Expert Review

Customer reviews

Square Review

168 reviews
168 people say

Ease of use

Brand satisfaction

Value for money

Service quality

Top10.com StaffByTop10.com StaffJan. 10, 2019

In a Nutshell

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.

pros

  • Works for any sized business
  • No monthly or hidden fees

cons

  • Rates increase for keyed-in transactions
  • Complicated tech support

Square Square Visit Site

Square Merchant Services Review

Features

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.

Service Ideal For

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.


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.

Pricing

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
None
None
None

Credit Card Fees—Retail:

Average Discount Rate
Retail Transaction Fee
Equipment Cost
1.69% - 2.75%
None
Free

Online Account Fees—No Card Present:

Online Discount Rate
Gateway Transaction Fee
Address Verification Fee
2.52% - 3.75%
None
None

Square Square Visit Site

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.

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. 

Top10.com StaffByTop10.com StaffOct. 22, 2019
Our editorial staff is comprised of writers who are knowledgeable about financial services. We specialize in simplifying the process of choosing the right merchant service for your needs.

Square customer reviews

Based on 168 reviews

Ease of use

Brand satisfaction

Value for money

Service quality

Top reviews

A**x, SC
19 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

Always accurate and quick with the transactions, easy to work with, never had a problem with funds or connectability

P***y, MN
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square is easy to use when not in the office. Also it has a great value for the money. I wish more small retailers would use it.

S***K, CA
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

One of the best services I've ever used in my current or previous business experiences. It's extremely easy to use, easy to upgrade, easy to customize, easy reporting and dashboard. Great Product!

M*****l, OH
4 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

They allow me to conduct transactions at an affordable price, plus the system itself is very easy to use.

M*****e, WA
4 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

I found it very reliable and useful while managing the restaurant I worked for. It was easy to use.

C***o, OR
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Very cheap fees and great technology. Square is very helpful in keeping my business running.

E***D, TX
10 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

They are not the only best brand offered in class but they come at a cheap, cost-effective price.

B********e, FL
4 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square I have been using since they started. Value way outweigh cost. Which is quite minimum. Compact can take anywhere. My customers very familiar with square

J***s, CA
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

It got what it needed to do with just my phone number and email address. It was very easy to use.

C***y, AL
4 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square allows businesses and individuals to easily accept credit card payments. Their surcharge is much lower than other companies-my husband has used in the past, and we have been very satisfied with the quick deposits and ease of use. It is also very easy to access detailed information about transactions.

M***a, LA
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Fess are reasonable. The set up was easy and the customer service representative was very helpful.

K*y, GA
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

I was able to use the square at my business with little to no extra fees and charges. It was easy.

B********e, FL
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square I have been using since they started. Value way outweigh cost. Which is quite minimum. Compact can take anywhere. My customers very familiar with square

J******r, FL
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

The best POS for on the go. Great rates and promotions.

A****y, NC
13 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square is very nice to have for convenience and it doesn't take a lot of time to set it up. My customers like that I can take cards considering almost nobody pays cash anymore and Square only takes a small fee.

A****y, NC
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square is very nice to have for convenience and it doesn't take a lot of time to set it up. My customers like that I can take cards considering almost nobody pays cash anymore and Square only takes a small fee.

M*l, MN
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

I just am very satisfied with Square. They are amazing and easy to use. I have never had any problems using them at our job. Very professional.

S***K, CA
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

One of the best services I've ever used in my current or previous business experiences. It's extremely easy to use, easy to upgrade, easy to customize, easy reporting and dashboard. Great Product!

M*****l, OH
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

They allow me to conduct transactions at an affordable price, plus the system itself is very easy to use.

M***a, LA
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Fess are reasonable. The set up was easy and the customer service representative was very helpful.

A**x, SC
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Always accurate and quick with the transactions, easy to work with, never had a problem with funds or connectability

C***y, AL
15 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square allows businesses and individuals to easily accept credit card payments. Their surcharge is much lower than other companies-my husband has used in the past, and we have been very satisfied with the quick deposits and ease of use. It is also very easy to access detailed information about transactions.

P***y, MN
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square is easy to use when not in the office. Also it has a great value for the money. I wish more small retailers would use it.

J*****n, AL
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

For only requiring an iPad, Square is impressive with the service it completes. It is easy for transactions to be competed and its POS system can be learned in under a day.

M****e, IL
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Super easy to use. Very simple and clean design of the app, website, and actual product. Helpful.

M**s, TX
17 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

Because I've only ever experienced such good things from it. It's really easy to use and if I take a break from selling things it doesn't charge me.

M*****e, WA
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

I found it very reliable and useful while managing the restaurant I worked for. It was easy to use.

M*l, MN
7 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

I highly recommend Square. Easy to use, very professional, and overall very awesome. I love using them and will continue to use them for a long time.

K*y, GA
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

I was able to use the square at my business with little to no extra fees and charges. It was easy.

J***s, CA
4 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

It got what it needed to do with just my phone number and email address. It was very easy to use.

M*x, CA
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Easy mechanism for credit card processing and short turn-around time to wait for commission payments to hit checking account

J******r, FL
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

The best POS for on the go. Great rates and promotions.

E***D, TX
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

They are not the only best brand offered in class but they come at a cheap, cost-effective price.

G****n, CA
4 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Easy to use. Widely accepted. Policies and procedures are transparent and easy to understand.

C***o, OR
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Very cheap fees and great technology. Square is very helpful in keeping my business running.

M*****e, WA
3 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

I enjoyed using the Square app for my work as manager of a restaurant. It was very reliable and easy to use.

D***n, MD
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square is great. I have had no issues. They are low cost and function very well. The functionality of their app is great. Only wish the chip card reader was free

M*l, MN
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

I just am very satisfied with Square. They are amazing and easy to use. I have never had any problems using them at our job. Very professional.

M**s, TX
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Because I've only ever experienced such good things from it. It's really easy to use and if I take a break from selling things it doesn't charge me.

M*****e, WA
4 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

I enjoyed using the Square app for my work as manager of a restaurant. It was very reliable and easy to use.

M****e, IL
7 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

Super easy to use. Very simple and clean design of the app, website, and actual product. Helpful.

M*l, MN
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

I highly recommend Square. Easy to use, very professional, and overall very awesome. I love using them and will continue to use them for a long time.

M*x, CA
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Easy mechanism for credit card processing and short turn-around time to wait for commission payments to hit checking account

G****n, CA
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Easy to use. Widely accepted. Policies and procedures are transparent and easy to understand.

M**s, TX
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Because I've only ever experienced such good things from it. It's really easy to use and if I take a break from selling things it doesn't charge me.

G****n, CA
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Easy to use. Widely accepted. Policies and procedures are transparent and easy to understand.

D***n, MD
5 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square is great. I have had no issues. They are low cost and function very well. The functionality of their app is great. Only wish the chip card reader was free

C***o, OR
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Very cheap fees and great technology. Square is very helpful in keeping my business running.

M*****e, WA
12 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

I enjoyed using the Square app for my work as manager of a restaurant. It was very reliable and easy to use.

J*****n, AL
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

For only requiring an iPad, Square is impressive with the service it completes. It is easy for transactions to be competed and its POS system can be learned in under a day.

D***n, MD
3 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square is great. I have had no issues. They are low cost and function very well. The functionality of their app is great. Only wish the chip card reader was free

J*****n, AL
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

For only requiring an iPad, Square is impressive with the service it completes. It is easy for transactions to be competed and its POS system can be learned in under a day.

M****e, IL
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Super easy to use. Very simple and clean design of the app, website, and actual product. Helpful.

M*x, CA
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Easy mechanism for credit card processing and short turn-around time to wait for commission payments to hit checking account

M***a, LA
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Fess are reasonable. The set up was easy and the customer service representative was very helpful.

M*l, MN
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

I highly recommend Square. Easy to use, very professional, and overall very awesome. I love using them and will continue to use them for a long time.

M*****l, OH
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

They allow me to conduct transactions at an affordable price, plus the system itself is very easy to use.

J******r, FL
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

The best POS for on the go. Great rates and promotions.

M*l, MN
3 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

I just am very satisfied with Square. They are amazing and easy to use. I have never had any problems using them at our job. Very professional.

C***y, AL
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square allows businesses and individuals to easily accept credit card payments. Their surcharge is much lower than other companies-my husband has used in the past, and we have been very satisfied with the quick deposits and ease of use. It is also very easy to access detailed information about transactions.

S***K, CA
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

One of the best services I've ever used in my current or previous business experiences. It's extremely easy to use, easy to upgrade, easy to customize, easy reporting and dashboard. Great Product!

J***s, CA
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

It got what it needed to do with just my phone number and email address. It was very easy to use.

A**x, SC
4 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Always accurate and quick with the transactions, easy to work with, never had a problem with funds or connectability

M*****e, WA
7 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

I found it very reliable and useful while managing the restaurant I worked for. It was easy to use.

E***D, TX
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

They are not the only best brand offered in class but they come at a cheap, cost-effective price.

P***y, MN
15 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square is easy to use when not in the office. Also it has a great value for the money. I wish more small retailers would use it.

A****y, NC
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square is very nice to have for convenience and it doesn't take a lot of time to set it up. My customers like that I can take cards considering almost nobody pays cash anymore and Square only takes a small fee.

B********e, FL
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square I have been using since they started. Value way outweigh cost. Which is quite minimum. Compact can take anywhere. My customers very familiar with square

K*y, GA
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

I was able to use the square at my business with little to no extra fees and charges. It was easy.

J***R, IL
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

It stores the customer email associated with the card used saving me time. I like this feature.

R**k, MO
6 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

It does good and is cheaper than other software products and marking software programs.

T***E, CA
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

They are easy to use. Very inexpensive and have always been very responsive. I like ease of use best.

D***d, NY
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

It makes payment for goods and services so easy. I think that this service will become commonplace in the near future.

T***E, CA
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

They are easy to use. Very inexpensive and have always been very responsive. I like ease of use best.

D***d, NY
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

It makes payment for goods and services so easy. I think that this service will become commonplace in the near future.

D***Y, MO
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square device is relatively easy to use; signature line is unreadable, basically useless.

M****o, NC
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Inexpensive and it works- transaction fee only and no monthly fees - the chip reader is easy to use - I wish the device would hold a longer charge.

T***E, CA
2 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

They are easy to use. Very inexpensive and have always been very responsive. I like ease of use best.

D***Y, MO
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square device is relatively easy to use; signature line is unreadable, basically useless.

R**k, MO
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

It does good and is cheaper than other software products and marking software programs.

J***R, IL
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

It stores the customer email associated with the card used saving me time. I like this feature.

M***y, NM
4 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Overall Square works very well. My one complaint is having to sign in at unexpected times, even when I haven't signed out, before being able to run a charge for a customer.

M****o, NC
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Inexpensive and it works- transaction fee only and no monthly fees - the chip reader is easy to use - I wish the device would hold a longer charge.

M***y, NM
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Overall Square works very well. My one complaint is having to sign in at unexpected times, even when I haven't signed out, before being able to run a charge for a customer.

R**k, MO
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

It does good and is cheaper than other software products and marking software programs.

D***Y, MO
23 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

Square device is relatively easy to use; signature line is unreadable, basically useless.

M***y, NM
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Overall Square works very well. My one complaint is having to sign in at unexpected times, even when I haven't signed out, before being able to run a charge for a customer.

M****o, NC
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

Inexpensive and it works- transaction fee only and no monthly fees - the chip reader is easy to use - I wish the device would hold a longer charge.

J***R, IL
2 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

It stores the customer email associated with the card used saving me time. I like this feature.

D***d, NY
4 months ago

Ease of use

Brand satisfaction

Value for money

Service quality

It makes payment for goods and services so easy. I think that this service will become commonplace in the near future.

J**z, MS
6 days ago

Ease of use

Brand satisfaction

Value for money

Service quality

Easy for every day use, fast pay, early pay day. Way to check clocks and payout for all employees

P******s, CA
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Not sure about the product features but certainly feels it has some good products that I am looking for

K***, PA
a month ago

Ease of use

Brand satisfaction

Value for money

Service quality

Good service and fast set up. It is better than the others that I have tried.

P******s, CA
3 months ago

Ease of use

Brand satisfaction

Value for money

Service quality