# Square Payments Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Square Payments the right Payment Processing solution for you? Explore 2690 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 (2690) [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 # Reviews of Square Payments Ease of use 4.7 Customer Service 4.4 ## Pros and Cons in Reviews MW Melinda W OwnersArts and Crafts, Self-employedUsed the software for: 1-2 years. “The setup process was quick, and the tools for tracking sales and managing my business are very helpful. While the fees and occasional delays in deposits can be a downside, the convenience, flexibility, and professional features make it a great option for small business owners“ April 12, 2026 MW Marissa W Licensed Massage TherapistAlternative Medicine, Self-employedUsed the software for: More than 2 years. “I’m not the biggest fan of the customer service, granted I’ve only ever had to call for an issue a couple times over the 5+ years using this software, had to get transferred to a bunch of different reps and it was time sensitive as I needed access to money that was unusable in my square, and it was hard to get ahold of anyone I could understand.“ December 15, 2025 BB Bree B Administrative AssistantMaritime, 2 - 10 employeesUsed the software for: More than 2 years. “Invoicing and payment tracking are straightforward, and the mobile card reader adds flexibility when working in the field or at the marina.“ May 12, 2026 BB Bree B Administrative AssistantMaritime, 2 - 10 employeesUsed the software for: More than 2 years. “There can also be occasional holds or verification requests on larger transactions, which can be inconvenient when managing a busy schedule.“ May 12, 2026 ER Erika R Property managementReal Estate, 2 - 10 employeesUsed the software for: 6-12 months. “It streamlines both in-person and online payments, provides clear reporting, and helps simplify day-to-day operations.“ December 6, 2025 RS Rachael S ownerRetail, 2 - 10 employeesUsed the software for: Less than 6 months. “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.“ December 28, 2025 DC Daniel C Benefits and Compliance ManagerHospital & Health Care, 51 - 200 employeesUsed the software for: I used a free trial. “Efficient payment processor service that accepts a variety of forms of payment including contactless payments and keyed in payments.“ May 25, 2026 MW Melinda W OwnersArts and Crafts, Self-employedUsed the software for: 1-2 years. “I also noticed that transfers to my bank account can sometimes take longer than expected unless I pay an extra fee for instant deposits.“ April 12, 2026 ## Showing most helpful reviews Showing 1-25 of 2690 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Peggy G. sole proprietor Apparel & Fashion Used the software for: 2+ years ### "Good Honest Campany" May 15, 2026 5.0 My experience has been very positive. No surprises and they are very dependable. I have never had to contact them with an issue in all of the years I have used their services Pros I have used square for my business for about 20 years. They have always been very dependable and user friendly. Emails are immediately sent on every sale and transaction. The money is in my bank account within a couple of days. Cons The only negative I can say is their website can be a little bit complicated until you get used to it. Review Source TH Trisha H. Owner Consumer Services Used the software for: 2+ years ### "Fantastic product " April 9, 2026 5.0 Overall I enjoy Square. The ease of use and secure payments are wonderful. I often get compliments from customers on how convenient it is for them. Pros The different payment methods are very handy. It is also very easy to set up on your mobile device so payments can be taken directly from your mobile with no equipment needed. The ability to customize items, taxes and tips in the app are very simple to set up. Payments are secure and quick. Cons The only con which is minor in my opinion is the 1-3 day wait to transfer funds. They do have ways around this with a small fee or by using the square card which makes funds spendable immediately. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/)[Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Square Payments Square is very clear about their fees which are reasonable. Review Source GM Gabriel M. Owner Health, Wellness and Fitness Used the software for: 2+ years ### "I DO NOT RECOMMEND!" May 27, 2025 1.0 Recently TERRIBLE! Before 2023 it was great to have. Payments used to be easy. Now its like they are scamming for money. Pros I honestly can't listed any anymore. The company has fallen apart and It's heartbreaking. I can list cons. Cons Customer service is hard to contact these days and once in contact they do absolutely nothing to resolve issues. I have been using square since 2018. I have 4 businesses that use their service. The most recent setup was in 2023 and square has taken money by forcing instant deposit fees while the account is set to manual. I reached out to have it corrected and wait 43 mins just to speak with someone who failed to fix the issue. Review Source Keith T. Managing Partneer Wholesale Used the software for: 2+ years ### "Square Performs, End of Discussion" March 13, 2026 5.0 In 7-years of use we have not had any problems. The ability to send payment links, use in our online store and even with our service technicians on the road has been a huge advantage. We have not needed to contact customer support and have not experienced any bugs or issues with the service or equipment. Pros Takes payments on laptop, mobile and the Square terminal. Take payments anywhere, in store and remote locations. Even when no internet is available. Very easy to use, intuitive and fast. Deposits to our account are seamless and quick. Cons While their rates are on the high side Square has no minimum monthly fee. Some charges are complicated to anticipate. Foreign exchange rates are higher than expected. Avoid doing refunds as they are costly. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/) Reason for choosing Square Payments Slow to respond to our inquiry, gave us a sense that their customer service might also be slow. Switched from [PAYD](https://www.capterra.com/p/203175/PAYD/) Fee structure, constant increases and no flexibility for small businesses Review Source BB Bree B. Administrative Assistant Maritime Used the software for: 2+ years ### "Easy to use product! " May 12, 2026 4.0 Overall, my experience with Square has been very positive. It’s a flexible, reliable, and easy-to-use payment platform that works well for a charter business managing deposits, final payments, and in-person transactions. Having both invoicing and mobile payment options has made it easier to serve clients professionally while keeping our business operations organized across multiple locations. Pros Square has been an excellent payment platform for our fishing charter business, especially in seasonal, travel-driven markets like Alaska and Florida. It gives clients multiple ways to pay, including online deposits, final trip balances, invoices, and in-person card payments at the dock. Invoicing and payment tracking are straightforward, and the mobile card reader adds flexibility when working in the field or at the marina. It’s also easy to track payments, stay organized, and provide a professional payment experience for clients. Cons The transaction fees can add up during peak charter seasons when processing a high volume of bookings and larger payments. There can also be occasional holds or verification requests on larger transactions, which can be inconvenient when managing a busy schedule. Outside of that, the platform has been very dependable. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Square Payments Ease of use and customer knowledge/perference Review Source HP Heather P. Owner Consumer Goods Used the software for: 2+ years ### "Convenient for craft vendors " May 16, 2026 4.0 Overall is worth having for the convenience for our customers to submit payments. The printable receipts is a nice touch. Pros Square is convenient and easy to use at our stand alone off site events. The portable machine makes taking customer payments easy. Cons I dislike how when we do events in hotel conference centers for example, places where the WiFi has a lading page with password, the device can not log in. Alternatives considered [Clover](https://www.capterra.com/p/226864/Clover/) Reason for choosing Square Payments The fees were less I believe. If I remember correctly. Also I was able to find discounted hardware Review Source VR Verified Reviewer Student Health, Wellness and Fitness Used the software for: Less than 6 months ### "The Easiest Way to Start Accepting Payments" April 6, 2026 4.0 My experience has been very positive. It’s a reliable ecosystem that allowed me to scale from a single card reader to a full retail setup without needing a degree in finance. Pros Square is truly "plug and play." I love that there are no monthly contracts or hidden startup fees. The interface is incredibly intuitive, and training new staff on the POS system takes minutes, not hours. The integration between the online store and physical card reader is seamless. Cons The flat-rate transaction fees can get expensive as the business grows. I also wish it were easier to get a live human on the phone for technical support during weekend rushes. Review Source Michael Z. Owner Music Used the software for: 6-12 months ### "Square helps my business succeed" April 15, 2026 5.0 Overall, Square has been really solid for what I need. It’s reliable, easy to use, and makes taking payments straightforward, which is huge when you’re dealing with clients or gigs. The fees aren’t ideal, but for the convenience and how smooth everything runs, it’s been worth it. Pros What I like most about Square is how simple and reliable it is. It’s easy to set up, easy to use, and it just works — which is huge when you’re dealing with payments at gigs or with clients. The interface is clean, and you can get paid quickly without jumping through a bunch of hoops. Cons What I like least is the fees — they add up pretty quickly, especially on larger payments. It’s convenient, but you definitely feel it over time. There’s also not a ton of flexibility in how those fees are structured, so you kind of just have to accept it as the cost of using the platform. Review Source Heather B. Social media and event planner Non-Profit Organization Management Used the software for: 6-12 months ### "Square payments" May 9, 2026 4.0 I used square payments to accept payments on my phone and website. I like it cause you can manually enter card numbers. Pros Payment processing, card payments, phone payments, website payments, easy to use, easy to set up, manual payments Cons Its a little bit expensive. For every payment someone makes it charges a percentage of the payment and it takes awhile to withdraw money Review Source VR Verified Reviewer Founder Apparel & Fashion Used the software for: 1-2 years ### "Nearly Perfect" April 29, 2026 5.0 Overall it's very positive. If they fixed the UI of the app and the product creation to make it more smooth there would be almost nothing to complain about. Pros Super easy to use. I've never had any bugs or issues. It makes payment processing a breeze. I've accepted card payments all over without a single issue. it just works. Cons The cons are setting up all your products is a little clunky. It just takes too much time to get everything crafted and also the UI of manually creating orders for someone can be improved. Review Source JR Jessica R. Owner Restaurants Used the software for: 2+ years ### "Great for a small business" June 18, 2025 4.0 We used square to process online bookings and as a POS for events and shows outside of our normal brick and mortar. The fees were reasonable and competitive and the payout was quick and easy. The reporting functions are also helpful and easy to use. Overall a good experience for a small business. I do not think it would work well with large commercial businesses because of its limitations. Pros I enjoyed the convenience of having a portable POS and way to accept card payments at events outside of physical business location. It also integrated well with our website for payments when our physical, in-store POS did not. Cons The card reader itself is sometimes finicky. The older style scan one worked well, but most phones and devices don't have an audio jack to support that function. The new tap to pay is not always as reliable as the older style was. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reason for choosing Square Payments The cost and fees at the time were lower than Stripe. I personally was also already familiar with Square and being the person to choose what we implemented, I went with Square. Review Source RS Rachel S. Equine Therapist Ranching Used the software for: 1-2 years ### "Excellent Payment Processor for Small Businesses with Helpful App" March 6, 2025 5.0 My experience with Square payments has been excellent. It has helped me bill out my services to customers and receive my payments easily and efficiently. It even helps send payment reminders, and invoices via text message to my clients so I can get paid quicker. Pros Square Payments has been a game changer for my business. It allows me to create and send invoices on the go and trust that my clients will receive a detailed invoice and be able to pay me. Cons I wish that it was slightly more customizable for my brand maybe with more color and logo options to truly customize it and make it memorable so my customers know they are receiving invoices from my brand. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reason for choosing Square Payments I liked the very convenient app with Square Payments, it makes invoicing easier than with some alternative processors i've tried Review Source Nathaniel H. Process Engineer Automotive Used the software for: 2+ years ### "Square Payments - US Market Leader of Point Of Sale Systems" March 26, 2026 5.0 Square Payments is cloud based point of sale system that offers both physical devices which read payment card information, and software. It also offers financial services and includes features designed to support business operations for both small and large scale businesses. Square provides e-commerce and inventory capabilities, customer appointments, payroll processing, shift scheduling, and even access to banking and business loans. Pros What I like most about Square Payments is the point of sale ability this software has given to particularly small businesses and even hobbyists. I do a fair of online shopping, often times from small vendors and private individuals. Square allows these sellers to easily accept electronic forms of payments from buyers who they otherwise may not have been able to or would have historically may have only accepts cash or check for payment. Cons As a consumer who has only used Square Payments for processing payments as a buyer, there is nothing that I can think of that I would consider a con of Square Payments. I have never used Square Payments as a seller though, so perhaps there may be cons associated there. Review Source Andrew B. Managing Director Recreational Facilities and Services Used the software for: 2+ years ### "Very easy to set up and use card payment system" January 21, 2026 5.0 It has opened up lots of easy ways to enhance how we offer our customers ways to pay and all very easy. This includes not having restrictions such as not taking a certain card type. Pros We've used this product for over 5 years as a business and found it to be very easy to use and embed into other systems we used. It has lots of options for us to manage our various systems whilst offering our customers lots of payment choices. The cost per transaction is fair compared to having a monthly subscription elsewhere. Cons We had some issues related to the hardware offered and integrating with phones or tablets. However these have been minor compared to how often we use the product Review Source Kerrissa C. CEO Food & Beverages Used the software for: 1-2 years ### "Easy to Use and Set Up" August 17, 2025 5.0 My overall experience with Square Payments has been positive. It is easy to use the application and to receive the funds of sales in your bank account. Pros The application is easy to use, easy to customize your products and easy to set up. The payment processes are very straight forward and easy to use. Cons What I liked the least about Square Payments is how to add tax on the products and how to add a tipping option while gathering payments. Review Source DQ Delauréanne Q. Hairstylist Consumer Services Used the software for: 2+ years ### "Great for any business owner" November 4, 2025 5.0 I use square for every part of my business, square appointments, square payments, and it has always been so easy to get a clear view of my numbers, and it really gives you an insight on your company. I have even convinced my boyfriend to use it for his company. Pros Square is very easy to use, I have been using it for the last 4 years and it has always been simple and easy. Cons The processing fees are getting a bit high, but totally worth every penny because they offer so many services for free. Review Source CB Christa B. Owner Entertainment Used the software for: 6-12 months ### "Widely known and used " December 10, 2025 5.0 Square Payments is the gold standard for ease of use and business integration. It provides a frictionless way for almost any small business to start accepting credit cards immediately. The trade-off for this simplicity is that very high-volume merchants or those with very specialized needs might find a marginal cost saving with a traditional merchant account processor. Pros all-in-one payment ecosystem best known for its ease of use, transparent pricing, and integration of software and hardware into a unified platform. It is a standout choice for businesses that need to accept payments both in-person and online without dealing with complex contracts or specialized merchant accounts. Cons Unusual or sudden changes in your processing activity—such as a large transaction, a sharp increase in sales volume, or selling an unfamiliar high-risk product—can automatically trigger an account review or a temporary hold on your funds. This creates a serious risk of cash flow disruption for the merchant. Review Source ST Shayne T. Co owner Construction Used the software for: 1-2 years ### "Easy payment method for s of run buisness" February 25, 2026 5.0 Taking payments has been pretty easy, and the money usually shows up quickly without much effort. It feels simple to ring someone up whether it’s online or in person, though the small fees and those moments when the service isn’t available offline can be a little frustrating. Pros Accepting payments becomes effortless with a system that works for cards, taps, and swipes without extra hassle. Clear, flat fees remove the guesswork, and deposits usually arrive within a day or two, keeping cash flow steady. Built-in tools for invoicing and recurring payments make it easy to stay organized, while real-time sales tracking helps businesses make smarter decisions. Cons The tricky part comes when fees start eating into smaller sales, and unexpected holds can leave funds out of reach for a while. It also doesn’t always offer the deeper tools or flexibility a growing business might eventually need. Review Source VR Verified Reviewer Business Development Medical Devices Used the software for: 6-12 months ### "Helpful and smart " November 29, 2025 5.0 Square Payments assisted us in a lot of ways with processing payments and transactions and organization which we needed! Pros We love square pay for card payments, fee transaction, payment processing, and so much more. Made our lives much easier! Cons It's a newer technology but everyone uses it, and we're glad we tried it. It was a little learning curve in the beginning but nothing negative to say. Review Source MK Maura K. Provider and Practice Owner Mental Health Care Used the software for: 2+ years ### "All in All - Pleased w/Product " November 20, 2025 4.0 Timely, accurate payments and easy to use dashboard makes this payment platform easy to use. The reports can be downloaded and quickly sent to accountant. Pros The rapid posting of payments to business account has proved helpful in tracking earnings. The ability to check dashboard at any time to reconcile payments and invoices. Cons The fees on top of the subscription fees seems like overkill as a small business owner. As Square is an option through my ECR company, which provides a HIPPA compliant platform from which I process payments, I am forced to pay fees per transaction. Review Source YB YURI B. hr Food & Beverages Used the software for: 1-2 years ### "SQUARE REVIEW" March 9, 2026 5.0 MY EXPERIENCE WITH THIS SYSTEM HAS BEEN GREAT FOR THE MOST PART. IT HAS BEEN EASY TO USE AND THE PRICING IS GOOD. Pros SQUARE PAYMENTS ARE EASY TO USE THE SYSTEM ITSELF IS GREAT AND BEST FOR SMALL COMPANIES GETTING STARTED. Cons THE ONLY CON WITH THIS SYSTEM IS THAT I PURCHASED THE SQUARE PIECE THAT ATTACHES TO THE PHONE AND IT DIDN'T WORK. Review Source LR Lesley R. RMT Health, Wellness and Fitness Used the software for: 2+ years ### "Square payments system " December 8, 2025 4.0 Pretty good experience overall. Seemless integration with my booking software. Overnight bank deposits were nice to have. Pros Easy to make payments and receive money. Easy to set up and use. Integrated with my booking software. Cons Technical issues could cause the payment system to be down all day. The Credit card charges were high. Review Source VR Verified Reviewer Assistant Broadcast Media Used the software for: 1-2 years ### "Great product seller tool " March 2, 2026 5.0 Pros Best payment app out, easy for customers and sellers. Seller can easily make payments through the service and track their income Cons Charge you to use, but it’s worth it if your business has a good income. Very easy transaction process Review Source TM Tristan M. Engineer Computer Software Used the software for: 6-12 months ### "Great service " January 20, 2026 5.0 My overall experience as using square payments have low fees and wonderful customer service for technical assistance. Pros From using square payments as it’s easy to use as there’s No need for expensive POS systems. You just Download the app, attach a card reader. Cons Sometimes from using square payments it sometimes goes down and gives and error and have to use another payment. Review Source RP Rose P. Owner Construction Used the software for: 2+ years ### "Square Payments - Great Software" December 26, 2024 5.0 Very happy with them, would definitely recommend them to other small businesses. They are affordable, user friendly, and side with their customer (the business). Pros I love this software! We have continued to still use it for payments even after getting a new CRM software. Cons Nothing, it is very user friendly and they even side with you on disputes if you have all the information available to prove your claim. Review Source Similar Products Featured ## Related categories [Mobile Credit Card Processing](https://www.capterra.com/mobile-credit-card-processing-software/)[Payment Processing](https://www.capterra.com/payment-processing-software/) ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.