Square Payments

Pros

It's easy to set up and has a ton of neat features. If you need just a simple way to charge clients in person or invoice it's perfect. If you need to track sales data and customer rewards, it has that too. You can do as much or as little with it as you need.

Cons

The app can be hard to navigate at first. I had trouble with quickly clearing items off. These are minor things that weren't deal breakers. You quickly learn how to get things going once you run a few payments.

Pros

Ease of use, quick payment turn around, helpful support and integration with other software are just a few of the pros.

Cons

There was a recent rate increase that initially concerned me but I was able to find a satisfactory rate by working with my Square Account Manager.

Pros

I recommend Square to all my clients when starting their businesses. I've enjoyed the ease of the reporting tools inside the software, the ability to quickly update pricing and invoices, and how the system tracks my income.

Cons

The only thing that I wish could be updated in this software are reoccurring payments. The end user has to allow the card to be kept on file to start the reoccurring payments which has required me to chase down clients for subscription-based sales.

I've also been frustrated with how Square tracks non-pay-in-full sales and distributes the money earned to the month when the invoice is finally paid in full, which is annoying for my personal monthly income bookkeeping, making it look like some months I've brought in no money on the reports.

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.

Pros

I really like that I can sell eGiftcards through the Square software so my clients can purchase via a link from my website without having to contact me. Also, that Square is compatible and completely integrated with my booking software (MassageBook).

Cons

The recent change in fees has been a bit confusing. I don't think overall there has been much of a change in what I'm paying, but I have had to pay more attention to the fee part of the transaction as it is no longer as straightforward as it previously was.