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Square Review (2024)

Sleek payment processing terminals for any business
By StaffBy Staff -
Last Updated: Jan 02, 2024
4,352 reviews
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Contract length
No contract
Free equipment

Is Square Worth Signing Up For?

Prioritizing ease and simplicity, Square’s focus on mobile devices made it a huge hit in the current economic climate, where modern processes and online devices are the main focus. Its pricing model is also straightforward with an intuitive interface. It takes little time to set up and you can be up and running within days. Square itself also has an A+ rating from the BBB, no mean feat for a company less than 5 years old.

Contract length
No contract
Free equipment

Square at a Glance

Editorial Score

Low Rates

Per transaction rate: In person at 2.6%, online at 2.9%, invoice at 3.3%, manual at 3.5%

Low Fees

Per transaction rate: In person at 10 cents, online at 30 cents, invoice at 30 cents, manual at 15 cents

Payment Services

Contactless, virtual terminal, POS, mobile payments, chip and PIN payments, remote and buy now, pay later

Additional Benefits

Online ordering, connected hardware, integrated tools, PCI compliance, chargeback assistance, and real-time reporting

Customer Support

Available Monday – Friday from 6 am to 6 pm PST 1 (855) 700-6000, email or livechat. Callback option available

Square Pros & Cons


Works for small and medium-sized businesses
Companies with online e-commerce operations
No monthly or hidden fees


Rates increase for keyed-in transactions
Complicated tech support

Top Square Reviews

George Luz Jr.
Very pleasant experience with the staff…
Very pleasant experience with the staff with my technical challenges. This is my first so you don't know what you don't know. But they do know! Thank you.
Nesha Crump
Very helpful and easy going platform so…
Very helpful and easy going platform so far so good
See all Square reviews

How do I know I can trust this Square review? authors, contributors, and editors are serious about research. We combine our own experience with the services we recommend, with reviews that come from verified users–just like you! Together, with reviews from industry experts, we find the Top 10 best products and services to make sure you can choose with confidence and ease.

Square Square Visit Site


Through the pioneering of its intuitive Square Reader, it's clear that this company is targeting the more tech-savvy retailers. Whether this means businesses that trade primarily online or on-the-go, or traditional brick and mortar businesses which just want to offer their customers more ways to pay—Square provides a stylish solution. Businesses must have either an Apple or Android device and the rates are friendliest to those with a maximum $400 per transaction and $21,000 per month. That's not to say that large corporations cannot use Square, just that the swipe rates will increase.

How Square Works

Signup Process

In-keeping with its favour toward smaller and younger businesses, single users of Square are not required to submit themselves for a credit check. Business accounts will be required to have a passable credit score, but the boundaries are still very friendly. Signing up is as simple as contacting the company and providing some information, with the only remaining step to download the Square app and purchasing the Square Reader. Once linked to your bank account, you can begin to take payments immediately.


Square’s original products catered to small businesses only, but recently has expanded its products and caters to any sized business.

Undoubtedly the most famous and recognizable feature of Square is its flagship merchant services device—Square Reader. With the same connection as your standard set of earphones, this miniature device connects to your smartphone or tablet; turning it into a merchant service for processing card payments. All that is required is the Reader and the Square app, the encrypted connection via a simple 3mm audio jack will enable the payments.

Along with this functionality, there are more apps which further increase the ability of the Square Reader. These include Register and Wallet, which offer analytics and stored fund payments respectively. Market is also another app recently released, which lets businesses design their own storefronts and offer an online payment option. Included within any Square service are business management tools, ranging from inventory management to customer loyalty programs and more.

Ease of Use

There isn't a more simple or easy-to-use method of accepting card payments. Square's merchant services are all intuitive, revolutionary and fantastically user-friendly. Low pricing and a focus on small businesses is earning Square a sterling reputation, furthered by the excellent customer support available via email and social media. As one of the very best merchant services providers currently on the market, we expect the company to keep growing and improving.

Square Pricing

Pricing & Special Offers

As mentioned, pricing is at its friendliest for businesses with a transaction/monthly charges of less than $400/$21,000. There are 2 fee structures from Square, a monthly price or a per-swipe price. The monthly charge is unique in the industry, charging $275 per month without any processing fees. Paying per-swipe will set you back 2.75% per swipe, dip or tap, both options are without contract.

Monthly Statement Fee

Monthly Minimum

Monthly Gateway Fee

Set Up Fees

$0 or $275




Credit Card Fees—Retail:

Average Discount Rate

Retail Transaction Fee

Equipment Cost

1.69% - 2.75%



Online Account Fees—No Card Present:

Online Discount Rate

Gateway Transaction Fee

Address Verification Fee

2.52% - 3.75%




Bottom Line

Square is a revolutionary merchant services provider, revolutionizing the industry with its start-up tech culture. Taking the market by storm, this young company only founded in 2009 has radicalized the way that we accept credit card payments, and is ideal for businesses of all sizes. The company differentiates itself from traditional payment alternatives like banks or independent sales organizations by eliminating long term contracts, thus meaning no long-term commitments and no termination fees.'s editorial staff is a professional team of editors and writers with dozens of years of experience covering consumer, financial and business products and services.

Square reviews

Great • Reviews 4,352
Sort by
George Luz Jr.
4 days ago
Very pleasant experience with the staff…
Very pleasant experience with the staff with my technical challenges. This is my first so you don't know what you don't know. But they do know! Thank you.
5 days ago
Nesha Crump
6 days ago
Very helpful and easy going platform so…
Very helpful and easy going platform so far so good
CFO Enrollment
1 week ago
Efficient resolution.
I was very impressed with customer service administered by the Square Representatives. I am older. I remember a time talking to telephone operators and customer service determined whether you will have repeat customer. We provided that what was necessary and Square's representatives did the rest. The did settle in our favor. But, let me be clear that is not why we write this review. Soft skills is the new gold standards. Next was, how efficient the process to resolution. We recommend Square to clients.

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