Square US Reviews 

I have been a Square customer for over 15 years, but they have now blown up the relationship. My account was suspended by what appears to be an automated system for doing nothing out of the ordinary, just attempting to move some Bitcoin from their platform to one of my other wallets, which I have done multiple times. As a result, they have not only suspended access to my Bitcoin, but my entire account. My business is now largely decapitated, and despite doing this to me on a weekend, they provide zero help and expect me to wait until Monday, and then give them even more time to even look into this. Square: you have competition, we do not need you in particular and do not have to stand for this sort of abuse. This review is just the start of what I am going to do (enjoy the CFPB complaint that I have already filed, too).

I am writing to report Square’s account recovery process and their refusal to accept legal verification. After losing access to the email address tied to my account, I contacted customer support to restore access.
To prove ownership, I offered to present valid, government-issued documentation, including my state photo ID and Social Security card. Support flatly refused, stating they only recognize access to the original email address.
Withholding account access and funds while refusing to verify identity through official legal identification is completely improper. Because Square refuses to provide a reasonable alternative for identity verification, I am submitting this formal complaint and taking steps to pursue legal action and regulatory intervention.

Long-Time Square Customer — $40,000+ Held for 120 Days

I had an extremely frustrating and damaging experience with Square.

I had been a Square customer since 2018, with years of transaction history through their platform. I had processed many transactions over the years, including a transaction of approximately $46,000 in November, without this type of issue.

Despite that established history, Square decided to hold over $40,000 of my money for 120 days after I processed a legitimate, in-person credit card payment from a customer. The customer physically tapped their card to make the payment for legitimate remodeling services.

What makes this especially difficult to understand is that Square already had years of history with my business. I wasn't a brand-new merchant suddenly processing my first large transaction. I was an established customer with a track record on their platform.

I understand that payment processors have to manage risk and occasionally review transactions. In the past, Square sometimes held my funds for a few extra days while conducting reviews, and although inconvenient, I understood that. Holding more than $40,000 for 120 days is an entirely different situation.

As a small business owner, cash flow is critical. That money is used to pay employees, subcontractors, suppliers, materials, and other expenses necessary to keep projects moving. Having such a significant amount of legitimate business funds inaccessible for months placed an enormous and unnecessary burden on my company.

Throughout the process, I repeatedly contacted Square looking for answers and a resolution. Instead, I received generic responses and very little meaningful information about why such an extreme hold was necessary.

After being a customer since 2018 and establishing years of transaction history with Square, I expected much better treatment, communication, and transparency.

This experience completely destroyed my trust in Square.

If you own a small business and occasionally process large credit card transactions, I strongly encourage you to understand Square's hold and reserve policies before trusting them with a significant payment. Your business may depend on having access to those funds.

After this experience, I cannot recommend Square to other business owners, and I will be taking my payment processing business elsewhere.

Deactivated my account without any reason or notice. They froze my funds and told me it would take 90 days to get my money. Such a scam. Don't use them.

Customer service give u the wrong answers to how to handle a canceled dispute. Then when caught in the mistake blame it on you. Tell u that u have to wait 1 to 5 days to talk with a manager. Make u wait extended times for money that you have proved are not disputed

Don't link square to your business until you try the process of payments and payout to make sure that you will not be screwed up and your money will be held affecting your business

They sole money front an LLC company to satisfy a sole proprietor debit. Not legal

This platform deactivated my account and is currently holding $8,573 of my funds. It has been over 4 months, and they have completely failed to release my money or give me clear timeline.
Holding a user's payput for this long without valid justification or clear communication is completely unacceptable and feels illegal. I have tried reaching out to customer support multiple times, but only receive generic, automated responses.
If you are a business owner beware. They can and will freeze your livelihood without warning. I demand the immediate release of my funds. If this is not resolved immediately, I will be forced to escalate this to the BBB, consumer protection agencies, and legal counsel.

Very disappointed with Square. I paid monthly fees expecting support when I needed it most, but I felt completely let down. A customer disputed payment after I had already completed the service, and I felt like Square did very little to help me or fairly review my evidence. Losing the full payment was frustrating, and the customer service experience did not meet my expectations. Because of my experience, I have decided to stop using Square and switch to another payment processor." Hope you're able to sort this out with your bank tomorrow, and find a payment service that's a better fit.

We contacted square about a double charge to one of our clients. They would or could not tell us how this happened. They told us that for the inconvenience they would apply $1000.00 to our account to cover processing fees; however, they only covered the processing fees of the first $1000.00 that we processed. When we called customer support, they gave us the run around, said that we could not speak with a supervisor because our request to do so was declined. We were advised to do all communications via email, even though we had them on the phone. They are not helpful at all and we are dropping square for a another credit card processing company. Consumer beware!!!

Im a combat veteran who trains service dogs. I'm small time and small business. Square has been holding funds. I attempt to rectify and nothing. I can't survive not getting paid. SAVE YOURSELF DO NOT USE SQUARE!! Going to post this on every square ad I see since I have nothing better to do.

I love banking with Square. These guys are the best!

I dont understand how they get a score of 3.8 they are disrespectful answer no questions and dont give a crap about a small business or a person just trying to get by it is absolutely disgusting. Try to find out any information on there check cashing policy was a imposable take all the while they held a 1000 dollar check from my business for 14 days never have i ever had a check take so long and i talked to the issuing bank the check was cleared and payment sent 2 days from the date on the check so not sure what the hold up was or what really went on with my money for 14 days but they say it is the ach check cashing system which i understand stand s for automated clearing house where the request the funds from the issuing bank and the issuing bank bundles all charges from the day and sends them in one dump to the requesting banks so if the funds were sent 2 days from the check date whÿ would it take 14 days where did my funds go and square just says sorry about your luck it says in the policy it can take up to 6 business days which basically should say 11 days if you submit on a saturday but if on a friday apparently it is 14 days and if you want to talk to a managerwell they dont transfer calls so a manager will call you back in 4 days if you chose and when they do they are less willing to answer question then the non helpfull regular call service people but they are all good at quoting fron there manual and that is where it ends but whatever i would just chose to not deal with them ever again and i hope this helps at least one person to save them from this terrible customer service company but im sure the have enough time and money to have a troll on these review sites to send a bunch of crap to people that do review

Square has been an absolutely positive to deal with. They provide quick responses to any issues and are extremely easy to interact with. The staff or professional and go above and beyond to ensure my small business operates efficiently when it comes to payroll and taxes. Thank you to the square team!

I got my account verified now a day later they are saying its not matching and need additional documentation asking for all type of stuff about customer. This is a follower-up to my previous post. I see why they are getting negative reviews and once I get my money out I will make sure no one joins this company. These people have been holding my funds for 3 days now due to a identity when its clearly me and my information matches. I may need to report this further

This is a follow-up to my last recent review.
Again, merchant processing is great although fees are STEEP!!
2star, because Now, They meaning Square bank, CASHED A CHECK AND KEPT THE MONEY! They-meaning an employee or group are in possession of $650.00!,that is, Cleared Funds through all clearing house aka. ACH!
The funds have been in their possession for 53 hours to date.
What and why in the world are they in possession of my funds? Embezzlement? Investment? Borrowing free of interest?
I'm not sure but I know I don't have these already cleared and guaranteed funds.

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. It is interesting that Square feels it is ok for them to record our conversation but not the customer to do the same !!!!

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.