I am starting a small online shoe business and I am trying to find the best route to take in finding a merchant to process credit card payments as most people use credit cards when buying online. I was told about paypal and now square up. Could you tell me what you would recommend?
Therefore, I am considering square. My biggest downfall with square is the majority of my credit card transactions are keyed-in/manually entered. I process deposits and payments from clients usually over the phone. Square charges charges 3.5% + $.15 per transaction on manually entered transactions.
That’s not to say there aren’t issues. Square cannot offer flawless account stability as a result of its aggregating. Please remember that Square is not for everyone, despite the company accepting virtually anyone who applies for an account. There’s a long list of prohibited businesses, including “high-risk” products and services. If you fall into this category, you are better off with a merchant account.
To edit your item grid on the fly, hold your finger on a tile until you’re in Edit Mode. Then add new items or arrange your items any way you want. You can create or edit items, categories, modifiers, discounts, and gift cards here in your item library. Change prices, add variant price points for different sizes, and charge tax for the item. Or don’t. If you’re editing many items, it will be easier to log in to your Square Dashboard on your computer.
—Have a screen where I, the merchant, can set up what my shopping cart/checkout screen will look like for the customer. Also, since this is an online business, make it so that my street address does not appear.
I started looking at Square because I am in the process of starting an equipment rental business. My issue is that most of these most of these mobile payment systems seem to by simple point of sale systems.
If it sounds too good… A company that collects the funds from the card companies, but fails to send them on to the intended recipients for days or weeks… Hmmm, I wonder what they could be doing with your funds. Perhaps making a profit with your money as your business languishes. I had a couple of high dollar transactions and I can’t get my money. They no longer have a phone service number, so I am completely at their mercy.Being a legitimate business I prefer to do business with other, legitimate companies. In my mind Square has unethical business practices, poorly disclosed policies that financially benefit them to your detriment. As soon as I get paid, if I get paid, I am ending my relationship with them. I would encourage others to not to get sucked into this honey trap.
Square launched in 2009 with the goal of letting anyone with a mobile device process credit card payments. The payments method has become especially popular among small businesses like food trucks and boutique coffee shops. About 2 million merchants currently use Square.

I just had the most unpleasant experience with Square. I charged an amount totaled $3100 to a customer for sale of equipment on 11/11/2015. They started by asking me to fill out a verification form and provide them with an Invoice, my ID and 3 bank statements which I did immediately. I get an email back asking me to provide more information about my relationship with the customer, which I found pretty strange, but yet, I provided them with that. Today 11/16 and after 6 days of holding my funds, they decided to reject my transactions and asked me to refund the money to the customer. The reason they say is that I am violating the terms of service agreement. here is the email I received “Under our Terms of Service, you cannot process prepaid cards, gift cards, or your own credit card using your Square account. The Square Terms of Service also prohibit using Square as a money transfer system. You must provide a legitimate good or service in exchange for every payment processed with Square.” ,So I read the terms of service agreement section by section and did not find that my transactions violate any of the sections in the agreement. My sale was for equipment and an invoice was provided. I did not charge a gift card, prepaid card, nor it was my own credit card!!! and definitely that was not a money transfer!!! Asked to speak to a manager, they refused!!
Thought a star was necessary post a review. When a company doing your processing can shut you down at midnight with no warning and you need to open in 9 hours without a CC processor you’re basically out of business or you open “cash only”, not a good look. We heard SQ was shutting down Vape shops and called twice to make sure we were in compliance and was assured we had nothing to worry about. We do not sell on line nor do we sell CBD and as stated above SQ does not give you a reason for termination. In any case when a company has the power to shut you down with no warning it’s a power I would never give any processor. third party or not. So if you’re considering SQ and all the great options they provide take in consideration you may wake up in the morning with no way to process CC’s.
So the question is there a better solution for this online pickup AND delivery order option that ties directly to the POS while still keeping low fees? This is an issue as it accounts for 20% of our orders and growing.
The problem is really just merchants whose accounts are terminated — they’re (understandably) upset and wanting answers. But Square won’t give them. I’m not sure the company can; surely the customer support reps can’t. But it’s worth noting that this is definitely one of the biggest complaints about Square’s customer support.
You can now see the number of loyalty stars earned in a transaction. Go to Transactions and tap on a sale to see details like the number of stars earned, whether or not a customer is enrolled in your loyalty program, and more.
the only way to get your money back sooner is to file a dispute with the BBB. check out their complaint section. you will see square refunding those who they steal and hold money from. sometimes you have to take it to another level since square is too incompetent
You can Contact Square by phone and ask them. They will be more than happy to answer your question. Just ask them if you can continue using the POS system if you ever cancel your account. I do not believe you can because it is integrated into the Square system through their API and if you cancel your account you will no longer have access to that API or their database but that is definitely a question for them.
What a piece of crap company!!!!! We do high purchases. They ask for information to verify the transactions. I give it to them, than they cancel our account and hold our funds for 90 days!!!! We have been in business for 35 years and have never had any issues with any merchant processor. Everything was fine with square unit we started doing our major transactions. This company is a scam!!!!!
More specifically, Dorsey said the Register solves a big pain point by coming with separate screens for the buyer and seller. The Square team thought it was “clever” to design the Stand to swivel back-and-forth (“and it is quite clever”), but larger sellers wanted separate displays, allowing the customer to see each product as they’re being rung up.
Square’s EMV readers are cheaper than any terminal and just about any other EMV reader on the market (especially EMV/NFC capable readers). The POS app is free. The virtual terminal is free. The processing rates are exactly on par with the majority of pay-as-you-go mobile processors and can beat some interchange-plus plans. The costs for the add-on services are absolutely competitive, too.
Been using them for 5 years for my business with over 300K in transactions. No issues. Fast calls, responses and emails.They aren’t perfect, but trust me, there are far far worst credit processing companies out there and this is among the good ones. Fraud. If you get a fraudulent transaction, there are no companies which will just be on your side. It all requires a lot of “detective” work. Since they are just a processing company, they just do what Credit card companies do. If someone files for a chargeback, they just have to give in. There’s very little protection from ANY processing companies.
It’s also worth noting that you’ll find 2,278 complaints on RipOff Report. However, a good share of these will be duplicates of other comments on the web. Others won’t relate to Square at all — such as apartment complexes with “Square” in the name, or the third-party warranty company SquareTrade. (This was a benefit of the old “SquareUp” and “Squareup.com” titles for the company.) And plenty others are from consumers complaining about merchants they believe have scammed them. So the number of complaints is heavily inflated on the site and not an accurate reflection of the problems.
One other issue with Square’s “We won’t tell you where you screwed up” policy is that their legal page is amazingly long and complicated, and leaves several areas either open to interpretation (by Square) or nearly contradictory. For example, you cannot use the service for a variety of products or services that Square does not like, even if they are legal in your area, if they might be illegal at a Federal level (medical marijuana comes to mind.) In addition, for firms where the client deposits fees that are paid to a third party (court fees, government fees, etc.) the firm may be exposed to a setoff or chargeback with very little time to respond. (Cf. “15b. Right of Setoff
My daughter set up Square early in the year as an easy way to process pmts doing farmers markets and shows. The payments were small and were processed immediately. Our biggest season is during the holidays and we handle large volumes of money via credit cards through our customers out of state and therefore their cards are not present for processing. We didn’t run into problems until we started collecting invoices for over $2000 at a time and more than one in one week. Now they are holding over $17K and telling us we have to wait 30 days to get the money. We have suppliers who need to be paid now not 30 days from now and we don’t have the money to pay them because Square is holding it and won’t release. We gave them copies of invoices, bank statements and everything they needed to make sure we were a legitimate business and not just running cards manually to steal. Not being able to find a telephone number to call and speak with someone is totally frustrating and now after reading all the other complaints, I wish we had never signed up for Square. In order to keep the business afloat, I now have to figure out a way to find the $17K that Square is holding so I can pay my suppliers and stay in business til Square releases the money. Square really is a sham and thief. Now that I know where they are located out of, we will be contacting our States Atty General and the California Attorney General as well as anyone else I can get a hold of. You can’t trust anyone any more!!
Well written article. I only found it because I was looking into other’s experience with squareup.com customer service. In few years or more I’ve been using them it’s been easy. I had a question and decided to call.
Accept credit card payments and run your business anywhere it takes you with Square Register. Process Visa, MasterCard, Discover and American Express, pay just 2.75% per swipe, and access your funds in 1-2 business days. No monthly fees, commitments, or surprises.
“The strategy is to bring [all] business needs to one place,” Jesse Dorogusker, Square’s head of hardware, told CNN Tech. “The hardware, the software with no additional third-party tablets … it’s all from Square, it’s all out of the box [and] as integrated as possible.”
my experience with square is a nightmare as well I run a small company along with m hair salon and selling hair weaves and products and they are reserving my funds saying the transactions are to close together im getting My lawyers involved
Credit card processing is traditionally thought of as an at-the-counter transaction, where a merchant takes hold of a person’s credit card and swipes it at the register. The problem with this setup is that mobile merchants (those who rarely hang out…
Nothing could be worse than Square. Very often — like over half the time — Square reports that I’ve received a payment and then, a few days later, refunds the money to the sender because “there was a problem” — with no explanation of what the problem is. I know it’s not lack of funds, because I’ve tried making payments to myself from accounts that I know are good, and the same thing happens. It is impossible to get any kind of explanation from Square about why some payments survive and others are reversed. Meanwhile, I am in the position of telling people I’ve received their money — and then, two days later, having to ask them to try paying again. The frustration I’ve experienced, and the incredible amount of time I’ve been forced to waste, and Square’s total non-responsiveness, add up to the strongest possible recommendation to stay as far away from these people as you possibly can.
Absolutely worst customer support, if you can even say they have customer support. As mentioned in the article, you have to have a customer code to get access to a human, otherwise the automated system will disconnect the call. If you don’t have it written down, and you have a login problem, forget getting any phone support. They will also conveniently disable your customer code in certain situations so they do not have to talk with you. I’ve had 2 significant issues with them over the last two years that left the company in a bind. I’ve also had funds sit for over 4 weeks waiting for deposit with real no explanation on why. Happy to no longer be relying on them for credit card services. Do not recommend.
I operate a small catering company. I have been processing all of my credit card transactions through Sams Club Merchant Credit Card Processing/First Data. However, I am fed up with all of the interchange fees! Some months my interchange fees are 3x the amount of my regular processing fees. When I process clients credit cards; I never know what fees to expect the following month because they could be using a reward credit card, corporate card, government credit card, etc.
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