Square Payments Reviews & Product Details

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.

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.

Square is a straightforward application that has no transaction expenses or set up costs

The program is versatile in supporting payments, ehere it incorporates contactless cards and mobile payments

The offers excellent employee scheduling support

Square gives timely transfers of funds, where money is available in real time Review collected by and hosted on G2.com.

Square lacks stability, where the vendor may freeze an account for no precise reason

This may disrupt cashflow in a company Review collected by and hosted on G2.com.

You can do everything from the app! Send invoices, receipt of payment, payment requests, literally everything! Review collected by and hosted on G2.com.

It is hard to get used to at first because you can do so many things but after that it's great. Review collected by and hosted on G2.com.

Keeps track of inventory, especially with a small business. Review collected by and hosted on G2.com.

High rates in comparison to a true point of sales system for a brick and mortar business. Review collected by and hosted on G2.com.

Square has ensured that we accept payment globally in a simplified manner

The tool accommodates multiple payments gateways, allowing our company to be more efficient

Square has an easy to control and run dashboard Review collected by and hosted on G2.com.

Customer support for Square is slow, and resolving payment issues requires a speedy response

Sometimes, the transaction fees goes beyond our expectations Review collected by and hosted on G2.com.

easy to use their system but horrible assistance, No customer service what so eve Review collected by and hosted on G2.com.

square is helpful for start up business, but downside is they have no protection during a wrongfully claim. If the company provides enough proof of completed work and permit paid with contract signed by customer. They side with the customer, take your money and you have no say, help or advise on what is next. Review collected by and hosted on G2.com.

The automatic daily deposits into our bank account. Review collected by and hosted on G2.com.

Would be better if it were less expensive. Review collected by and hosted on G2.com.

Square is very user friendly and has the best fee prices. Review collected by and hosted on G2.com.

I don’t like that there is an added .15 charge. I wish it was just a percentage. Review collected by and hosted on G2.com.

I really do like to use this platform for payments.We use this app on the daily. Review collected by and hosted on G2.com.

I do dislike that I attach a picture for customer to view. When customer opens it, it gives them a invoice instead of the picture of the report. Review collected by and hosted on G2.com.