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About Square Payments

Square powers secure payments even when you dont use a reader. Virtual Terminal for over-the-phone transactions, Invoices and more!

Learn more about Square Payments

Pros:

I have used square payment for two of my online stores before, the integration process is very easy, the payment processing is fantastic and the fees is inexpensive.

Cons:

You cannot change the currency once you create the customer, it's really bad because maybe the client could pay with another credit card or another currency.

Square Payments ratings

Average score

Ease of Use
4.7
Customer Service
4.4
Features
4.6
Value for Money
4.5

Likelihood to recommend

8.8/ 10

Square Payments has an overall rating of 4.7 out of 5 stars based on 2,575 user reviews on Capterra.

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Filter reviews (2,575)

Shaunak
Shaunak
Sr. Data Engineer in India
Verified LinkedIn User
Information Technology & Services, 1,001–5,000 Employees
Used the Software for: 6-12 months
Reviewer Source

Ideal of gift card side business

5.0 3 weeks ago New

Comments: Overall experience was very easy, refund and discount policy made simple with square payment's gift card.

Pros:

I loved Square Payments because it's very simple and straight forward to setup the online Gift card shop. They also offer hard card for in-person usage at your kiosks and payment centers. This is very useful for small businesses to offer complimentary give-back items to attendees, participants and volunteers.

Cons:

No cons as such, but need top make upfront payment for physical cards :)

Rachel
Equine Therapist in Canada
Ranching, Self Employed
Used the Software for: 1+ year
Reviewer Source

Excellent Payment Processor for Small Businesses with Helpful App

5.0 2 weeks ago New

Comments: My experience with Square payments has been excellent. It has helped me bill out my services to customers and receive my payments easily and efficiently. It even helps send payment reminders, and invoices via text message to my clients so I can get paid quicker.

Pros:

Square Payments has been a game changer for my business. It allows me to create and send invoices on the go and trust that my clients will receive a detailed invoice and be able to pay me.

Cons:

I wish that it was slightly more customizable for my brand maybe with more color and logo options to truly customize it and make it memorable so my customers know they are receiving invoices from my brand.

Alternatives Considered: PayPal

Reasons for Switching to Square Payments: I liked the very convenient app with Square Payments, it makes invoicing easier than with some alternative processors i've tried

Darren
Darren
Owner in Australia
Verified LinkedIn User
Hospitality, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source
Source: GetApp

Massive Incompetence

1.0 5 months ago

Comments: God awful and excessively costly with their constant service fallovers and enabling thieves to steal from you.

Pros:

Nothing, they have no accountability, no decency, and no competency whatsoever. Fools and clowns.

Cons:

Fraudulent chargeback by a mentally challenged thief that posted photos of his received good publicly. Provided that to Square to appeal the illegal chargeback, and they failed! It couldn't have been easier to win, yet they force you to let them respond on your behalf and screw it up majorly, then refuse to identify the thief so you can fix it in civil court. Disgusting incompetence with no accountability. Don't end up stuck with them like me because of hardware investments, they are beyond awful and will lose your money time and time again.

Mateo
Ownder in US
Individual & Family Services, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Square Payments is easy to set up and allows you to capture payment multiple ways!

5.0 4 months ago

Comments: We've used Square Payments for the last 4 years and during that time, Square has made a ton of updates that improve the software. For example, we've used their Payment Link option to collect payment from clients retroactively in situations where their card was declined or the wifi was down at the time of service.

Pros:

Square Payments is easy to set up and begin accepting payments for small businesses. It has integration with our accounting software so we can easily categorize payments as they occur and offers great features like transaction reports to stay on top of your money.

Cons:

Square payments does take a fee for each transaction but that is the norm.

Alternatives Considered: PayPal, Stripe and Squarespace

Reasons for Switching to Square Payments: Better POS solutions & compatibility with Square Appointments.

Michael Herbert
Furniture Salesperson in US
Retail, 10,000+ Employees
Used the Software for: 2+ years
Reviewer Source

simplify your payments

5.0 last month New

Comments: Square payment is secure and fast, making it very easy to receive payments. Also, it is linked with many accounting tools

Pros:

It is really quite simple and is very easy to set up, especially with all the other accounting tools that are available to it

Cons:

I have to say that the fees are rather high and can grow up quickly enough based on the volume

Verified Reviewer
Verified LinkedIn User
Information Technology & Services, 11–50 Employees
Used the Software for: 1-5 months
Reviewer Source

Square Payments: Good option for small bussiness

4.0 3 weeks ago New

Comments: My overall experience with square payments is a great because it is good option for small size business

Pros:

There is no subscription required for basic uses

Cons:

Support is not available for 24/7 and with this sometimes difficult to contact

Perla
CEO in US
Food & Beverages, Self Employed
Used the Software for: 6-12 months
Reviewer Source

Ok service

5.0 last month New

Pros:

I like how easy it is to use and be able to use at market places when you are not around to connect devices

Cons:

What I like the least was the fees to process payments

Alternatives Considered: Wave

Reasons for Switching to Square Payments: because everyone said that it was a great product

Lindsey
Manager in US
Food & Beverages, 51–200 Employees
Used the Software for: 2+ years
Reviewer Source

Small business friendly and savvy!

5.0 last week New

Comments: Used for a small bakery and also on a personal level to make purchases, create purchases, invoices, and process orders for caterings.

Pros:

Small business friendly!!!! You aren’t charged up the you know what for processing payments that larger companies ding small businesses for.

Cons:

Like many processing and pos tools, you have less customization options and tools when dealing with a small business. This isn’t so much of a problem for us, but I could see expanding into a franchise it becoming a problem long term.

Bianca
Owner in US
Health, Wellness & Fitness, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Square review

4.0 last month New

Comments: Overall good experience, good product with an easy set up

Pros:

Very easy set up, card processor can be used anywhere

Cons:

Customer support can be hard to get in touch with

Damian
Project Manager in US
Construction, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source

square overall review

5.0 2 months ago New

Comments: overall very pleased. square allows you to take payments on the go anywhere anytime.

Pros:

I like that I can be anywhere anytime and use square to allow customers to make payments

Cons:

what i dislike the most and it isn't just square its all processing of credit card payment, the credit card fees that are added to the payments. I understand it but it also sometimes delays payments because most people do not want to pay the fees so they want to have me come back to either get a check or cash or even sometimes say they will just do an ach to avoid the fees

adam
Business Development in US
Information Technology & Services, 11–50 Employees
Used the Software for: 6-12 months
Reviewer Source

A Reliable Choice for Simple, Occasional Credit Card Processing

5.0 4 months ago

Comments: Overall, Square has been an excellent solution for processing smaller credit card transactions in our business. The invoicing feature is especially useful, allowing us to quickly create and email invoices with direct payment links, which streamlines the process for clients. Accepting credit card payments has removed some hurdles for clients, helping to reduce the time it takes to initiate projects, as they don’t have to wait for ACH or check approval.

Pros:

Square Payments is incredibly easy to use with minimal setup required. I appreciate that there are no monthly subscription fees, which works well for me since I only use it occasionally. The predictable, flat-fee pricing per transaction is a big plus, making it a convenient and affordable option for when clients prefer to pay by credit card.

Cons:

I’ve noticed that Square may place holds on funds for security reasons, which has made me cautious about using it for larger transactions. This limitation affects our ability to rely on Square for bigger payments, as a hold on substantial funds could impact our ability to deliver on larger service engagements.

Alternatives Considered: Stripe

Reasons for Switching to Square Payments: We felt that Square was easier to use than Stripe and offered more functionality without the need to purchase add-on services.

Megan
Megan
Owner in US
Verified LinkedIn User
Nonprofit Organization Management, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

The convenience of using Square

4.0 last year

Comments: My overall experience has been great, except for a few hang ups and glitches. I had been worth using for my business, and it works great for my companies needs.

Pros:

I like the ease of setting up on the go I safety features that Square offers I like that I don't have to just have a stationary POS. I can take it on the go.

Cons:

The one thing I dislike is the time it takes for my funds to become available for use or transferring to my bank account. Sometimes I can transfer to my bank account and sometimes I have to wait 24 hours to transfer my funds.

Alternatives Considered: Stripe

Reasons for Switching to Square Payments: Stripe was to complex to try to explain to my co-workers. And is costs more to use monthly.

Rose
Owner in US
Construction, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Square Payments - Great Software

5.0 3 months ago

Comments: Very happy with them, would definitely recommend them to other small businesses. They are affordable, user friendly, and side with their customer (the business).

Pros:

I love this software! We have continued to still use it for payments even after getting a new CRM software.

Cons:

Nothing, it is very user friendly and they even side with you on disputes if you have all the information available to prove your claim.

Anjalyn
Accounts Receivable and Collections in US
Facilities Services, 51–200 Employees
Used the Software for: 1+ year
Reviewer Source

My experience with Square Payments

4.0 3 months ago

Comments: Overall, I would say once you get used to the quirks and learn how to navigate, it becomes more simple to use.

Pros:

What I like most about Square payments is that it is quick and efficient once you get to know how to navigate through the system.

Cons:

I have found that sometimes it does not retain the credit card information I have stored in it. I have also found that the customer has the ability to remove their credit card number when they know that an automatic debit won't go through. When using the mechanism for an iPad or iPhone, sometimes it lags or doesn't function properly at all.

Joanna
Connections Coordinator in US
Religious Institutions, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source

Five stars for Square Payments

5.0 7 months ago

Comments: Overall it’s a great choice whether selling just a few items or a larger inventory of products. It’s quick and easy to use, which is a huge plus on a busy day.

Pros:

Square is so user friendly. It’s easy to create or add products, and I can access it via laptop, iPad or on my phone. People who have never used it before have been able to step in and learn how to easily navigate it in order to run our merch booth. I also like that there is an option to send invoices.

Cons:

Nothing at this time! I’ve recommended Square payments to others looking for a safe and efficient way to capture payments across several different applications (churches, small businesses).

Chanel
Massage therapist in US
Health, Wellness & Fitness, Self Employed
Used the Software for: 2+ years
Reviewer Source

Easy & Convenient

5.0 3 months ago

Comments: Truthfully I haven’t given any other companies a chance. I had Square 1st and will never use anything else.

Pros:

I love Square, it’s easy and convenient! The savings account and my automatic savings is another great perk!

Cons:

I currently can’t find a C-type plug-in for card swipe. Although, tap-to-pay is convenient most times.

Maria
Office Manager in US
Construction, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source

perfect for your business

5.0 5 months ago

Comments: as a small business owner, square made it very easy to create invoices and process payments with our clients.

Pros:

my favorite part is the how easy it is to process payments and invoices

Cons:

in the beginning i had the little square plug in thing. did not like it at all

Mark
Director in UK
Consumer Goods, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Easy to use on the go

5.0 2 months ago

Comments: Great experience all round, reports are also very informative, daily emails reporting the previous days sales is also very helpful

Pros:

Very easy to use with a great interface, i like how the app works, allows me to send invoices on the go and also manage my balace, the app works perfectly and i use it more than the browser based dashboard

Cons:

Intergration with other selling platforms would be good

Kasondra
CEO in US
Food & Beverages, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Game Changer

4.0 5 months ago

Comments: "My overall experience with Square POS has been mostly positive. It’s a fantastic tool for managing my business on the move, especially with how easily it handles mobile menus and keeps everything organized. I love being able to access customer data and transaction history with just a few taps—super handy for staying on top of things. Despite these small setbacks, Square has been a reliable sidekick in running my business, helping me keep everything streamlined and efficient."

Pros:

"What I love most about Square is how user-friendly it is, especially for mobile menus. It makes taking orders and managing payments a breeze, even on the go. Plus, the ability to save all the customer data and transaction history is a game changer. It’s super easy to go back and check past transactions or customer details, which helps me stay on top of everything. Overall, it's a reliable and efficient tool that’s made running my business so much smoother!"

Cons:

"As much as I appreciate Square, adding menu items on the phone while on the go can be frustrating. It's not as smooth as I'd like, especially when you're in a rush. Also, card payments sometimes fail when you're in a busy environment, which can be stressful when you're trying to process transactions quickly. It would be great if those issues could be smoothed out for a more seamless experience!"

Anonymous reviewer
E-Learning, Self Employed
Used the Software for: 2+ years
Reviewer Source

Simple and easy

4.0 4 months ago

Comments: When you run a small business, Square could be almost the best solution. It is simple, easy and nothing to worry about it. However, if you want to go a little bit deep, it causes problems. For example, if you accept a large payment (maybe more than $1,000) through code that you create inside Square website, it will ask you to provide documents. Bothering.... and it freezes the payment asking you to refund to the customer.

Pros:

Easy and stable to use and things like taxes are treated inside Square.

Cons:

Too high fees to accept payments. Freezing of payments for a little bit large amount like $1,000.

Casey
Casey
Vice President in US
Verified LinkedIn User
Logistics & Supply Chain, 501–1,000 Employees
Used the Software for: 2+ years
Reviewer Source

Every Business Should Be Using Square Payments

5.0 last year

Comments: Overall, everything has been fantastic! Collections are down, customers are much happier and business runs much more smoothly.

Pros:

This makes it quick and easy for both customers and our business. It has cut down on collections as well.

Cons:

There is nothing I dislike. I feel like every business should have this.

Ryan
College Business Class in US
Retail, 2–10 Employees
Used the Software for: 1-5 months
Reviewer Source

Square Payment Review

5.0 6 months ago

Comments: It was overall a good experience. We received the money as expected and were able to charge peoples credit cards.

Pros:

I liked how easy it was to use this. I use this for a college entrepreneurship class. We had to create out own product and sell it on campus. Square made it easy and convenient.

Cons:

The only thing I didn't like was the fact that the funds were not deposited to me right away. It is understandable on why but in a perfect world, I would receive the money right away.

Denise
Director in UK
Retail, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Easy payments with square

5.0 7 months ago

Comments: Square payments are easy settled in your account same day low charges

Pros:

Easy to use can use anywhere can use through your phone

Cons:

Was disappointed that my card machine after a while stopped working and was told by support nothing they can do after a year you have to buy new terminal

Verified Reviewer
Verified LinkedIn User
Music, 11–50 Employees
Used the Software for: 1+ year
Reviewer Source

Easy To Use Payment Process Software

5.0 9 months ago

Pros:

Square is a household name brand. With this popularity the company makes sure the software is easy to use. On first use it is a straightforward process upon first opening & the first sale. I would recommend Square to anyone just beginning their business in face to face sales.

Cons:

Square is incredibly easy, there are no cons.

Jenna
Consultant in Canada
Food & Beverages, Self Employed
Used the Software for: 2+ years
Reviewer Source

Best Payment solution for any company

5.0 5 months ago

Comments: Square payments make it affordable for small businesses. You can take it on the go and not have to worry about missing out on a sale. Customer service is great. You can also get your money instant in your bank.

Pros:

Pros: Easy to set up. They except many types of payments, at a great rate. Helps keep my inventory organized so I know when I need to re order more product for my company.

Cons:

Cons: The original square hardware I went through a few of them cause they just stopped working, but they have improved now. No issues with the new Gen.