Square Payments Reviews

Pros

It's easy to set up and has a ton of neat features. If you need just a simple way to charge clients in person or invoice it's perfect. If you need to track sales data and customer rewards, it has that too. You can do as much or as little with it as you need.

Cons

The app can be hard to navigate at first. I had trouble with quickly clearing items off. These are minor things that weren't deal breakers. You quickly learn how to get things going once you run a few payments.

Pros

Square is fast and easy to setup, accepts all credit and debit cards, and pays out fast directly to your bank account. I cannot recommend Square enough for any business needing the convenience of accepting credit and debit cards.

Cons

Square offers many features that enhance their payment processing service. Most of these additional features add to your fees Square collects each month. It would be nice if Square offered a few more of these additional features and enhancements for free.

Alternatives Considered

PayPal, Clover, Stripe, Shopify POS and PayPal Invoicing

Switched From

PayPal, Clover, Stripe, Shopify POS and PayPal Invoicing

Reasons for Switching to Square Payments

No contacts, ease of setup and use, feature enhancements, and low rates for low volume business.

Pros

User-Friendly Interface: Square Payments has a simple and intuitive interface that makes it easy for anyone to process payments, even those who may not have much experience with payment processing systems.Versatile Payment Processing Options: Square Payments offers a range of payment processing options, including in-person transactions with mobile card readers, online payments, and custom payment links, which make it easy for businesses to accept payments in a variety of settings.Affordable Pricing: Square Payments charges a competitive transaction fee, making it an affordable option for small businesses and individuals who may not have the resources to invest in a more expensive payment processing solution.Quick and Reliable: Square Payments is known for being a reliable and fast payment processing system, allowing businesses to process transactions quickly and efficiently.Integrations: Square Payments integrates with a variety of other tools and services, including accounting software and e-commerce platforms, making it easy for businesses to manage their payments and financial data all in one place.

Cons

Limited Features for Larger Businesses: While Square Payments offers a range of features and integrations, it may not have the advanced functionality required by larger enterprises.Account Holds: Some users have reported that Square Payments has placed holds on their accounts, which can be frustrating and cause delays in receiving funds.Customer Support: Some users have reported difficulties with Square's customer support, citing long wait times and unhelpful responses.Limited Customization: While Square Payments offers a range of payment processing options, some users have reported that there are limited customization options available, which may be a drawback for businesses with specific needs.Limited Availability: Square Payments is not available in all countries, which may be a drawback for businesses operating in regions where the service is not supported.

Pros

Feature monthly payroll, credit card processmemt

Pros

It's so fast that it is in my account that same day.

Cons

After about five hours I had to put on a charge to keep up with my long hours.

Pros

Square Payments is one of the most widely used payment processing solutions on the market. It offers a variety of features, making it an ideal choice for businesses and industries. Square Payments makes it easy to accept payments from customers in-store or online, no matter where they are located. The system allows users to quickly and easily process credit card purchases with just a few clicks, without needing any extra hardware or software. Additionally, merchants can use the same Square account to manage multiple stores across different locations and regions while taking advantage of competitive processing fees for each transaction. Square’s secure encryption technology ensures that customer information is always kept safe and secure during every transaction made through its platform – giving both buyers and sellers peace of mind when conducting business online or in person. In addition to being able to send digital invoices directly from their accounts at no additional cost, customers using Square Payment can also track their sales data over time so they know which products are most popular with their customers – allowing them to better tailor their marketing strategies accordingly. Customer service representatives are available 24/7 should help be required regarding troubleshooting technical issues or inquiries about refunds as well as any other questions related to using this payment processing solution effectively

Cons

Square Payment’s secure infrastructure is designed to protect data at every step of the process so business owners don’t have to worry about security threats.

Pros

Ease of Use: Square Payments is known for its user-friendly interface and straightforward setup process. It requires minimal technical knowledge or expertise to start accepting payments. Whether you're using Square's mobile app or their hardware devices, the intuitive design makes it easy for businesses and their employees to navigate and process transactions quickly.Versatility: Square Payments offers multiple ways to accept payments, including in-person, online, and through mobile devices. This versatility allows businesses to cater to different customer preferences and sales channels. Whether you have a physical store, an online shop, or you need to accept payments on the go, Square provides the tools to accommodate various business models.

Cons

Account Stability: Square has been known to have stringent risk assessment policies. In some cases, they may freeze or suspend accounts without warning if they suspect any suspicious or high-risk activity. While this is done to maintain security, it can disrupt a business's ability to accept payments and access funds until the issue is resolved.Limited Customer Service Options: Although Square provides customer support through various channels, some users have reported difficulties in reaching a timely resolution for their issues. Depending on the volume of customer inquiries, response times may vary, and there have been instances of customers experiencing delays in getting their concerns addressed.

Pros

Square is absolutely fantastic when setting up a small business and ensuring quick and easy payments from clients. With their secure payments options, such as an online payment portal, clients have an easier time making their payments without the hassle of having to contact the business each time that they want to make a payment.

Cons

The only main drawback is that there are some companies that take out a smaller percentage of the payment fees; however, this one drawback is made up for by the ease of use of the product.

Pros

I've discovered Square to be a really effective way to get money from my clients. They always develop new methods to aid in the expansion of your firm, complete all upgrades promptly, and deposit funds into your account within days.The largest enabling feature that Square provides: The processing costs are reasonable for the goods they offer and they are paid in the least noticeable way possible to not hamper your business' cash flow.

Cons

I think square is great, however we occasionally have difficulties connecting readers

Pros

When I was first researching payment processors, I decided to go with Square due to its features and support for small business owners. I've used this software for years and it's been a great element of my business to ensure payments are processed.

Cons

I would say the recent increase in fees I assume that is a response to inflation, so I understand.

Pros

I can accept all kind of payments. When i started my business I realized most if my customers didn't carry cash. I can take any debit or credit card and if it doesn't swipe with the free reader Square gave me I also have the option of typing it in. My customers no longer have to run to the bank to get cash. With the pandemic going on it also helps that I can take contactless payments to make my customers feel safe. Everyone should know about this and share with other business owners, friends, or familt. I give this software my highest recommendation.

Cons

There are so many pros and I cant think of but one con. It cost every time you swipe a card and a little more if you have to manually type it in. It works out best to pay when you use it if you dont use it that often but if you use it several times there should be a flat rate fee by the month or an option to choose which plan you would like.

Alternatives Considered

PayPal

Reasons for Choosing Square Payments

I didn't have the option of swiping someone's card in or typing someone's card in that may know not to use phones or payment software. A lot of older people didn't have cashapp and most that did also didn't know how to use it either. Square also has contactless pay and electronic invoices that way there is a detailed record of the payment and services for both parties.

Reasons for Switching to Square Payments

The same thing i mentioned earlier is a lot of older people would rather just give me their card to swipe than try to learn how to use all this technology and also if they made a mistake and used a different software they could have accidentally paid the wrong person and most people won't issue a refund. They dont have to memorize cashtags or paypal login and username info. Its just like going to the grocery store and giving your card to the cashier. It can give them piece of mind and have a record of where their money goes when i send the invoice.

Pros

Square is a great solution to a small business who wants to ensure they can be paid easily, regularly and without burdening their clients.

I use it to receive monthly payment for my services for about 30 of my clients and it makes my life and my clients lives easier. Yes, you pay a processing fee, but it is competitive and well worth that small fee to ensure that I get paid. Plus, it only takes me a few minutes to receive payment from all those clients.

Cons

There are some elements of Square that are not as intuitive as they could be. Setting up a clients card on file can be tricky at times, especially if you use the web browser vs. the app. In general, use the app for EVERYTHING you do and you'll be fine.

The other issue I have sometimes is the checkout process. That times a bit of time to get used to and can feel clunky. This should be easier and I believe that Square will do their part to make the updates in time.

The final thing, and this is something that may not impact many people, but I use my headphones a lot. I have to be sure to remember to unplug/disconnect them before opening the Square app. If not, it thinks my headphones are the card reader and hits me with a very loud, old school fax machine connection type sound. A painful experience!

Alternatives Considered

PayPal and Venmo

Reasons for Switching to Square Payments

I felt like Square was a more professional way of charging my clients. I also like how it allows me to set up a client and their card info and never have to mess with that again (unless they change cards). I actually use all of these others at times (PayPal, Venmo and Facebook money) and Square is the easiest to use, verify with a bank account ect.

Pros

Square allows you to take secure payments anywhere. No start-up cost and low processing fees. They also offer a desktop ‘register’ that doesn’t require any software to be installed. Square gave us a professional way to take sales in the field because it eliminates the need for cash payments and gives your customers ease-of-mind when dealing with a start-up. It also provides analytics so that you can track the amount of money you have made and compare that to sales during another time-period. The invoice to email feature was also a time-saver.

Cons

The pre-determined processing term for funds to be released. You could utilize the paid-for early processing feature but, as a start-up, this was often out of reach. We used this service to take deposits to order client-specific materials so this additional processing time made it difficult to plan projects on occasion.

Alternatives Considered

PayPal Zettle

Reasons for Choosing Square Payments

We made the switch from Paypal because the processing fees for Square were virtually the same. The winning feature was the invoicing.

Switched From

PayPal Zettle

Pros

Ease of use, quick payment turn around, helpful support and integration with other software are just a few of the pros.

Cons

There was a recent rate increase that initially concerned me but I was able to find a satisfactory rate by working with my Square Account Manager.

Alternatives Considered

Clover

Switched From

PayPal Zettle

Reasons for Switching to Square Payments

Processing rates & ease of use, square was better.

Pros

#1 Pro, Inexpensive, besides paying for the devices, $10 for the plugin square, $50 for the wireless multi-capable card insert device, which is less than what Merchant services charges you to rent their device monthly or purchase the fees are the same as any and every credit card fee. that is my only expense after the devices are purchased. In addition you download the app to your phone and you don't even need the device, you will lose 1% more but that is still inexpensive.

Cons

to be honest I do not have any real concerns, the only think that crosses my mind is, what happens if i lose the wireless device, does it save any info on it that can be hacked.

Alternatives Considered

Clover

Reasons for Choosing Square Payments

With the 5 year contract I had with Wells Fargo I was paying about 900.00 in fees per year not including the credit card percentage that is charged. With square I have paid out less than 100.00

Reasons for Switching to Square Payments

The initial setup, and the Price of the hardware

Pros

This product integrates with a few different software programs I use, making running my business and accepting payments seamless! I also like the functionality and the overall look and feel of the buy buttons I integrate into my website. Very clean!

Cons

Honestly, I can't think of any cons at the moment.

Alternatives Considered

PayPal and Venmo

Reasons for Choosing Square Payments

I like the intergrations better with the software I use for my business.

Switched From

PayPal

Reasons for Switching to Square Payments

Integrated better with my other software programs.

Pros

We needed a solution to accepting credit card payments, square gave us a quick, easy solution we were able to setup online, get the reports we need to track the sales easily and even allow us to process in person if we need to.

Cons

Figuring out how to access some of the reports, what we are paying in fees and setting up the online store was a bit cumbersome.

Pros

There are many features that I like about Square payments, most important of them being recurring payments and payment reminders. I also get a notification when a payment has been made. I have set it up with my website for consultation booking and it works absolutely fine.

Cons

Ability to take payments in multiple currency should have been good.

Alternatives Considered

MYOB Business, PayPal, Quickbooks Online and Xero

Reasons for Choosing Square Payments

Stripe was not syncing well with my accounting software (Xero and QuickBooks) so I had to shift to Square and PayPal was proving to be expensive.

Switched From

PayPal and Stripe

Reasons for Switching to Square Payments

I choose Square Payments over all these because of ease of use and quick integration with other business apps.

Pros

Square is very easy to use! I am a soap and candlemaker who does a lot of farmers markets and shows and Square has made it very easy for me to accept credit cards on-the-go. For those who like to input inventory, you can do so at your laptop and simply select the products that customers are purchasing from your store or market stand shelves for ease of use. I prefer the option that lets me manually enter an amount. Tax is configured on a separate screen prior to usage. When entering in an amount to charge, the square app calculates the tax automatically. I really like the square payment processing wireless chip reader that allows me to accept credit cards that are chip enabled. Customers sign for their purchase and then indicate if they want to have a receipt sent to their email or their phone, an eco-friendly solution and a way my business cuts down on costs. I don't have to purchase receipt books! At the end of market, I push a button and the funds I charged are in my bank account within seconds!

Cons

Nothing. This is a win, win situation for small business!

Pros

It's easy to use. Your favorite device becomes your POS which is convenient especially for those of us who do work on the road.

You can get instant deposit with an extra fee which is nice.

Cons

I don't like their customer service. You have to pay extra to be able to call their customer service number and even if you do (because I did the trial for premium service), they don't really resolve anything.

I also don't like their dispute process. You get very limited time to submit your documentation proving the transaction was valid. Some paperwork takes a while to get from clients.

AND...they allowed a couple of clients to dispute charges that were from the year past, which I still don't understand.

The worst part of the dispute process is that they'll take the money from your account and then take forever to return it. In both my cases, I had to pay the premium service to be able to talk to customer service, which got me nowhere and then had to email the dispute team with additional information (which you're not supposed to do since they have a form you fill out through the portal).

And then, if you have customer who makes purchases for the same amount...you can't do instant deposit because they'll hold the funds to make sure you're not ripping people off even though you've demonstrated to be a credible and reputable business.

Pros

Setting up Square to accept payments through a device like an Ipad, phone, or laptop, through either swiping or manually entering information, is as easy as it gets. Highest marks for virtual terminal and checkout links, as well as snapshots of important information such as how much is the average a visitor spends, and how much is taken in for a given day. Best of all, payments to your account are very quick, with a fantastic option for instant transfer.

Cons

Hands down, the awful thing about Square, and the thing that could use the most improvement is the Online Store. It looks awful, isn't easy to customize, and takes a bit of knowhow to even get your product or event listed. I've used this for years and keep waiting for Square to make this something that has as much quality as the rest of their service. It doesn't look like they are interested. Also, merchant services through banks charge fees that the average small business owner can't justify.

Pros

The mobile card reader was appealing, but it doesn't make up for the major issues I had with the service.

Cons

Customer service was terrible. It was difficult to get a live agent on the phone.

Pros

I love that if you're "out on the field" at tradeshows, farmers' markets, etc you can still complete orders that count toward your overall revenue. The analytics piece is awesome.

Cons

There had been some restrictions with some industries that made no sense. One of the brands was denied. It was nothing illegal. The processing fee could be lower.

Alternatives Considered

PayPal and Stripe

Reasons for Choosing Square Payments

Accepted our industry.

Switched From

Authorize.Net

Reasons for Switching to Square Payments

Industry issues. We'd used them in the past.

Pros

We previously used a merchant services company that integrated with our dental software. We were unhappy with the constant changes and upgrades needed to maintain functionality. Accessing reports was difficult and time consuming. Our fees were excessive so it was time for a change. Implementing Square was much easier than I anticipated. I was able to negotiate our fees based on the way payments were received in our office. I appreciate that the terminal is mobile so it can be shared between the reception area and the Manager's office. Reports are accessible on the terminal, but using the online dashboard is simple and streamlined as well.

Cons

Figuring out where to order paper/supplies was slightly difficult. It can be hard to figure out how to speak to live support.

Pros

I love that almost every feature available is on the app and that I don't have to worry about dragging around a laptop with me. I can manage my inventory and service options on the app, including adding product pictures and SKU numbers, if needed. I can send customers' invoices that have already been customized like it's nothing.
While the price isn't the absolute cheapest processing on the market, it's definitely close to the cheapest, which is always nice, especially when you already have pretty small profit margins.

Cons

There are some features that are offered that I wish did not cost extra money on a monthly basis. I think a payment plan that would make more sense would be that depending on how much business you do per month would "unlock" certain free features or something like that. That would allow for more versatility depending on your business size, instead of having to worry about an extra bill every month.