About Square Payments

Square Payments is a cloud-based payment processing tool for businesses within the retail, food and beverage, and health and fitness industries. Key features include fraud prevention, dispute management, touch-free transactions, automated invoicing, and cash flow monitoring.

Square Payments’ built-in analytics uses machine learning to track fraudulent activities and monitor transactions in real-time. It can send automatic alerts on suspicious activities. Automatic receipts speed up the checkout processes and ensure a digital record of all purchases is kept. Additionally, this tool comes with an activity dashboard, which consolidates all customer data and provides timely updates on sales and inventory.

Square Payments is...


Read More

Supported Operating System(s):

Web browser (OS agnostic)

1,529 Reviews of Square Payments

Average User Ratings

Overall

4.69 / 5 stars

Ease-of-use

4.5

Value for money

4.5

Customer support

4.5

Functionality

4.5

Ratings Snapshot

5 stars

(1,193)

1,193

4 stars

(272)

272

3 stars

(56)

56

2 stars

(13)

13

1 stars

(14)

14

Likelihood to Recommend

Not likely

Very likely

Showing 1 - 5 of 1529 results

November 2020

Jessica from Hubs and Wifey Cleaning Co

Verified Reviewer

Company Size: 2-10 employees

Industry: Hospitality

Time Used: More than 2 years

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

November 2020

Square Payments

My overall experience with Square is very positive and I will continue using it for years to come.

Pros

I can accept all kind of payments. When i started my business I realized most if my customers didn't carry cash. I can take any debit or credit card and if it doesn't swipe with the free reader Square gave me I also have the option of typing it in. My customers no longer have to run to the bank to get cash. With the pandemic going on it also helps that I can take contactless payments to make my customers feel safe. Everyone should know about this and share with other business owners, friends, or familt. I give this software my highest recommendation.

Cons

There are so many pros and I cant think of but one con. It cost every time you swipe a card and a little more if you have to manually type it in. It works out best to pay when you use it if you dont use it that often but if you use it several times there should be a flat rate fee by the month or an option to choose which plan you would like.

Reasons for Choosing Square Payments

The same thing i mentioned earlier is a lot of older people would rather just give me their card to swipe than try to learn how to use all this technology and also if they made a mistake and used a different software they could have accidentally paid the wrong person and most people won't issue a refund. They dont have to memorize cashtags or paypal login and username info. Its just like going to the grocery store and giving your card to the cashier. It can give them piece of mind and have a record of where their money goes when i send the invoice.

Reasons for Switching to Square Payments

I didn't have the option of swiping someone's card in or typing someone's card in that may know not to use phones or payment software. A lot of older people didn't have cashapp and most that did also didn't know how to use it either. Square also has contactless pay and electronic invoices that way there is a detailed record of the payment and services for both parties.

June 2021

Kelly from Monarch Fine Jewelry + Professional Piercing

Company Size: 2-10 employees

Industry: Luxury Goods & Jewelry

Time Used: Less than 6 months

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

June 2021

High processing rates, worth every penny!

I absolutely love that Square offers so many features for small businesses and that they all integrate. If I could give myself advice when I first opened my business, it would be "Don't get a bunch of different programs and lie to yourself that you'll just be more diligent keeping records. Just open the business with Square for everything so it's all integrated in one place."

Pros

It's soooo easy to use! The interface is very easy for our clients to use. It's taking us less time to ring clients out, and clients are leaving much higher tips than when we used other processors. I absolutely love how Square offers all the services a small business could ask for: credit card processing, invoicing, accepting payments offsite, POS systems, appointment booking, ecommerce, the list goes on. I tried lots of other services before switching to Square for everything, and I wish I had just saved myself the time and started using Square for everything and integrating systems right when my business first opened.

Cons

My only hang up with Square is their high processing rates. I'm aware that they can offer better rates if a business does greater than $250k annually in sales, but that's only if the payments have all been through Square. So it's a little annoying that we're easily surpassing that and proving that with previous years' reports is not sufficient.

Reasons for Choosing Square Payments

I chose Square over other processing companies I'd explored because Square just had such glowing reviews from friends and fellow business owners. Plus I'm very familiar with Square's ease of use simply from being a customer at local businesses that also use Square for processing.

Reasons for Switching to Square Payments

Ease of use with the terminal itself. Our last terminal was so frustrating to use, for our staff and for clients, that clients were often leaving annoyed and it was effecting our tips as a result. The processing terminal from Square is so fluid and intuitive to use, checkout is done in a snap, receipts are emailed, very no muss no fuss. Square does have higher processing rates, but it's relieved so much stress in my life (having a more comprehensive terminal and having all our programs integrated), it's been so very worth it. I only regret the years I spent using other programs for our online store, appointment booking, POS, and card processing, when I could've saved a lot of headaches by starting with Square for everything.

April 2021

Anonymous

Verified Reviewer

Company Size: 2-10 employees

Time Used: More than 2 years

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Customer support

5.0

Functionality

5.0

April 2021

I Recommend Square to Everyone

First of all, I feel like Square listens to its customers and really wants to understand what features they need and how they need their software to work. They have forums and support and use the information acquired from this to improve their product features regularly.

Pros

Square is a really amazing credit card processing, payment gateway, invoicing, booking, and product inventory management option for small to medium size businesses. The value of everything they provide for your to help run your business, beyond just credit card processing, is unmatched. While you are getting a very competitive processing rate, they offer you all of these other tools to run your business mostly for free. They also integrate with 3rd party applications in case they are missing a feature you need. The booking capability alone is worth the credit card processing fees you're paying.

Cons

There are a few limitations to some of the applications they offer but it's hard to complain because they are free AND they are constantly listening to their customers to make improvements on those applications. They do charge more if you want to keep your customers credit card on file for automatic payment or recurring billing which in my opinion is counter intuitive and unfair to the businesses using them because technically it means more easily processed payments they are making money on and it's not costing them any extra to process a card already on file. You are basically paying extra for the convenience.

Reasons for Choosing Square Payments

Their credit card processing rates are competitive and I haven't found any other option with as many useful features and applications. They also have name recognition and are very small business friendly.

Reasons for Switching to Square Payments

Paypal policies and customer service favor the buyer more than the company that is using them as the credit card processor. Paypal offers very little in the way of applications to help run your business easier.

November 2021

Cora from Accountant

Company Size: 2-10 employees

Industry: Accounting

Time Used: More than 2 years

Review Source: Capterra


Ease-of-use

5.0

Value for money

5.0

Functionality

4.0

November 2021

Square Makes it Easy to get Started

We've had a great experience with Square. That we can get terminals in Staples, can use the dongle, or punch in the numbers, is wonderful. That the approval process was relatively straight forward was also impressive. We've not had to use customer support yet, so can't attest to how easy it is to get something resolved if there are issues.

Pros

We needed a solution to accepting credit card payments, square gave us a quick, easy solution we were able to setup online, get the reports we need to track the sales easily and even allow us to process in person if we need to.

Cons

Figuring out how to access some of the reports, what we are paying in fees and setting up the online store was a bit cumbersome.

Reasons for Switching to Square Payments

Processing fees were high and issue resolution was difficult.

October 2019

User Profile Picture

Bessy from Semantikas

Verified Reviewer

Company Size: 2-10 employees

Industry: Consumer Services

Time Used: Less than 2 years

Review Source: Capterra


Ease-of-use

3.0

Value for money

3.0

Customer support

1.0

Functionality

3.0

October 2019

Square: The Good and Bad

They were my first choice in the beginning, but after the 2 disputes and how bad they handled them, I went back to PayPal. I still keep them for some of my less conventional clients (the ones who don't want to/ or can't follow a link, but rather just give me their info over the phone).

Pros

It's easy to use. Your favorite device becomes your POS which is convenient especially for those of us who do work on the road. You can get instant deposit with an extra fee which is nice.

Cons

I don't like their customer service. You have to pay extra to be able to call their customer service number and even if you do (because I did the trial for premium service), they don't really resolve anything. I also don't like their dispute process. You get very limited time to submit your documentation proving the transaction was valid. Some paperwork takes a while to get from clients. AND...they allowed a couple of clients to dispute charges that were from the year past, which I still don't understand. The worst part of the dispute process is that they'll take the money from your account and then take forever to return it. In both my cases, I had to pay the premium service to be able to talk to customer service, which got me nowhere and then had to email the dispute team with additional information (which you're not supposed to do since they have a form you fill out through the portal). And then, if you have customer who makes purchases for the same amount...you can't do instant deposit because they'll hold the funds to make sure you're not ripping people off even though you've demonstrated to be a credible and reputable business.

Reasons for Choosing Square Payments

Convenience.

Reasons for Switching to Square Payments

Convenience. I wanted instant deposit.