# Page 4 | Square Payments Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Page 4 - Is Square Payments the right Payment Processing solution for you? Explore 2686 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/170278/Square-Payments-Processing/reviews --- Square Payments 4.7 (2686) [View alternatives](https://www.capterra.com/p/170278/Square-Payments-Processing/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 23rd, 2026 # Page 4 - Reviews of Square Payments ## Showing most helpful reviews Showing 76-100 of 2686 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Jubril B. CEO Real Estate Used the software for: 2+ years ### "Moderate excitement" July 29, 2025 3.0 I think the rates are high up now, cos many competitors can easily offer 1.8% processing rates as compared to Square that is still stuck in the 2.6% region Pros Simple set up, flat fee rates.. even though i think the price factor adds up eventually. And oh yes! - easier and ridiculously cheaper than traditional merchant accounts for moderate card use. Cons Square was built to integrate unavoidably in my many ways hence has many features linked to its success so that If you’re only using Square to accept payments and ignoring its software features, you might be overpaying compared to many alternatives. Review Source KG Kristen G. Spray tan Artist Consumer Services Used the software for: 2+ years ### "Happy with square " July 7, 2025 5.0 Great no issues with it. Customer service is great when you have a question they are very useful and helpful Pros Easy to use and set up. It is user friendly and send receipts to my clients and automatically get paid Cons Could use a little update and upgrade, a lot of other software is more useful with many more options Review Source VR Verified Reviewer Clerical Warehousing Used the software for: 6-12 months ### "Square gets me paid" January 27, 2026 5.0 Pros Square Payments was EXTREMELY easy to set up and use. It has a cut and dry charge system and seems to be really secure as well. Cons When it is down it is down. It was really difficult to contact anyone to get my Square up and running afterhours. Switched from [Sage Accounting](https://www.capterra.com/p/168740/Sage-One-UK/) I made the switch to try something new. I use both of them. Review Source SH Stefanie H. Owner Graphic Design Used the software for: 1-2 years ### "Easy to use! " April 3, 2025 5.0 I use it all the time and it’s easy to use and accepts all the major forms of payments. I am a small business so this is really important to me. Pros That I can take payments anywhere I go through cashapp, Apple Pay, anything. It’s great. Cons Hmm..I don’t really dislike anything about square payments. Alternatives considered [Venmo](https://www.capterra.com/p/222572/Venmo-/) Reason for choosing Square Payments Square provides an entire ecosystem of services. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) I use square for other services like appointments, website and more. It’s easier to have everything in one place. Review Source WB Wayne B. CEO Non-Profit Organization Management Used the software for: 1-2 years ### "Square Review " January 22, 2026 5.0 My overall experience with square is very helpful for payment processing fast reimbursement at times and good costumer support. Pros Square payments is a very easy to use payment platform, great payment processing, keep invoices in order. Cons Square sometimes have a delay on payment reimbursement on some of their transactions process online but not all the time very minimal. Review Source RS Rachael S. owner Retail Used the software for: Less than 6 months ### "Square Payments Review" December 28, 2025 5.0 Pros Square payments are up front with their processing fees and have affordable tiers for every business. Cons It can be hard to get in touch with tech support if it's needed, and sometimes there are connectivity issues if the internet connection or wifi is weak. Alternatives considered [QuickBooks Online](https://www.capterra.com/p/190778/QuickBooks-Online/) Reason for choosing Square Payments The pricing and setup were easier for me to use. Review Source EL Elizabeth L. Owner Retail Used the software for: 2+ years ### "User Friendly and fairly priced. " November 19, 2024 4.0 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. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Square Payments It was a better all around deal and you get the reader for free. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) I use Paypal still, just use the virtual terminal now instead of the qr scanners Review Source LD Laurie D. Vice President Medical Devices Used the software for: 2+ years ### "Easy set up and payments" December 3, 2024 5.0 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. Switched from [authorize.net](https://www.capterra.com/p/221412/authorizenet/) Square enabled us to have links to be sent to customers to pay through. It is also less expensive per transaction and we are able to get our money quicker. Review Source KM Kimberly M. Owner Cosmetics Used the software for: 2+ years ### "Honest Review" December 23, 2025 5.0 8 out of 10 for me Lower the fees it would be a lot better. Pros The text notification when someone books and they let you integrate buy now pay later options. Cons High fees and they charge for everything! Review Source AL Anethia L. Owner Health, Wellness and Fitness Used the software for: 2+ years ### "Squre Processing " May 4, 2025 5.0 My overall experience has been great. I have yet to run into any issue that would make choose another credit processing platform. Pros The platform is easy to use and I no longer need device to accept payments. I can allow my clients to tap to pay via my phone. I also like that it has many features that make running my business easier. Cons The fees. Although the fees are not that high, since I use a different group for my services I pay fees to both parties which lessens my profit. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Square Payments Familiarity. I have used square in the past so I knew how to use many of the features. Review Source RB Rachel B. CEO Executive Office Used the software for: 1-2 years ### "Straightforward setup and ease of use" July 24, 2025 5.0 Great, very straightforwards, structured and easy to implement within businesses to make payments so much simpler for clients Pros Easy to setup and implement with existing system through integration. Speed to setup was great and taking card payments is so much easier online now. Cons Nothing that I didn't like about it as easy to use and setup, card payments online are so much easier Review Source CB Crysta B. Sales Insurance Used the software for: 1-2 years ### "Review for square payments " November 27, 2025 5.0 Overall, Square Payments is a very good payment-processing solution for small-to-mid sized businesses, startups, side hustles, or anyone who values ease of setup and flexibility over deep customization or maximum cost efficiency. Pros Getting started with Square is very simple: account setup is fast, there are no complicated merchant-account applications or long-term contracts.Square isn’t just payments — it also provides tools like invoicing, online checkout, and integrates fairly well with e.g. ecommerce or appointment-based businesses. Cons The flat percentage-per-transaction model can be more expensive than custom merchant-account rates if you do a lot of sales, or have large-ticket items — so for high-volume businesses, fees may become significant. Review Source SM Sandra M. Owner Food & Beverages Used the software for: 1-2 years ### "To handle payments" July 14, 2025 5.0 Pros Easy to use day to day. Payments go through quick, the terminal’s small and the app is clear. Handy for taking payments in store without fuss. Cons But the reports are kinda limited. Not many options to look into sales in detail. And if you want more tracking or accounting stuff, it’s still pretty basic. Review Source CW Catherine W. Marketing Associate Insurance Used the software for: 1-2 years ### "Good POS tool on the go" July 11, 2025 3.0 I think it has worked well in the past, but now I am aware that there are more options, and some cheaper and more easy to use than Square. Pros Square Payments are a widely known legitimate form of payment on the go, or for a small business, or a non-profit. Cons I have never liked the fact that they continue to charge a transaction fee, that makes it cost-prohibitive for some small businesses, and ineffective for non-profits. Review Source VR Verified Reviewer CEO Construction Used the software for: 1-2 years ### "Dissatisfied " November 13, 2025 1.0 Pros Point of sale configuration and pay processing and ease of use features. I particularly appreciated the ease of use. Cons I didn't like the customer service experience or the fee structure not enough value for the money imo. Review Source LD Lindsey D. Manager Food & Beverages Used the software for: 2+ years ### "Small business friendly and savvy!" March 14, 2025 5.0 Used for a small bakery and also on a personal level to make purchases, create purchases, invoices, and process orders for caterings. Pros Small business friendly!!!! You aren’t charged up the you know what for processing payments that larger companies ding small businesses for. Cons Like many processing and pos tools, you have less customization options and tools when dealing with a small business. This isn’t so much of a problem for us, but I could see expanding into a franchise it becoming a problem long term. Review Source PD Pj D. Manager Food & Beverages Used the software for: 2+ years ### "Square convenience " March 25, 2026 4.0 Overall I am happy I like that other user employees can use it from their phones and without needing a device Pros The user friendly interface and ease of use of the product. We use square for our coffee and bar business Cons The cost per transaction. I feel like it is a little excessive and we would use it more if it were a lower percentage rate Review Source Darren G. Owner Hospitality Used the software for: 2+ years ### "Massive Incompetence" November 1, 2024 1.0 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. Review Source SS Sadie S. Owner Food & Beverages Used the software for: 2+ years ### "The most user friendly POS" November 20, 2024 5.0 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. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/)[TouchBistro](https://www.capterra.com/p/140677/TouchBistro/)[SpotOn](https://www.capterra.com/p/197473/SpotOn-Restaurant/)[Toast POS](https://www.capterra.com/p/136301/Toast-POS/)[joe Point of Sale](https://www.capterra.com/p/10011638/joe-Point-of-Sale/) Reason for choosing Square Payments I’ve been with square since 2009, but because of the gift card issue above, I started seeking out a new POS a few years ago. I did a LOT of research. Even though many other systems offer the global gift card option, Square still came out on top for cost and ease of use. Review Source MHE Michael Herbert E. Furniture Salesperson Retail Used the software for: 2+ years ### "simplify your payments" February 11, 2025 5.0 Square payment is secure and fast, making it very easy to receive payments. Also, it is linked with many accounting tools Pros It is really quite simple and is very easy to set up, especially with all the other accounting tools that are available to it Cons I have to say that the fees are rather high and can grow up quickly enough based on the volume Switched from [PayPal Point of Sale](https://www.capterra.com/p/171165/PayPal-Here-app/) We moved to Square primarily because of the transaction reporting features. Square provides much more detailed and easier to follow reports Review Source RG Rachel G. Finance and business operations manager Food & Beverages Used the software for: 2+ years ### "Absolutely love it" April 27, 2026 5.0 Pros We only use it when we go to expos, which is about 3 times a year. This is such an affordable and easy way for us to manage those. Cons Absolutely nothing, it's a great system. So easy, customers love it, and there's no costs if we don't use it for a few months. Review Source JH Joy H. Financial Coach Financial Services Used the software for: 2+ years ### "Great Option for Businesses" December 29, 2024 4.0 Overall great experience and I still recommend them. I used Square to accept payments for single invoices and recurring subscriptions. Easy to see what accounts receivable are pending, and easy to send invoices with reminders. Pros Receive money instantly if you use their debit card, user friendly, easy to set up, ability to set recurring invoicing without a separate fee. Cons Now there are separate subscriptions required for some more advanced options. You can't (as far as I could see) set an invoice to automatically charge the customer unless the customer selected it, and you can't enter a customer's payment information directly (as far as I could see). Square Contracts - which is an amazing feature - has one problem - if you need to do a contract with a business/organization, it fills the contract as if it is with the signer rather than the org. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) Needed to do recurring invoices, and paypal charged a separate fee for these. Review Source NH Nathan H. Chiropractor Alternative Medicine Used the software for: 1-2 years ### "Great payment platform that is easy to use and set up. " June 9, 2025 5.0 Pros Very easy to set up and very mobile friendly. Also easy to use with minimal hardware costs but has streamlined hardware if you need it. Cons The fees are a little higher than some other services and they have started charging for things that used to be complimentary. Review Source BB Bronwyn B. Seller Apparel & Fashion Used the software for: 1-2 years ### "Good on the go system " August 10, 2025 4.0 It was very easy to plug into my tablets and use on the go for customer billing. However if the service or internet was slow or went down the service wouldn't work. This would frustrate customers and myself. Pros I liked the ease of taking this on the go for east payment from customers at boutiques and shows. It was easy to plug into my tablet and swipe Cons If the service or internet is slow or goes down this system will not work. It made working some shows horrible trying to process payments. Review Source Derrick A. Owner Information Services Used the software for: 1-2 years ### "Square Is For Your Business" August 23, 2025 5.0 Overall square payments are great. I recommend it to all businesses and or entrepreneurs that need to take payments inperson or online. Pros Its very easy to use and efficient. The platform is very easy to navigate and can work many payment processors. Cons I dislike the fees that square charges. I wish the fees were lower and that the payments would come faster. 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