# Square Virtual Terminal Reviews 2026. Verified Reviews, Pros & Cons | Capterra > Is Square Virtual Terminal the right Payment Processing solution for you? Explore 37 verified user reviews from people in industries like yours to make a confident choice. Source: https://www.capterra.com/p/190305/Square-Payments-Processing/reviews --- Square Virtual Terminal 4.6 (37) [View alternatives](https://www.capterra.com/p/190305/Square-Payments-Processing/alternatives/) Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Learn more](https://www.capterra.com/our-story/) * * * Last updated March 13th, 2026 # Reviews of Square Virtual Terminal Ease of use 4.6 Customer Service 4.0 ## Pros and Cons in Reviews AR Anna R OwnerRetail, 2 - 10 employeesUsed the software for: More than 2 years. “I really like the product, ease of use, and portability, however, the connection issues are really a deterrent.“ April 13, 2022 CV Christopher V PresidentInformation Technology and Services, 2 - 10 employeesUsed the software for: More than 2 years. “I enjoy the ease of use / UI they managed to keep it similar across all platforms (iOS, Virtual terminal in a browser / android along with their terminal too).“ June 10, 2021 CV Christopher V PresidentInformation Technology and Services, 2 - 10 employeesUsed the software for: More than 2 years. “In short: It feels like a well written app and not just another clunky POS website portal.“ June 10, 2021 ## Showing most helpful reviews Showing 1-25 of 37 Reviews Sort by: Most Helpful Rating Company Size Reviewer's Role Length of Use Frequency of Use Robert E. Online Manager Printing Used the software for: 2+ years ### "Square Virtual Terminal" July 15, 2021 5.0 I can create an invoice for a job, and take payment right there!! Comes in handy on the mobile app! Pros I can run a customers credit card via mobile app or online in a web browser! Just pull up an invoice and slect payment method!! EASY!! Cons Nothing... I've been using it for years, and with each new feature they add it does more and more for you!! Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reason for choosing Square Virtual Terminal It was cheaper for transactions, and it allows you to be very mobile!! Review Source VR Verified Reviewer Owner Retail Used the software for: 2+ years ### "Great product, but needs work" April 13, 2022 4.0 I really like the product, ease of use, and portability, however, the connection issues are really a deterrent. Regarding online payments, I think the product is great for an e-commerce store. However, when you're at an event, whether it's on secured wi-fi or mobile data, the connection is really flakey. Pros The product is very easy to use and the interface is user-friendly. Square makes it very easy to accept payments in multiple formats including the chip-reader, swipe attachment, and the terminal. Cons I am constantly having issues with the connection and the card reader not working. I know Square has an option to accept payments when offline, but I don't have confidence in accepting high-dollar payments with this feature. I've been to several events where multiple vendors around me are also facing the same issue. Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reason for choosing Square Virtual Terminal Square was being more commonly used amongst vendors and I didn't want to make a jump to PayPal. Even though PayPal is a trusted brand, Square felt more modern and since many small business owners were using it, I decided to go with Square as well. I feel that Square represents small business owners better than PayPal. Review Source TKK Thomas K. K. Owner and Member Consumer Goods Used the software for: 1-2 years ### "Unprofessional Data Governance and Corporate Accountability Deficit" June 18, 2026 1.0 After weeks of attempting to resolve a critical merchant data dispute regarding an unauthorized live website container maintained on their infrastructure, Block, Inc. (Square) demonstrated an alarming lack of administrative accountability. Despite receiving explicit digital privacy portal requests and a physical corporate demand delivered via USPS Certified Mail to their headquarters, the company maintained the public data pipeline for weeks. The issue was only addressed after formal escalation to the Consumer Financial Protection Bureau (CFPB) and State Attorneys General. To close out the matter, their Senior Complaints Management team refused to provide standard corporate identifiers or full names for transparency, explicitly cited Section 5 of their Terms of Service to deflect accountability for hosting unauthorized content, and directed all future correspondence to their agent for service of process (CT Corporation). Highly problematic data governance and a complete disregard for merchant security protocols. Pros The issue was only addressed after formal escalation to the Consumer Financial Protection Bureau (CFPB) and State Attorneys General. Cons After weeks of attempting to resolve a critical merchant data dispute regarding an unauthorized live website container maintained on their infrastructure, Block, Inc. (Square) demonstrated an alarming lack of administrative accountability. Switched from [PayPal Point of Sale](https://www.capterra.com/p/171165/PayPal-Here-app/) I moved away because independent businesses cannot trust a processor that operates with predatory billing practices and a total disregard for merchant data security. Review Source KD Kiersten D. Baker Food & Beverages Used the software for: 2+ years ### "The BEST" January 13, 2023 5.0 Wonderful experience! I live this thing. I use it all the time and it’s the only thing I’ve ever used for my business. I’ve worked in the food industry for years before starting my own business and square is my favorite payment processing and terminal Pros The ease of use. I can be at home, at a market, at the studio and I can make seamless transactions anywhere with my cake business Cons No cons for the terminal itself. It’s not super expensive, but even if you’re just starting out they offer it on payment plans Alternatives considered [Toast POS](https://www.capterra.com/p/136301/Toast-POS/) Reason for choosing Square Virtual Terminal I love the look of it and all of the features Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/)[Venmo](https://www.capterra.com/p/222572/Venmo-/)[Toast POS](https://www.capterra.com/p/136301/Toast-POS/) Wanted something that would make taking payments quick easy and convenient for me and my customers Review Source IS Isabel S. Portrait artist Arts and Crafts Used the software for: 2+ years ### "Easy to use and set up!" August 13, 2021 5.0 My overall experience has been great. I've only needed their customer service help once and they were awesome. Pros It's super convenient. I have clients all over the place and I go to them to create their fantastical portraits. I can take my virtual terminal anywhere and it works! Cons I haven't really found anything I don't like about this software. It does just what I need it to do and it works every time. Switched from [PayPal](https://www.capterra.com/p/207944/PayPal/) Because PayPal kept my money for months and wouldn't pay it out to me and I couldn't seem to get a human who could help me with that issue. Review Source JB Jenine B. Office Administrator Construction Used the software for: 2+ years ### "Great way to take payments instantly " February 16, 2022 5.0 Overall I would say Square Virtual Terminal has been an asset to our business. It guarantees us payments for our services and it can be done anywhere. It also saves the technicians time in the field not to have to collect payment. They can send me over the information, I can create the invoice, then call the customer for their credit card info. Pros What I like most about the Square Virtual Terminal is that you do not need to be right in front of the customer to take their payments. If a job requires an upfront deposit we can charge the customer before the guys leave the shop. This way they can get right to work instead taking time to collect payment. Cons What I like least it that is costs more if you do not swipe a card. If you manually enter the card information you pay a bit more per transaction Alternatives considered [PayPal](https://www.capterra.com/p/207944/PayPal/) Reason for choosing Square Virtual Terminal We actually have both but just for customer convenience. I prefer Square over any other payment app. Review Source JW Jason W. Manager Retail Used the software for: 6-12 months ### "Square for us is a dare " August 8, 2020 3.0 I have had a neutral experience with square, i had many problems that didn't meet our bussiness needs but they fixed everything and i returned everything and switched to paypal so i cant really complain to much Pros I liked their software easy to use and setup pos system and easy to program inventory and design Cons The hidden fees, expensive hardware, and non support for e-commerce solutions for online retail and non square customers. You must buy their expensive hardware and software monthly fees and maintenance fees and high transaction fees vs a standalone like paypal with no fees and all customers welcome Alternatives considered [PayPal Point of Sale](https://www.capterra.com/p/171165/PayPal-Here-app/) Reason for choosing Square Virtual Terminal I didn't choose square over paypal i choose paypal and switched from square to paypal and paypal here and couldn't be any happier Review Source Krystal J. Catering Manager Food & Beverages Used the software for: 2+ years ### "Very User Friendly " August 5, 2020 5.0 The virtual terminal is very easy to use and easy to customize Pros The ability to use the software anywhere. Cons If your internet is not reliable it can be slow. Alternatives considered [PayPal Point of Sale](https://www.capterra.com/p/171165/PayPal-Here-app/) Reason for choosing Square Virtual Terminal faster set up and verification process was quick. Review Source SH Scott H. Owner Health, Wellness and Fitness Used the software for: Less than 6 months ### "Square is the way to go!" February 3, 2021 5.0 Ive used Square for years with their little mag stripe unit with my phone. Easy to use when Im on the road. Now Im using Square Virtual Terminal as well. It helps me set up recurring payments in addition to on the spot sales Pros I love the versatility of the Square Virtual Terminal. On the spot sales, recurring payments, invoices, and more all at your finger tips. Cons The fees are a little high compared to the rest of the industry. Switched from [Clover](https://www.capterra.com/p/226864/Clover/) Clover did NOT have good supporting apps (for recurring payments). In addition they overcharged, made mistakes that cost my business money, and had horrible customer support Review Source YS YOlanda S. Managed Care Coordinator Hospital & Health Care Used the software for: 2+ years ### "Square Review" March 31, 2025 5.0 Pros The ease of making payments to vendors for services received. Cons I have no issues with this product, it has been great to use when available. Review Source TL Tracy L. Owner Health, Wellness and Fitness Used the software for: 2+ years ### "Would Recommend" October 9, 2020 5.0 I have enjoyed square. Easy set up. Keeps track of earnings for tax time. Pros Easy to implement and utilize right away. Good options for clients-easy to read screen and options for what customers sees. Cons Fees are a bit high, especially if you dont have the hardware. Reader is occasionally hard to use/swipe. Review Source CM Christine M. Manager Retail Used the software for: 1-2 years ### "Square Rocks! " May 5, 2022 5.0 Pros It’s easy to use. It was already to set up too. Cons I never like paying transaction fees. But it’s comparable. Review Source KS KELLY S. self employed E-Learning Used the software for: 6-12 months ### "Makes getting paid easier when self-employed" May 23, 2021 5.0 Pros Easy to use, liked the features it has a lot as well. Cons I didn't care for the credit card fees for my clients but I understand why they exist. Review Source Heather T. Commercial Cleaner Hospitality Used the software for: 2+ years ### "My thoughts on Square Virtual Terminal " July 24, 2024 5.0 While Square Virtual Terminal's transaction costs and customization choices may be better, it provides a flexible, secure, and user-friendly alternative for handling payments and business activities. Pros The fact that it has no monthly fees, makes it more affordable for small businesses or businesses just getting started. Cons The customer support is good Don't get me wrong, but it can be timely especially during peak hours. Review Source Jessica D. Customer Service Dispatcher & Social Media Maven Building Materials Used the software for: Less than 6 months ### "I'm SQUARED Straight!!!!" January 30, 2020 5.0 For the quickest, securest, and most user-friendly method of obtaining, submitting, and utilizing a client's most sensitive personal information in the way of financial transactions, Square Virtual Terminal is where you need to head on over to. Be it over the phone, text, email, or messenger bird, Square Virtual Terminal allows you to swiftly input a financial transaction, badaboom, badabang, DONE. With the built-in methods of confirmation that allow you to immediately send the respective transaction receipt to the payer, via text, email, or print. And it's intuitive enough to be adept for the absolute beginner with no experience EVER, click on Virtual Terminal, and the screen then succinctly asks for customer's name, modality of payment, payment information specifics like expiration date and three digit number on back of card, billing info, and then CLICK. It goes through the magical whirlpool of charging the customer in the blink of an eye, followed by the confirmation screen, in which you can print, send to customer, and attach to an invoice. It's a magical world we live in! Pros SCENE: A client calls you, requesting to go ahead and submit payment, giving you their most sensitive financial data over the phone, with you, and your supervisor slides a note over to you with just the user name and password for the company's Square Virtual Terminal account online. It's your first day. Feigning a confidence worthy of Oscar note, you tell the client that absolutely, you can do that for them, just to allow you a second to pull up his information so that you can proceed with the payment...all the while having never actually done this before, or anything like this really, your armpits begin to sweat profusely, your brain begins to emit this high frequency keen of despair, and with growing sympathetic nervous system doom, you finally are signed in and, hold on, it has a button for "Quick Transaction," that riding on the coattails of an uttered prayer, you click, ask the client for each section's info, and before you can blink, or pass out from the cascade of fight or flight hormones, the transaction has successfully went through, receipt has been printed, emailed, and texted to the client, and the whole ordeal is over as you place the phone back in its cradle in utter amazement. It hasn't even been five minutes! Whaaaaat?! This is a magical payment processor, that's what it is, and you are its wizened wizard now. Come at me bro. Cons Minus the inherent, basic awkward nature of handling someone's most private and sensitive data, especially of the financial kind, this software is making some serious waves in the transaction department and from my experience, elicits no cons. For any and every kind of business financial deal done, be it for products or services rendered, Square has filled the kind of hole circle or triangle or trapezoid simply couldn't, and in perfect adherence to safety and privacy protocols and protection. Fraudulent activity BUH BYE! The entire time I've used Square, in any capacity, I've not run into a single issue, breach of confidentiality, or any instance where my clients has been any thing other than happy and satisfied. Review Source CV Christopher V. President Information Technology and Services Used the software for: 2+ years ### "Two locations powered by Square, solid platform." June 10, 2021 5.0 I've enjoyed using it, it has made writing really fast invoices or reviewing them from other devices a breeze, especially when away from office. I don't need to use it every day as I also use squares other ecosystem POS endpoints but when I do it's fantastic. Pros I enjoy the ease of use / UI they managed to keep it similar across all platforms (iOS, Virtual terminal in a browser / android along with their terminal too). Having the virtual terminal is wonderful when you need to spin up a dynamic POS / additional processing lines. Furthermore it's hardware issue proof since you can just log in on anything that can display a website (more or less). It's also great it ties into the ecosystem they have / reporting and does not feel like a disconnected or different experience when used in tandem with iOS / Square Terminal etc. In short: It feels like a well written app and not just another clunky POS website portal. Cons There is not much I dislike about this one aside from the extra fees charged for 'swipeless' or 'card not present' charges but that's a standard not really on Square itself or Square Terminal. Like I said, it's well done. Reason for choosing Square Virtual Terminal Ease of use, simple fee schedules and flexibility / self managing. Review Source Olga K. Senior Software Engineer Publishing Used the software for: 2+ years ### "Great product" October 11, 2019 4.0 Pretty happy with it. No major complaints. Does what i need. Pros It's all over the place. I can get help quickly from the Customer Service. Everything i need on a daily basis is here. Cons Whatever options I cannot do, I can always get to the full site on my computer and do there. Usually, i dont need anything extra, so it's enough to sue SVT. Review Source DM Dreama M. propietor Graphic Design Used the software for: 2+ years ### "Square has been my Go-To for over 9 years!" February 20, 2020 5.0 Best decision I'd made for my business in the last 15 years Pros I can have access to my funds immediately for an additional fee, I can use it with my phone, they offered stock options when they first did an IPO, and I love the ease of use Cons Customer support is good, but you have to go through too much to actually get it - it's a strict online service, but when you need to speak with someone, you have to register, get a ticket #, a bit much just to clear up an issue Review Source Angela H. Owner Apparel & Fashion Used the software for: 2+ years ### "Square is awesome" January 8, 2020 5.0 It’s been good since day one I highly recommend Pros It’s very easy to use and get started with. Cons A bit pricey but it’s still a good value Review Source RD Reuven D. Owner Hospital & Health Care Used the software for: 6-12 months ### "No comparison" January 14, 2020 5.0 I have tried 3 other credit card processors who promised 'the earth' and delivered poorly. Even though 'on-paper' Square doesn't seem to be the lowest price, at the end it is since everyone else has hidden fees and / or additional cost for the virtual terminal. The virtual terminal is simple and intuitive, it has all the business information in one place and you can choose to get daily emails summarizing the day transactions. Knowing what I know, I'd not waste time with anyone else. Pros Great user interface, easy to use, everything in one place, you can easily access transactions and reports for your business. No hidden fees. Cons I would like the transaction fee to be lower Switched from [Paysafe](https://www.capterra.com/p/128002/Paysafe/) Poor performance Review Source TG Thomas G. Owner Environmental Services Used the software for: 2+ years ### "Awesome product!" January 20, 2022 5.0 Overall my experience with square terminal is a positive one. Pros Implementing this with Squarespace and QuickBooks was super easy. Cons I wish there fees weren’t lower and that they accepted checks. Review Source HM Heidy M. Esthetician Consumer Services Used the software for: 6-12 months ### "Great POS, a bit expensive" January 15, 2020 4.0 It's okay. They are widely known and accepted. Really like their invoices. Very easy to send, and sends reminders. Don't like their booking or processing fees. It's acutally one of the lowest in the market though (besides glossgenius, if you're a service provider). Like their stock keeping. Don't like their customer service at all Pros I like square. I've been using them for a while. Very easy to use. Love their invoices, how easy it is keeping track of stock - you can have alerts sent to you when you're low on products! Cons Their referral program is a bit wonky. It worked for me once then had a lot of problems the other time where basically they were giving me lots of runarounds or just not understanding and saying I was wrong. Their customer service is not the greatest. Don't like their booking either because you can't put categories. If you wax or something your booking menu will be insanely long. If not y. It should be fine. Plus it's free for their booking! People can remove their cards though. And hate they changed their processing. Every company has processing fees though. The worst part of having a business Review Source BK Baljit K. CEO Food & Beverages Used the software for: 1-2 years ### "Convenient and Reliable" May 10, 2022 5.0 I love it. Very easy to hook up on the go and charge customers and accept payments. Pros I love that the terminal is so compact and easy to hook up. Easy swipe and easy charge system. Good security that asks for pubs and passwords so customers can't change purchase amounts. Gets the job done. Cons Have to replug the terminal sometimes as it sits and loses connection. Reason for choosing Square Virtual Terminal Offer showed up as an ad. Review Source BK Brian K. Owner Mental Health Care Used the software for: 2+ years ### "A Standard-Bearer " September 29, 2020 5.0 Overall, it portable, familiar and easy to use both as merchant and customer. Pros Square is widely used and has been around long enough to have worked out the kinks contributing vastly to functionality and use-ability. We use Square often as a merchant app and for regular customers/clients. Cons It is easy enough to embed a marketplace into a website and receive payments online. It is customizable but maybe a little less trendy and a little plainer design than I would like. Switched from [Stripe](https://www.capterra.com/p/123889/Stripe/) Price Review Source Eric M. manager Management Consulting Used the software for: 2+ years ### "Great for on the go" October 22, 2019 5.0 Does exactly as advertised and perfect choice for our need Pros Have hosted several events and brought a mini - mobile pro shop. We have used this instead of actual hardware. Cons some are leery of using financial information on a virtual portal, so there can be some hesitation there Review Source Similar Products Featured ## Related categories [Mobile Credit Card Processing](https://www.capterra.com/mobile-credit-card-processing-software/)[Payment Processing](https://www.capterra.com/payment-processing-software/) ## Send me user reviews about this product ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.