“Square App Review 2018”
As part of our review process, we try to test merchant account service companies’ claims by placing test calls and working through the customer service process. In this instance, we learned that you must be a registered user to place a phone call. Instead, we sent a test email, and we received a response that same day from an agent who seemed eager to respond to our request.
holy shit! the same thing happened to me today. in my opinion, they don’t need to know anything about my business to serve my needs. i signed up for their service and that’s that. trying to get someone on the phone is impossible. i told them they will not see my bank statements. that’s bullshit……they dont’ need to better understand my business. they need to better understand the service they are providing and we’re paying for. this smells like a class action law suit. let me know if you’ve talked to an attorney.
I purchased Square last year. I found it was a great way to conduct business. This month, I swiped a card from a client. I would not work. So they tried another card. Again, no go. So we proceeded to punch in the numbers manually. The card was approved by Square, then brought up the signature page. The customer signed on the phone for the total amount of the sale. We then emailed the receipt to him.
I signed up with Square because of their fee structure and speed of payment . My company uses First Data and Sega, but these processing companies hold the transactions for three days before they deposit it to your account, and there is a monthly fee. This is where Square is more affordable.
Payments, where you aren’t face-to-face with the buyer, are called card-not-present (CNP) transactions. These include virtual terminal and online store sales, as well as online invoice and recurring payments. Card-not-present transactions have higher fees than card-present sales since you can’t check the customer’s ID against the card, creating a higher fraud risk. You’ll see these transactions called:
THIS IS THE 3RD GOD DAMN f***ING TIME I HAVE WROTE TO YOU MOTHER f***ERS. IM TIRED OF CALLING IN AND GETTING THE SAME OLD RUN AROUND ###, I FILED ANOTHER COMPLAINT WITH THE BBB. I SEE WHY YOU PEOPLE HAVE AN ” F ” RATING. YOU HAVE SOME OPTION HERE. YOU GET THE FUNDS OFF HOLD AND SENT TO MY BANK AND WE CONDUCT BUSINESS AS USUAL AND NO MORE OF THIS HOLDING MY MONEY ###, OR I CAN CONTACT THE FEDERAL TRADE COMMISION AND MY LAWYER AND ADVISE THEM OF YOUR FRAUDULENT AND SCAM PRACTICES. I DONT CARE IF ITS 7.21 OR 721.00, THE POINT IS THAT YOU GOT YOUR TRANSACTION FEE AND HOLDING MY MONEY THATS NOT YOURS IS CALLED ” THEFT ”
They have lots of other cold specialty glass bottle drinks too, but once the Texan in me saw the Dr. Pepper, there was no other thing to be seen. The fat kid squeal came forth, and I wanted to shout “Shut up and take my money!”
In my seven years of business, I have never had a chargeback until now – simply due to the fact that the credit card processing on the end of Square and the potential client ended up debiting the potential client’s account FOUR TIMES what I entered – over $12,000!!! Some wacky tehnical glitch! The potential client sent me a text message photo of these transactions and in turn I immedately contacted Square to rectify the situation. We were on a very tight planning timetable (i.e. less than 5 months for an $80K wedding), so I got to work immediately and after 4 days worth of work on their behalf they canceled the planning contract since the groom got freaked out and thought I was frauding them, even though his account was straightened out. They initiated a chargeback for the entire payment, even though they signed a contract with me and it stated my fees were non-refundable. I sent Square a copy of the signed contract and signed credit card authorization form for them to challenge on my behalf. I even allowed a partial refund since the contract was cancelled so quickly, even though the reason was completely out of my control.
In Opinion Square, 1,500 points are worth a $5 Amazon electronic gift card, while 2,500 points can give you a $10 gift card. For some reason, this math is not the best but that only tells that it is best if you wait a bit until you have more points before redeeming them for any electronic prize.
After what I just went through in the last couple of days with Pay Pal I will forever discourage people to get PayPal and go with Square. I run my own PC repair/support business…I was approved, having already been with PayPal almost ten years I thought it the best way to go…well listen up…. My first three transactions were with typing in the credit card, since I usually work from home, and of course, their cc reader hadn’t arrived… What was that for???!! After your first $500 PayPal actually holds the amount for 30 days or more. I called the representative and I was like “well I’ve had PayPal for years so what’s the problem” they proceeded to tell me “that’s how it works until you develop better selling habits??” I run a computer help and repair, where I remote into my clients servers, or PCs and fix the problem, so accepting a credit card payment over the phone shouldn’t be a biggy?? Right?? Wrong! So basically I did two days or about $1,500 worth of of work, they gave me the first $500 and the other $1,000 is in there or in my pending balance for the next 30 days, just because I typed in the credit card. Mind you I sent them the receipts for the transactions. This is incredible, and a joke. I think it’s horrible, 30 days?? This day and age maybe 2 or 3 days for it to clear, I can even do seven for it to clear with the bank but really 30 days??? Square took me through a two day process and after sending them my ID and a copy of my receipts everything went smoothly. It goes into my bank account after a day or so, or I can choose to have it immediately sent to my account for a 1% fee. The choice is clear. Hope you don’t make the same mistake.
2. Helcim: Good 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.
“Hello Albert, Our Account Services team has concluded a review of your account and has determined it to be high risk. For security purposes, we have elected to deactivate your Square account. You will no longer be able to process transactions using Square. To learn more about Square’s Merchant User Agreement and terminations, please visit: https://squareup.com/legal/ua
Contact Morgan & Morgan Law firm in Florida even if you do not live here. I am implementing a class action lawsuit. As I have read 546 comments. Mine is the same story as the rest. Forward this on I will contact NBC News next.
I have a retail site that I have built using Wix. I have a Shop Now button that directs customers to my Square Online Store. I am trying to add sub menus on my Wix site, below Shop Now, that will direct customers to my various categories on the Square Online Store. For example: Tops, Denim, Shoes, etc. (Rather than directing to the whole store or individual products)
I have been using Square for 2 years now at my private practice. I have never had an issue and always received a timely response when I emailed customer service. I have recommended square many times to other professionals in my field.
My company used to use another POS/register system by another big name brand, and I was so let down by how little functionality there was. After switching to Square, there’s no comparison. Square Register makes completing transactions a breeze for my employees at the register and our customers. It works well with the bluetooth connected card readers, and works intuitively to make transactions faster. Reporting/tracking is simple and running customized reports is easy to do by location/device/date/etc. Highly recommend!
I have only run 2 transactions through Square in the last 2 weeks. I was really excited to be able to offer my clients the credit card option and now after only my second time using the Square, I receive an email Alert telling me the funds are being held and I need to fill out further forms, send proof of business…etc. WHY did they not require this before sending the square and enrolling me as a customer???? It all seems very suspicious! I guess they wouldn’t be able to hold my money or collect fees from me if Square had a selection process in place up front. When I did call the number they provided, I actually did get a live person on the phone, though she was clearly reading and STICKING to the script and was utterly incapable of having a conversation about what was happening to my money. The client signed for the transaction, it’s the same credit card I used the first time and the charged amounts are similar and well under $1,000. The email Alert said that “due to unusual activity…” I asked for examples of “unusual activity” to which her response was to hang up on me. As this is only the second time I’ve used the Square, I’m confused as to how they were able to establish “unusual activity” on my account. After the customer service rep hung up on me, I jumped on line to look into this matter and see if there are other complaints about Square. Obviously there is a large number of people with serious complaints and issues with Square. As soon as I collect these funds, I am moving on and looking to my bank to provide me more reliable financial service. And you can be sure, I will SPREAD THE WORD about the headaches of doing business through Square.
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.
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 email@example.com, maybe we can help each other out.
2. Click on the payment you would like to refund. In that window, you will see more information about the transaction along with a “Refund this payment” link directly below the last 4 digits of the buyer’s credit card.
The whole time I was using Square there no mention of any problem. I think that they use the money and collect the interest leave the customer in the dark. As convenient and a break through in credit card processing, Square deserves an F in the way they take advantage of their clients. I am sure that there are other companies out there that will offer the same opportunity with realistic service. I will never use Square again. I would not recommend anyone use Square. It is a total rip off.
I tried to inquire, first by phone (not one to be found), then through their support. My inquiry is clearly attached to an autoresponder which points you to the direction of their legal agreement. I went through it, and really, just as the article indicates, they can terminate for any reason whatsoever.
It reminds me of the old adage, “if you can’t stand the heat, get out of the kitchen” Square offers them selves as a great innovator in our quest for a paperless e-commerce world. In reality, they are nothing more than a middle man making up their own rules. Who wouldn’t like to be in the business of getting paid to hold someone’s money for 30 days or more. Pay the extra 0.5% to a traditional card processor and at the least, you’ll get your money instantly. Good riddance Square
I really enjoy using this product. It’s helpful with me keeping my business flowing. No more missing payments from clients because of not having a credit card machine. You can keep your clients happy as well as the business growing.
* All credit sale plans are issued by Square, Inc. Plans are not available to merchants located in AL, DE, MS, MO, NH, and TN. The individual authorized to act on behalf of the business must be a U.S. citizen or permanent resident and at least 18 years old. Valid U.S. bank account and Social Security number or Individual Taxpayer Identification Number are required. Plans may be selected from 3, 6, 12, or 24 month terms and are based on the financing amount requested. The finance charge amount and installment payment amounts will depend on the repayment term selected. Sales tax, where applicable, cannot be financed and will be due upon acceptance of contract. The final payment will be equal to or less than the regular monthly payment. All plans are subject to approval based on credit and other factors.
ENTIRELY my fault for NOT reading the comments and looking for reviews before setting up with the square! They are holding my funds now because they need to verify my business? I’ve sent them everything I have, and they keep asking for the SAME information!! My client’s products have been shipped out, I’ve paid my vendor for the merchandise, but now I have nearly 5,000 that I can’t have access to for no reason. This is BULL.
I provided the information that they requested and had to follow up over and over and over for another week, until i got another email requesting my business registration. OKAY… WHY DIDN’T YOU GUYS ASK WHEN WE SET UP THE ACCOUNT?!?!? Let me remind you that its already been 40 days since the day of the transactions.
I would pass on Square. If you do go with them, MAKE SURE YOU NEVER DO A PHONE CHARGE AND HAVE EVERY CHARGE SIGNED. IF THERE ARE CONNECTION ISSUES, HAVE THE CLIENT DO A SIGNED CC SHEET AND IMPRINT THEIR CARD.
Having used Square since April 2013 in my business, which is golf cart rentals to the public for driving on the island streets and beaches, I can honestly say I’ve got no complaints. All transactions, including refunds, have been handled quickly and efficiently. Yes, I would recommend Square for low volume businesses and transient vendors,sic flea markets etc.
Here is our biggest complaint against sqaure and I am going to file a report with BBB, although I know just found out they have an F rating with BBB, If you process big transactions they hold your money for 30 days, ( did not know that until could not find over 3000) since they will only process a 1,000 a month. Then their underwriters need to determine how soon they will let you have YOUR money. So, for a small business where cash flow is an issue, a limit of !,000 a month and then hold the rest in an account!!! for 30 days is a big issue. We are going to go thru the process with the underwriters, since they have our money, and then decide if we stop using square. That is something they should have told us up front, not something we find out when they have our money, and now cannot have it for 30 days, and only will let us process 1,000 a month if it is not run thru, but instead called in. ( which alot of our business is) REALLY DISAPPOINTED
They help ALL of our deposits. They flag an entire account, not just a certain transaction. This is detrimental to small companies that accept credit cards as a form of payment for their services. It’s illegal. They are trying to get around it with saying the terms and conditions that you accepts when you initially signed up for the account would protect them. But it is very broken…. This will come back around and bite them.