Square US Reviews 

Absolutely amazing with disputes.

I LOVE SQUARE THEY ALWAYS ASSIST ME AND MAKE MY EXPERIENCE EASY AND SATISFYING THANK YOU SQUARE

I have been asking for something to be resolved.. nothing has been done. I am paying for a service and they cannot deliver. they will take your money but not help you with any issues you have with the service

Filing a dispute for an unknown/unrecognized charge on my square account was surprisingly fast and easy. Then to my surprise my dispute was resolved in my favor on less the 24 hrs., and the money was refunded back into my checking account immediately. There was no hassle, no back and forth emailing, no forms to fill out further explaining my issue/dispute. Square gave me the benefit of the doubt, believing me wehen I said that I was unaware of the charge, a gesture not often given these days. I appreciated the effortless and hassle free dispute process.

I have been using Square for 4 years. It's mostly been a positive experience. Until today. I have been doing work for a national company at stores they manage locally as a contractor. I use Square for estimates, invoicing, banking and even crypto investmenting. They froze my account today right after a $2500 payment from the same customer using the their same card. The payment was made online. The customer used the pay now button on the Square invoice I sent them that was generated from a Square estimate. The payment went into my Square bank account. Just like the 10 or so payments from the same customer before this one.
I work a full time job. I have a small business that started out as a small gift shop for the company I work for. I left that company and pivoted into a commercial services business. I have been working hard investing the money i make back into it. I want to eventually make this my only work. Having my account frozen with zero warning is just not acceptable. Everything I do is legal and I am very transparent. I have all the permits required and I follow the rules. I even run my cash transactions through square for accounting and taxes.
After 4 years of the same person with the same legal business with the same EIN number, filing taxes and following all the rules, I would expect a heads up before freezing the account. Would it be that unreasonable to ask about a transaction that flags the system? This is a wake up call. I like the software. I like that I understand how to use it and it is helpful in many ways. But losing access to the money I work very hard for with zero warning...... That is just not acceptable. I understand that fraud is real. I would understand if I had just opened my account or if I had a lot for prior instances of questionable transactions. A quick review of my account would answer every one of the questions in your info request. I literally use Square for every part of my small business. For the amount you charge (over $80 for this one transaction) this should never be a problem for an established account. You probably just lost a good customer.

Easy to make a dispute and it was resolved quickly!

NEVER, AND I MEAN NEVER SIGN UP FOR THIS COMPANY. IF YOU CARE ABOUT YOUR BUSINESS AND RESOURCES, YOUVE BEEN WARNED.

UPDATE to Square Reply:
As I have shared in detail, there has been no one "support" me. That is the reason for this post, unfortunately.
I wrote this to SQUARE LOAN SUPPORT:
I took out a 120 day loan with you on 9/3/26.
The terms showed a minimum payment of $649 every month by the 3rd of the month. That means before Oct 3, you will take the total out of sales between Sep 3rd to Oct 3, or the balance of $649 that is not paid by Oct 3 will be taken out of my business checking account.
Today is Sep 23.
You have already taken $906.36 out of my sales, and the due date is not even until Oct 3.
That is $257.36 OVER the minimum amount I owe on this loan, due to your terms.
I would like the $257.36 deposited back into my business checking account, ending in 4867, immediately please.
This is deceptive and not ethical, in my opinion.
You didn't give me any more money on the loan than was agreed, yet you are taking more back in repayment than you set the terms for.
Thank you for your prompt response and deposit into my business checking account.
SQUARE REPLIED with this response:
"Thanks for contacting us! I'm Bryant and I am reaching out to you on behalf of the Square Loans Team.
One of the benefits of a Square Loan is flexible repayments – paying a fixed percentage of daily card sales allows you to pay more when your business is busy and less if things slow down.
Your repayment rate will continue to be applied to your daily card sales even if your minimum payment has been met and until the loan is paid in full. We are unable to lower or stop your repayment rate outlined in your loan agreement.
However, you do need to meet the following minimum repayment requirements:
Minimum payment: A minimum of $649.00 of your initial loan balance must be paid every month. The fixed percentage of daily card sales applies towards the minimum payment. If there is any amount remaining when at the minimum payment due date, it will be debited from your Square balance, or your linked bank account if there’s insufficient balance. If you meet your minimum payment requirement for a given 30-day period, additional payments will be applied to your next month’s minimum payment. This helps your business make consistent repayment progress.
Loan Maturity: The loan balance must be repaid in full within 4 month of your approval date. Your exact Loan Maturity Date is reflected in your Loan Agreement.
The Square Loans team regularly monitors accounts and may contact you if you are close to missing a repayment deadline. You are also able to track the current progress of your minimum payments on your Square Dashboard.
Don’t hesitate to reach out if you need help with anything else. Have a great day!
Sincerely,
Bryant
The Square Loans Team
MY REPONSE TO THAT:
"That’s your response. Ok. Nice cut and paste.
And this is another example of “support” in 2026.

“Don’t hesitate to reach out if you need help with anything else. Have a great day!” 😆

Curious, what do you felt you “helped” with Bryant?"

They take care of you. No worries.

WARNING!!!!BUSINESS OWNERS...stay far away from using square!!!they don't defend there customers when it comes to card disputes and you will never win one I had 1 in 15 years and lost $3775.00 and square got all the documents to fight and prove our case

WORST CUSTOMER SERVICE EVER. A tax form on Square was incorrect and reported thousands of dollars as MY income to the IRS. Need a correction to a tax form? Sure, they have a process for that TWO MONTHS AGO AND DESPITE CALLS TO SQUARE AND THE FACT THAT THEY KNOW THE IRS IS WAITING FOR THE AMENDMENTS, THEY HAVEN'T DONE A DAMN THING now the IRS IS THREATENING TO SEND THE 'TAX BILL' TO COLLECTION. I can't do a damn thing to fix this since the amended forms--which I've been told SQUARE can fix and resubmit--but it's been 7 weeks and not one word from Square and a runaround when I call.

Prompt service follow-up and communication. Fast resolution with a reasonable amount of work and information for me to provide (with no inconvenience). Although it was written, I felt heard, and the representative (Les) was diligent in resolving it with a more-than-satisfactory outcome. Back in business in no time!

A weebly domain setup issue, which was resolved quickly and with outstanding customer care

It’s so bad. They only care for their sorry ass and not for the loyal merchant trying to make money online. I don’t freaking scam people and yet they hold my funds as “verification check” when I actually fulfill my sh*t. I hope this company falls. I don’t care what relationship you have with the card networks but you all need to get better services for your merchant because this is stupid.

Stop holding my effing money

I had a very positive experience with the Square Online and Weebly support team. The advocate who assisted me was extremely kind, professional, patient, and efficient throughout the entire process. They quickly understood the issue and helped resolve a situation that could have resulted in our website being blocked and becoming unusable. I truly appreciated the support, clear communication, and helpful guidance I received. Excellent service and a great customer support experience.

worst payment processor ever. Will gladly take my money, but the moment I want to withdraw, they review, ask for a bunch of documents which I provide, and decide to close my account even though I haven't broken any rules. Then they hold my money for 180 days. How about you do that upfront assholes! Very unethical.

I signed up for square payroll - they said I am ready to process - and after submitting first payroll they send me an email saying I am not qualified for payroll - WTF - is wrong with this

I was not able to pay my employees on time due to the incompetence of square payroll

I had valid FEIN state EDD

Now square is contesting my review - asks for more detail - such as transaction id - which they don’t provide

Here is the email I got from square - isn’t it great that they won’t even tell you what is wrong? I went with sure payroll online and right after I submitted they called me and verified me - and I was abale to run payroll same day - Square payroll need to learn from them

Our Account Services team conducted a recent review of your account and we regret to inform you that you are not eligible to use Square Payroll.
For further information about our policies, please review Section 11 of our General Terms.
Unfortunately, our decision to deactivate your account is final. Due to security reasons, we cannot reverse this decision and are unable to provide additional details. Again, we apologize for any inconvenience this may have caused.
Please note that any funds that were debited will be held for a period of 60 days. If you’d like to receive the funds sooner, please reach out to your bank for their funds return policy.
Sincerely,
Square Account Services

Square is holding $7326 of my business revenue and refusing to release it.
They deactivated my account on Feb 26,2026, and promising in writing to release my funds on Aug 25,2026. That date has passed , and they still have not transferred my money.

Their customer support is completely useless and sends generic responses. Holding my funds past the promised date is illegal and predatory.

Do not trust Square!! they will habd out your money like a slot machine! anyone can say they didnt do business with your company and Square will hand over your money! I am a small business and I am out 8 thousand dollars because square gave my money back! 4 thousand for the tires was given back and I had to pay for the tires. And to top it off the lady who got the tires picked them up at my shop now wants a warranty claim on one of the tires she said she didnt buy. And Square is ok with this!! do not trust these ppl they will screw you over! They will not give me the name of the bank if there is really a bank because Square has to protect them. Not me not their customer they have no business being trusted with anyones money!! They stole my money and gave it back to the woman that came to my shop and picked up the tires! she lied and no one gives a crap.

Garbage. Allowed fraudulent credit cards to go through on a $500 gift card purchase on their platform, then charged me $25 charge back plus processing fee.