Square Payments Reviews & Product Details

helps me take payments quickly and easily, whether in person or online, which solves the problem of needing a simple way to actually get paid without complicated setups or tech stress. I like how everything is in one system—payments, tracking, and sales reports—so I can stay organized and focused on my business instead of juggling multiple tools. Review collected by and hosted on G2.com.

What I don’t like is the transaction fees and the fact that payouts or accounts can sometimes feel limited or held depending on activity. Review collected by and hosted on G2.com.

Our organization started using Square Payments as an easy and accessible way to enable us to accept card payments during events and in-person activations. As a volunteer-run non-profit organization, we didn't have the infrastructure and resources to operate traditional payment terminals. Square's original 3.5mm card reader made it incredibly easy and cost-effective to turn any phone into a payment gateway. Today, Square powers our online merch store and website's payment gateway. It offers the flexibility and easy-to-use tools that help us deliver services and products without worrying about the cost of setting up a more complicated and expensive system. Review collected by and hosted on G2.com.

There's not a lot to dislike. It provided a lot of solutions for us that would otherwise be unattainable. Perhaps some of their online store platform or inventory management were difficult to use and manage. Review collected by and hosted on G2.com.

I use Square Payments to schedule my clients and process their payments. I appreciate having a calendar that's integrated with my payment processing, which I find very easy to use. The scheduling calendar and the ability to store payment methods make it very easy, especially since I'm a non-techie person. It saves me time and I just appreciate the ease of use. I'm able to easily store new customer information along with their payment methods and process their payments very easily. Review collected by and hosted on G2.com.

There isn't anything I dislike Review collected by and hosted on G2.com.

Free to use for invoicing and charging clients. Review collected by and hosted on G2.com.

Support could be improved, especially in terms of response speed and overall reachability. Also, flat fees aren’t ideal in some situations, particularly for smaller businesses that handle a large number of transactions. Review collected by and hosted on G2.com.

We love the convenience of either taking payments on the spot but also being able to offer online payments as well. It gives customers the flexibility they appreciate. Review collected by and hosted on G2.com.

Sometimes I feel like I have to make too many "clicks" to get my invoices completed since we have more complicated line items. Review collected by and hosted on G2.com.

Easy to navigate, easy to invoice, and quick transfers. Review collected by and hosted on G2.com.

We have no complaints with our square payments. Review collected by and hosted on G2.com.

easy to send invoices to donors and clients Review collected by and hosted on G2.com.

The % it takes off as it's the highest of all the processor that we use Review collected by and hosted on G2.com.

When they don't hold you're funds for illegitimate reasons it can be quite easy to use. Review collected by and hosted on G2.com.

I've been using Square for my video production business, but after this experience, I'm looking for alternatives immediately.

What Happened

I received a legitimate payment via ACH bank transfer from a client for a video production contract we won through an RFP process. Square placed the funds on hold, claiming they needed to investigate a potential "credit card scam" - despite this being an ACH transfer, not a credit card payment.

I provided all requested documentation about the contract and client relationship. Instead of conducting a proper investigation, Square simply decided the payment was fraudulent and told me the "decision is final."

The Real Problem here is

Aggressive algorithms with no human oversight: Their fraud detection flagged a legitimate business payment with no reasonable review process

Scripted customer service with no authority: Representatives couldn't provide real explanations and repeatedly said "this decision is final" without actually investigating

Holding legitimate funds hostage: My earned money was inaccessible while I'm actively working on the project

Forcing unnecessary delays: Now I have to issue a refund, wait for processing, and arrange alternative payment methods - all because of their mistake

The Bigger Issue

This isn't just poor customer service - it's a fundamental problem with how Square treats legitimate businesses. When your payment processor can arbitrarily decide your earned income is "fraudulent" with no real recourse, it creates an unstable foundation for running a business.

For a company that markets itself as supporting small businesses, holding legitimate payments without proper investigation and offering no meaningful appeal process is completely unacceptable.

Recommendation

If you're a small business owner, especially one that occasionally receives larger payments, consider a different payment processor. Do not rely on Square - this experience has shown me they can't be trusted with important business transactions.

Update: Currently switching to alternative payment solutions that treat legitimate business relationships with appropriate respect. Review collected by and hosted on G2.com.

Fast and easy to use. Customers can checkout by themselves Review collected by and hosted on G2.com.

Payout fees are too high. Could be cheaper Review collected by and hosted on G2.com.

Easy to send links in a trusted system to obtain payment from customers by email Review collected by and hosted on G2.com.

Fees are a bit high for invoicing but that is pretty standard across platforms Review collected by and hosted on G2.com.