Square Payments

Square Payments

Online payment processing for merchants & vendors

4.7/5 (675 reviews)

Square Payments Overview

Square Payments is an online payment processing solution which integrates with Square hardware and POS software to allow businesses to accept various payment types. Businesses can use Square Payments to make transactions from any location, deposit payments from all major credit cards, send invoices, store payment details for recurring customers, sell through e-commerce platforms, and more through integration with other Square tools and third party applications.

In order to facilitate the acceptance of any type of payment, Square Payments provides tools for managing chip cards, NFC payments, magstripe, remote payments, cash deposits, and more, meaning businesses can offer more flexibility to their customers. Users can integrate with Square’s card reader hardware and POS application to process payments anywhere, and in any way that customers wish to pay. Payments can also be handled remotely by keying in payments even when offline and, utilizing Square hardware, merchants can accept credit cards, NFC payments, gift cards, and more.

Square Payments provides automatic security measures including PCI compliance, chargeback protection, account takeover protection, fraud monitoring and detection, and more, so that both businesses and their customers can rest assured their accounts and data are safe when completing transactions.

Pricing

Starting from
N/A
Pricing options
Free Trial
Subscription
Value for money

Devices

Business size

S
M
L

Markets

Australia, Canada, Japan, United Kingdom, United States

Supported Languages

English

Square Payments Reviews

Overall rating
4.7/5
95% positive reviews
526
Excellent
116
Very good
24
Average
3
Poor
6
Terrible
Cornelia V.

The best in the town ( market )

Used Daily for 2+ years
Reviewed on 2019/09/19
Review Source: Capterra

Very easy and have access to lots of account futures and perks. We have dedicated Android device that work perfect. Very happy with Square POS.

Pros

We are using this software probably 4 years now, without any any problem.
During the time we use different devices and works 100%, without any glitch.
Square support was helping us few times to make the tings right and we are very happy in their professionalism and security of all the system.

Ohh, yea on this days the security is very important in any business when you work with Credit Cards and money. They are on the top of the game.

We try few times other merchants to reduce the fees, but get back to Square for the great service and support.

Cons

Not real any, If the swap fees would be little lower than 2.75% probably will be great. But hay! prefer service and security first. Very important for our clients and us.

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

10.0/10
Adeoye A.

Easy on the go Processor

Used Other for 6-12 months
Reviewed on 2019/09/03
Review Source: Capterra

I really liked Square. It was very easy to use and made things more efficient. Anything I needed to look up took less than a minute to find. I only needed to contact customer service once and they answered almost immediately. It was very new to us, but I don't ever remembering struggling trying to find things. I also really liked that is was online based. A lot of things we used was based off of our server, so you had to be in the office to use it. Square gave us the ability to be able to look up transactions no matter where we were.

Pros

I really liked how easy it was to use and implement. We badly needed to have a way to start accepting debit and credit cards. Square helped make that transition easy. We were able to not only take electronic payments in the Finance office, but the Police station as well. It was very easy to use so even teaching people how to use the software was relatively easy. Also you could figure out things easily by just playing around on the site.

Cons

The only thing I did not like was that there was no option to look at all the departments when it came to transactions and reports. So like if we had 3 departments I could not just look at all the transactions for the day throughout each department. I would have to click the individual department, get what I needed, then repeat it. It made things annoying because it would take a bit longer to record transactions from Square to our accounting software

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

9.0/10
Hank P.

Square - great for small businesses, and not just retail!

Used Monthly for 2+ years
Reviewed on 2019/09/03
Review Source: Capterra

Overall, I love Square. The ability to receive payment from practically anywhere at any time is HUGE for a small business owner. My ability to set up my clients in the address book and add their card on file saves a ton of time. I also like that only the last 4 of their credit card shows up. I do not want the burden of having all that info on file.

Pros

Square is a great solution to a small business who wants to ensure they can be paid easily, regularly and without burdening their clients.

I use it to receive monthly payment for my services for about 30 of my clients and it makes my life and my clients lives easier. Yes, you pay a processing fee, but it is competitive and well worth that small fee to ensure that I get paid. Plus, it only takes me a few minutes to receive payment from all those clients.

Cons

There are some elements of Square that are not as intuitive as they could be. Setting up a clients card on file can be tricky at times, especially if you use the web browser vs. the app. In general, use the app for EVERYTHING you do and you'll be fine.

The other issue I have sometimes is the checkout process. That times a bit of time to get used to and can feel clunky. This should be easier and I believe that Square will do their part to make the updates in time.

The final thing, and this is something that may not impact many people, but I use my headphones a lot. I have to be sure to remember to unplug/disconnect them before opening the Square app. If not, it thinks my headphones are the card reader and hits me with a very loud, old school fax machine connection type sound. A painful experience!

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

10.0/10
Shannon H.

Grow your business quickly

Used Daily for 1+ year
Reviewed on 2019/08/27
Review Source: Capterra

Square eliminated the need for costly card readers from a bank. The invoice feature allowed you to add clients and track when/if an invoice was paid. Overall, Square is an amazing product that is very versatile and a small business hero.

Pros

Square allows you to take secure payments anywhere. No start-up cost and low processing fees. They also offer a desktop ‘register’ that doesn’t require any software to be installed. Square gave us a professional way to take sales in the field because it eliminates the need for cash payments and gives your customers ease-of-mind when dealing with a start-up. It also provides analytics so that you can track the amount of money you have made and compare that to sales during another time-period. The invoice to email feature was also a time-saver.

Cons

The pre-determined processing term for funds to be released. You could utilize the paid-for early processing feature but, as a start-up, this was often out of reach. We used this service to take deposits to order client-specific materials so this additional processing time made it difficult to plan projects on occasion.

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

10.0/10
Jay W.

Taking payment is a breeze with Square, and the integrations are great!

Used Daily for 2+ years
Reviewed on 2019/08/20
Review Source: Capterra

Super easy to use, easy to process refunds and easy to see how you are doing (volume of business and sales averages) all due to some great reporting tools. We moved away simply because we thought we needed to find a real "business" processor -- turns out, Square is a legit business processor which zero mystery fees which makes it easier for us to predict revenue flow. Can be quite frustrating paying a high fee on the majority of your transactions, because the processor smacks you with the "reward card" designation on most transactions. Not an issue with Square, you see the rate and that is the rate you pay, no questions asked.

Pros

We have used many different payment solutions over the years. Most recently we have been using Authorize.net, and while they processed payments just fine, the system is super old and can be frustrating to use. Square is not so, rather they are super easy to use and grow with. Not having to jump through hoops each year to be recertified as PCI compliant (questionnaires and network scans on our end) is really a great bonus we never even knew about before temporarily moving away. We have obviously since moved back and cannot be happier.

Cons

For our photography studio, the biggest drawback was just the taking of the payments, it really didn't feel as professional as it could be when we had to use our phones for large client orders. That has since become an issue in the past as they have so many options now, including the new Square Terminal which we bought and love to death! So really, the biggest flaw we had, has been resolved.

Rating breakdown

Value for Money
Ease of Use
Customer Support

Likelihood to recommend

9.0/10

Square Payments Pricing

Starting from
N/A
Pricing options
Free Trial
Subscription
Value for money

Per swipe/dip/tap: 2.75%
Keyed in: 3.5% + $.15 per transaction
Online & invoices: 2.9% + $.30 per transaction

Custom pricing packages are also available. Contact Square for more information.

Square Payments Features

  • API
  • Electronic Payments
  • Third Party Integration
  • eCommerce Integration

  • Access Control
  • Activity Dashboard
  • Automatic Notifications
  • Content Management
  • Custom Forms
  • Customizable Branding
  • Customizable Templates
  • Data Import/Export
  • Drag & Drop Interface
  • Product Catalog
  • Reporting & Statistics
  • Search Functionality
  • Social Media Integration
  • Template Management
  • Website Management
  • eCommerce Management

Additional information for Square Payments

Key features of Square Payments

  • ACH payment processing
  • API
  • Cash management
  • Cash transactions
  • Client database
  • Contactless NFC
  • Credit card processing
  • Debit card support
  • Direct deposit
  • Electronic payments
  • Electronic signature capture
  • Fraud detection
  • Gift card system
  • In-person payments
  • Invoice management
  • Mobile card reader
  • Mobile payments
  • Offline access
  • Online payments
  • PCI DSS compliance
  • POS integration
  • POS transactions
  • Partial payments
  • Receipt management
  • Receipt printing
  • Sales / order reporting
  • Sales orders
  • Security & encryption
  • Third party integration
  • eCommerce integration

Benefits

  • Integrate with Square Invoices to send invoices from laptops or mobile devices directly to customers’ email inboxes and provide clients with a button to pay online or in person with credit and debit card processing.

  • Ensure payments are processed accurately and securely with automated features such as dispute management, PCI compliance management, fraud monitoring, chargeback protection, and more.

  • Integrate with third party e-commerce platforms such as BigCommerce, Weebly, Wix, WooCommerce, Ecwid, and more through the Square App Marketplace to sell online and process payments.

  • Accept payments from chip credit cards, magstripe, NFC through mobile devices, or remotely by keying in payments from the Square dashboard without the need for a card reader. Businesses can also save cards on file for recurring customers to save time.

  • Utilize the Square Payment Processing APIs to sell online through custom built-in app or website payment solutions, and seamlessly integrate online and offline sales. Benefit from Square features such as reporting, deposit tracking, and more.

  • Square Payments FAQs

    Below are some frequently asked questions for Square Payments.

    Q. What type of pricing plans does Square Payments offer?

    Square Payments offers the following pricing plans:

    Pricing model: Subscription

    Free Trial: Not Available

    Per swipe/dip/tap: 2.75%
    Keyed in: 3.5% + $.15 per transaction
    Online & invoices: 2.9% + $.30 per transaction

    Custom pricing packages are also available. Contact Square for more information.

    Q. What are the main features of Square Payments?

    Square Payments offers the following features:

    • ACH payment processing
    • API
    • Cash management
    • Cash transactions
    • Client database
    • Contactless NFC
    • Credit card processing
    • Debit card support
    • Direct deposit
    • Electronic payments
    • Electronic signature capture
    • Fraud detection
    • Gift card system
    • In-person payments
    • Invoice management
    • Mobile card reader
    • Mobile payments
    • Offline access
    • Online payments
    • PCI DSS compliance
    • POS integration
    • POS transactions
    • Partial payments
    • Receipt management
    • Receipt printing
    • Sales / order reporting
    • Sales orders
    • Security & encryption
    • Third party integration
    • eCommerce integration

    Q. Who are the typical users of Square Payments?

    Square Payments has the following typical customers:

    Large Enterprises, Mid Size Business, Small Business

    Q. What languages does Square Payments support?

    Square Payments supports the following languages:

    English

    Q. What type of pricing plans does Square Payments offer?

    Square Payments has the following pricing plans:

    Subscription

    Q. Does Square Payments support mobile devices?

    We do not have any information about what devices Square Payments supports

    Q. What other apps does Square Payments integrate with?

    Square Payments integrates with the following applications:

    Acuity Scheduling, Bookeo, Brushfire, CounSol.com, Domo, FreshBooks, Glew, Hiveage, MovingPro, Zoho Invoice

    Q. What level of support does Square Payments offer?

    Square Payments offers the following support options:

    Forum, Knowledge Base, Online Support, Phone Support