Square US Reviews 7,364

As the owner of VibeCity , my business depends on reliable access to client payments. Unfortunately, my experience with Square has become one of the most disruptive experiences I’ve had with a payment processor.

This is not an isolated incident. I have now experienced this process twice.

The first time, my account was placed under review and I completed every verification request that was asked of me. I submitted extensive business documentation and identification, waited through the review process, and was ultimately informed that my account had been approved and cleared to continue accepting payments.

I even spoke directly with a manager who confirmed my account was in good standing and that I could continue using the service.

Based on those assurances, I accepted another client payment for $250 and had already configured my account to use the instant payout option.

Instead of receiving the payout service I had been approved to use, I was unexpectedly placed into another verification review immediately after accepting the payment.

I received no advance warning that another review would occur, no explanation that my payout would be interrupted, and no notification explaining why the process had started again.

What made the situation even more concerning was that the payment and payout activity temporarily disappeared from my mobile app. My available balance was gone, the pending transfer was no longer visible, and there was no clear tracking information explaining what had happened. From my perspective, it appeared as though the transaction history had simply vanished until I later logged into the desktop dashboard, where I could still see the payment.

I upgraded to Square Premium specifically to obtain 24/7 phone support because I urgently needed answers. After spending a significant amount of time on the phone with support, the representative acknowledged that they could see I had recently completed verification but could not explain why another verification review had been triggered immediately afterward.

The result has been repeated delays in accessing legitimate business funds, missed business commitments, hours spent with support, and significant disruption to my operations while traveling internationally and relying on my U.S. business.

My concern is not that reviews exist to protect the platform. My concern is the lack of consistency and communication. If a business owner is told their account has been reviewed, approved, and restored, they should be able to rely on that approval. Requiring the same verification process again without explanation immediately after accepting another payment undermines confidence in the platform.

I hope Square reviews this situation carefully, explains why this occurred twice, improves communication around account reviews, and creates a more consistent process for businesses that depend on timely access to their funds.

This review reflects my personal experience with the platform and my hope that these issues are addressed for all business owners.

This experience is being reported in connection with my business operations under VibeCity Collective LLC. I am requesting clear resolution and transparency so I can continue operating my business with reliable access to customer payments. This review is tied to my business account experience as a verified user operating under Dba VibeCity.

I do not recommend this service. They scan me with $850 supposedly was a charge of a customer. I got in contact with a customer and he said he never did the charge square Ralph me $850. I do not recommend it. The customer service is really horrible and it’s not recommendable. I will put zero stars but there’s nothing I can do about it. They rob me.

Square is the absolute worst is no doubt part of a Ponzi scheme of sorts in freezing thousands of accounts weekly and forcing 90 day holds and account closures to keep the scheme going giving it a never ending cycle. They made me verify 4 times in a span of 10 days, 3 times in 3 days and 2 times within 24 hours. On the last day after several chats and emails I told them let me have my money then close account so at 2:08 I received email stating verification good and account normal, at 2:15 I went to withdraw funds and they blocked it again for “verification” purposes. 7 minutes after verifying is ridiculous. When talking to a very drunk under the influence “account representative “ I repeatedly asked him to stop slurring his words and stop mumbling and asked for somebody else and as he put me on hold I received email stating account was closed as he can back on phone with a drunken laugh which set me off and what I said next I’ll leave out of this review. After verifying successfully every single time they have not closed account and holding my money to use in their Ponzi scheme to pay one of their last victims and same will happen in 90 days when I receive my. Funds. They have taken food off my table, made my heart monitor go off more than ever sending me to hospital bc of BP while they sit back and laugh at damage they do. DO NOT USE THIS COMPANY, will be pursuing legal action

They have a very bad loophole where your business customers can dispute a complete transaction that they made with your company and their banks will force square to reverse the transaction in favor of the customer irrespective of every evidence that you present to show that you legitimately provided the service. And all square does afterwards is come up with flimsy excuses for allowing your customers to swindle you out of the money they paid for the service you rendered to them.
Look for other alternatives out there until they address this issue.

PLEASE RUN AWAY FROM THIS SITE, THEY LET CUSTOMERS SCAM YOU OUT OF YOUR HARD EARNED MONEY!!! ALL YOUR CUSTOMER OR CLIENT HAVE TO DO IS DISPUTE WHATEVER LEGITIMATE TRANSACTION YOU HAD WITH THEM AND THEIR BANK WILL ROB YOU ON THEIR BEHALF WHILE SQUARE PRACTICALLY ALLOW THEM TO SCREW YOU...AND TO ADD INSULT TO INJURY, SQUARE WILL RETURN TO TAKE THE MONEY OUT OF YOUR BANK ACCOUNT GIVING YOU A DOUBLE SLAP.
RUN AND FIND YOURSELF A BETTER ALTERNATIVE APP!!!!!

Don’t use this processor they closed my account and they are withholding my money for a whole month with no true explanation they said that due to the information I have provided about my business but I didn’t provide them no information for them to close my business account and account services is just as useless they provide the same information the email does they just replied to my review lying again there is no detailed reasoning on why they closed my account square is some clowns 🤡

Tried to signup with square as a small business owner, provided everything they as asked for identity verification. And after successfully creating the account I tried multiple times to charge my customers via subscriptions and invoices but all of the payments get failed without any reason. Tried to contact support and they said everything is alright on their end which is not.

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.
The issue was only addressed after formal escalation to federal and state regulators. To close out the matter, their Senior Complaints Management team refused to provide standard corporate identifiers for transparency, explicitly cited Section 5 of their Terms of Service to deflect accountability for hosting the unauthorized content, and directed all further correspondence to their agent for service of process (CT Corporation). Highly problematic data governance, deceptive billing practices, and a complete disregard for merchant security protocols.

In the middle of the most frustrating support experience I have ever had. They will not allow you to speak to a person directly and when you call, the automated service sends you a text so you can begin a live chat rather than speak to someone on the phone. They can't find my account even though I am looking directly at my dashboard after logging in with the exact information I have given to them 5 times over chat. I will be transferring all of my domains elsewhere. I need customer support that actually works.

After creating my account with square and verifying my identity I was unable to charge my customers every payment failed, tried to charge my own card and it also failed. There is some serious issue with payment processing.

The actual product is ok…until something goes wrong. I’ve been trying to get a problem fixed with our company website for OVER A YEAR! Customer service is a joke. They repeatedly hung up on me (no, I wasn’t out of line). It’s impossible to speak to someone qualified because they outsource all their reps. They refuse to transfer you to a supervisor. You’ll spend literally 4 HOURS on the phone with different departments to be told “oh, this is the wrong department for that problem. I have to transfer you to another person.” Pathetic!

Serious Transparency Issues with Refund Processing Fees

As a business owner in the estate liquidation industry, I rely on clear, transparent financial tools to manage my margins on high-value items. Recently, I processed a $4,050 payment and subsequently issued a refund four hours later.
I was shocked to discover that Square retained the $141 processing fee despite the refund. While I understand Square hides behind their extremely lengthy policy, that everyone must acknowledge reading, to use their services regarding non-refundable processing fees, my major concern is the complete lack of transparency at the point of action.
When I clicked "Refund" in the Square dashboard, the system provided zero warning or notification that I would be charged a significant fee for reversing the transaction. For a platform that positions itself as a partner for businesses, there should be an explicit alert—such as a prompt asking to "Confirm refund and acknowledge that the $141.90 processing fee will be retained"—before the action is finalized.
This lack of transparency is a significant operational drawback for businesses like mine, where every percentage point matters. I am sharing this experience as constructive feedback to Square's product team: please implement a warning notification for refunds. Without it, business owners are blind-sided by costs that are not clearly communicated during the refund process.

Honestly wouldn’t even rate this a 1. They did my LGS store dirty by supporting/allowing a crook to pass over a fraudulent charge and not refunding the owner of the store. All they do is hang up on the man. Just because yall have money to blow doesn’t mean everyone else does. I mean why would it take so long to get him his money back when the crook used YALLS SYSTEM?! Who owns the call center? Iran?! Cmon man having the option to not speak to a manager will be y’all’s downfall I promise. It ain’t worth yalls rating dropping. Just take the L and refund @broswithbigdecks unless yall like being on full blast idc either way but I’ll continue to write reviews until yall fix this. I’ll remove this when it’s fixed

Square decided to arbitrarily stop a nice, local, game store from collecting their payments in a prompt manner. Then they refused to escalate the matter to a manager. Hanging up on a store owner is unacceptable. Trash company and you get the review you deserved.

The chat was not helpful. I spent too much time off my job to fix the problem.
Upon speaking to the last rep, he was able provide clearly and directed me the right person to resolve the problem.
Note: I had been call and dealing with
char from May 21. The rep was very held
and could response and follow his direction. Please make more reps available. He was great. You need more
intuitive individuals .

After 2.5 years of service. The company arbitrarily shut off our merchant services account citing policy change. when asked, on appeal, to provide details as to the "offence", so that we could mitigate, they could not, would not. five days later, they sent a triumphant. we're good email, never justifying the outage. simply calling it an inconvenience. when we called customer service we spent an hour running around in circles, reasserting credentials etc... BTW don't tell them you're recording, even though they are, they'll hang up. i talked with 5 new "friends" helping, over an hour - no progress has been, made to date - we now need to run a backlog of card not present invoices, at a much higher processing rate. they simply do not appear to care. their policy is to shoot first, then ask questions. my question is what of the future?
Update: we asked them to cite their concerns, specifically, they did/would not. After 5 days they turned our services back on. One week later they came back threatening to de-bank us, sill without any clear explanation or cause. on several occasions we asked to talk with a manager... to date, they have not provided access.

My experience is very great with square

I currently use Square for my business consulting firm and my experience so far with Square has been great of America transparent and I really feel that it is a great point of sale system and I recommend it for any person who starting their own business or needs a point of sale service

Update: they responded to this review but not to me, they have the absolute worst customer service, with ZERO resolution. Again use someone else to process card payments with, we are moving to Clover.

This is the absolute worst card processing out there. First off, extremely high fees. Second off, if you have 3 years of perfect processing with no disputes and no negative balance, then get a dispute, they will drain your account, add a ton of fees, and ghost you on getting it resolved. Then when you win that dispute, they dont return the several thousand dollars they took and call it a reserve for disputes in the future. Forget customer service, just throw that out the window, rude, unhelpful and generally dont care. DO NOT USE THIS SERVICE!!!!!!!!! Go to Clover, Stripe, LITERALLY anyone else. If I could give them negative stars I would. Absolute trash.

Been using square for a while, and have been very trust worthy and helpful with my business banking, and any issues that needed to be resolved. Would highly recommend.