Square
Reviews and Complaints

and they do not care about their customers or their businesses. I would not recommend using Square for any transactions, no matter how small or urgent they may seem.

I had heard about Square before and thought it was a great idea- a simple and easy way to process credit card payments without the need for a traditional merchant account. However, my experience with them has been nothing short of a nightmare. As a small business owner, I rely on timely payments to keep my company afloat. Square's hold on my funds has caused me significant financial stress and has put my business in jeopardy.

Their customer service is non-existent, and their automated system is frustrating to navigate. I understand the need for security measures, but Square's process is overly complicated and time-consuming. It took me several attempts to provide all the necessary information, and even then, they still denied my account. I was left with no explanation and no recourse.

The fact that they are holding my funds for an extended period of time is unacceptable. I have bills to pay and employees to compensate. The situation with the laborer was terrifying and could have been avoided if I had access to my funds. I had to resort to paying him out of pocket, which was a significant financial burden.

Overall, my experience with Square has been a disaster. I would caution anyone considering using their services to think twice. There are other options available that are more reliable and customer-friendly. Square may seem like a convenient solution, but the risks and headaches are not worth it.

We are a company that has been around for 35 years and we recently decided to switch from PayPal to Square. We were hoping for a good experience, but unfortunately, that was not the case.

Within an hour of signing up, we received our first payment of under ?600. However, our account was immediately suspended and then reinstated two hours later. We dispersed a portion of the funds, but then our account was deactivated three hours later. We were informed that it would be 90 days before we would have access to our $400. This was a huge inconvenience for us.

We called Square's finance department every day for seven days and were told that it was just a glitch and that they would have it fixed soon. Apparently, when we were asked for a nickname, it signed us up for a second account with no way to undo it. The second account was fine, but it needed to be corrected. We were told every day that it would be back online, money redeposited, etc.

Finally, we received a notice that said the money was in the account, but the balance showed no activity. When we asked about this, we found out that the account had been deactivated the entire week. We asked if there was anything we could do, and they told us that we should see a competitor. This was very frustrating for us.

The people we spoke to were courteous, but they had a very irritating voice prompt that hung up on us. They claimed that they would send us a text for an expedited chat, but that never happened. We felt like we were wasting our time with Square. None of the staff members (until the last one we spoke to) seemed to have any clue or competence. While he wasn't rude, his message was alarmingly deficient in caring about the customer experience.

In conclusion, we would not recommend Square to anyone. They are a colossal waste of time and their customer service is lacking. We hope that they can improve their services in the future.

We are a small business and provide services to residential and commercial customers. We submitted a bid for a large project and the customer accepted the bid and selected to pay thru square with an ach bank draft. This was a large deposit and we planned to schedule the work promptly. When the customer made the payment, they sent us a copy of their receipt on june 5, 2023. This stated they made the payment, the funds would be made available in 1 - 4 business days. Our office received an email on june 5 stating the funds would be available in 5 business days. We see that this was a large payment so we waited the 5 days for the funds. On june 9th we received an email stating the transaction was in review and we had to complete a questionnaire to confirm the customers information. *we wondered why we did not receive this 5 days ago if the customer was in question? We completed the questionnaire and then received an email stating we will have to wait 1-2 business days for a review of the transaction! Now our customer has wait 7 days for the service to begin. We called square 7 times to get an understanding and found a stock reply, no support and no solution. We questioned all the support contacts and they all were not in the usa. Their language was difficult to understand and they had no information. We were finally informed to refund the transaction, this would return the funds to the customer. We never received the funds into our account after 7 days. We noticed that no other funds had been deposited on this day, so we inquired and found that the have frozen our account from any processing until this was resolved. We called in again and were informed that the only way to access our account again was to process a refund to the customer. We processed the refund correctly and we immediately got a post in square that we received the fund and that they were refunded to the customer. *we reviewed our bank and we never received the funds into our bank. Then we get a notice from square that the refund takes 1-2 business days to process in square office. After that it may take 1 - 21 days to process back to the customer! This was a bank draft not a credit card payment. This is theft of these funds! While square has the funds they are collecting interest on this money. The customer has paid, but we do not have the funds to provide the services. Square now wants us to pay a processing fee for this order that was never processed and refunded prior to processing. This is quickly moving toward litigation with this customer and possible close of our business!

I took a payment and then all of a sudden my account is under review and they wanted me to answer a bunch a questions about my customer and my business. Why is this any of their business? They put a hold on my account and payment. I contacted them and the guy told me to upload my invoice that I used. I did this but they said it wasn't correct. I was LIKE WHAT? It is my INVOICE not yours. How would you know? It was exactly how I wanted it to be. I told them that they had no business being my business. Definitely very suspicious of them. I will be cancelling my account.

I see on this site that many other people have had the exact same thing happen to them with square.com. I processed a credit card payment for $490. The next day it was nowhere to be found on the site or my account but the customer said he was charged. There is no phone number to call and speak to someone so I emailed square. On february 3rd, four days later I receive a response (same one everyone else got) that the payment is being held for 90 days and I will be able to get it on may 3rd. I received no reason, and couldn’t get a reason. But the funny thing is the customer’s card was charged and square took their $17 processing fee immediately. Just my part, the $472 was held 3 months. But with nothing else I could do, I waited. May 3rd was a week ago. The charge for the $490 is shown as a sale on my account, but it is still not being shown in my balance. I’ve been emailing square and trying to do chat but unavailable every time I tried except for one time and it was useless, and trying to call but automated. I received a very generic email today from support saying that my “deferred payment status” is expired and any deposits will be in my bank account in 1-2 days and then it gave me a link to learn about deposits. But I didn’t make the transfer for it to be deposited because it’s still not showing in my balance. So square has officially stolen my $472, and made a $17 fee off of it! They are theives and they have it set up so that you can not get to talk to anyone on the phone and they block you from using the chat feature, except for the one time I was able to get in to it, and was told that they couldn’t get my account info pulled up from chat. That’s about 60 seconds after I was told by victor to give him a moment while her pulled up my account info. I said “victor, don’t you do this job everyday? You just told me you were going to pull up my acct info, and now you just realized that you can’t pull up account info from chat? Are you covering up theft by square, victor?”

Square.com stole my money. Plain and simple. And since there seems to be nothing I can do about it, (although i’m not giving up and will still be contacting the police for a report and an attorney and possibly a class action suit with all the people they have done this to), I will take every opportunity to let everyone know about their theft so that I can warn everyone I possibly can. I wish I had been warned about them, and feel it’s my responsibility to warn any and everyone I can before they steal more money from anyone else.

I opened a square account on 04/12/2023. Was approved for the checking account with debit card. I did nothing in this account transaction wise. I fiddled with website just seeing what features it had but did not take any payments from anyone. Except one 2$ payment from myself trying to complete the tutorial led by square prompts. I then tested my account connection to my bank and sent myself some funds from the approved linked bank account and then returned them within a few mins. ( I was just getting a feel for how it all operates.) Then on 05/01/2023 I had my commission check from my contracted sales with YourLifeSecure direct deposited to my square checking account. Still have done no transactions on this account. At that point they froze my account and then sent me notice of closing and holding my funds for 90 days. They asked for no information as I can provide my commissions statement or even have the issuing company contact them or provide anything to validate it they might want but they won’t even hear me or give me a reason why. They have blocked me from messaging support. I understand if there was rusk of charge back but I did no transactions on this account and this was a direct ach deposit of my weekly commission from one of my contracts. Please help me.

Yes square has ran my credit card transactions for over 90 days and I went to log into my square account and realize that I can't transfer funds to my bank account because square deactivated my account without telling me and are notifying me by phone or whatever they sent me an email but I didn't get to read it in time and went on to tell me that they could hold my funds up to 90 days or they will hold my funds for 90 days and I won't have access to them until then and then they will put them back in my bank I think this is theft a short-term theft would be a good term and I don't believe that it's quite legal to hold another business's funds just because you feel that then you need to deactivate an account of one of your customers without even having a reason why every time I talk to support they they try to ignore me or throw me to the wayside and don't give me an answer just saying that my account's been deactivated is there anything else I can do for you I think this is very rude I think this is very bad customer service and I feel like I've been taking event taking advantage of completely by square and they need to come up with better ways to come about telling somebody that they're not able to handle a business.

Just purchased my system and cannot get anyone to help me set it up, there are a few small areas I am not familiar with and need someone to get with to resolve the issues, but I have had one person call and she presented herself as a Reach out person for Square and when I called her back she says, in other words, it's not her job and I am referred to Matt who as of this writing has not gotten back to me. I need the help to set my system up and do not think I'm asking too much.

Square up is committing fraud. As of 4/11/2023 when I signed up for online invoicing. I billed my client the same day and they paid immediately. Then I get two emails to say my account is under review and has been suspended for suspicious activity. The only activity was that I transferred one dollar as a test and the other is my client paying an invoice. I immediately emailed to request my funds and they never responded. They are committing fraud. Something seriously sinister at play here. Anyone reading this - Squareup is getting reported in NC to the Attorney General, BBB, and FTC. I will also be filing a police report to their business address. Anything over $500 is a felony.

In November 2022 I had 2 credit card disputes from one customer totalling $700. I was unaware at the time that no matter what they always side with the customer and return their money. On 12/16 I was notified if a second dispute for $300 on 12/18 notified that they sided with the customer for the first dispute of $400. 1/24/2023 notified if my negative balance of $697.16.2/7/23 settlement offer owed $357.16 pay $107.14 2/8/23 $300 dispute resolved in customers favor. 2/15/23 paid settlement amount if full. 2/15 notice to withdrawal $697.16.. Failed 2/20 notice to withdrawal $682.66.. Failed 2/22 notice to withdrawal $324.64 2/23 email thank you for responding your balance please tell bank account 3/10 & 3/14 emails balance is required resolved 4/9 withdrawal 324 & 320 failed payment for 416 taken and another for $79

I have been blocked and no one is taking my calls
I have sent emails and yet no respond
January 2023 to present
I just need to speak to someone so I can explain

Dear Square,

This was my 1st time using Square I'm not accustom but tried it out at the USVI festival on St. Croix.
This was a USVI festival event on the island. It does not have any way for me to make contact with the customers.
I'm a sole proprietary everything is under my social security ID.
The USVI Festival committee gives the temporary permits to sell at the Festival.
When I call your operator during the festival, he told me to send the invoice the way I sent it plus everything was all a rush.
The one customer that was in question came back to the booth couple nights that's how I got his number.
This is a once a year event on the island.
My boyfriend lives in Florida I live on island and in Florida I travel back and forth after the festival I have been on the island of St. Croix USVI awaiting the refund.

Can someone please call so I can find out exactly what it is you will need to show and explain to you about the festival event i sold food and drinks to. Below I attached the flyer for the festival, my employee schedule, my booth I sold from, customer reviews, etc. Just let me know what you need to release the fund to me please as you can see no one have requested a refund.
My attorney instructed that I show you these to help you understand how the event was.
I worked very hard cooking and seller food for the Festival please let me know what you may need to release all the funds to me.

I did not understand the bottom of your email I truly taught you meant that the returns will only be if customers requested money back.
I can not afford to loose out on those funds please, I was waiting to pay for my son graduation fees and his travels to the states.

On [protected] my business TRC INTERIORS LLC opened a square account to process customers credit card payments. I filled out all the info asked to open the account and was lead to a page stating start taking payments. Today [protected] I did my first transaction of $2700 for a customers bedroom remodel. The payment went into my square account then I was notified that the account was suspended pending further documents. I uploaded what was asked for besides an online presence which in my construction business working with Water Mitigation companies is not needed. They have yet to release funds. Highly thinking of a class action suit against square seeing all the same complaints holding funds. Nevermind a charge back, square are the crooks. Will be calling the federal Attorney general's office regarding

Meanwhile my customer is upset regarding also.

I was charged twice by R&S Home Improvements for work that they did, they charged me $1000.00 extra by telling me he did not get the full amount, however he did get the full amount and he refused to return the money that was overpaid to him and stated I had to go through his credit card company to get the money that was owed me. This service was for installing a hardwood floor. The work was never completed and he refuses to talk to me to resolve this problem he said it is between me and Square.

I started using Square in April 2021 everything was fine until approximately 1 month in, the payments from my clients started to have a 100% hold on them at least until I would call over and over finally approximately 1 week later they would show up. I had finally had enough and was going to start using a different business to deal with my credit card charges. They then said they could compromise and hold 20% of the total charge for 60 days for 6 months until they can make sure I don't have any chargebacks or complaints. I grudgingly accepted. I have never had a complaint, chargeback and in fact have only 4 clients who pay by credit card. Last week was 6 months from the time they started removing 20% from my charges. I talked with a manager on 01/26/2023 and was told they could see that in fact I have not had any complaints chargebacks or anything that would create a problem so they would be releasing the reserves within 3-5 business days. However that has not happened, in fact I received another email stating the reasons why they would not remove the reserves, however none of the reasons apply to me. The following are the 4 reasons why they hold the reserves, the full email is in the documents I uploaded.

1. Prepayment for goods or services.
2. Chargeback rates in your industry.
3. Chargeback rate for your account.
4. New to Square.

1. I charge my clients the full amount after the job is finished, as well as the items I purchase for the clients.
2. I have no chargebacks for me or my industry
3. I am not new to square (A supervisor informed me that anything over 6 months is no longer "new"

I want the money they are holding for no reason to be returned to me.

I have had a payment of $409.97 in a payment pending status since May 28, 2022. It is now January 18, 2023. My account was deactivated more than 180 days ago with no explanation. I was originally informed deactivation was due to chargebacks. After contacting square support and asking for documentation of any and all chargebacks, i was instead told my account can be deactivated for any reason and the decision was final. I have had no chargebacks on my account, no disputes, no problems on my end. My bank account was verified and square was able to have payments processed and transferred into my account without problems or delay before this transaction. The payment of $409.97 was payment for services to me from a repeat customer in good standing, that had previously made a payment to me through square that was accepted. The customer used the exact same credit card, same name, same address, etc. Square dashboard shows that square has processed the payment without problem and taken their processing fee out, yet holds my money for over 200 days in a pending status. I can get no information through repeated email attempts, phone call attempts and many hours of waiting in que of the chat line which perpetually states wait time of less than 5 mins.

Been with Square for years, I excepted a credit card payment from a customer, then they sent me an inquisition about the customer like I was trying some scam attempt. I checked before I made the transaction, and their advertisement says excepts credit cards payments from one dollar to fifty thousand dollars. My transaction was a little over $1600. Now that they received the payment, they deactivated my account, and will not refund to the customer after it was requested or deposit the money into my account. They Will not return my calls or answer text. I'm looking for some legal advice, this isn't the first time they stuck me. They need to be shut down.

I responded to an email that I received from square saying that they needed some information on my account I immediately responded to square with the information needed and the next day our account was closed with a balance of over $2000 that they are holding on to no one will speak to us over the phone no one will respond back via e-mail a little help here would be nice

Square froze my account, no way to contact anyone, terrible service steer clear.

The suspended two of my transfers total 3920$ for no reason

I made several attempts to reach out and talk to someone but all my calls and chats were ignored as well as my complaints in places else

the reasons for this suspension is that they are concerned about potential chargebacks or disputes but they endangered my business as my customers refused to get refunded because that will cause them to lose at least 10% of their payments

PSA - Received a Square Business Debit card in the mail. I never asked for it. When logging into my account, which I've had many many years ago, there's a 316-?-4112 number on file to authenticate the account with two-step authentication. I have never had that number. So, I can't get into my account to see what's going on. I tried calling customer support, but you can't get a live person. I've just sent an email to them for a callback, no response yet. As far as I can tell, Square itself looks legit. But who in their right mind would want to use a service like square when you can't get a live person to help you, at all, I mean it, couldn't get anyone. Just constant auto responses in the chat. That's another thing, the chat box is a machine, not even a person. I looked up complaints and there are tons of them. I knew something was off because I didn't request it, it was unsolicited, can't get into my account, can't even make a new account. To boot, because of the new update to my iPhone, was prompting me to add the square account to apple pay. I'm SO GLAD I didn't do that Be careful out there everyone. Once I get more information I'll share it. Be well