Square Reviews

Total Scam. We did a 8000++ transaction then they said they were closing my account and the deposit would be unavailable for 60 days + refunded customer closed account and lost a big sale. This company is a real POS.

Horrible system. System down all the time. Their dispute process is unfair and deceptive. I recently had a customer dispute a large amount for services. I had all my back up scanned and was about to challenge the dispute. However, and this is confusing, I pressed Accept Dispute and they returned the funds of over $400.00. I immediately called Square, advising them, and even they said the Dispute Process is confusing, and they sent me an email and said there was nothing they could do. I've had several disputes, and provided backup, and the dispute never goes in my favor. I am now seeking alternative payment methods.

Locked my account and funds, can't tell me why it was flagged or if/when my account and funds will ever be available.

Extremely Disappointing Experience with Square. My experience with Square has been extremely frustrating. I want to be clear that my complaint isn’t directed at the individual customer service agents. Most have been polite, but the overall support system is the problem. A customer paid my business on October 2nd, and more than a month later, Square is still holding my funds. This is a new business, and that money was needed to purchase equipment and materials, keep jobs moving, and reinvest in my company. This has directly affected my ability to operate and grow.

I started with Square last Friday and received starter receiving payments from customers and yet customer service at square has closed my account. Can't tell me identifying why they close my account. They just said that they deactivated my account. I cannot accept payments or anything. I am very irately mad about this but try to keep a positive posture about myself but it's kind of hard when someone's messing with income that I need.

As a legitimate electrical contractor, I would steer as far away from Square as possible. They have thieves that work among them. Lately they have not been very transparent and have stolen money from our bank account. We had to block them from stealing from our account and then they kept the funds from the next transaction and will not release the funds. Please do your due diligence and stay away from this company. We are now seeking out another company. YOU HAVE BEEN WARNED!

The worst company for your payment company. The very first transaction I did they froze my account and kept all the money.

Do not use Square. They can cancel your account with no warning and won't even bother to tell you why. And then when you ask questions, they claim they can't tell you.

Updated on 10/20/2026: I don't even think that they deserve a single star, but, in order for me to write a review I guess I have to. Back in September I wrote my first review on Square, letting everyone know that they kept me waiting for a few hours and every time I kept calling the system will hang up. Well, I finally have an answer on when I am able to get my $2,771.54, not 1 to 3 business days, NOOO, 90 DAYS. This company has the nerves to tell me, "You will receive your money on Dec. 14th"... No apologies, no sorry for the inconvenience, nothing. This Square company does not have any empathy with their customers, they really show they don't care.

I wouldn’t ever rate them on a number 1. They are a poor company that cares nothing about your business or anything. I run a business and they have cause me to lose a lot of business because they frozen my money up for no reason say they protecting their customers, which is a lie so I take money off a card with my name attached to it so they protecting more from myself which is crazy so I sent paperwork to prove it and they still lock it up like it’s their money. They even ask for 3 to 4 months of bank statements. What you need that for? That’s not your business. This company lock me up every weekend where I have to borrow money to do my business and everybody going around talking about me like I have no money or can’t run my business, have to borrow because SQUARE has my money frozen.

I recently sold my business only to find that my Squareup website that cost me $3000 to set up cannot be transferred to the new owner. Therefore I need to give the new owner $3000 in order to set their own website. This is cost me $6000 because Square has such a horrific customer service. Not only that I could not transfer my item library and wait to three days for them to sort it out. I am still waiting for them to transfer the gift card information and still cannot get to talk to a real person. Every person I talk to has an incredibly heavy accent that is almost impossible to understand.

I’m extremely disappointed with how Square handled my new business account. I opened the account for my legitimate IT services business and cooperated with every verification request they sent me. I provided my government ID, EIN documentation, California LLC documents, reseller permit, business information, invoices, public business profiles, and linked my business bank account. I even offered to provide additional invoices and my City of Oakland business license.

No live person to talk to. If you get anyone it's hard to understand because they are from other countries. For the most part if you call for help, the auto system will dismiss you to a site or chat- so you never get to a live rep to help with immediate issues. Not worth the hassle.

Account Services Department and Customer Support needs a lot of improvement. The service is terrible. A lot of people have complained about funds being withheld and promised release dates not being honored. My funds ($1,260.79) were supposed to be released on July 30, 2026. It is now August 12, and I still have not received my money. Where are my funds? My case has been escalated 50+ times, yet I have received absolutely no resolution from the Account Department. I keep getting the same responses with no actual action or accountability. This has been an extremely frustrating and unacceptable experience. Horrible, horrible customer service. I have already filed a complaint with the BBB, and I expect this issue to be resolved immediately.

Square just lays down on fraudulent claims. They have zero respect for businesses that have only used them for a long time. They just want to take money and offer no support, care, or seller protection. This is the only claim in 6 years of business. The customer never reached out, nor sent the sterling silver ring back. Absolutely disgusting.

Summit Defense LLC used Square for payment processing, invoicing, online booking, and other business services. Square unexpectedly closed our account and notified us that they could no longer support our business. We appealed the closure and requested clarification. Square completed its review, denied our appeal, and stated that the decision is final. However, Square has provided us with no specific reason for the closure. Their final response states only that the decision is based on their responsibility to “manage risk and meet our obligations with card networks, financial partners, and regulations” and that they “can’t share additional details.” We have not been told what specific transaction, activity, policy violation, or other issue resulted in this decision. This leaves us with no meaningful way to understand what allegedly triggered the closure or address the issue.

I am furious with Square. My account was canceled without an explanation. Despite my attempts to contact them, no one provides a valid reason why. When I requested to speak with a supervisor, I was told that individuals with canceled accounts are not permitted to speak with one. Appeals also seems futile, as the reply remains the same-uninformative closure.

Do you enjoy companies that have a support staff that will literally transfer you 31 times over a period of 4 hours? Do you enjoy a company that will not return support emails? Do you enjoy dealing with a company that quotes ones price then immediately jumps the price as soon as you have completed all the steps to effectively use their product? Then great news. Square is for you! they will absolutely ignore you and take your money without prompting! In all seriousness avoid this sham company at all cost.

Twice now Square has charged my customers card and then stopped the transaction without depositing the funds in my account. They ask for things like pictures of the work I did and pictures of the customers ID, neither of which I have. They won't tell me what caused the transaction to be flagged so I can avoid it in the future. They then take over 2 weeks to refund the customer during which I can't collect the money owed me without risking my customer getting double charged. I never process another transaction through Square. EVER.

Website integrations are non existent. The web builder is an embarrassment and has zero real functionality. How has this company survived to this point with such a horrible platform for their customers. Oh and they have a Plus feature so now you can pay their fees just to accept online payments, then they found a way to hide or add useful features but you need to pay more for that because they are essential. Its like paying your water bill with a surcharge to use your faucet. This site is a hot mess and I would run in the other direction!!!

This company is being investigated by the FBI for fraudulent activities and stealing money. They block accounts and you lose your money. We have got the FBI involved now

I am trying to set up and establish my digital quality assurance and testing business for website, mobile app and games. I tried using Square as it was a simple set up process and device at Best Buy was cheap. However, do not I repeat do not use this company for any point of sell system usage for your business. Their customer service is abysmal. Most do not speak English, and will shut your account down with Little to no notice. My account was not even set up a week before I started using their service and then they questioned the business activities I was doing and will not clearly defined as to what they feel is unusual activity. They will ask you questions on your business. What the transactions are for request documentation i.e. invoices. What should’ve been done prior to account set up to establish the service.

Customer support is abysmal. I had a vendor fraudulently bill me thru Square pos and I needed the invoices to file a police report. For over two hours I went back and forth with first line employees that do not fully understand English and are not trained to understand the problem sets I had. Kept getting put on hold, transferred to four different people, none of who could understand enough English or had the training to understand what I needed. All I needed was a few invoices.

Someone disputed my account for $34 so I filed an appeal and dispute back so Square locked my account knowing I run a car service transportation. They're 100 % wrong for doing this to me.

We have been using Square for a number of years, and find that their rates are outrageously high. And some time ago we issued a refund to a customer. At that time we received a notice that the refund would take 2-7 business days. The money for the refund was removed from our bank account instantly. After about a week, we received another notice that the "customer has been refunded" and that one stated that the refund would take ANOTHER 2-7 days this means that it will take two weeks for the customer to receive their refund. a complete scam. And that customer will obviously never shop with us again.

I'm going to be charged a fee of $372.66 for an accidental accidental overcharge that was refunded immediately. Then the correct amount was charged to the customer. Lesson learned is to get a credit card processing company that you can control when to batch out your sales. Immediate processing isn't great if you need to void a transaction.

Square is holding over $16,000 for potential fraud. I was told I would have my money in 1-2 days. It has been a long 1-2 days. I asked to speak to a supervisor, I was told 3-5days after they reach out through email. I pay a subscription each month. I am charge of percentage of each sale. No customer service and no money! I need my money to pay my employees and to buy goods. Three checks have bounced due to them not transferring the funds.

First they limited my account then for reasons they cannot tell me they have closed my account although I still have a loan with them and last week tried to deduct the whole amount out of my checking account on file causing my account to overdraft. Not a apology or explanation. Closed my account I have had for years. Talked to customer service and he forwarded my complaint to another department and I should hear from them in 24 to 48 hours and it was about a week before I got the email stating my account is closed.

Horrible customer service and outlandish fees. They are robbing people blind and the banking commission should investigate them immediately.

After weeks of attempting to resolve a critical merchant dispute regarding an unauthorized live website container maintained on their infrastructure, Block, Inc. (Square) demonstrated an alarming lack of administrative accountability and predatory financial practices. Not only did they maintain a public data pipeline for weeks after receiving explicit digital privacy requests and a physical corporate demand via USPS Certified Mail, but they also engaged in unauthorized overbilling. They executed invalid charges against my accounts for infrastructure and services connected entirely to a storefront I never authorized, ordered, or utilized.

I called in a week ago to confirm my square account was active and there was no hold on my account. I confirmed twice with them that upon the transaction my money would be available. I did this specifically before of an issue where they were holding it for 90 to 120 days. A quarter of a year! They a holding my money. Likely investing it and profiting from it. They told me they were not going to do this. I took a payment for my work of $6,450 dollars. They are no holding $2,000 of it. It’s my money. They already took there 4%. The only review is likely going to be automated and I won’t get to speak to someone other than the young guy on the phone no manager, no customer service over the first guy on the phone. How is the legal. If it’s happening to me it’s happening to a lot of us.

I wish I could give it a negative 5. This has to be the worst CC processing company there is. They're holding funds for "account verification" after the account has been verified months ago. Then when I try to refund the customer the payment and try a different payment method they're saying it will take two weeks to refund the customer! A complete SCAM!!! They're just trying to hold on to your money for as long as possible!

I recently had a personal issue that I had my accounts frozen. Which really didn't have anything to do with Square other than them freezing my account. I dealt with the issue and it has been 11 days and they still will not release my funds. The account has about $1500 that they will not release the funds. They keep giving me the run around saying 2 more days each time I call. Then each time I speak to a new representative they keep contradicting each other. I feel they just say anything to make the customer happy even. Their not consistency is all over the place. They always contradict what other representatives say and when you bring it to their attention they say they don't know why the other person said what they said but what they say is the truth. So very hard to know what is true and what is false with them.

We signed up for this piece of ** company. I sent 3 cards, and 1 day we went out to go try these cards out. They didn't work. So we got like 3 or four things that didn't go through on the day. Then, the freezer count sang. It's a fraudulent thing holding $300 in our account. So we couldn't buy gas or anything, because that's where we were at was at a quick trip. Trying to get gas. And somebody else is at McDonald's trying to get us some breakfast. They won't answer our phones. They put it straight to voicemail. So we can't even talk to them. So now we just lost our business. And everything, because we can't access the money that we have in this account. I recommend nobody ever go into this pile of ** place.

My company has used Square for over 10 years to process client transactions, and until recently, we had never experienced any issues. Without warning, Square froze our account. When I contacted customer service, I was told an email had been sent regarding the issue, but I never received it. Then he admitted that they never sent it. I was then informed that a separate account review team would investigate and respond within 24–48 hours. After more than a decade as a customer, I was disappointed by the lack of communication and urgency. When I requested to speak with a supervisor, the representative placed me on hold and came back and said, "we told you all you need to know." AND DISCONNECTED the call.

It's really frustrating for a new small business owner how much Square charges its users. You want a loyalty program?=fee; you take a payment from a customer=fee; email marketing=fee; linking your domain=huge fee (just to name a few).... the upcharges are INSANE. It's easy for clients to book, which is great, and easy checkouts. But also, setting everything up could be way better as well. It's pretty confusing on how it's set up. You have to go to different areas of the site to change something, when it would be so much easier if it could just be done in the same area.

Avoid this company. I was asked for my Social Security number multiple times — including over the phone — and spent an hour and a half with support just trying to delete an account that I barely even created. I never picked a template. I never launched a website. I never used the service. Yet deleting my information turned into an exhausting nightmare, and I still don’t even know if everything is fully removed.

I am extremely disappointed and honestly devastated by what happened to me with Square. I made a transfer of $1,447 after updating my payout account from my old Chase account to my new Wells Fargo account. The moment I noticed the transfer still appeared connected to the old bank account, I immediately contacted Square support. Within about 10 minutes of realizing the issue, I was already speaking with a representative trying to prevent exactly what ended up happening.

Owner of a brick and mortar + ecommerce business. I regret starting my business in the Square ecosystem. Square feels like a company with less than a dozen employees. The engineers are not able to ship any changes and are floundering to fix the most basic bugs. Most of the time I search for a fix on the forums there are requests dating back 2-5 years asking for the same thing to be fixed. I don't think there has ever been an internal product tester - the "community forum" is completely filled with people posting bugs and fix requests daily for features that are incredibly obvious and industry standard. Maybe your experience will be better if you are in Food and Beverage, as that seems to be the focus of the company. For retail: STEER CLEAR.

After opening an account an making one charge they requested more information which I supplied. Then about 2 minutes after submitting everything they asked for (quite a lot of very private information), they closed my account (obviously run by an AI agent given the speed of response and time of day). In the account closure email, they state that they will hold the funds charged for 90 DAYS even though there are no disputes or complaints. What a waste of time. They also refuse to talk to me. Their automated system simply hangs up once it determines that you were auto-cancelled by AI. I have been in business since 1999 and have never had a complaint. This company is totally mismanaged and will waste your time. I advise you to seek alternatives first.