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Square Payments Reviews

4.7 (2,555) Write a Review!

About Square Payments

Square powers secure payments even when you dont use a reader. Virtual Terminal for over-the-phone transactions, Invoices and more!

Learn more about Square Payments

Pros:

I have used square payment for two of my online stores before, the integration process is very easy, the payment processing is fantastic and the fees is inexpensive.

Cons:

You cannot change the currency once you create the customer, it's really bad because maybe the client could pay with another credit card or another currency.

Square Payments ratings

Average score

Ease of Use
4.7
Customer Service
4.4
Features
4.6
Value for Money
4.5

Likelihood to recommend

8.8/ 10

Square Payments has an overall rating of <span class="">4.7</span> out 5 stars based on <span class="">2,555</span> user reviews on Capterra.

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Filter reviews (2,555)

Ariana R.
Ariana R.
Artist in US
Verified LinkedIn User
Arts & Crafts, Self Employed
Used the Software for: 1+ year
Reviewer Source

Square Payments allows you to accept payments no matter where you are!

5.0 3 weeks ago New

Comments: Square Payments is easy to use and simple to each others. Since I like to do business both on and offline, it is definitely a very viable tool for my art business. Whether I am out in the world vending or just on the Internet sellimg items via my website, this allows me to be flexible with my sales no matter where I am at.

Pros:

Square payment software is easy to use both online and in "RL" (Real Life). If you have a versatile business and you are conducting sales both on and offline, this makes it easy to accept payments no matter where you are! If you are the type to always carry a little bit of product with you, download the mobile app and you can even accept payments when you are just out and about.

Cons:

So far, I haven't found anything that I don't like.

Mateo
Ownder in US
Individual & Family Services, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

Square Payments is easy to set up and allows you to capture payment multiple ways!

5.0 last month New

Comments: We've used Square Payments for the last 4 years and during that time, Square has made a ton of updates that improve the software. For example, we've used their Payment Link option to collect payment from clients retroactively in situations where their card was declined or the wifi was down at the time of service.

Pros:

Square Payments is easy to set up and begin accepting payments for small businesses. It has integration with our accounting software so we can easily categorize payments as they occur and offers great features like transaction reports to stay on top of your money.

Cons:

Square payments does take a fee for each transaction but that is the norm.

Darren
Darren
Owner in Australia
Verified LinkedIn User
Hospitality, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source
Source: GetApp

Massive Incompetence

1.0 2 months ago New

Comments: God awful and excessively costly with their constant service fallovers and enabling thieves to steal from you.

Pros:

Nothing, they have no accountability, no decency, and no competency whatsoever. Fools and clowns.

Cons:

Fraudulent chargeback by a mentally challenged thief that posted photos of his received good publicly. Provided that to Square to appeal the illegal chargeback, and they failed! It couldn't have been easier to win, yet they force you to let them respond on your behalf and screw it up majorly, then refuse to identify the thief so you can fix it in civil court. Disgusting incompetence with no accountability. Don't end up stuck with them like me because of hardware investments, they are beyond awful and will lose your money time and time again.

Tammy
Owner in US
Textiles, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

Square for the win!

5.0 last month New

Comments: I have never had any issues with Square payments and I have been using them for 5 years now for my small business. They are prompt and very easy to use.

Pros:

Square payments make it easy for me to take credit card payments from customers either at my shop or on the go.

Cons:

The only thing I would change about square is to lower the fees, but they are really not bad at all compared to other companies I have researched before deciding on my square.

Elizabeth
Owner in US
Retail, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

User Friendly and fairly priced.

4.0 last month New

Comments: I have gotten locked out of my account a few times and had difficulty getting back in. You better hope if something goes wrong it is not the weekend. Other than that I love having a square account to take credit card payments on the go with my phone. They give you the first reader for free and the POS are actually priced very well. It is fast and easy to not only set up, but to also use.

Pros:

I like that once you start taking payments it only takes 5 minutes tops to appear in your Square account. I also like that you can sign up for a checking and savings account with square and there are no fees for using the card. I like the tap to pay where the customer and I just tap phones together and it makes a sound and a happy face pops up. I can then send a reciept to their email. You get your first reader for free as well. I do not use it anymore really because my phone does not have a 3.5mm headphone outlet, but I prefer tap to pay better anyway.

Cons:

The thing I like least if the difficulty getting ahold of customer service at times. Also when I first started taking payments I had to wait days for the money. I am not sure if I get it fast now because I have a square business checking account, or if everyone can get it that fast. I have used it for so long that I do not recall.

Laurie
Vice President in US
Medical Devices, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Easy set up and payments

5.0 4 weeks ago New

Comments: It was easy to set up invoice templates, based on the types of services we provide. It looks professional on the receiving end and easy for customers to make payments confidently, as Square is a well known name. We can get money deposited into our account quicker than the old merchant service we used.

Pros:

The pricing is competitive. The invoice templates we can send to customers are customizable.

Cons:

There is a lot of extra clicking to get between invoicing and just taking a payment, which could be minimized.

Sadie
Owner in US
Food & Beverages, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

The most user friendly POS

5.0 last month New

Pros:

Honestly, everything. Between 2009-2011, I looked at so many different POS (we were making the switch from an old push button cash register). Even systems that were designed specifically for coffee shops fell wayyyy flat. Then square came along and made it all so so easy to use. I’m not much of a tech person, especially 13 years ago, and set out whole library up while I was on maternity leave and nursing my baby. It was that easy.

Cons:

I am a part of a small local franchise that operates as more of a co-op of shop owners. The one complaint is that We can’t all share gift cards.

adam
Business Development in US
Information Technology & Services, 11–50 Employees
Used the Software for: 6-12 months
Reviewer Source

Alternatives Considered:

A Reliable Choice for Simple, Occasional Credit Card Processing

5.0 2 months ago New

Comments: Overall, Square has been an excellent solution for processing smaller credit card transactions in our business. The invoicing feature is especially useful, allowing us to quickly create and email invoices with direct payment links, which streamlines the process for clients. Accepting credit card payments has removed some hurdles for clients, helping to reduce the time it takes to initiate projects, as they don’t have to wait for ACH or check approval.

Pros:

Square Payments is incredibly easy to use with minimal setup required. I appreciate that there are no monthly subscription fees, which works well for me since I only use it occasionally. The predictable, flat-fee pricing per transaction is a big plus, making it a convenient and affordable option for when clients prefer to pay by credit card.

Cons:

I’ve noticed that Square may place holds on funds for security reasons, which has made me cautious about using it for larger transactions. This limitation affects our ability to rely on Square for bigger payments, as a hold on substantial funds could impact our ability to deliver on larger service engagements.

Timmy
Owner in US
Apparel & Fashion, Self Employed
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

I love this software and the trust that is gives my customers.

5.0 4 weeks ago New

Comments: I do not think my business could survive without it. The library of items, services and discounts all from my phone or ipad is perfect.

Pros:

I am able to take payments and create invoices anywhere. I am able to put in other payment options like a check of cash and still send a receipt.

Cons:

I do not like when I open the all on my phone it takes a few seconds to get to where I am trying to get to. I do not ever use the square reader and it always tries to connect to it.

Brittany
owner in US
Real Estate, Self Employed
Used the Software for: 1+ year
Reviewer Source

Alternatives Considered:

great option for credit collection in person or on phone

5.0 2 months ago New

Comments: great experience would highly reccommend to anyone

Pros:

The ease of collection is great. There also many options of collection. In person, over the phone or by sending an invoice.

Cons:

The fees are the only bad thing but they are still the lowest ive seen .

Regina
Manager in US
Marketing & Advertising, Self Employed
Used the Software for: 1+ year
Reviewer Source

Alternatives Considered:

My Business LOVED Using Square Payments to Grow My Business

5.0 4 months ago

Comments: I used Square payments mostly for invoicing but I have been on the customer end of it and Loved it.

Pros:

I love how easy it was to use and also affordable. When my business wasn't making much, I could not afford Quickbooks and Square made doing business so much easier.

Cons:

Can not recall anything I didn't like about it. It seems it isn't as comprehensive for business accounting like Quickbooks is.

Amy
Business Manager in US
Nonprofit Organization Management, 2–10 Employees
Used the Software for: 6-12 months
Reviewer Source

Using Square to accept payments

5.0 10 months ago

Pros:

The ease of use and quick transactions times are a must for our business. We use many volunteers to help with our sales and most either know how to use Square already or are quick to learn because Square makes it VERY easy to navigate transactions.

Cons:

The only con I would say is that Square has a very long list of reports to choose from to gather the information needed for your company's bookkeeping. It sometimes becomes overwhelming as to which report to use or to find the report that you need. That being said, once you navigate the system a few times it becomes much easier to find what you need or are looking for.

Qiana
Massage therapist in US
Health, Wellness & Fitness, Self Employed
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

Dependable, secure, and easy to use

5.0 last year

Comments: I’ve used square since I started my business over 12 years ago and it has been completely seamless I. How it’s evolved over the years and Good Morning they Ed added features that make sense and make my life easier.

Pros:

I love how intuitive the backend office is to navigate

Cons:

I least like that when using square through third party apps like Acuity, my clients don’t have the ability to add tips to their payment. I have to open the app separately and bill their card on file that way for them to add tips.

Neal
Managing Partner in US
Investment Management, 2–10 Employees
Used the Software for: 1-5 months
Reviewer Source

Square Payment works best for small and medium size businesses

5.0 3 months ago

Comments: My overall experience with Square Payments has been quite positive. The setup process is straightforward, making it easy for me to start accepting payments quickly. The interface is intuitive, which simplifies transactions for my customers.

Pros:

What I like most about Square Payments is its user-friendly interface and versatility. It simplifies the payment process for both businesses and customers, allowing for easy transactions whether in-person or online. The integration with other Square tools, like inventory management and analytics, also makes it a comprehensive solution for small businesses. Plus, the transparent pricing structure helps users avoid unexpected fees. Overall, it’s a great option for anyone looking to streamline their payment process!

Cons:

What I like least about Square Payments is I have had issues with customer support, especially during peak times. Additionally, while the pricing is generally transparent, certain fees can be confusing for businesses with specific needs, like international transactions. Finally, the limited customization options for payment. Overall, while it’s a strong tool, these areas could use improvement.

Joanna
Connections Coordinator in US
Religious Institutions, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source

Five stars for Square Payments

5.0 4 months ago

Comments: Overall it’s a great choice whether selling just a few items or a larger inventory of products. It’s quick and easy to use, which is a huge plus on a busy day.

Pros:

Square is so user friendly. It’s easy to create or add products, and I can access it via laptop, iPad or on my phone. People who have never used it before have been able to step in and learn how to easily navigate it in order to run our merch booth. I also like that there is an option to send invoices.

Cons:

Nothing at this time! I’ve recommended Square payments to others looking for a safe and efficient way to capture payments across several different applications (churches, small businesses).

Jamie
Account Manager in US
Staffing & Recruiting, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source

Square works good for cards

5.0 3 months ago

Comments: Overall it helps when someone wants to use their credit card to pay. When they have cash app or Zelle or Venmo I prefer to use those due to the fees.

Pros:

Ease of invoicing and payment options! Can easily connect with cash app.

Cons:

The transaction charges are tough to swallow When one can use cash app it is best to just have them do that or Zelle or Venmo.

Casey
Casey
Vice President in US
Verified LinkedIn User
Logistics & Supply Chain, 501–1,000 Employees
Used the Software for: 2+ years
Reviewer Source

Every Business Should Be Using Square Payments

5.0 last year

Comments: Overall, everything has been fantastic! Collections are down, customers are much happier and business runs much more smoothly.

Pros:

This makes it quick and easy for both customers and our business. It has cut down on collections as well.

Cons:

There is nothing I dislike. I feel like every business should have this.

Kasondra
CEO in US
Food & Beverages, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Game Changer

4.0 3 months ago

Comments: "My overall experience with Square POS has been mostly positive. It’s a fantastic tool for managing my business on the move, especially with how easily it handles mobile menus and keeps everything organized. I love being able to access customer data and transaction history with just a few taps—super handy for staying on top of things. Despite these small setbacks, Square has been a reliable sidekick in running my business, helping me keep everything streamlined and efficient."

Pros:

"What I love most about Square is how user-friendly it is, especially for mobile menus. It makes taking orders and managing payments a breeze, even on the go. Plus, the ability to save all the customer data and transaction history is a game changer. It’s super easy to go back and check past transactions or customer details, which helps me stay on top of everything. Overall, it's a reliable and efficient tool that’s made running my business so much smoother!"

Cons:

"As much as I appreciate Square, adding menu items on the phone while on the go can be frustrating. It's not as smooth as I'd like, especially when you're in a rush. Also, card payments sometimes fail when you're in a busy environment, which can be stressful when you're trying to process transactions quickly. It would be great if those issues could be smoothed out for a more seamless experience!"

Christopher
Owner in US
Food Production, Self Employed
Used the Software for: 2+ years
Reviewer Source

A Business Asset no Matter Your Company Size

5.0 4 months ago

Comments: Overall I find Square to be a clean professional and well-respected platform/service.

Pros:

The ease of payment from customer to my bank via Square

Cons:

There is nothing I dislike about this service currently.

Samantha
Home health care manager for developmental disabled in US
Verified LinkedIn User
Hospital & Health Care, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Square cash is the best Mobile friendly card to use

5.0 last year

Comments: It's been great and the customer service is really helpful as well as the ease of use. I love it

Pros:

It's a accepted wherever visa and MasterCard are accepted

Cons:

Nothing to dislike as of yet and it's been almost 2 years so I don't feel like there is anything to dislike

Destiny
CEO, Lead Designer in US
Design, Self Employed
Used the Software for: 1+ year
Reviewer Source

Decent Solution Payment Processor w/ Some Security Concerns

5.0 5 months ago

Pros:

I liked Square payments initially because it was fairly easy to set up, integrated with a lot of the platforms I used, had a fairly quick turnaround time for payouts, and had a few additional features that I thought would be useful in my business as I scaled up.

Cons:

My main issue with Square Payments is security. Several of my accounts were compromised due to some fraudulent activity, I had quite a bit of money stolen, and afterwards I didn't feel super confident that Square had adequate fraud protections in place to keep my money safe moving forward. The fraudsters were able to change my password and thus lock me out of my Square account, switch the payout account from my bank account to theirs, and change the verification phone number. I felt so helpless and personally wondered if they couldn't have done more to make it harder for this happen.

Kyree
CEO in US
Restaurants, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Square Payments helped us start our first business!

5.0 3 weeks ago New

Comments: Square payments has been integral to starting our small business and collecting payment.

Pros:

The setup system is incredibly simple, from Items to Menus, and even team members.

Cons:

Fees are always an annoyance, especially when they are associated with upgrading features.

Celina
Chiropractor in US
Alternative Medicine, Self Employed
Used the Software for: 2+ years
Reviewer Source

Square Review

5.0 4 weeks ago New

Comments: I have been using square for the last 10 years and loving it.

Pros:

Easy to navigate, portable, cheaper processing rates compared to other POS systems.

Cons:

Processing fees could be better, but still cheaper than most POS systems.

Suzanne
Owner in US
Consumer Goods, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Best payment card system

5.0 2 months ago New

Comments: Been using this for several years and recommend it everyone

Pros:

It is easy to setup/start using and the fee per use is low

Cons:

If I have to give an answer, it is the reader is small and plugging it into my phone is (the smallest) hassle. If you have the ability for the counter unit, this wouldn't even be an issue

Patricia
General manager in US
Accounting, 51–200 Employees
Used the Software for: 1+ year
Reviewer Source

Great product.

5.0 2 months ago New

Comments: Really enjoy using this service. Definitely recommend.

Pros:

Easy to set up & even easier to explain to my customers how the process & transactions work.

Cons:

It was a little aggravating transferring funds to my bank account/linked debit card, but one call to customer service & they had everything taken care of & ready to go.