call Square over a dozen times & have never been able to reach anyone & all calls are cut off without taking any msgs. I have written at least 5 e-mails & none have been answered. I have received no letters, e-mail or notifications as to why they are withholding my funds. I will go out if business if they continue to hold my funds. A small business that does over 65 % in credit cards must be able to access their money to continue. They have no customer service at all & the guidelines they have on their website gives one a false representation of their true business practices. I cannot imagine anyone ever using Square that runs a busy retail business.
The easiest way to start using Square is to go to Square’s website, or to download the Square app from the Apple App Store or Google Play store. Signing up for an account is as simple as entering your tax information. For an individual, it’s a social security number and some other personal information. Square is very clear about protecting your data, but it’s always good to be wary of anything asking for this information. Other card readers, like PayAnywhere and QuickBooks GoPayment, make users go through a lengthy vetting process if they aren’t an established business. Square is much more convenient.
This is the worst company do not use this if you want to keep your hard. Earned money they owe me 9600 dollars will not reply to emails no number to call someone email me a good number to talk to a person [email protected] Business owners beware, I was unaware of the $2002.00 weekly limit for manual entering of credit card data. Since none of the three square readers I have were working I paid the additional transaction fees and entered a purchase manually with the client standing there, she even signed. Needless to say I was shocked to learn Square would be holding 1/3 or the total sale for 1 month from purchase date. This seems to me as a very suspect way to float funds for an unreasonable amount of time, what guarantee do I have that I will actually get these funds deposited in my account after the month is up. What if Square becomes insolvent during that time. Huge risk for a small business owner. Read the minute print, wish I had, I would have never agreed to these terms. If they do not resolve this situation ,I will not only be reporting them to the Better Business Bureau but also to the State Attorney General’s office and the Federal Trade Commission. Would certainly suggest finding an alternative credit card processor.
This article is potentially misleading… There are many variables to consider when comparing a flat percentage rate like Square against an interchange plus pricing model for merchant services. Square does not charge a transaction fee, so merchants with a smaller average ticket (i.e coffee shops, smoothie bars, etc) may see a LOWER effective rate even with high total volume.
After 5 year with no issues, they started asking for all kinds of documents, and i actually sent them everything. Had $1500 in the account and they shut my account down thinking they can keep my money. Filed a case with the BBB, and they quickly responded and said they will release the funds
So Laurel and everyone out there. After three weeks without word one from square, I got this. Checks bounced, no chargebacks had been made, NOTHING. I was able to refund all the money to my clients and checks are on their way to me now.
Square automatically deposits funds to your linked bank account within 1-2 business days. Instant Deposit is available for a 1% fee of the deposit amount. Learn about your deposit options with Square.