Square

Square Virtual Terminal


4.5 / 5
578 reviews

Who Uses This Software?

From a one-person shop just starting out, to an enterprise scaling their operations, Square works for every type of business.


Average Ratings

578 Reviews

  • 4.5 / 5
    Overall

  • 4.5 / 5
    Ease of Use

  • 4.5 / 5
    Customer Service

Product Details

  • Starting Price
    Not provided by vendor
  • Free Version
    Yes
  • Deployment
    Cloud, SaaS, Web
    Mobile - Android Native
    Mobile - iOS Native
  • Training
    Documentation
    In Person
  • Support
    Business Hours

Vendor Details

  • Square
  • www.squareup.com
  • United States

About Square Virtual Terminal

Accept every way your customers want to pay with Square Payments. Get a free magstripe reader to swipe credit cards anywhere. Take chip cards and NFC payments with Square Reader for contactless and chip. With Square's credit card processing, you can accept all major cards and get deposits as fast as the next business day. We offer chargeback protection, fraud detection, account takeover protection, and more, so you can focus on your customers. Its free to sign up and fast to get set up.


Square Virtual Terminal Features


Square Virtual Terminal Reviews Recently Reviewed!


Definitely Reccomend

Jul 16, 2019
5/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

5 / 5
Customer Support

4 / 5
Value for Money
Likelihood to Recommend: 9.0/10 Not
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Pros: Square is very user-friendly both as a mobile app and desktop virtual terminal credit card processing provider. Although their processing fees and rates may not be the lowest, they also don't have hidden fees and mystery surcharges (i.e., higher rates for Visa or MC rewards/miles card transactions, etc.). Furthermore, users can easily access sales reports and/or have set up to be sent to an email address automatically at user-specified intervals. Data in the reporting section is easy to read and understand. Our employees are also able to access transactions receipts, issue refunds, and include additional notes or customer details that appear on a receipt or transaction record(s).

Cons: Customer Feedback feature is nice, but extremely limited in terms of utility and as a small business marketing tool. Ideally, Square customer feedback would be able to integrate with other reviews or ratings websites and platforms, such as Google for Business, Yelp, Wordpress, etc. I would love to see future updates to this feature that allow customer feedback to be published to external sites or pages like Facebook or Yelp.

Virtual Terminal/online POS access for multiple users requires a subscription/pro plan, which is prohibitive for small mom-and-pop outfits like ours. Even if free accounts were allowed 2-3 additional user accounts, that would make a huge difference for internal LP and accountability tracking.

Overall: Unlike past credit card processing vendors, Square truly makes an effort to show its commitment to small businesses and independent contractors. Even in resolving chargebacks or disputes, Square makes it feel like they've got your back, and that they are doing all they can on your behalf. Past vendors have made it difficult for us to win chargeback disputes by not allowing adequate time to submit documentation or responses, requiring all dispute documents to be physically mailed, etc.

Capterra loader

Finally a Payment Processing Solution without a major learning curve, fast and efficient, solid!

Jan 23, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
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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!

I'm a Piano Teacher, Not an Accountant

Aug 09, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Recurring billing and automatic reminders, all the way!! Saves me so much time & energy in sending out invoices each month to my 30+ piano families. I'm not sure why I used to dread sending out invoices each month, as it means I'll get paid. But I very much dreaded it, and would drag my feet in sending invoices. With automatic recurring billing, I set it up once (very simple to do) and I don't have to think about it again, until I get the email confirmation that all the invoices have gone out. Then I think about it again when I'm notified that the invoices have been paid (the best!;).

Cons: I SO wish I could set up and send invoices in bulk...just create a template, enter a list of email addresses, and hit send. It's not at all difficult to create and send invoices, just a little time consuming on the front end when each one has to be set up individually.

Overall: I've been with Square for several years, since I started teaching piano as more of a full-time profession instead of a side hobby, and overall, I'm VERY happy with them! I'm not an accountant, nor do I want to spend lots of time on the admin/financial side of my business; Square has just enough customization options and report capabilities to keep this Creative happy. I know there are cheaper payment processors out there, but I really enjoy the ease of use that Square provides along with the brand recognizability.

Accept Payments Online or In Person

Feb 23, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: I am able to use this software to accept credit and debit card payments on our website. I am also able to use this software to accept payments in person at craft shows. When logging in to my account to view sales transactions, I am able to find what I am looking for quickly due to the level of user friendliness.

Cons: I was able to add the inventory information for the items we sell in our online store. However, every day I receive a message telling me that my inventory is a negative amount for each item. In spite, multiple times to correct this, the inventory levels still do not match what is actually available and listed on our website. I have tried deleting the inventory from Square to start over, however, the only option appears to be deleting each item individually. We have a couple thousand items, so this is not practical.

Overall: I have been using Square since 2015. I like that I have a card reader I can plug into my phone or tablet using the phone jack. This enables me to take in person payments at craft shows that we occasionally do in the spring and summer months. In addition, I was able to set up Square to accept card payments on our website. In fact, I learned about the e-commerce platform that we utilize through a promotion from Square. I may not have learned about the platform without Square and that platform has exceeded our expectations. When I log into my account to view sales transactions on Square, I am greeted by a screen displaying a bunch of boxes. Each box contains different information I may need. Because of this, I can easily find and access the data I need. The interface is user friendly on both a desktop and mobile device. My only complaint with Square is that the inventory tracking feature seems to be faulty and has not properly integrated with my website. This results in multiple email alerts that my inventory is extremely low when in actuality it is not.

I absolutely LOVE Square

Apr 19, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Since we have technicians in 30 different city and states who perform road service on the side of the road we do not see our customers and our technicians do not deal with payments. Square has a machine where you can swipe customers credit cards, but for businesses in our predicament Square lets you go online and run a customers credit card by typing it in manually. We have the option to transfer it straight to our account right away or wait until it batches out at the end of the day. You will ned a zip code and CVC code for each transaction. You can send receipts to customers via email or straight to their cell phone as soon as you run their card. If you have a dispute with a company the process is pretty smooth. Allowing you to enter in information on your behalf of the work that was performed and adding pictures of credit card authorization forms, or pictures of the job being done as proof. It is pretty cool.

Cons: I do not have any cons on this software as of yet...

Overall: Overall Square gets the job done in a timely manner and is a great software for processing credit card payments.

Capterra loader

Convenient & Easy to Use

Jul 22, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: We use this to process payments from customers at their homes when we do home repairs, lawn care and maintenance. The best part of this system is that it allows us to upsell and offer a convenient solution for payments when homeowners dont have cash or dont want to write a check. It's easy to keeps track of sales and they are intuitive and easy to use.

Cons: No major problems is over 2 years of use.

Overall: Onsite payment. We have multiple employees using the system and I (the admin) can see the transactions immediately. It's been a great tool for us and has actually increased our revenue.

Payment Processing for the Next Generation

Apr 01, 2019
5/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

5 / 5
Customer Support

4 / 5
Value for Money
Likelihood to Recommend: 8.0/10 Not
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Pros: After years of struggling with the frustration of dated 2008 virtual payment processing services, I finally made the switch to Square two years ago. I haven't looked back since. I don't have a brick and mortar store, nor do I have an online store, but for working with my clients I use Square for invoicing. My clients absolutely love it! So much so, that many of them have left the older payment granddaddy for the new kid on the block.

Set-up your business information and you're all set. It has the usual deposit features (daily, instant, etc), and you can allow the system to automatically send reminders to your clients for overdue/unpaid invoices. Daily summary reports are available and sent to you via email as well. Integrate this with the Square Appointments system and you have an administrative system on the fly.

Cons: It's not quite as advanced as the granddaddy system, but they are quickly catching up - for example, Square recently added the ability to request a deposit on an invoice (a great feature for long term projects, design work, etc). And other new features seem to be rolling out regularly.

Overall: Love it.

Easy+Quick Payment Processor

Mar 21, 2019
5/5
Overall

4 / 5
Ease of Use

4 / 5
Features & Functionality

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: The one thing I love most is Square's interface. They have big, beautiful buttons to click on that make the entire process seem effortless for you and your customer making the transaction. Another thing I love about Square is how fast your payments are processed, you'll wait a max of 2 days, and most of the time deposits are available within one day. When you first sign up with the app, they have a simple and quick checklist to help get you set up, this was great because it was an easy process that leads you to success. The app itself offers so many reports, and ways to track customers, appointments, employees, transactions, invoices, and so much more like loyalty, and marketing. There are so many things you can do with this simple but action packed Square payment processor. The best thing about Square is the ability to have a virtual terminal, meaning you can swipe cards from any computer and the ability to manually take payments. I also love the mini walk-through tutorial you can experience when first using the app, that way you're prepared to take your first payment. You can also scan barcodes with Square, which makes the checkout process very easy.

Cons: Square is perfect for small and medium businesses, but eventually if your business gets larger it will outgrow Square.

Overall: The all in one solution for small businesses, it has everything you need to start and manage any type of payments in/out of your business.

The Best Mobile Credit Card Machine

Mar 16, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Who wouldn't like the ease of mobile payment processing on the go? Square payments processing allows me to take control of payments out in the field from customers which allows more privacy for the customer to be able to process a payment onsite as opposed to asking for credit card numbers over the phone which puts the customer at great risk of identity theft. I also enjoy taking advantage of the fixed processing fees that square offers. They do not try and take a higher percentage for larger amounts rather charge a fixed 2.75% for swiped transactions which most of my business is. I would be lost without Square and that freedom that it offers my business.

Cons: The only thing I do not like about this software is that it does charge .15 for each keyed in transaction. Sometimes when a customer's card is worn and the only option is to manually enter a transaction.

Overall: I have been able to not have to resort to someone sitting in front of a credit card processing machine in order to feed card numbers in and I am able to do this right on site which reduces my payroll significantly.

Awesome for small bussiness

May 22, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
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Pros: I love that I can take any type of credit card without the need for monthly fees or contracts.

Cons: I don't like the fees but they are unavoidable. The fees Square charges are fair.

Overall: I use this often with customers who want to pay by credit card. I can send invoices by email and they can pay online too. I get my money quickly form Square and have never had an issue since I have been using them. I signed up almost as soon as they opened their doors.

My Favorite Processing Platform

Apr 28, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Value for Money
Likelihood to Recommend: 9.0/10 Not
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Pros: The new instant deposit feature is really, really nice for personal and small business users who need rapid access to their funds. Their overall system is easy to use, navigate and setup from the start and they continue to roll out new features that make doing business easier and easier. I love have everything I need to process payments, even invoicing and POS, right in one location.

Cons: Charging an extra percentage point for using an instant deposit feature is a bit crappy, but hey, that is business I suppose. I would also like to see it a bit easier to use their API system to hook into other eCommerce platforms as their existing API is a bit tricky to say the least.

Overall: Square has an entire suite of merchant processing utilities that have taken a lot of hassle out of my everyday routine, and I am quite happy for it. Especially given that this all comes with NO monthly fee - only per transaction charges.

Thankful for Square

Apr 05, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

4 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: I am able to process payments without monthly fees, my funds are delivered next day, and the chargeback protection is amazing. I have not found a credit card processing company willing to help business in the chargeback situations. The banks side with their customers every time and there is a lot of fraud because of it. Square offers protection if you provide valid evidence, I haven't found another processing company that does that. I also like that they take their processing percentage right away, rather than at the end of the month. This way I do not have to worry about payments due. I use invoices a lot, and I like that they are offering lines of credit now in case I need to make big purchases. The payments are made back by my transactions, that was nice to be able to purchase supplies without using high percentage interest rated cc's

Cons: I hate that apple phones no longer have a headjack so now for my square reader I have to have an extension, which is quite awkward.

Capterra loader

Square is so convenient and user friendly.

Jul 18, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: I have been using Square for at least 2 years now. One of my favorite features is the Square Card and the ability to have instant access to my money.

Cons: I do not like that it doesn't accept Netspend as a bank account. I have to set up my debit card for instant transfers instead which adds an additional fee.

Overall: I find it very easy to use and set up. The app is very good for reporting as well.

Nice Options for Having Pre-Set Service Costs, but Higher Cost for Stored Cards

Oct 04, 2018
4/5
Overall

4 / 5
Ease of Use

5 / 5
Features & Functionality

3 / 5
Value for Money
Likelihood to Recommend: 6.0/10 Not
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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.

Capterra loader

Quick, easy and convenient.

Nov 02, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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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.

Capterra loader

Great for bands, large events, small businesses

Dec 30, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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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.

Capterra loader

Great for my small business

Jan 14, 2019
5/5
Overall

4 / 5
Ease of Use

5 / 5
Features & Functionality

4 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 8.0/10 Not
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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.

Outstanding Payment Portal

Apr 11, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Rather than getting gouged each month by some of the bigger payment gateway services, Square allows you to send invoices, including scheduled/recurring invoices; set up reminders for invoices; swipe cards through its free magnetic strip reader; set up payroll, and a whole lot more. I consider Square to be a much more flexible payment provider than PayPal and there support is fabulous... A couple of years ago, I mentioned the option of adding invoice reminders and received what I initially thought was just a quick, kind response from a woman indicating that she would be forwarding my recommendation to the development team. A couple of months later, however, I was stunned to receive a follow-up email from the woman inviting me to review the beta version of the invoice reminder system that was kicked off after receiving my recommendation. My feedback was also ultimately implemented within the final invoice reminder rollout. Now THAT'S customer service.

Cons: In my opinion, there is absolutely nothing at all NOT to like about Square.

I wouldn't have my small business without Square Payments Processing!

May 21, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money

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.

Good Product

Jun 24, 2019
4/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

5 / 5
Value for Money
Likelihood to Recommend: 8.0/10 Not
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Pros: Square is extremely user friendly for both the customer, and client. It takes very little time to set up, and there are options to have free transactions, which is a hug plus!

Cons: Not everyone feels as safe using Square, as they do PayPal, and some other more well known products.

Overall: We use this primarily for ticket sales for different events, and it has gone very smoothly!

Very useful for on the go transactions

Jul 22, 2019
5/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

4 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 8.0/10 Not
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Pros: I use this both in my personal business ( selling Jewelry) and at church to sign up for events. It is very easy to use and I love that I can enter inventory for faster transactions ( versus looking up the price of everything). I just click on what the customer needs, swipe their card and if they have used the square before they are already in the system and the receipt goes out immediately. If they are not, they simple enter their phone for a text or email and your done!

Cons: Unlike my Propay account, I wish there was an ATM card I could use for the funds versus having to wait until the funds are transferred to my checking account. That is the only drawback.

Overall: I have very much enjoyed my experience with Square. I only changed over to Propay because Premier launched e-commerce for our web pages and we had to use Propay instead. I still have my square so I can use it any time if needed but with my Propay account I have immediate access to my funds by way of a debit card so that works much better for my needs. I cannot remember if you can email invoices with square but I would assume so.

Capterra loader

Start Taking Payments Today. Easy To Get Started.

May 07, 2019
4/5
Overall

4 / 5
Ease of Use

3 / 5
Features & Functionality

2 / 5
Customer Support

4 / 5
Value for Money
Likelihood to Recommend: 7.0/10 Not
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Pros: Square is fast and easy to setup, accepts all credit and debit cards, and pays out fast directly to your bank account. I cannot recommend Square enough for any business needing the convenience of accepting credit and debit cards.

Cons: Square offers many features that enhance their payment processing service. Most of these additional features add to your fees Square collects each month. It would be nice if Square offered a few more of these additional features and enhancements for free.

Overall: Overall, for the convenience and easy of use it is hard not to recommend Square as a payment processor for small to medium size businesses. You will gain access to all the conveniences large businesses enjoy to accept credit and debit payments at an affordable rate for your low volume of use. If you are a large business with very high volume it might be worthy to investigate other options which could yield lower overall costs and fees.

A terrific, easy, and relatively low-cost option for payment processing

Jul 30, 2019
5/5
Overall

4 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Easy set-up

It's easy to program your cash register interface to your liking

Advanced options are available and also easy to configure

Cons: On rare occasions, some functionality is difficult to access

Function of your cash register (if you're using it for in-person payments) is dependent on a strong internet signal

Overall: We switched from a more traditional cash register/payment processing system to Square after opening new retail space on our college campus. Ease of set-up, ease of use, and ease of reporting have all been terrific. We don't spend a lot of time thinking about it, because most of the time, it just works. A payments processing solution that doesn't require a lot of attention or thought is perfect for what we need.

Capterra loader

Very convenient - not quite sure how it works

May 17, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality
Likelihood to Recommend: 10.0/10 Not
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Pros: After I go to a store that uses Square, I get an email receipt, which in my opinion is way better than getting a paper receipt that I'll probably toss anyways. It keeps us from wasting paper. Also, the system moves quite quickly and is extremely self-explanatory. I also remember a while ago there were Square card readers that could be plugged into phones through the headphone jack (back when headphone jacks were a thing) which I thought was extremely interesting.

Cons: There's not much there is to dislike about Square - I'm not sure how well it works with Apple or Android Pay (or any other kind of virtual wallet), so it might not be as optimal for people to that end.

Excellent product

Jul 16, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Square is very intuitive. Everything is touch based and easy to locate. I really like the custom reports feature.

Cons: sometimes it can be difficult to find what you're looking for. And the rewards feature requires you to enter a customer name before transaction to apply benefits.

Life Easy with Square

Aug 08, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: I LOVE the fact that after so many transactions and good history, Square offers Capital to you. They take payment back from daily CC sales.

The app and web page are well designed and work flawlessly!

Square also offers Instant Deposit to a debit card, which makes it perfect when you need the funds right away.

Cons: Only Con I have is that the processing fees are little high compare to other Processing companies

Nonprofit Events

Nov 06, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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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!

The Easiest Way to Accept Payment

Apr 02, 2019
5/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Simple setup.

Easy to use.

Free card reader.

Instant deposit.

Cons: The processing fee isn't the cheapest, but it's not unreasonable.

Overall: This is the best possible way to get setup with accepting credit card payments. Once you create your account, which only takes a few minutes, they'll send you a free card reader. But you can also accept payments by manually entering the card numbers. It works equally well on a desktop computer (via website) or using the mobile app.

One of the best features is that if you have $25 or more to deposit you can instantly deposit the money. I usually get it in my bank account within seconds of depositing.

Plus, now they have new features like invoicing, capital loans, and POS solutions.

Great Payment Processor

Feb 06, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

4 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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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.

Economical and Flexible Payment Processing

Sep 12, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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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.

Simple to use and Transparent pricing .

Jul 30, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money

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.

Square Payments Great for Receiving Payment Anywhere

Jul 31, 2019
4/5
Overall

5 / 5
Ease of Use

3 / 5
Features & Functionality

3 / 5
Customer Support

4 / 5
Value for Money
Likelihood to Recommend: 8.0/10 Not
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Pros: What we liked most about the software was giving our customers the ability to pay for their purchase with a credit card. In fact, once they learned that credit card payments were accepted, most of our patrons used the Square Payments method.

Cons: As with any device that relies on WiFi or Cellular data - it doesn't work when in some locations because of lack of signal strength or no signal at all.

Overall: Our overall experience with Square Payments has been overwhelmingly positive. Our customers appreciate the ease and convenience of swiping their credit card vs paying in cash or worse, writing a check.

Square payments processing

Dec 24, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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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.

Reliable payment processing with many options

Jan 30, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

4 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 9.0/10 Not
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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.

Capterra loader

Great POS, definitely take a look

Apr 02, 2019
4/5
Overall

3 / 5
Ease of Use

4 / 5
Features & Functionality

2 / 5
Value for Money
Likelihood to Recommend: 7.0/10 Not
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Pros: Square did an amazing job in creating a POS system that is easy to use internally as well as for customers. Their UX is simple and clean. They allow you to customize the views that clients can see and do a good job on allowing data out of their system to be consumed by the executive team.

Cons: The only problem I have is not about how much data they release to me, but how it is formatted. It is messy and difficult to sort through. I need a third party software to visualize the data for me.

Capterra loader

It's been much-copied, but Square holds up well.

Jul 31, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

3 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 9.0/10 Not
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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.

Accept Payment Safely

Oct 30, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

4 / 5
Customer Support
Likelihood to Recommend: 9.0/10 Not
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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.

Capterra loader

Perfect for working on a food truck

Apr 17, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

4 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 9.0/10 Not
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Pros: I use Square Payments Processing on a food truck I work on on a daily basis. I have no previous experience in food service, but I've found Square to be super simple to use. If you set everything up, it's as easy as selecting the item the customer has ordered and swiping their card. After that point, the customer signs, has the option to leave a tip, and you can send them a receipt. It's all very intuitive and I know the owner of the food truck enjoys the app keeping track of his sales.

Fun fact: we used the data on our Square app to find out what sandwiches were selling better than others.

Cons: The system has glitched out on me once or twice. It's really easy to reopen the app and restart the transaction, but if you've got a big line full of hungry customers, it can get a little stressful.

Overall: Using Square Payments Processing is super simple, it's like having a cash register on the go. Being able to keep track of your sales in such an organized way really helps in a frantic environment like a food truck.

Really good option for payment Processing

Mar 15, 2019
4/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

3 / 5
Customer Support

4 / 5
Value for Money
Likelihood to Recommend: 8.0/10 Not
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Pros: I really like that the entire square system is very simple and straight forward. The online dashboard is awesome for looking at sales trends, transactions, and other type of report you can think of. You can get very detailed reports and the interface for pulling those up is very intuitive, making it really easy to do.

Cons: I think in terms of price there are cheaper options, but I think Square is a good value. I wasn't very impressed with customer service and didn't like that searching for solutions would direct you to their user forum of previously asked, and seldomly answered, questions.

Overall: Overall, I think that square is great for those that want a very easy-to-use and straight-forward system, especially for businesses that have simple product lines. For bigger or more complex businesses other options might be a better fit.

Capterra loader

Super Intuitive POS

Jul 25, 2019
5/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Very clean design, easy to get started and excellent customer support. I requested additional signage for our workspace and it was mailed to me the same day

Cons: Sometimes glitchy if WiFi is weak - mainly if trying to use Square on same network as many users (ie, in a co-working space)

Overall: Super safe and easy to learn and use right away

Capterra loader

Great for small business!

Dec 05, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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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.

Very easy to use with little issues.

Feb 14, 2018
5/5
Overall

5 / 5
Ease of Use

4 / 5
Features & Functionality

2 / 5
Customer Support

5 / 5
Value for Money

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.

Payment Processing

Sep 12, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

2 / 5
Customer Support
Likelihood to Recommend: 10.0/10 Not
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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.

Square invoicing adds to efficiency and ease of payment

Sep 17, 2018
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality
Likelihood to Recommend: 10.0/10 Not
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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.

Square is awesome!

Feb 28, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Lot's of Pros! It's easy to use, has lot's of features, is updated reguarly, and is very reliable. We've used it for probably 4 years and have had very few problems.

Cons: Almost no cons. Of course their rate could always be lower but they have to make money somehow.

Overall: We used to use a point of sale app and a credit card swiper but now it's so much easier we have the Square POS app and can run card right on it and never have any issues. Plus it even connects to our website and processes all of our online sales.

The most universal and easiest to deploy POS in the market

Feb 22, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: Deep features for product categorization, staff management, ecommerce, reporting, and POS kiosk customization.

Cons: The ecommerce features are basic and could do a lot more to facilitate the unification of your brick and mortar and online presence. The hardware is expensive but is very well designed.

Overall: The best in class point of sale system. Fantastically easy to manage and deploy. Has a lot of depth of control in invoicing, scheduling, staff time management, tipping, reporting, and overall sale management.

Capterra loader

Super easy with multiple options available

Nov 08, 2018
4/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

4 / 5
Value for Money
Likelihood to Recommend: 9.0/10 Not
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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.

So convenient!

Jul 24, 2019
5/5
Overall

5 / 5
Ease of Use

5 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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Pros: I really like that they give you a variety of options and tools to process payments. I love that it holds tha transactions of the clients.

Cons: I think the fees are a little too high for the mental health industry. The swiper at times does not work, so you have to struggle with it, but it goes through eventually.

Overall: I have loved the convenience and ease of using Square. I love the online portal and the option to receive free processing fees when we refer others!

Simple UI and functional, poor rates

Feb 12, 2019
4/5
Overall

4 / 5
Ease of Use

4 / 5
Features & Functionality
Likelihood to Recommend: 4.0/10 Not
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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.

Use Square Surprise Your Clients With Instant Payment Anywhere

Sep 23, 2018
5/5
Overall

3 / 5
Ease of Use

3 / 5
Features & Functionality

5 / 5
Customer Support

5 / 5
Value for Money
Likelihood to Recommend: 10.0/10 Not
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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 -