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But if you are just starting out, your process payments infrequently, or you are still processing a low volume each month, Square could be an amazing tool. Even mid-sized to larger businesses can benefit from everything Square offers.
If you plan to use Square for Retail, you should expect a drastically different experience in the app, as the entire POS is designed for high-inventory environments. Everything is meant for searching or barcode scanning, instead of browsing through a list of items. However, you’ll get the same back-end dashboard.
[…]If a Chargeback dispute is not resolved in your favor …, we may recover the Chargeback amount and any associated fees as described in this Agreement. You acknowledge that your failure to assist us in a timely manner when investigating a transaction, including providing necessary documentation within fifteen (15) days of our request, may result in an irreversible Chargeback. We reserve the right, upon notice to you, to charge a fee for mediating and/or investigating Chargeback disputes.”
Square is a complete scam and rip off. I’m a small sole proprietor and relied on square. Big mistake. I file taxes for a living. I charged a few clients. And they are keeping my 2600 and terminated my account. There is no support. They asked me for my license. I provided them bank statements and license and invoice for my clients they still shut me down. And keeping my money. No way to talk to a live person. DO. NOT USE THEM YOU WILL BE SORRY WITH NO MONEY AND JUST STRESSED. I have emailed them but no response. Now when I go into my account. It says I’m terminated. And no money deposited into my bank. I’m going to file a police report since they stole my money and no response. The money is out of my clients bank account.
That’s pretty horrific. You are describing common credit card fraud, and it is more than against Square’s terms and conditions – it’s against the law. Processing your own card for cash would be enough for account termination. Processing someone else’s card without their knowledge, and it’s a matter for the police without a doubt. With any credit card machine or software, not just Square, the user can simply type in the card number to process the transaction. It sounds like someone stole your credit card and contact information to commit credit card fraud. If someone committed credit card fraud using your card information, you should contact your card company immediately.
We have a small service type business and we want to start accepting credit cards. A single transaction amount could range from a few hundred to few thousand dollars depending on job size. We use Quick Book accounting software (desk top version) and Android mobile devices. We were considering Square or Intuit GoPayment, but after reading your article, are curious about Flint Mobile. Any recommendations or other factors we need to consider.
so i reapllied fix the issue. said i was approved. ran 3 cc total $1100. i didnt get the confirmation email or and thing. money was pulled from my account and customers.should be in.my account tomorrow am. i found numbers and addresses.
I’ve been using Square for my small business for about 4 years. All was well, more or less – there were a few annoying glitches but they were balanced out by our good experiences. We never had any problem with deposits, holds, etc., but it is rare for us to process more than $1000 by credit card, so perhaps that’s a factor. I probably would have stayed with Square, and given them a higher rating, if it hadn’t been for the new chip reader debacle. It has been a pain from beginning to end, culminating in my finding out (after many hours of Internet research and tech support calls to Samsung and Square) that my widely-sold, Samsung tablet is not compatible with the new, mandated hardware. This leaves my tiny business in the position of having to buy a new device to use the new reader or change providers. Since we operate on a shoestring, the choice was obvious; I decided to request a refund and change to Intuit’s service. Unfortunately, because the new reader finally arrived in the middle of tax season, and I could tell getting it working was going to require a time commitment, I opted to tackle it when I finished our taxes (had a massive, forensic accounting task on my hands due to mess left by former employee.) Big mistake. This decision put me outside Square’s 30-day refund policy. I contacted them via email to explain why it took me so long to discover the problem was not going to be fixable. I took responsibility for putting off the task, but also noted that I made that choice due to the arcane nature of their support pages, the difficulty of quickly finding answers, and my assumption that I would get it working in the end. I believed my common device would be compatible – largely because it was not readily apparent from looking at their support pages that some devices might NOT be compatible. (In fairness to them, it turns out there is a list…but you have to know how to find it. So, not very helpful.) I added that their support person I spoke with by phone couldn’t identify the problem, either – I had to call Samsung. I asked Square if they would make an exception. They replied with a short email simply restating their policy. I replied that I knew their policy and, once again, explained what happened and why I did not feel totally responsible for the delay. I asked them to reconsider; they refused. I have given this some thought over several days and have decided I’m not just being a big whiner – I still think my request was reasonable, especially for pristine, unused equipment in its original packaging. Had one of my customers come to me with a similar story, I would’ve simply granted the refund, if only for the sake of good will. As it is, I feel like Square added insult to injury, and now I will never go back. I got the distinct impression that they don’t care about me or my problems, and that my good opinion was not worth $40 to them.
It’s so disheartening to read this article and the subsequent comments. Our mobile and brick and mortar shop has used square since it’s first month in business and have never had any mentionable issues. We process thousands of dollars per week, we have had bugs but not any more than my computer updates or phone apps. We have never paid more than $250 in fees since we encourage cash and check payments too.The spreadsheets and options for accounting are really useful.I have always received fast response when contacting support.I recommend square daily,Gabrielle Krake
For example, if the amount of the original transaction was $25, then $24.31 is withdrawn from your bank account and the full $25.00 is refunded to your customer’s card. The fees ($0.69 in this case) are covered by Square, and the full purchase amount is always returned to your customer.
Quick setup: Easy-to-set-up software and intuitive design make it fast and painless to get started. Just plug in and start selling. (If you’re switching from another POS system, you can easily migrate inventory and other items.)
Here is my latest string of emails.These people are truly unbelievable.I have had enough. There are several items that are pending. I have cancelled them and one will not cancel. It is for $1398.81, which has not been deposited in my bank. The other 2 are for $219.00 and $83.42. I have been charged $25 AND $45 for NSF by Square AND AM NOT AMUSED. This was an issue caused by Square, not my customer or myself. They disputed it, I worked with them and they authorized it. Then I get a notice from Square that it will take 90 days, then a second one saying 60 days and my account is deactivated. Am happy to not give any more business to Square but expect this issue to be resolved. My customers are calling me about double charges by Square and haven’t been paid to my account. I have turned this over to the BBB. After a lot of research it appears that I am not the only one. Please refund any outstanding charges, refund the NSF and straighten out this debacle ASAP.On 5/8/2015 10:53 AM, Square Account Services wrote:>> Hello,>> Thanks for writing in. Currently phone support is only available for customers with an active Square account. For more information regarding account terminations, please see our Seller Agreement.>> Best,>> Tyler> Square Account Services​>> Accepting internet and phone orders? Please take a minute to review leading merchant practices when accepting internet and phone orders.> packagingspecialist> MAY 07, 2015 | 04:26PM PDT> The link does not address phone orders or customers that have their card on file with me for all orders. I would appreciate a phone call to address several issues. >>> Sent from my Verizon Wireless 4G LTE smartphone>> ——– Original message ——–From: Square Account Services Date:05/07/2015 2:52 PM (GMT-08:00) To: packagingspecialist@comcast.net Subject: RE: Alert from Square, Inc: Action Required > Hello,>> Thanks for writing in. We understand that it can be frustrating to have your account deactivated.>> ​Unfortunately, due to security reasons and the obligations of our agreements with card networks and other financial institutions, we cannot reverse this decision and are unable to provide additional details.>> We apologize for any inconvenience this may cause, but our decision to deactivate your account is final.>>> Tyler> Square Account Services​> Accepting internet and phone orders? Please take a minute to review leading merchant practices when accepting internet and phone orders.>> packagingspecialist> MAY 07, 2015 | 02:34PM PDT> Original message> Since my account has been deactivated by Square I need a call back so I can figure out who I need to refund and I want an explanation of why I was deactivated.>>> Sent from my Verizon Wireless 4G LTE smartphone>> ——– Original message ——–From: Square Account Services Date:05/06/2015 6:02 PM (GMT-08:00) To: packagingspecialist@comcast.net Subject: Alert from Square, Inc: Action Required > >>> Hello Gary,> To ensure the financial security of both you and your customers, we need to verify some information about your account.> Unfortunately, we cannot deposit funds to your bank account until we verify this information, although you will still be able to accept payments using Square during this period. Our goal is to resume deposits to your bank account as quickly as possible. We’re sorry for any inconvenience this may cause.> If you’re unsure why you received this email, please see this article.> To verify your account, please do the following:> Log in to the Square Dashboard.> Click “Begin verification” next to the alert icon at the top of the page.> Please answer the verification form with as much detail as possible. You can upload documents directly through the questionnaire or fax them to us.> Click “Submit.”> Once you’ve completed the form, you’ll receive an email confirmation and should expect to hear back from us within one to two business days.> If you have questions regarding the form, or are unsure of what documentation to send, please read our list of frequently asked questions. If you still have questions, please call +1-855-700-5000 and have your customer code ready: 5689-6235-7295. We’re available Monday through Friday from 9 a.m. to 5 p.m. Pacific Time.>> We apologize for the inconvenience this may cause. We hope to make this process as easy as possible so you can get back to business.> Thanks in advance for your cooperation.> Square Account Services>>> © 2015 Square, Inc.> For your reference this is Case #: 5070120> [[5d3529c5b4d4c7608929594617fa1812ac6ffac3-437119964]]>> Hello,>> Thanks for writing in. We understand that it can be frustrating to have your account deactivated.>> ​Unfortunately, due to security reasons and the obligations of our agreements with card networks and other financial institutions, we cannot reverse this decision and are unable to provide additional details.>> We apologize for any inconvenience this may cause, but our decision to deactivate your account is final.>> Tyler> Square Account Services​>> Accepting internet and phone orders? Please take a minute to review leading merchant practices when accepting internet and phone orders.> packagingspecialist> MAY 07, 2015 | 02:34PM PDT> Original message> Since my account has been deactivated by Square I need a call back so I can figure out who I need to refund and I want an explanation of why I was deactivated. >>> Sent from my Verizon Wireless 4G LTE smartphone>> ——– Original message ——–From: Square Account Services Date:05/06/2015 6:02 PM (GMT-08:00) To: packagingspecialist@comcast.net Subject: Alert from Square, Inc: Action Required > >>> Hello Gary,> To ensure the financial security of both you and your customers, we need to verify some information about your account.> Unfortunately, we cannot deposit funds to your bank account until we verify this information, although you will still be able to accept payments using Square during this period. Our goal is to resume deposits to your bank account as quickly as possible. We’re sorry for any inconvenience this may cause.> If you’re unsure why you received this email, please see this article.> To verify your account, please do the following:> Log in to the Square Dashboard.> Click “Begin verification” next to the alert icon at the top of the page.> Please answer the verification form with as much detail as possible. You can upload documents directly through the questionnaire or fax them to us.> Click “Submit.”> Once you’ve completed the form, you’ll receive an email confirmation and should expect to hear back from us within one to two business days.> If you have questions regarding the form, or are unsure of what documentation to send, please read our list of frequently asked questions. If you still have questions, please call +1-855-700-5000 and have your customer code ready: 5689-6235-7295. We’re available Monday through Friday from 9 a.m. to 5 p.m. Pacific Time.>> We apologize for the inconvenience this may cause. We hope to make this process as easy as possible so you can get back to business.> Thanks in advance for your cooperation.> Square Account Services>>> © 2015 Square, Inc.> For your reference this is Case #: 5070120> [[5d3529c5b4d4c7608929594617fa1812ac6ffac3-437119964]] — Gary Gaskill943 Enterprises LLCdba 943 Packaging
I feel lucky we have a good relationship with the customer, but still a little worried about it, I feel that I lost my credibility with this customer and might have lost a large account over square shady business practice.
Customer feedback management: Here’s a cool feature. It’s called Square Feedback. This system prompts customers to leave feedback about their experience not on social media, but directly to you. This allows you to manage your reputation, quickly identify problems, and prevent public complaints from surfacing on the web. You also get access to details like purchase history, previous feedback, and average spending, all at no extra charge. You can also issue refunds or coupons from Square Feedback.
The only way you’re going to get lower processing rates and get a comparable suite of features is to open a merchant account. There are a few mobile processors that offer lower rates, but their apps aren’t even close to being as robust as Square’s and you don’t get any of the extra features. Even if you do get a merchant account, you’re going to have to begin a search for a POS that gives you all the features you need, and so on. There’s definitely appeal in a system that will work seamlessly, guaranteed, with minimal effort to set up or maintain.
Because of this, I usually tell people who don’t need all of the bells and whistles that Square offers to check out Flint instead. But for some businesses, Square is absolutely a better option. It comes down to your needs, budget, and the amount of risk you can handle.
For me, Square.com does very, very well with transparency. Everything the company says in its advertising and marketing checks out, and there’s no wacky sales gimmicks or promises of unbeatable rates, free rate reviews, etc. The “free” basic magstripe reader is actually free and you can easily find the price for every aspect of Square’s service on a corresponding web page.
So the best way to add stability to your Square account is simply to use it for a good stretch of time, say six months to a year at least. If nothing goes wrong during that time, the chance of a major issue down the line decreases.
I do about 15,000 a month using Square. We love the interface and the support hasn’t been bad via email. We have never had any transactions held and this is after 10 months worth and 500 of them a month.
“We’ve been using Square Register at our Mountain Winery venue in Saratoga and are excited to roll it out to many of the other larger venues and festivals we serve,” said Ryan Mendez from Best Beverage Catering, a full-service events company. “The buyer-facing display and fast payment offerings have positively changed the food and beverage experience at these shows for both vendors and consumers.”
Ii used my square at a convention,processing numerous charges. I had no Internet so I resigned myself to manual entry. I didn’t know it at the time but square requires you to obtain a zip code as well as the usual info. My question to square was/is…….how can I enter charges without the zip. Is it even possible. Every time I get a generic answer telling me what I already know, that I need a zip code. POS company.
We had been doing business with Squaretrade for about 3 years. Had no problems with themtaking pymts and no problems getting our funds deposited into our account.They had been sending us emails telling us we may qualify for a loan up to a particular amountbased on our credit card monthly processing. We ignored the emails for 6 months or so and decidedto apply. I mean the payback is deducted from your credit card monthly processing and we thought would be a good way of getting some immediate cash. Well they turned us down. About three days later we get an email from them telling us they haveterminated our account with them, and we can no longer process credit card payments immediately! Luckily we had no outstanding business for them to hold, like I see from many other comments here, but it left us scrambling for a credit card processor. We processed any where from $ 5,000 a month to $ 28,000 a month. They didn’t even give us a reason other than to refer to article # 6 in our agreement, which is so vague, we still don’t know or understand. Plus you can’t talk to anyone without emailing, then getting a code from them, which we also had issues with the codes to communicate.Our last email from the basically said their decision was final.Poor way to conduct business, at least give us a 30 day notice to give us time to get anotherprocessor in place. Made us look questionable to our customers when we had to hold credit card pymts, or ask for other forms of pymt they weren’t accustomed to.Again, I’m glad we lost no money, or had funds held like others here. I continue to be puzzled bytheir decision because we never had ANY issues, until we responded to their loan application.
Credit Card transactions over the phone are one of the more risky ways to accept credit cards. However, it really depends on the company you choose to process your mobile transactions and their security measures. Make sure that you do your research and compare to the PCI Security Standards before you choose. Some processors charge a monthly PCI fee to assist you with becoming compliant and offer $50k to $100k indemnification… which helps protect your business in the unfortunate event of a breach.
Payment Processing: This is the core of what Square does. Since you can’t get any of Square’s other features without also agreeing to process credit card transactions through them, it’s not right to just gloss over it. Square has, since its inception, grown from just a mobile POS to a payments system that also supports invoicing and e-commerce (a feature it is now improving on steadily). Check out the specifics of processing costs in the “Fees and Rates” section below. However, there’s one payment-related feature I want to point out:
Yep! Square loses money on many transaction scenarios, including about 100% of American Express transactions, since retail AMEX transactions are 2.89% + $0.10. Small transactions are particularly troublesome, since no per-transaction/authorization fees are charged for card-present with Square. Square’s overall profitability is a popular area of speculation.
We can create custom pricing packages for some businesses that process more than $250K in credit card sales and have an average ticket size over $15. If that’s you, get in touch—we’ll even review your current statement with you. An average ticket size under $15 is unlikely to qualify for a custom rate.
“>Learn More.

I’m sorry to hear about the trouble you’ve had, but I can assure you that Square is in no way affiliated with Leaders Merchant Services. In fact, the Square reader is only compatible with Square’s proprietary processing service, which has no monthly/annual fees and can indeed be canceled at any time. Please feel free to email me at tom@merchantmaverick.com if I can help you to choose a different processor.
The company at least seems to be addressing complaints about customer service on its social media channels, and not just the @SqSupport Twitter channel. You can message the Facebook page directly if you need help. All of its social media channels are active, with a good mix of important news, helpful blog posts, and funny content. This is absolutely essential, and I like that Square is addressing a really broad range of merchants and their needs. I personally know lots of artists who rely on the service, and quite a few local restaurants. But there are many, many others who do, and all of them have unique needs and preferences.
Take a look at our other POS reviews if you haven’t already, along with some of our other POS-related resources, and please email me if I can be of any help. I’d also be glad to forward you to someone else from Merchant Maverick who is more of an expert in POS options.
I’d recommend you check out our Mobile Payments comparison chart to see the best options out there. Many of them offer phone-based customer service and no monthly fees. Square may be the most popular provider, but that definitely doesn’t make them the best! Thanks for reading.
Rude, rude, rude & unprofessional!! Spent 21 minutes on hold only to have the customer service representative hang up on me when I asked to speak to a supervisor! Called back only to spend 32 minutes on hold for a supervisor. He was rude & offered no apologies for the long hold times or being hung up on. Then to top it off I got an email a few hours later stating that my funds would not be released until the account was verified! The account had previously been verified! Really suspicious especially after calling a few hours before to complain… So I jump through all their hoops AGAINZ to be told that my funds would not be released for at least three days. In the meantime my husband has been stranded halfway across the country for 2 days now with no money for food, gas, or hotels! These people hold your funds hostage after charging a huge processing fee! STAY AWAY FROM THIS COMPANY IT IS A SCAM & THE WILL HOLD YOUR MONEY HOSTAGE!!!
Inexpensive: I know I just said some merchants are wishing the fees were lower. That’s true, but plenty of other merchants like the costs. Because Square does not charge a per-transaction fee on swiped transactions, low-ticket businesses stand to save a significant percentage. This is because a $0.10 transaction fee on a $5 ticket is actually 2% added on. When you look at it that way, the 2.75% flat rate starts to look really good. Also, many American Express transactions are actually processed below cost by Square, which might not be sustainable long-term but is great for businesses that process a lot of Amex cards. Even add-on services that cost a monthly fee are comparable to third-party options. Not only that, but Square’s EMV readers are the most inexpensive options available — $29 for an EMV-only reader, and $49 for an EMV/NFC-enabled device. You pay nothing extra for a full-fledged virtual terminal, recurring billing, or a customer database and PCI compliant card vault to store card numbers.

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