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They sent me an email at the beginning of 2016 saying that one of my clients had a dispute about a fraud charge with my Square. Credit card companies cause the problem and they blame sellers for it. I’ve never had a single issue with them. At first Square was great, then bam, overnight they took out a four hundred dollar fee for something, and I still have no answer. I was called into a computer repair shop to work on computers the “tech” knew nothing about. Those companies claim to beat Square. I have sent in all my documentation and am now waiting over a week for a response.“To ensure the financial security of both you and your customers, we would like to verify some additional information about your account. A normal company would have fixed this in 10 minutes. We are a new, small, online business that is about to begin taking our product to shows.We wish you the best of luck with your business.”Square…Warranty? As the business owner, I did not have any indication of the transactions on my dashboard. I’m still out my money a month now.I went to their website and there is not even a phone number to call. I only have a handful of transactions that they could have easily seen, yet they still charge my account.Like any merchant service provider, Square has a team of people that monitor transactions looking for fraud and other misuse. Visit Square to create your free account.Square and PayPal are both aggregate payment processors. If you accept a payment between Friday at 5pm through Monday at 5am you will not get your payment right away, and that is the price for accepting credit cards. In this Square review, we’ll explore those pros and cons to help you decide if Square is the right fit for your business.I was thinking about using Square, but I will stay away after reading all negative comments. The Square system was designed around a street vendor mentality, i.e. Square deposits funds into users’ banks accounts using the daily discount method. For businesses with many small transactions, the per-transaction fee can take a big bite of your profits. I have been with square for 7 years. Funds are often held without notice, and Square is notorious for providing little, if any, customer service to keep people informed about the progress of a fraud investigation. Additional registers will cost you $40/month per register.Square labeled me a fraud with NO way to defend myself, and is holding $900 of my money hostage. Square’s processing fees are 2.65% per card present transaction, 2.9% + 30 cents per paid Square Invoice and Online Store sale, 3.4% + 15 cents per manually entered transaction and $0.10 for Interac chip & PIN or tap sales. He later figured it out, called his bank back TWICE to assure them that the charge was legitimate, and paid his American Express bill IN FULL, INCLUDING THE CHARGE FROM MY COMPANY. While PayPal’s POS system is improving, it has a long way to go before it is a reliable alternative to Square’s feature-rich POS system. There are multiple plans for Square Online Store. Two months later and 6 emails sent by me with auto-response only from Square stating, “We are trying to get a hold of his bank, allow 5 weeks.” I gave them 7 1/2 weeks – I’m done! Learn more about Square’s fees and how processing fees are calculated. We started using Square when we opened our business. Just be aware of the pros and cons before signing up based on name recognition. Use Intuit or Amazon, they are both great.We began using Square last fall. A business relies on credit card processing company to make a living.I had a hold on a $10k charge as that was over my “limit” until I called and discussed with them. All credit cards are swiped in the presence of the customer. Square manual - When you sell items in-person using Square that are not synced from your Etsy shop inventory, there is a $0.20 USD fee per transaction. We’ll probably include that in an update.