“Square Credit Card System Online”

I see I found this page a bit too late, like most of you. I’m waiting on 2 customer refunds I processed on September 19th. Over 1 month, multiple email and being hung up on by there voicemail system, I still have no refund. Do not use these guys if you are here considering them. Without a customer service to talk to how can they truly be taken seriously. Looks appealing but you will certainly pay for it in the end.
I did business with square for a little over a year. Then I started having issues some issues with “charge backs”. I was told that for my business it would be better to do an invoice and allow the customer(s) to pay their own invoices instead of keying in the card information (not in person). I did as I was instructed. For a while (6 months), it worked fine. Supposedly, a client waited 36 days to decide that they didn’t make the purchase. I tried contacting the customer to see if there was a problem. The customer would not respond to my emails. Square deducted the money and stated that I needed to provide information/documents regarding the purchase. I did exactly as I requested. First they told me the case had been decided in my favor (based on the information I provided). Then a week before they were to release the funds back to me, I received an email stating the customer had re-contested the funds. The bank decided in the customers favor and square locked down my account. I can’t get to any of the information. I’m out $1,085.00. You are gambling with the funds if you trust square to honor you as a business owner.
Report it to the California Attorney General and then email Square and tell them about it. If they don’t respond, send them a certified letter telling them that you reported them. WOrked for me…and the SAG needs to know what they are doing. It’s theft.
square has held nearly $2k undeposited for nearly 4 weeks.. I cannot get any help.. I leave emails, I have tried to call that 888 number.. NOTHING.. Who can this company be reported to? Do we have to spend money to sue to get OUR OWN money deposited? I dont know what to do… Besides never use square again!
Are there financial problems with Square? Something is going on with Square and we make talk to the proper authorities with the Federal Trade Commission & FDIC that oversee Square’s finacial operations.
I had a problem with WiFi connections reading from Ipad & iphone, but when i disabled the Wifi and went with the 3G only, problems were eliminated … haven’t had one not readable swipe. It may have to do with the type of network wifi is trying to use.
Sorry you had to find out the hard way. I hear this all the time as businesses grow out of the CC processing model that was originally used for convenience or low cost that has turned into stopping your business and chasing funds. Square or even Paypal comes in handy or makes sense in my opinion when you are brand new before starting your business where you are processing less than $1500 per month or a situation where you need to process CC’s every other month. Sounds like it’s time to get a real merchant account in your companies name and start building your business credit if you’re ready for the next step. We offer similar portals online as well as smart phone accessories that work in the same fashion as Square or Paypal regardless of the smart device.
Square also offers a virtual terminal, which allows you to handkey credit card information into a secure form on your website. The virtual terminal has higher pricing than swiping or ecommerce, and will cost you 3.5% + 15 cents per transaction. 
There are a number of ways that you can communicate with Square to get support. There’s email support, an active community forum, a wide range of video tutorials and a blog. One of the ways Square has revolutionized customer self-service in recent times is through creating a very extensive self-service customer support knowledge base. This answers just about any query you made have.
If you charge approximately $10k per month in mobile or combined mobile, in-store, and online sales, you can save quite a bit in processing fees with this type of account. You can see this in the following comparison between Cayan’s rates and Square’s flat-fee structure.
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.
On February 17, 2016 BBB was notified that consumers are receiving emails from Square Up notifying consumers of pending actions against their bank accounts. BBB reached out to Square and was notified that this is a Phishing Scam. The company request that consumers who receive this email report the incident to them via email: spoof@squareup.com BBB suggest that consumers not reply to the message or give out personal or sensitive information. D Read More
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I thought square would be a good product how ever if you have problems there is no one to talk to help. They are quick to get the money but hard to reach. We have emailed and even changed accounts thinking there is a problem. I guess the take the money and run
The very same thing happened to me. I am so pissed off cause I really did like a lot of the functionality, payments when I want them if earlier than they are scheduled to be released. Complete crap to cut my throat like that. Now I am off to the BBB to file my complaint. You should do the same.
One major caveat is that Square does not provide a customer support phone number until you sign up. I know, it’s a little weird. But the company doesn’t seem to want to encourage phone calls, and makes it very difficult to reach anyone by phone. It’s a common complaint from customers. Square says that current customers can get a code that will enable them to contact Square by phone, but the extra hoops can be annoying.
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.
Unlike eBay, Amazon, Etsy and other online marketplaces, the Square Market site has no search functionality. If a customer goes to squareup.com/market, they can browse by category (e.g. home, art & design, tech, fashion…) but it is not possible to search for a specific item, brand or business name. This means that it is solely up to the business owner to promote their store.
I have only had square for 1 month but already it is by far the worst product available. When I first logged on and swiped a card I thought it was amazing; with reports, summaries etc. The fees are unbeatable and so is the fact I can charge a card anywhere.
I have been using Square for appx two months. I’ve had no problems what so ever. My transactions are small amounts usually 25.00 or less, I have a small store. I never key in cards. I think these are the two many problems that I’m reading from other comments. The transactions are each sent to my email with a running total for the day and then the next day the money is deposited. I never had them take more than the 2.75%. So people with small transactions like flee markets, cabbies, small stores this will work for. This has saved me 1.25 percent over what I was paying and for a small business that can add up to a lot.
Hello all, Carl again. I’m on my second swiper, the first I lost due to an unfortunate mistake on my part. I went to Walmart got another one. I drive a taxi, don’t have the high volume swipes I hear about in the trade shows but I due use the swiper often. I’ve never had a problem unless something was wrong with the persons card, swipes up or sideways both swiper always worked anywhere in and around the city I work at my phone gets service. I use a straight talk android, the only place I can’t get service is the area around the airport about 15 miles outside the so I swipe before I go there. Been using Square over a month now, no problems to report and still, two thumbs up for an awesome system. Where you can use square, your sales will rise.
This company is horrible and I would say borderline fraud! My first transaction was for $7600. The reader did not work on my Android although the company advertises that it does! I was forced to make a manual transaction and key in the information. After I left, I tried to contact customer service and found they don’t have a phone number. I went through ther troubleshooting and discovered that my phone doesn’t work with Square! The reader was not compatible with my phone jack. Then I discovered that the manual transaction cost me 3.5%!! I immediately emailed the company. No one has contacted me yet. But to my horror today when I went to call the company, I found out that they are holding the funds for one month! DON”T DO BUSINESS WITH THIS COMPANY!!!! They will take your money and run!
I Don’t make much money at my business so far, but what little I make square takes it !!!! On 8/16/13 square kept 115.43 (which is in my history account) they said they sent but they never did!!! Today I found out they are only sending me the money I collected Saturday But they kept the money I collected Friday!!! THIS is CHUMP Change compared to the other comments!!!!THEY ARE DETROYING a potentially great business ( SQUARE) OVER CHUMP CHANGE?????
Square Is the worst merchant credit card company ever. After using them for five years just a few days ago I had a Platinum wedding package and charged the client $7644 which she paid with her credit card, the following day I got an email from square stating my funds were on hold and that they cant deposit it in my account until further verification. So they requested Invoices, Bank statements, business license, tax id and a few more things. I supplied them with all this info but blacked out anything on my bank statements that was nothing of there business which were Balances deposits, withdrawals. The following morning they sent an email stating they the transactions of the bank if not for me to do a return of the money to my client. My financial information is none of there business dont know why i changed over from Bank of America merchant to Square. I guess some things are to god to be true.
The main con is that Square’s transaction fees are very high compared to a traditional merchant processing company. You just have to remember that you are paying for convenience and ease-of-use. One trick is to contact square (after having a few months of transaction data) and ask them to lower your rate.
I’m agree….. Iown a Plastic surgery practice in L.A…Square have our $10K funds in hold for 90 days and on top of that they cancel our account after 3 times verification process. Nice company to deal with!! Shame on them
You will never get the same level of service from a company like Square as you will with a traditional merchant account. Merchant account providers typically offer you a dedicated account manager who can address problems you’re having and provide support as needed. Square’s customer service has improved significantly over the past few years (originally the company didn’t even offer phone support), but it still can’t come close to the kind of care and concern you’ll get from the best merchant account providers.
The burden of proof lies on the merchant with chargebacks. If you can prove that you sold the product as is, which may be hard if you are doing internet sales and not meeting the people you (in your described situation) should be ok.
If there is additional information about your transactions or your business that you would like us to take into consideration of an early funds release or a full reactivation of your account, please submit that information here. Our Account Services team will review your request and you should receive a response within 2 – 3 business days.
If you do not want to wait 90 days to receive these funds, you may consider refunding the payments back to the original cards and seek an alternate form of payment. To learn more about processing a refund, please see: How to refund a payment. Thank you for understanding. Square Account Services.
My experience w/Square is incredibly frustrating. Although I read many negative reviews, I still signed up as it was easy. I now regret that decision. My transactions occurred on April 21 and 23 and as of May 5th – twelve to fourteen days later – I have not been paid yet. They keep saying payment is tomorrow, but still nothing. It seems pretty chaotic over at Square.

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