Square Payments Processing

Pros: I appreciated how fast and easy it was to set up a Square account, have a card reader shipped to me, and start accepting CC payments (which I could before I even received the card reader, for the additional cost of charging a manually-entered card number). I also liked that it is easy, once various service options are set up in the app, to simply click a button to charge pre-set payment options.

Cons: I am a psychotherapist, and I eventually ended up switching to another credit card processor for several reasons: I didn't like swiping a card at the end of every client session, or paying higher rates to store my clients' cards on file. The receipt emails/texts that Square sent to clients were also less confidential, as they included my business name in the message.

Overall: I now only use Square for occasional one-off payments if I do not wish to store a client's card on file, because the rates are competitive for this type of payment. I am now able to securely store my clients' cards on file with a different software, and can process payments easily at the end of my day all at once, all for the same rate that Square charges for a swiped card (plus, text messages to clients do not include my practice name). Unfortunately, Square is no longer my go-to payment software for my therapy practice.

Pros: Square offers a great service for business owners that accept credit/debit cards as payment. I really like that square works with a variety of tablets and phones. Square has a lot of options for you to customize your products and makes it easy and quick to charge and take payments. I appreciate how they have made their software simple but with many options to make it work with your business.

Cons: At the time of this review, I do not have any complaints with Square. I have rarely run into any trouble and if I do, it's usually the hardware on my end.

Overall: Square payments processing has been a fantastic addition to my office. I use it daily and have to problems. It is easy to get receipts to customers and quick to take their payments. Their fees are fair and their software is rich with customization options.

Pros: I love the ease and reliability of using Square, I didn't experience any sort of learning curve when I began using it for my photography studio. I appreciate that the customer isn't burdened with the processing fee, and I (and my customers!) trust the security of the credit card processing. The staple features for me are the invoicing system and the sales reports. I think the processing fee is perfectly reasonable for the ease of use, multiple features, and peace of mind I get from using Square.

Cons: I would really love more flexibility in selecting specific dates for scheduling future invoices. I sometimes have to go in and schedule separate invoices for the same client because I can't schedule on, say, the 20th of the month with payment due on the 30th. I also wish cancelled invoices would stay listed on the main invoice screen, but that's a very minor detail.

Pros: Fees/percentages are lower than most other payment processors. Equipment is minimal and inexpensive. No need to buy expensive processing equipment. Equipment is mobile, and works right with your smart phone or tablet, and with multiple devices. Payment is in my account the next day. Website has a variety of helpful reports to help you manage your income, and a store front feature with items and you can paste the link right on your website.

Cons: Nothing really. I like this software, and I've been using it for about 3 years.

Pros: Flat 2.75% pricing on credit card processing. Our biggest pain point with other merchant processors was an extremely opaque process. At the end of the month, we would get a statement that was a dozen pages long and impossible to decipher. No matter what, we always ended up paying more than 2.75%. So, we save a lot of money and headache with square

Cons: The register system that accompanies square is not the most robust. It's great for basic restaurant/cafe use. Software can be a little slow at times. but overall, simple to use.

Pros: I was an early adopter and my use case was a little different. I was selling expensive software from a foreign country and we didn't have a Merchant Account because the owner lived abroad and I didn't want to underwrite the operation. Bingo! Square to the rescue! With their model of holding a portion of the revenue until the transaction cleared it eases their risk and makes my life a LOT easier. Instead of 30-60 days' delay for PO's, etc. I could sell immediately and have about 80% of the cash next day... and the rest far sooner than the PO route anyway. Game changer for people in my situation.

Cons: A little limited in problem solving. Whenever a transaction was rejected it was difficult to find out why or troubleshoot things.

Overall: A great solution for a small company, a trade-show seller, or anybody with difficulty getting a merchant account.

Pros: My wife and I have been using Square for quite a while now to process credit and debit card payments for our online crafts shop, and so far it's been a fairly smooth experience. Payments always go through Square's fraud detection department to make sure everything is legit and running. This allows us to ship our products without headache about fraud. The overall design and layout of both the Android and desktop apps are smooth and easy to use.

Cons: We've experienced some rough moments with their customer support regarding some issues we had with installation initially, but it was resolved over the phone. Been great since.

Pros: I really like the ease of accepting debit or credit cards utilizing this service to extract funds. It gets deposited directly into the account programed in within a few days. At times when the app component is down, payments can be processed online on their virtual terminal.

Cons: The fees charged are quite high. To counter this con, we charge an additional amount to process the debit/credit card to compensate for the charges incurred for each transaction.

Pros: Super easy to use, never a funding issue, low and consistent merchant service costs, customizable for your products or services. We left the big bank, variable rate merchant services and have never looked back. Seem to strive to improve services offered.

Cons: The one time we contacted customer service, they were less than friendly or helpful. Fortunately, it's only been once that we've needed to call. On an iPad, the chip reader stops working if an update is needed.

Pros: Setting up items and then creating invoices to charge clients for services was easy and fast. I have significantly reduced the time it takes to get an invoice to my client, and they pay it immediately because they can enter their credit or debit card directly into the emailed invoice they receive.

Cons: If there is a dispute, the money that was paid to you gets recalled and will be tied up for 3 months until Square and the dispute company resolve the issue. Square was ineffective at reducing the dispute time even after all documentation was submitted.

Overall: Overall I have had an excellent experience using Square. Their policy is to pay money received directly into my bank account within 24 hours and that has been the case, unlike PayPal, who hold funds in my PayPal account until I move the money into my bank account, creating an extra day or two when I don't have access to the funds.

Pros: Square helps me accept instant payment from customers who are not used to carrying cash or cheques around with them -

Plus they can get points if they collect points - and they get an instant receipt

Cons: Question is wrong because Square is more than software - it is also hardware - and interface and user generated and client experienced --

Hardware - the reader does not have sufficient stem to plug into phones in s Otterbox Case - lucky the new iPhone ships with extension cord - - The reader also does not have a marker indicating side of use - so I end up swiping card several times until I get the magnetic strip to read

User generated - it is easy to set up for tax codes and other fees

Great to be able to send activity report with charges and fees to accountant -

Customers are delighted at the immediate receipt email or text - often received faster than a gmail to gmail email

Overall: Square is often met by clients with delight -

Pros: A lot of businesses I run into use Square to process their payments. Its so easy for small business owners to use the small square plugin with their cell phone so customers can use their credit card to pay for services or items..

Cons: The charges for using Square are high, most business owners pass the charge on to the client and clients actually prefer to pay cash just to avoid paying the transactional fees.

Pros: For a small business there are so many options available simple credit options will low rates. The point of sale options are so user friendly and also web based to process virtual terminal payments and can even invoice clients. Amazing program!

Cons: There is an online customer support that does not offer person to person assistance. The rates differ when using the swipe attachment vs manual payment.

Pros: I like the ease of the app. The ability to send instance invoices. Ability to run valuable reports for business.

Cons: The square app takes a minute or two to secure a internet/wifi connection while some of the delay in connection is the internet carrier but some of the problem is the app doesnt always use the phones hotspot nor the data

Overall: The ability to always process credit and or debit cards

Pros: Seamless interface. Navigation is easy for business and customer. Low processing fees. Compatible with my iphone that does not have a headphone jack. They are always coming out with new and updated equipment. The fraud protection is also a huge pluse.

Cons: I dont currently have any cons about square. They have met my business needs since 2013 when i first opened.

Pros: After downloading the app to my phone I was ready to start taking payments. Easy to use and secure.

Cons: The only con at this time is that when I take payments on Friday it is Monday before the transfer to my account takes place. For an additional fee I could have it deposited on the Friday, but overall it is a minor inconvenience.

Overall: Out on the road I need to be able to take payments quickly and efficiently, Square allows me to do this. My only limiting factor is my connection speed or no service, but that is not a factor associated with the square software.

Pros: That it interacts with my Quickbook online

Cons: The cost and also the fact that it does not accept Debit Transactions over $100

Overall: Have been using for 2 years and are happy with how everything works. I think the pricing could be better, but who doesn't. I also do not use it for debit transactions as it only allows for up to $100 dollars so we are stuck accepting cheques which I would like to get away from.

Pros: Number one it's simple. Number two it's easy to set up. Number three I can get my payments instantly or in a few days. Number four it's super affordable.

Cons: I have nothing negative to say about square payment processing. It works well, I have had no issues with it whatsoever, and it's very affordable. The fees are comparable and it's great.

Pros: I use square for my business everyday, it is so easy to take payment it is fast and easy and the card reader works 90% of the time which is better than any other I have used. I love the app and the dashboard.

Cons: The only issue I have with square is that if I have a problem it is hard to talk to a real person at customer service.

Pros: Square Payments Processing has many great qualities, such as low fees and ease of use, but what they have done that takes it to the next level is enabled users to send invoices/receive payment on them from their website. Square does not charge monthly fee's for the standard plan, and instead you just pay the percentage based fee per transaction making it simple to add the cost to your client if needed.

Cons: With years of experience using Square, I have not had any negative experiences to share any "Cons". The system is very well made, so I have not needed to reach our to Customer Support and must give a neutral rating.

Pros: Very intuitive to use. Easy to add products. Can now track inventory too. Very low processing fees. One flat % fee, no other hidden charges. Looks and feels modern to customers. Can set up monthly recurring payments with stored cards.

Cons: I guess the only gripe I can come up with is to use an iPad it works best with a square stand. I found it for the same price at best buy to get some rewards. The software is flawless in my eyes.

Pros: The virtual terminal makes taking orders over the phone VERY easy. In general, it's easy to use, easy to set up & has decent pricing.

Cons: Square doesn't play nicely with desktops. The virtual terminal works great but I'm limited on other services because I don't use a tablet.

Pros: I like the simplicity of this system. I am able to figure everything out without having to do a tutorial.

Cons: If I had to choose, it would be the percentage on each charge that square takes. I have not done much comparison with other companies though.

Overall: Income tracking and sales.

Pros: The pos system is so easy to design, i have customized my pos in order to work with my customers needs and my menu is so easy to navigate

Cons: It doesn't read all cards immediately, i though it was a reader issue and replaced it but the reader worked the same

Pros: The best thing about Square is how intuitive and easy it is to use! You can add a product to your inventory, and send an invoice for that product in minutes. I also love that I get my deposits so quickly, usually within a day or two max.

Cons: I use Square for only a few simple tasks - sending invoices to clients, keeping track of credit card processing fees for taxes, and some double checking bookkeeping. There is so much more that Square offers that I don't need or want to use. So I often find the dashboard a bit cluttered for my liking.

Overall: Professional appearing invoices for my clients.

Pros: We like that they only charge a flat percentage fee and don't have all the little hidden fees associated with it. I also like that I can take payments anywhere even while driving down the road.

Overall: Ability to process cards for my store

Pros: It takes credit card payments, tracks sales. It all works the way it is supposed to. It is also very simple.

Cons: There are cheaper processors out there and there could be money to be saved. The card reader doesn't always connect well.

Pros: Easy to use, great customer service, and quick deposits. Easy to use for taxes and great for customers.

Cons: There is very little I do not like about this company. It can be difficult to get a reader if you lose one.

Pros: It is the best payment processor for the money out there! Love Square! Super easy to use and navigate!

Cons: I find it hard to print out a report that has exactly what I need.

Overall: Excellent app for my non profit organization

Pros: I absolutely love the simplicity of Square. In my 3 years of using Square I have not had a single problem with any type of payment. Hats off to Square!

Overall: Easiest way to process payments, period.

Pros: Take it anywhere with the chip reader. Easy to use. Easy to add products. I really like the new gift card feature they just introduced. It's very basic at the moment but I've been told some customization is on the roadmap.

Cons: Some of the navigation around the app could be improved but overall fairly easy to find what you need.

Pros: Square was easy to integrate into our Ecwid online store. The user interface is great, and I've had no problems with any transactions. Everything has been very smooth.

Cons: The only nitpick regarding square is maybe the pricing. It would be nice if the rates or the per transaction fee were lower, but I feel they are competitive.

Pros: easy to use, great advertising. I think the cost factor is on target but of course id like to pay less. Our clients do interact w it.

Cons: Really only the price but logging in and seeing my numbers is nice. The reports are good as well. Only the percent am I not happy w.

Overall: User friendly, co workers like it, clients do too! It's been fun to learn.

Pros: Convenient and easy to use. Able to take payments out of service

Cons: Fees are on the high side. Would like to see the percent go down

Overall: I am able to easily charge clients on the spot

Pros: Square payment processing is very easy, quick, and convenient to use. It offers all of the necessary things for a great price.

Cons: When processing a card payment and manually entering the card number square charges a higher fee than if the card is swiped through the card reader.

Overall: Square payment processing is quick, easy, and convenient to use. It has allowed me to process payments for my patients in a quick and easy manor. It also is affordable with low processing fees. It is a great option for a business that is just starting out.

Pros: What I love most is that I can put the square on my cell phone and my clients can pay me with their card if they do not have cash. This makes running a mobile business much easier.

Cons: So far, I have no complaints. My money is always readily available. It is easy to use & convenient. If I had to choose, I would say the cost is a little more than others, but it has been worth it for me.

Overall: I use this square every day. I have used the same reader for over a year and it still works great. No complaints.

Pros: Convenience is incredibly important to my business. I am a one-man show and need to automate as much of my business tasks as I can. When I get a new client, I set them up on recurring payments 1 time, and I know payments will be deducted the same day each month. This frees up time and gives me peace of mind.

Cons: Variable fees. There is no fee to manually enter a payment. There is a small fee for electronic payments and if you want to automate recurring payments, the fee is higher.

Pros: This was a great tool for our organization to provide alternative (credit/debit card) payment options at our Farmers Market and other events where we didn't have a credit card processing machine. It really expanded our market and brought more people and more dollars to our vendors. Utilizing the system was incredibly easy and the costs were minimal.

Cons: I loved everything about this software. It was easy, we got paid quick, and the fees were nominal. I would use this all the time!

Pros: Square has worked without a hiccup. It's easy to set up and use, and being able to use it with Square point of sale is a huge bonus!

Cons: My only complaint is square is a bit pricey to use. There aren't any hidden fees, so you know what to expect upfront, but I'd like to see cheaper transactions.

Pros: The fast direct deposit into a bank account and how well they keep track of your daily/monthly reports.

Cons: The processing fees can get to be a bit high. Especially for when you are needing to manually enter a card.

Overall: The ease of checking out clients quick and conveniently. With a direct deposit to my bank!

Pros: What I liked most about the software is that is great for customers who may not have cash on them to make a payment it's very professional software customers love it. It is simple to use, easy to set up, convenient, and pretty cool.

Cons: At this present moment I have no cons or issues with the software. I am very glad that I've had no issues. If security became an issue I would then put this down for one of the cons. But at this moment we've had no security problems with this software.

Overall: My overall experience the square payment processing is that whenever I want to go back and use the product again I have no problems with getting back into the program and using the software again it is very easy to use.

Pros: We are a mobile printing and embroidery company and we often find ourselves on location and had no way to run credit cards, square offered us the perfect solution for this problem.

Cons: Nothing really negative about it, except for maybe the fees. However you don't have any expensive equipment or CC processing machines to purchase which is a great thing.

Overall: Very good software for utilizing on location or out in the field. You don't have to buy any expensive software or credit card processing machines.

Pros: Product is small, but does the big job. The Square is such an easy device to use once you have everything set up to process the payments. No need to have a huge system in place to receive payments. Very convenient device to carry with you anywhere. Very easy to send receipts and obtain required signatures. Very nice product!

Cons: Sometimes (very few), the connection to take a payment does not work the first time, but this is rare. The product is so small that it could easily get misplaced.

Overall: Being able to take payments at events immediately is a plus. No need to wait for a check in the mail anymore (which may not come in a timely manner, or get forgotten). Helps keeps the books clean and on track (when you don't have IOU's you are waiting on). Almost everyone wants to use some form of card as payment these days and it is so helpful to have this device. Love It!!

Pros: Low fees, ease of use, multiple platforms - pretty much everything is great. Customer support is a huge bonus here too, and instant deposit is every entrepreneur's best friend.

Cons: No problems really. Everything is so easy and convenient.

Overall: Dump Paypal - go Square

Pros: The value for the money. The fees associated with use of this product are reasonable and customers are already familiar with the brand which lends a sense of security to their transaction.

Cons: I have not yet encountered any challenges with this product.

Pros: The paperless aspect saving 1 tree at a time,

The ability to accept debit

Cons: Emailed receipts take waaaaayyyy to long to be received by customers, can be a bit awkward

Does not accept debit over $100

Not able to edit the satisfaction email

Overall: Worth the money overall

Pros: I love how Square has revolutionized the small business world. I'm a musician and I've been able to sell so much more of my music and merch because of being able to accept credit and contactless payments with Square.

Cons: The fees are a little tough to swallow sometimes, but that's the price I have to pay to accept credit cards I guess. I have looked at other services, but Square is still the easiest to use.

Overall: I love square because its so easy to use!

Pros: I am a business owner who travels and people have access to my services anywhere and with this I can turn my smartphone into a cash register! It's amazing, convenient, and user friendly

Cons: It took me a while to find the one that was compatible with the new iPhone aux jack but when I found a way to use it with my IPhone 7+ it was perfect

Overall: I love how user friendly the software is. You don't have to be a tech savvy person to understand and/or use it.

Pros: I like how easy Square is to use. I am able to accept credit card payments quickly and easily and from multiple platforms.

Cons: If I had to say anything negative about Square, it would be the price of transaction fees could be lower.

Pros: It gets the job done. Payments are easy to accept. Clients know it and feel comfortable with using it.

Cons: It's extremely difficult to track payments. This has us looking for and finding better options for our business needs.

Pros: We've used Square for payments at craft shows and conventions. It's easy to use and the cost for processing payments was laid out in easy to understand terms. Customers recognize the Square name as well which allows them to trust our business when paying with a card.

Cons: I have no complaints with the payment system. I'd love to expand into some of Square's POS options but the cost to obtain them is far too much for our small business' budget.

Pros: Easy to use anywhere, any time. Payments post to my bank account quickly, and I love the instant deposit feature which allows for instant deposits of transactions over $50 into your bank account for an additional 1% fee.

Cons: I wish the iphone app hosted the Dashboard features so I didn't have to login online to access instant deposit and other specific information.

Overall: Easy access to affordable credit card processing.

Pros: No compounded fees for terminal and transactions. Mobile. Connects with WiFi, so no extra electrical or wiring installation needed.

Cons: Least - no Interac payments over $100.00.

Overall: Square is easy and mobile. It is easy to get up and running, getting on with business. I appreciate the simplified fees over all cards; makes bookkeeping much easier. You are able to go back and forth in each transaction for simple corrections, re-sending receipts, etc.

Pros: The ability to take credit/debit cards at occasional fundraising events, and not have to pay a monthly fee. Can be used on multiple devices. Very easy to set up and use. Money is in our account quickly

Cons: I have not experienced any issues of note with the software. My only point of aggravation is when logging with a device code. Very complex code, but probably a necessary security evil.

Overall: Brought our organization up to date.

Pros: Easy Mobile Payment collecting for our drivers and user friendly dashboard for Corporate and Accounting

Cons: Dashboard can only link to one email, making it difficult to change If that user leaves the company or someone else is put in charge of managing the dashboard.

Overall: We needed the ability to take credit card payments in the field for our delivery drivers. Square is easy to use and easy to maintain!

Pros: I like the layout and the simple options that it provides. Its nice that the square attachment can be used on a variety of different devices.

Cons: After making a payment, I don't like how the software goes to the administrator's page. A lot of the time when I am paying for an item, the device is given to me and then the app goes to the page with all of these features and options. It would be great if there was a final, "thank you for your payment" sort of page that prompts the user to give the device back to the administrator.

Pros: - ease of setup

- ease of use

- can run your whole business including online sales via single account

- easy reports

Cons: - paywalled features

- takes a while to learn and understand all the ins-and-outs

- expensive accessories

Overall: I run a small business at our local farmer's market and love using Square for my POS. I love the reports I get afterward, I love that it collects email addresses for marketing, and that I can setup my online store via the same account. It really is a great app. I wish more of the features weren't behind the paywall but I still get a lot out of it without using those features.

Pros: This makes my selling out of office in venues a very simple process. Once i set up all of my inventory, this are very simple to use. The price i am charged on the transactions is competitive as well.

Cons: A lot of initial setup work and support could be a bit faster. Now that I am up and running things are real easy

Pros: Square is easy to use in my clinic or on the go. Money is always transferred into my account within a couple of days. Low fees and no equipment or monthly fees are perfect for the low volume of transactions that I do

Cons: The product that I have only accepts credit card transactions. I know they have recently come out with a square that allows for debit tap.

Pros: Best thing that money get released in less than 48 hours.

Very fast application process and approval.

Very easy to use and you get very useful reports.

Fees are very reasonable.

Cons: In matter of fact there's few to dislike in Square payments. It is easy to use. Good reporting and I really recommend it.