Square Payments Processing

Pros: Square is very easy to use! I am a soap and candlemaker who does a lot of farmers markets and shows and Square has made it very easy for me to accept credit cards on-the-go. For those who like to input inventory, you can do so at your laptop and simply select the products that customers are purchasing from your store or market stand shelves for ease of use. I prefer the option that lets me manually enter an amount. Tax is configured on a separate screen prior to usage. When entering in an amount to charge, the square app calculates the tax automatically. I really like the square payment processing wireless chip reader that allows me to accept credit cards that are chip enabled. Customers sign for their purchase and then indicate if they want to have a receipt sent to their email or their phone, an eco-friendly solution and a way my business cuts down on costs. I don't have to purchase receipt books! At the end of market, I push a button and the funds I charged are in my bank account within seconds!

Cons: Nothing. This is a win, win situation for small business!

Overall: I believe that Square is the best payment processing solution for small business. The rates are minimal and there's no month to month charge. Square as a company does not send a lot of emails to my business inbox. They know I can go to their site if I have questions. I absolutely love how I can have charged funds in my account within seconds of pushing a button to automatically transfer those funds to my local bank account. Customers are able to review my company after the purchase! Square has become an accepted payment processing solution with my customers who are very comfortable using it. If they've purchased from other retailers who use Square, their send receipt info is automatic. The moment you press the button to conclude the sale, those customers automatically get receipts. Square goes one step further for those of us who do wholesale as well as retail. I take Square on my phone with me into my wholesale stores. I am able to fill shelves as needed and invoice accordingly on my square payment processing app under the invoicing option. I can select terms and send the invoice to the store owner immediately as an email. No more having to worry about doing invoices after the fact. You can create invoices on the fly with Square Payments Processing! Are you a small businessperson looking for a great payment processing solution? Square made my sales a lot easier. No fumbling around to wait on the software in front of a customer. Easy, fast, reliable!

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: We use square quite frequently. I often help musicians with their shows and bookings, and this is what we use for merchandise sales, and the system is simpler to set up than large POS machines. I also use this in my own business for people to pay via credit cards, and we have even used it at our personal yard sales in order to allow debit and credit transactions for large purchases. Favorite features: no extra fees, everything is straightforward, and it accepts Apple Pay.

Cons: Occasionally, the smartphone plug in will become disconnected and have trouble connecting, but it's relatively easy to fix, and they have helped send us a new one if it's broken. Customer service is excellent.

Overall: Excellent concept, service, and idea. It is great for small spaces and travel.

Pros: Low startup cost

Great for monitoring cash flow for tax time

If you have good service card are run in a very timely manner

The option to switch over to a flat fee once you hit a certain cash flow volume

Good for accepting payments at any time

Cons: In the past when there was no service available it was not possible to process payments leading to a lot of customers becoming upset that I was unable to ring them out immediately.

If the percentage per transaction could be lowered more customers would use this software for a longer period of time.

Overall: This was a great tool for my small business while we were selling tea products at local farmers markets. I would often also use this tool to charge our retail clients and larger coffee shop accounts. The flexibility this program offers its users was the real draw for my business.

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: There is a big reason why square is so popular! It is a one of a kind payment processing system. It is safe, secure, and easy to use. We use our for a thrift store and nonprofit events. We have two accounts which makes distinguishing funds easy and they are both set up to different bank accounts. You can list items for sale so you know the cost and don't have to type it in. Square even gives you your first card ready for free when you sign up. This is one of those tools that is always handy to have in your bag as the director of a nonprofit.

Cons: After some time card readers to loose their ability to read cards or sometimes cards can be old and difficult to read. If a few failed swipe attempts don't work there is not need to worry. Just go in and type the card number. This option makes everything less stressful.

Overall: One of a kind. This is a solid system with many reporting and set up options. If you sell things then this is the number 1 system for you!

Pros: Square makes it so easy to take payments as a small business. The website and app are easy to navigate and easy to add items or services for purchase.

Cons: When I need an answer to a question, the first solution provided by Square is to go through a series of FAQs or read articles about the the issue. Sometimes I just need to send an email or make a phone call so that I can get back to work.

Overall: I use Square as a payment processor for my small business. It has helped to streamline the taking of payments. The tools they provide with chip machines or swipers has also made being mobile much easier and lighter.

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 love how simple it tis software is to use. You can easily have this set up and ready to except. For the security square offers is priceless. They don't play , Out if years working with this system. They have done nothing but improve this entire process.

Cons: Only thing I can say is I purchased a card chip reader and never received it. However I know they will.correct the issue

Overall: If you need to access your money faster you have that option. And sometimes you need to rush situations. But overall wonderful sustem. And will continue to use.

Pros: This is a reliable, flexible and constantly evolving payment processing platform. It was really one of the first to offer a simple priced credit card processing for mobile and internet-based business, and well remains a leader in the field.

Cons: The charges for manually entering credit cards are higher than those for physical card reading; at this day and age, there should be no difference.

Overall: Excellent payment processing system that also offers invoicing and various reports. Highly useful for a mobile or internet-based business.

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 am completely impressed with the quality of this software! The time between ordering my square device and receiving it was so small, and then setting it up went so quickly, being extremely easy.

When you first sign up, they give you a "pass" by letting your first $1,000 in sales occur without a fee, so long as you do it in the time frame they state. You can even earn fee-less transactions by referring individuals to the software!

My small business has been so much easier to operate courtesy of this software, and I am so grateful it is out there to use.

Cons: I find that there is little to dislike about this awesome software! If I had to pick one thing, I might suggest that they reconsider exactly how much they charge in fees to use it.

Overall: I have had such a pleasant experience using Square Payments Processing. It is easy to download the software onto your electronic device. It is easy set up payments. And, it is easy to operate the software. I would totally recommend this to anyone who is operating a small business and needs to take payments via card.

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: 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: 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: I can log in to square from anywhere on any device. Im not limited to just one device. I use square on my phone, tablet, and pc. I can add my inventory of items to make checkout super fast. Shooting invoices over is a total breeze. I do not run a store website through my square, but I have uploaded all my items with images so that I can show them as I please, but to also make it easier for me to just click what Im selling and how many and boom its done. It will also record cash or check transactions.

Cons: I hate having to turn location services on. I understand why its a requirement, but I choose not to leave location on for my phone constantly. I can't even open the app to alter my items and inventory without having to turn location services on.

Overall: Everything has been a total breeze.

Pros: User interface is excellent, if you need a quick and fast setup the entire Square POS setup is great and looks very clean.

Cons: The rates for credit processing are not in line with the industry, for small companies who have no leverage this may be a good solution, but realistically above 1mil+ in credit cards per year you can cut this rate in half, Square wouldn't work with us on rate reductions, either way saving $1000's now.

Pros: Nothing compares to what square has to offer. They have an amazing processing software, great capital loans, great pos software with inventory capabilities and a free online ordering site. Everyone has tried to beat them and no one has.

Cons: Absolutely nothing. I love it and use it every single day. My only complaint is that square payroll is not available in our area yet.

Overall: Excellent. I have never had a single issue.

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: I like the reliability of this software. Whether I want to take a payment by swiping the card or by typing in the details, I know that it will work, which isn't something I can say is true for other payment processors.

Cons: I don't particularly care for the options for transferring money to the bank account.

Pros: Ease of use. Money is deposited quickly into my account. Processing fees are very reasonable for what it does with no contracts.

Cons: Every once in a while the internet gets screwey.

Overall: For a no contract payment processing solution, I do not think you can beat Square for their fees and support. We use it daily and count on it for our business.

Pros: Getting setup is fairly easy and straightforward, the fees are in align with other similar processors. Getting connected to e-commerce software is nice and simple. Overall, it's a great product as is all of Square's offerings.

Cons: Be forewarned if you process large amounts of money, there will be holds, requests for additional documents as proof of your business, proof of your identity and such. If you get a chargeback, again the same, holds on your money and requests for additional information. These can be a headache if you're in a rush for your money.

Overall: Oveall, I love Square Payments Processing, I loved Square before it had payments processing and was thrilled when they finally added payments processing to be utilized with the websites I build for my clients. Overall, despite the headache with large payments/chargebacks, Square is great and I recommend it to many.

Pros: It is easy to use and I always know exactly what the fees are going to be. I also like that they take the fee off the top of each transaction so there is no surprise bill at the end of each month.

Cons: Higher fees for manually entered cards.

Overall: Square is always fast to deposit funds into my bank account.

Pros: I love the look of Square, the different platforms and how they are constantly making updates to the software. I will log into square on day and square will add a fun, new feature out of the blue!

Cons: Only thing I wish could be a little more intricate is the reporting. I wish we could customize the reporting and be able to pull different stats for sales, date ranges, etc more in depth.

Overall: Very very positive. I recommend it to anyone that has a small business!

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: A very flexible payment system. I use Square when performing business on the go because the application allows for the flexibility to take payments through your mobile device. It helps organize your payments.

Cons: The fees are relatively high for higher volume businesses.

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: This is the point of sale that we use at my work and it's super helpful and super easy to use. Everything is right in front of you at your fingertips and any mistakes made can easily be reversed

Cons: I personally have no negative things to say about this system it honestly is a winner for me

Overall: We use it every day at my job it's the way we process sales. It is so easy we can do is sell within a minute or less it's super easy and super affective

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: Square is great for all sizes of businesses, but especially for smaller businesses. The pricing is competitive for small businesses, and it is very easy to use.

Cons: It did seem to freeze slightly more than similar products I have used.

Pros: I love how easy it is to accept payment from clients at a reasonable rate. Many clients are familiar with Square as well so they feel comfortable using it as a payment option. The reports and data accessible are also great tools to help you see patterns and keep track of finances.

Cons: While processing fees are competitive, having another option to reduce them would be great! They used to offer lower rates if you met criteria, which was awesome!

Overall: I have been using Square for years to help me with payment from clients. I have enjoyed all the updates over the years as Square stays up to date with the times.

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: Ive been using this for months now and all i can say is good things about this. It is really easy to use and to process payments

Cons: Process fee is getting up there, but expected due to credit card fees

Pros: A reliable and easy to use App. It has accounting helpul acoounting features

Cons: The reader disconnects at ramdom times but this could be the blue tooth or internet connection

Overall: Fast easy to use and setup

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: I like that I can use square any where even when my phone has no service.

Cons: Sometimes the transactions do not show up until I restart my device

Overall: I can take credit cards while on delivery

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 is amazing. I like how easy it is to swipe a credit card quickly when there is a long line of customers waiting to pay.

Cons: The only thing I can think of is that when I create an invoice inside the Square system, I wish it didn't track if that gets paid because sometimes I just create it to email it out, then that customer sends payment to me directly.

Overall: Our charity hosts an annual fundraising event that is very busy and Square helps us get through the night quickly and efficiently. We don't have to turn anyone away for not having cash or a check on them. And all we need is a cellphone and a Square reader!!

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.