| TL;DR: Square is popular because it is easy to set up, easy to teach, and flexible enough for shops, market sellers, and service businesses. Complaints are typically related to fees, customer service, account review holds, or slow transfers. Square adjusted its pricing in October 2025. Some of the older reviews below may reference plans/deposit options/rates that newer sellers will not be offered. Square remains a great place to start for many small businesses, but if you’re a seller accepting unusually large deposits or payments, be sure to read some of the bad reviews as well. |
Most days, Square does exactly what a seller expects. The customer pays, the receipt goes out, and the next person steps forward.
That explains the strong ratings on software review sites.
The much lower ratings on complaint platforms tend to come from a different moment. A payout is delayed. An account needs verification. Support cannot give a clear answer. Suddenly, the easy checkout screen is not the part anyone cares about.
Both sets of reviews tell us something useful.
Square Reviews Ratings At A Glance
We checked ratings across three major review platforms on August 5, 2026.
| Review Platform | Rating | Reviews |
|---|---|---|
| Trustpilot | 3.8 out of 5 | 7,417 |
| G2 | 4.6 out of 5 | 1,207 |
| Capterra | 4.6 out of 5 | 3,032 |
| ConsumerAffairs | 1.1 out of 5 | 1,006 |
G2 and Capterra mainly assess Square Point of Sale as business software. Reviews there often discuss setup, checkout, reporting, and daily use. Capterra also gives Square 4.7 out of 5 for ease of use and 4.3 for customer service.
ConsumerAffairs attracts more people dealing with payment problems, refunds, account restrictions, and support cases. Averaging these scores would hide that difference rather than explain it. The repeated comments are more helpful than a single rating.
Square Reviews Before And After October 2025 Are Not The Same
Square changed its pricing on October 6, 2025. The company replaced 18 separate software subscriptions with Square Free, Plus, and Premium.
Square Free costs $0 per location. Plus costs $49 per active location each month, while Premium costs $149 per active location. Standard in-person processing is currently 2.6% + 15¢ on Free, 2.5% + 15¢ on Plus, and 2.4% + 15¢ on Premium. Other rates apply to online, invoice, card-on-file, and manually entered payments.
That change affects how older reviews should be read.
A review from 2024 may still tell you whether Square was easy to learn or useful at a market stall. It is less reliable as evidence of what a new seller will pay in 2026.
Square also provides a way for businesses on older subscriptions to compare their current setup with the new plans. Some long-term sellers may therefore be using a different price and feature structure from a business opening a new account today.
The seller comments below were published in 2026. Where the review platform provides the information, we have included whether the review was organic, incentivized, or non-incentivized.
The reviews have been moderated or validated by the platform publishing them. DPL has not independently verified each seller’s identity or account history.
What Sellers Like About Square
Most positive reviews are not especially dramatic. Sellers like Square because ordinary tasks are easy to get through.
1. New Staff Usually Pick It Up Quickly
A new employee does not need to understand payment processing to complete a basic sale.
The customer chooses items, pays, and the receipt is emailed to them. So it’s clear-cut enough that many businesses will be able to train a staff member to process transactions in a standard shift without having to book an entire day.
Jean R., a director at a small business, says, “Staff can get up to speed quickly.” (G2, current user, validated and incentivized, 5/5, April 30, 2026.)
Jean also liked having payments, inventory, reporting, and customer data in one system. The same review raised processing fees as a concern for businesses with high sales volume or larger transactions.
There are still menus to learn once a business starts changing taxes, permissions, modifiers, or inventory settings. The basic register, though, is not difficult to follow. That matters when the Saturday employee started on Friday.
2. Common Tasks Live In The Same Account
Payments are only one part of Square.
Abbey W., a retail owner and founder who had used Square for more than two years, says, “Square is my hub for just about everything.” (Capterra, non-incentivized, 5/5, January 24, 2026.)
Abbey’s review mentions invoicing, payment processing, marketing features, reports, and Square’s support community. She also complained that fees had risen over the years.
The account can hold products, stock counts, customer details, invoices, online orders, bookings, and sales reports. A business may use only a few of those tools, but they are not scattered across six different logins.
It saves some of the small jobs that usually end up on a spreadsheet. Not all of them, of course. Spreadsheets have a way of surviving every software purchase.
3. Selling Away From The Counter Is Simple
Square has always made sense for businesses that move around.
Market vendors use it from a phone or tablet. So do photographers, mobile service providers, event sellers, and pop-up shops. There is no need to recreate a full checkout counter every time the business changes location.
Amber B., a customer service representative at a small business, says Square lets her “take various payments on demand.” (G2, current user, validated and incentivized, 4/5, April 21, 2026.)
Amber used Square via a phone or tablet, and when Tap to Pay faltered in a pop-up setup, she typed the details of the card manually.
Manual entry has a higher processing rate than a normal tap, dip, or swipe payment. It can still be useful when the card reader or contactless payment decides not to cooperate.
A seller may not need separate hardware at the beginning either. Square supports invoices, payment links, Virtual Terminal, and Tap to Pay on compatible phones.
That makes it easier to try the system before buying a reader, stand, or countertop register.
4. It Does Not Demand A Large Starting Budget
Square Free has no monthly software subscription. The seller normally pays a processing fee when accepting a card or another eligible electronic payment.
Shawn H., a lead therapist and business owner who had used Square for one to two years, says he previously paid for “services that are free with Square.” (Capterra, non-incentivized, 4/5, May 13, 2026.)
Shawn had been using a separate booking and checkout service. He liked the all-in-one nature for checkout, payments, communication with customers, and even a basic website builder. His main complaint was the learning curve during setup.
That setup works well for a new shop, a seasonal business, or someone who sells only a few weekends each month. There is less pressure to justify a software bill during a quiet period. Seasonal Square inventory gets harder when quiet months turn into sudden stock spikes, returns, damaged items, or leftover products
The word “free” needs some context, though. There may be no monthly software charge, but card processing, hardware, paid plans, and optional services can still cost money. Cash and check payments recorded in Square do not have a processing fee.
What Square Sellers Complain About
The complaints usually begin where the simple checkout story ends.
A growing business looks more closely at fees. A seller needs support for something that cannot be fixed in the settings menu. A transfer is reviewed. These are the points where Square reviews become less comfortable.
1. The Fees Can Feel Different Once Sales Grow
Flat-rate processing is easy to understand. The same pricing model can become less appealing after the business starts putting serious volume through it.
Some sellers are happy to pay for convenience. They do not want monthly processor statements that look like they were designed as a puzzle.
Others eventually calculate the yearly total and start comparing rates.
Christine B., a Pilates professional who had used Square for more than two years, says, “I disliked the merchant processing fees.” (Capterra, incentivized, 4/5, March 27, 2026.)
Christine liked being able to accept payments at gyms, Pilates studios, and pop-up workshops. Her complaint was the amount taken from those payments.
The review does not identify her Square plan, average sale, or mix of in-person and remote payments. It should not be treated as a current price quote for every seller.
A tapped card, an online invoice, and a manually entered payment do not use the same rate. Some long-term sellers may also still be comparing Square with an older subscription or fee structure.
G2 lists cost and high fees among the recurring negative themes in Square reviews. Square invites businesses processing more than $250,000 a year to ask about custom pricing, which is worth doing before assuming the standard rate is fixed forever.
The question is whether Square is cheap overall; it’s whether the rate still feels right given how her business processes transactions.
2. Support Experiences Are Uneven
Alysa F., a manager at a small business, says, “Support is quick to help.” (G2, current user, validated and incentivized, 5/5, April 22, 2026.)
This relates to the support that Square offered during the early stages of set-up. “The features to manage inventory, set up the products, and run payments at the farmer’s market were all so intuitive,” says Alysa.
Director C., an executive director at a small nonprofit, says they often “wait hours on the phone.” (G2, current user, validated and organic, 2.5/5, March 26, 2026.)
The review describes technical problems that sometimes took several days to clear up, with little explanation afterward.
The two comments are not as contradictory as they first look. Help with initial setup is one kind of support case. A problem involving accounting data, product variations, or an unexplained technical issue is another.
Basic issues are usually easier. A misplaced setting can be found. A device can be reconnected. Account restrictions and payment cases are harder because the person answering may not control the final decision.
Support access also varies by subscription. Premium includes 24/7 phone support, while sellers on other plans should check the support attached to their subscription.
Businesses that trade mainly during evenings or weekends should check this before a problem lands during a packed Saturday shift.
3. Account Reviews Can Interrupt Transfers
This is the complaint with the effect on a seller’s day-to-day business.
Square monitors transactions and may ask for more information when activity looks unusual. Transfers can be paused while the account or payment is reviewed.
Square monitors transactions. May ask for more information when activity looks unusual. Transfers can be paused while the account or payment is reviewed.
Square says it usually completes these reviews within one business day. Transfers remain suspended when the seller still needs to provide requested documents or account information.
For the seller, even a short delay can matter. Stock orders, wages, rent, and supplier payments do not pause themselves while a processor checks a transaction.
Cindie in Paonia, Colorado, says, “Square is holding over $16,000 for potential fraud.” (ConsumerAffairs, July 6, 2026.)
Her review says the missing transfer affected employee pay, stock purchases, and checks written from the business account.
This is one seller’s account, not evidence that the same outcome is common across Square. The post also does not include Square’s side of the case.
It does show what is at stake when one happens.
Businesses taking large deposits or charging well before delivery should keep contracts, invoices, delivery records, and customer messages in order. Digging through an inbox for proof after a transfer stops is the wrong time to build a filing system.
4. Growing Businesses May Start Feeling Boxed In
A store can get everything it needs from Square.
When a business starts to get bigger, like adding more stores, making a big list of products, or needing special rules for employees and custom reports, it can get really tough to manage with Square.
Growing businesses, like these, may start to feel like they are running out of space with Square.
Director C.’s review gives a specific example. The nonprofit liked Square’s inventory tools and payment links but found its integrations too limited for the organization’s workflow.
The reviewer said that the QuickBooks connection didn’t split sales from nontaxable sales the way the organization wanted. The WooCommerce setup also didn’t manage the needed product variations. The Zapier connection didn’t send fields.
That does not mean every business will have the same problem. It means an integration logo does not tell you whether the exact fields and product setup you need will work. For Shopify sellers using Square in person, a Shopify Square integration only helps when it keeps the right products, inventory, orders, customers, locations, and gift cards aligned.
Sometimes the issue is not one major missing feature. It is a workaround repeated across hundreds of products or several locations.
A task that takes five minutes in one shop can become someone’s morning routine in six shops.
That does not mean a growing business must leave Square. It does mean the original decision should be reviewed instead of treated as permanent.
Why Square Reviews Vary So Much
Square is both the tool at the counter and the company moving the money.
Those parts of the service create very different reviews.
A cashier may use the POS for a year without trouble. The buttons make sense, payments go through, and reports are easy enough to find. That seller may leave four or five stars.
Another business may run into a payout review after a large transaction. Its experience will be judged almost entirely by how quickly the money is released and how clearly support explains the process.
The website collecting the review also changes what we see. G2 and Capterra focus on software use. ConsumerAffairs receives more complaints about accounts, billing, and payouts.
Square’s own testimonials are selected success stories, so they should not be treated as an independent rating source.
Review dates matter too. Comments about ease of use may remain relevant for years. Comments about prices, included features, processing rates, and support access need to be checked against the plan the seller used.
Look for reviews that resemble your own business.
A craft seller at weekend markets needs dependable mobile checkout. A contractor collecting a large upfront deposit has a different risk. The same five-star review may not help both of them.
Who Square Is Likely To Suit
Square makes the most sense when the business wants a low-commitment start and does not need unusual payment or inventory workflows.
A local shop, mobile service provider, pop-up seller, or small appointment business may find that the register and payment tools cover the important work without much setup.
It becomes a less automatic choice for a business with:
- Large or irregular transaction amounts
- Deposits taken far ahead of delivery
- Several locations with detailed inventory rules
- Complex staff permissions
- Specialist reporting or integration requirements
- Little room for a temporary delay in transfers
None of those points means Square cannot work. They are reasons to test more than the checkout screen.
Compare Square With Other Platforms
Square reviews show how sellers feel about the product after using it. A comparison page helps when the question is not “Is Square good?” but “Is Square the right fit against another tool?”
- Square vs PayPal covers the payment-choice side of the decision: POS, online checkout, PayPal, Venmo, Pay Later, hardware, and payout timing.
- Square vs Stripe is closer to the online-payment question, especially for sellers thinking about custom checkout, subscriptions, developer control, or payment infrastructure.
- Square vs Clover fits businesses comparing POS hardware, merchant agreements, contracts, checkout devices, and daily counter workflows.
- Square vs Lightspeed fits retailers whose main concern is inventory depth, purchasing, suppliers, serial numbers, landed costs, and multi-store stock work.
- Square vs Squarespace fits businesses deciding whether Square’s website tools are enough or whether a design-first website builder makes more sense.
- Square Online vs Shopify fits sellers deciding whether Square’s online store can support ecommerce or whether Shopify should run the storefront. If Shopify already runs the online store while Square remains the POS, connecting Shopify and Square can keep the two systems working together.
FAQs About Square Reviews
Is Square good for small businesses?
Yes. The free software plan, simple register, and short learning curve suit many small businesses.
The fit still depends on payment volume, transaction type, inventory needs, and how much the business depends on Square for access to working cash.
Why are some Square reviews so negative?
The most negative reviews often involve delayed transfers, account restrictions, disputes, refunds, or support. These problems are not part of every seller’s experience, but they can be serious when they occur.
Can Square hold a seller’s funds?
Square can pause transfers while checking an account or transaction. It says reviews usually take less than one business day after the seller provides the requested documents.
Does Square require a contract?
Square Free does not require a paid monthly software subscription. Plus and Premium can be changed or canceled. Hardware financing and added services may have separate terms.
Do you need Square hardware to accept payments?
No. Sellers can accept payments through invoices, payment links, Virtual Terminal, or Tap to Pay on a compatible phone. Hardware is useful for other checkout setups, but it is not required in every case.
Conclusion: Is Square Worth It In 2026?
For many small businesses, yes.
Square is easy to start with, and that ease continues into ordinary daily use. Staff can learn the register quickly. A mobile vendor doesn’t need to feel tied down by a counter, with payments, initial inventory records, customer logs, and various report documents conveniently residing together.
The harder questions concern what happens after the payment. These expenses become very apparent in sync with sales volume, inconsistent service, as well as a riskier account overview, which could pause your ability to use money that was previously scheduled.
The 2025 pricing change also makes older fee advice less dependable. New sellers should compare the current Free, Plus, and Premium plans. Existing sellers should check Pricing & subscriptions in Square Dashboard to see whether they are using a new or legacy subscription.
A business with predictable sales and fairly simple operations is likely to understand why Square receives so many positive reviews. Anyone taking large deposits, fulfilling orders weeks later, or managing a complicated multi-location setup should give the complaint pages equal attention before making a decision.
Resources to check for real-time reviews: