Square US Reviews 

I just received the following email from Square:
Hello Jack,

Since Square Customer Success does not consent to being recorded - I’m happy to continue our conversation over email.
Reply back to this email and let me know what’s going on, and we’ll work together to resolve the issue as soon as possible.
You can also check out our FAQs – there’s some great information there!
We are very sorry for any inconvenience. 

Thank you so much for being the best part of Square.

Always keep yourself safe! And have a wonderful day!
Iris J
Square Customer Success

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And below is my answer:
The only way for improvement is NOT hiding behind wrong doings and only reason for not allowing recordings is to hide your wrong doings.

Merchant sales processing is okay as far as working normally however fees are a tad steep but that's not why I give a 2 star review. I give a 2 star review because square banking is atrocious to say the least. I process sales and money in/out of the account multiple times per day every day. 1 week ago I took a personal check for a sale and it processed in 15 minutes. Today I take another check for a sale and it's been 8 hours and still no processing pointing out serious flaws and inconsistencies within the system. As a result, I stopped taking checks which hurts seniors citizens and I had 2 productive meetings with other merchant processers who had a lot of proof to show square is facing financial trouble and that's the reason why checks are not being rapidly processed and fees are higher than ever. They have a very high employee and customer turnover rate according to Rasmussen privately obtained data that I said I was going to share publicly and am doing so to warn other merchants to stay away from square because it will hurt your business as it has hurt mine.

My account was compromised, and frozen. Have been locked out for over 13-days with no success in unfreezing my account. Multiple calls to the customer service department, several "rush" orders put in, and no one has responded, my account is still frozen, and I am unable to access my money. If this is ever resolved, I will never use Square again, and will be taking my business to a local bank, and not a "online" setup. This is about to make me go bankrupt!

My account was compromised on June 22, 2026, and I reported the fraud to Square immediately. While the individual support representatives were courteous, the overall fraud support process was extremely frustrating. I spent weeks being directed between chat, phone, and email support. After my account was deactivated, I was repeatedly instructed to call, but the automated phone system would not allow me to speak with anyone because of my account status. I was also promised callbacks and email updates that never occurred.

My biggest concern has been ensuring that the fraudulent transactions are properly handled in my account records and are not treated as legitimate business income or included in my tax reporting. As of the time of this review, I am still waiting for final written confirmation regarding those issues.

I understand that fraud can happen to any payment platform. My disappointment is with how difficult it has been to communicate with the appropriate team and obtain clear answers during the resolution process.

They are absolute scammers they stolen my funds there is $9k in my account after deactivating my account without any reason they withheld the funds for 90 days and mentioned the release date of 31st July,2026 but they never released my money on promised date.

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.

Disgusting company, that gives zero respect to businesses that have it solely used it long term.

Easily lays down on fraudulent disputes and wants to suck the money out of personal account with no help or recourse.

I don’t think I will use Square again. It was fine for the first few weeks, after that I charged my customer for a higher amount because we did more work. Square flagged my transaction, asked for many forms of verification. Once I provided my verification, they locked my account and held my money for 2 months. Even though all my paperwork is in order, very frustrating.

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.

Compounding the problem, Square is holding the funds remaining in our Square balance until September 9, 2026. Square has also stated that, in some cases, this hold may be extended.

As a small business, this has created a significant disruption. We are now having to replace our payment processor and rebuild or migrate our website, online booking, invoicing, scheduling, and other systems that relied on Square, while simultaneously being denied access to funds our business has already earned.

We understand that a payment processor may reserve the right to terminate an account. Our complaint is with the lack of a specific explanation and the continued withholding of our business funds while we are forced to transition to other services.

We are requesting that Square provide a meaningful explanation for the account closure and release our eligible funds immediately rather than holding them until September 9, 2026.

They won't release your funds after a promised time.
Mentioned 90 days hold on payouts after account deactivation and never released my money despite reaching customer support multiple times.

Do you enjoy companies that have a support staff that will literally transfer you 35 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 with out prompting! In all seriousness avoid this sham company at all cost.

Reply to Squares reply:
Reach out on social media? Is that a joke? You just said you were going to personally, help me and then immediately say I gotta do more work, And waste more of my time to talk to you. I'm not joking when I say I was on the chat for over 4 hours. The exact amount of times I was transferred by the end is literally 45. You asking me to once again, waste more of my time is frankly insulting. And asking me to reply to an email from your team? I've already stated that I've sent emails and went completely. Ignored why would I waste more of my time
Especially since it's obvious, you're not actually going to help.

It always disconnected from the internet at least 3 times a week. It was a pain in the butt to get it back on. One good thing, we could still have people pay with bank and credit cards during the time it was off. But it kind of sucks wen your busy and u don't have time to reconnect internet. I'll never use Square again

I had to try and delete my weebly account but since they were aqquired by squareup i had to create a squareup account. But then, weebly kept redirecting me to squareup and squareup redirecting me to weebly. Their support didnt help much.

I asked support to delete my account but they only deactivated it and didnt do anything.

Please DELETE my squareup and weebly account and all data.

I love the ease of use and the organization of daily, weekly, monthly and yearly profit margin.
My concern is that when my debit card got compromised and the frauds were making transactions that I didn't authorize, it was going through. After 15 unusual transactions, I was surprised that Square didn't stop it or alert me. Only emails telling me that my card got denied because after a few unauthorized transactions, I locked the card.
Me disputing the charges and recouping the loss, Square did take care of that.

Overall, it is worth calling and question about how they handle fraudulent activities. Maybe it'll boost their security.

Square has been a great addition to my business. The invoice app makes everything easy. And customer service and quick and efficient.

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!!!

They are easy to use and sign up, a little expensive and they absolutely do not back the business in a dispute. They just take the money out of your account even before a dispute is resolved. That’s bad business and especially for small businesses. Be careful because some people come to your business knowing they are going to put it a claim to get money back even though you did what was said in contract and you have all the info to legitimately show but square folds right away . Like I said, easy to set up , easy to use but they have no business backing .

Four hours. Two calls. Thirteen transfers. That's what it took to get a non-answer from Square after their own resubscribe flow caused me to accidentally downgrade my legacy plan.

Agents gave conflicting information, one lied to get me off the phone, and when I finally reached a manager I was told nothing could be done. The $2,000 "credit" they offered as compensation was actually a processing fee waiver worth about $50.

As you can see in the attached screenshot, I had an active Square Online Professional Plan at $192/year with a next payment date of February 10, 2027. To get the same features back today, Square wants $588/year for their Plus plan or $1,788/year for Premium. That is up to a 9x increase for functionality their own support team cost me through a broken interface.

I've been a customer for over a year. I now operate on their free plan, not by choice, but because their interface cost me a grandfathered rate I can never get back. Small business owners beware: Square's support does not match their marketing.

Square is absolutly horrible. I was a customer for my business and had a dispute in which I provided all the proof to reverse the charge. They not only did not fight for me but cancelled me as a customer. In this process there was an additional charge from another customer for $1000 that is not disputed and is still doing business. This was 90 days ago and I still have not received my money. I spoke to several sustomer support reps in which they said I would have my funds before this 90 day window. Now I just spoke with the most iincompetent rep ever Evette from the Philipines who not only told me there is nothing she can do for me but said she can't put me on the phone with a manager or give me an email. When I asked her to transfer me she said no and she is now ending this call and hung up on me. I have all the recording from this company and I would be very careful if you are thinking about using them. I switched to Stripe and can say all good now. They will be hearing from my lawyer

Avoid square if you don't want your funds to be withheld forever illegally.
They are withholding my funds from last 2 years after deactivating my account despite mentioning a release date in their deactivation email they never released the funds. They stolen my hard earned money.