“Square Credit Card Review Summary”

Shopify’s entry-level plan, Shopify Lite, gives you a full-featured mobile POS, sales and inventory management tools, shipping functions, several online selling options, and a Facebook shop integration, all for just $9/month. Plus, you can sign up and start accepting credit cards in minutes, get a free mobile reader, and enjoy competitive rates with no startup or cancellation fees.
They can, depending on certain factors, but so can other merchant services. Generally, this happens with charges that are out of your normal charge range. If you regularly charge these amounts, you shouldn’t have issues, but there’s no guarantee since there are many factors that come into play in credit card processing. If that’s a concern, getting a merchant account through your bank might be the better solution, or with a provider like Cayan. That gives you a direct relationship and someone to call that knows your account. Plus, with those types of merchant accounts, you can use Lightspeed POS which is a great POS for a repair shop (my husband’s motorcycle dealership has used it for ages), and it includes a mobile POS and payment system. It connects to parts houses to make parts lookup and ordering a snap, shop management features and lots more. I hope this answered your question!
@Wayne Guy: The common thread here is that everyone IS trying to “learn their peculiar protocols.” If they put everything out front in large type, their wouldn’t be much to learn, peculiar or otherwise. I don’t think anyone has accused them of being more problem prone than other processors—it’s just that there is no chance at a meaningful conversation to resolve an issue when it arises. (24-hr email response time in 2012 is akin to carrier pigeons.)
They, of course, have the paid survey points that you earn when you are eligible for completing a survey that matches your demographic criteria, but they also have sweepstakes every once and a while with which you can win up to $100,000 just for joining the survey panel.
Square is a complete disaster and a rip-off. You would think that a guy who has a net worth of over a BILLION dollars would take the time to ensure that his customers can call a real human for assistance with a problem. Apparently Dorsey is too busy reinventing his bank account (and stealing money from me) to take the time to ensure that the people who make this jerk rich are happy.
To compare, 2.75 percent of $21,000 is $577.50, which is $302.50 higher than the old monthly fee. If you can swipe all the transactions, then the only way to keep your fees with Square under that $275 number is to process no more than $10,000 in monthly transactions. Not exactly a smart goal for an entrepreneur.
Square is horrible. Not only would they not process a bill from my customer, it tool a week to resolve and the resolution was not to process. It took a week for the refund to transfer back to my customer. I refilled for the amount limit they suggested and they refused that due to frequency of billing. Under 90 days. Wtf…
I am thoroughly frustrated with this company. They are holding $3000 of my money and I am unable to get anywhere with them. I have left many messages via e-mail and phone to no avail. I would like to get in contact with anyone from California so we can take our complaints to the state attorney general. In addition, we can also contact ABC’s 7 on your side. I’m sure they will love the story. I can be reached via e-mail at [email protected].
For a one person business that only does sporadic transactions it’s fantastic. They’ve never withheld a transaction, but then I’ve never charged more than about $200 at a time. Considering how inexpensive it can be, and how much they’ve done to break open the industry, I’m glad to have them.
“We took a lot of time to look for a great POS partner. First and foremost, what’s important is how to deliver the best customer experience,” he said. “We wanted a partner that was customer focused and simple. We wanted a partner that was innovative and forward-thinking, but what we found with our analysis was that there wasn’t a perfect solution. However, with Square it was really special and unique because it was on an iPad and the interface was magical. The way [Square] is thinking is much different than any other POS player. They want to make commerce great.”
When joy and dread meet, the third stage – confusion – is born. Now the business owner has absolutely no idea what to do. Square seems so uniquely perfect and such a great value, but is it worth the risk? Is Square really stealing money from unsuspecting business owners? Can the company be trusted?
I have provided them with the requested documentation several times over the past month. I still have not received the remaining $2000.00 of my funds. This is THEFT. I WILL SEE HOW FAST THEY RESPOND TO THE FEDERAL AUTHORITIES.
My experience with Square was great for the first week. I signed up on the advice of a client (I’m a photographer), and because I had a trade show coming up, I went out and bought two swipers from a Best Buy (the free one Square sends wouldn’t get here in time for the show). I wasn’t sure what to expect for the show, so I wanted to be prepared. Until then, I’d manually entered three different transactions and all were deposited the next morning into my checking account.
It would be interesting if there was data about how merchant’s actually found out about Square in the first place but if I had to guess, I would assume that it was driven by either their customers or friends who had experienced Square somewhere else telling them about it.
Any customer can say a payment was made in duplicate and take the funds back. I was called into a computer repair shop to work on computers the “Tech” knew nothing about. I performed the work on his customers computers. I usually take cash but let him pay with square since he claimed to have none on hand.
I have had this same problem…chargeback, contacted customer, she reversed it the next week. This was in mid April, but the original transaction happened in mid February. She told me that she had taken care of it, and I waited awhile, thinking that it took two months for chargeback to happen, so it might take a little time for the refund, although Square assured me they were fighting for me. Right. So, I contacted them last week, and got a reply that the case was resolved in favor of the customer and the case was closed. I told them that the money had been released by Discover Card back to them. After several back and forth emails with pretty much the same answer from them, I was told that I would need a copy of the official letter (in PDF or JPG…really??). So, I obtained a copy which clearly states that the amount was once again charged to the customer’s account, converted it to the format requested, and emailed it all back. Today I received the standard reply, that the case was closed in favor of the customer. They keep telling me I need to contact the customer directly, which of course I have…where the hell do they think I got the document? This is the most frustrating thing I have dealt with in quite awhile. I called the company number, which directs you to their website, where they will gladly take care of my needs. This is not a huge amount, but it is now just the principle and I will keep after them. After reading many of these posts I am feeling fortunate that it isn’t more…I can only imagine what a nightmare it is for some of them.
And if that’s not enough, Miller believes that a significant challenge to Square will be its ability to take on all merchant verticals, as it may not be possible to create something that will appeal to everyone. Right now its biggest industries are retail, service, and food. Other important industries in the space include repair and leisure contractors, health and beauty services, charities and education, and transportation. As Square goes public, will it continue to in order to reach newer audiences? Would a more open ecosystem fare better than a closed one?
When the company first began, standard merchant accounts were a chore to open and maintain. Contracts would last for years, come with early cancellation fees, and would not be nearly as transparent as necessary to instill trust in account holders. Today, however, the game has changed, yet again. Merchant account providers have now stepped up and are in strong competition with service providers like Square.
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.
Subscribed to squareup. Used it once! Would not scan customers card, so had to enter number manually, which takes time, aggravates the customer, and nets squareup bigger fees. Bought another scanner, same problem. There is NO customer service. Cannot resolve problem, company is unresponsive and many, many unhappy customers out there. Is this any way to run a financial services company?
To add to what I said earlier about Square, I just received an email from square about a chargeback on SOMEONE ELSE’S ACCOUNT. Not even my information, my name, nothing! So they are ramdomly emailing out account information about someone else to people. The person had the same last name as I do, but not the first. This is exactly what I mean. They do not know what they are doing. And they are holding my money (AGAIN) for no reason.
Business Identity Fraud using the Sqaure App and I can’t get any answers from Sqaure. Apparently, someone had used my business name to set up a fraudulent square account and was able to bill someone’s credit card for fake services. I had a man show up at my door (since Square lists my address and gives a map detail) demanding answers how I was able to illegally charge his credit card, I have been emailing Square for the past several days only to get a few replies thanking me for my email. I have asked repeatedly to speak to someone over the phone and have been denied. They also told me there are not at liberty to discuss due to privacy rules.
Because it was going to take 1 to 3 days, we freaked out and tried to contact them directly. As mentioned in the review, they have no customer service number where you can actually talk to someone. All they have is a number with an automated message telling you to contact their customer service email and you’ll receive an email back within a “prompt” 24 HOURS!!
My Dealings With Square Support. Start From Bottom To Top.Unfortunately our return and refund policy are aligned with VISA’s return and refund policy. Which is any return or refund is to be credited back to it’s original form of payment. I’m unable to issue a return or a refund to a customer who’s payment is not in my possession. Simply put, I can’t return something I don’t have. I do not want those funds to be deposited into my account, because those funds do not belong to me, they belong to my customer. So if you are unable to provide me with a reason to relay back to my customer to excuse you from your choice of response, then I will be withdrawing my involvement in this transaction. I will inform my customer it is no longer in my hands and will be providing my customer your company’s name Square Inc, so that this dispute may be resolved directly between the involved parties; my client and Square Inc. My client will be contacting you directly and your failure to respond or resolve this matter may or may not result in law enforcement recovering missing/stolen funds.By the way, you should not assume that people will understand your intention to retain funds, or refusal to return funds for the reason of being unable to. It is an unprofessional response, not to mention your failure to provide a viable solution to resolve a problem that’s a direct result of your dysfunction.Sent from my iPadOn Jan 23, 2014, at 10:34 AM, Square Support Team wrote:Hi Thuan,Thanks for writing back. We are unable to process this refund, and the funds currently in your account will be held for 90 days before being released to your linked bank account.If you are able, you may refund your customer outside of Square and then receive the funds in 90 days. Alternatively, you may wait 90 days to receive the deposit.Thank you for understanding.CrystalSquare Account ServicesAccepting internet and phone orders? Please take a minute to review leading merchant practices when accepting internet and phone orders.thuanqyenJAN 23, 2014 | 06:18PM PSTThat’s hilarious. What is square doing hiring high schoolers? Jesus, that’s okay, I’ll give you another chance, here’s a hint: please refer to the original inquiry at the bottom of the e-mail, and for one million dollars… Is that your final answer?Whatever your answer is I would like to take a moment to educate you by providing you an example you can relate to. So Olivia, you owe your friend Griffin money, your too busy so you ask your other friend Dawn to help you return the money. Along the way, Dawn decides she has more important things to do and runs her own errands and forgets about returning your money to Griffin for you. Griffin finally calls you and asks when you will paying him back, You tell him not to worry and that Dawn should be arriving shortly to pay him back on your behalf. The next day you meetup with Dawn and she totally forgot to complete your errand. You ask her if she has returned the money to Griffin for you and she replies oh noooo I was unable to because you didn’t give me enough money to pay him back completely so I didn’t meet him up. Then Dawn tops that off with a, you should probably pay him back yourself with your money and walks off minding her own business without returning the money to you. So Olivia, what would you do in this situation? Obviously you can’t pay Griffin back the money that’s in Dawn’s possession can you?Ordinary Guy,ThuanHello,Thanks for writing in. I took a look at your account and see that we were unable to process this refund due to insufficient funds in your linked bank account.If you would still like to refund this payment, you must do so via an alternate payment method, such as cash or check. If you issue a refund outside of Square, we recommend providing your customer a receipt and keeping a copy for your records.Please let me know if you have additional questions.OliviaSquare Account ServicesAccepting internet and phone orders? Please take a minute to review leading merchant practices when accepting internet and phone orders.Hello,Thanks for writing in. I’ve gone ahead and forwarded your email to our Support team. A team member will reach out to you shortly.Thanks for your patience.RoxieSquare Account ServicesAccepting internet and phone orders? Please take a minute to review leading merchant practices when accepting internet and phone orders.thuanqyenJAN 22, 2014 | 02:24AM PST Original messageHi just to make sure I prevent you from successfully stealing my customers money, I’ve been informed that I must notify you of any situation changes and in the event you do not return my clients money would you please provide some sort of reason my client needs to initiate a chargeback and is unable to recover their fundsFor your reference this is Case #: 2659903
Ridiculous!!! Even if you call the customer service line they ask you to enter a form # that they claim is at the bottom of your Alert To Action email, but there is no # there so you just get hung up on. They are holding $822.00 of my money because I entered the same credit card # two times in a two week period. Like they can’t imagine a small business owner might have some regular clients that are constantly ordering jobs from you and just might pay you more than once for different orders. I have no idea when they are going to release my money, but after reading some of the other comments something is making me think my money is gone for good.
My apologies for the delay. I would encourage you to open a merchant account rather than use Square. While Square has the benefit of no monthly fee, I would be very concerned about the possibility of issues with large, sporadic transactions.
Sorry, I should clarify that when I say “failed” I mean that we were not even able to attempt the charge, due to a connection issue or some other interruption. So that’s correct that failed payments wouldn’t be on the report, as they would never have reached our servers. (That’s where the specific error message would be helpful!) 
Tucked away in sort of an alley is a hidden gem of assistance called the Ticket Office. The Mrs. just purchased a special Magic Band and we needed to activate it to her account. No problem for these folks. Took immediate care of it and…More
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 deposites 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!!
Square boasts some of the best setup and service terms of any of the mobile processors we reviewed. It received 100 percent on our ease of application score for allowing you to sign up online with minimal requirements, which makes it easy and fast for small businesses, including sole proprietors, to sign up.
If you’re willing to pay a bit extra, there are even more great things in store for you. For instance, you’ll find a very reasonably priced gift card solution, a solid booking system, customizable loyalty programs, and an absolutely gorgeous new register with a customer-facing display.
Pay pal is located in my hometown Omaha, NE 1-402-935-2050, or 1-888-221-1161. I never really had a problem with getting a hold of anyone, however, I am so glad I love to read. I was going to get the pay pal here, but I will be doing direct on the spot sales, so I really can’t and won’t wait forever to get my money, you get your goods, I get my money real simple, they will know as soon as they see the product if they want to buy it, so what do you do in this situation?

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