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Square Payments

Square Payments

Flexible, reliable payment processing built for your business.

#1 dans Payment Gateway
2 czas czytania · Zaktualizowano 10/5/2025
Zrzut ekranu strony głównej Square Payments

At a glance

Quick overview for Square Payments: rating, pricing summary, key features, and highlights.

Recenzja Ciroapp

4.3
Transparent Payments, Essential Small Business Tools

We find Square Payments provides robust, transparent processing designed perfectly for flexible operations. The usage-based model is simple, integrating comprehensive security and management features seamlessly across in-person and online sales. Overall, we recommend Square for its excellent ease of use and consistent reliability in fund transfers.

Zalety

  • Pro:Extremely user-friendly software and intuitive mobile app interface.
  • Pro:Reliable and consistent fund transfers with options for fast deposits.
  • Pro:Clear, transparent usage-based processing rates with no hidden fees.
  • Pro:Ability to accept all modern payment methods easily (tap, card, Apple Pay, Afterpay).

Wady

  • Con:Processing fees are reported as high compared to some industry competitors.
  • Con:Customer support quality and responsiveness can be inconsistent.
  • Con:Not ideally suited for managing very large or complex inventory lists.
  • Con:Initial bank account verification can sometimes take several days.
Zakres: 1% min $1 – 6% + 30¢ per transactionFree plan, Usage-based pricing, Quote based
This section is a summary. Detailed sections about features, use cases, pricing, and reviews follow below.
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Przeczytaj pełną recenzję

Recenzja Square Payments, ceny, funkcje, zalety i wady

Tired of rigid contracts and unexpected fees? Square Payments offers a robust solution for accepting money, no matter how you sell. You get flexible, reliable payment methods and instant access to your sales revenue.

This means less worry and more time focusing on your business. ✨

Czym jest Square Payments?

Square Payments is your complete system for managing transactions everywhere customers shop. It handles the financial highway that securely moves money from the buyer to your bank account. Square is built to support businesses of all sizes, offering flexible tools that adapt right along with you.

You can take payments in person using dedicated hardware or simply use Tap to Pay on your iPhone or Android device. Selling online is easy too, whether through a free store, payment links, or integrated APIs. 💡

Square Payments Kluczowe funkcje

✨ Flexible Selling Wherever You Are

Square is built to support your business, offering total flexibility in how you accept money. Whether you primarily sell face-to-face, online, or need to manage remote billing, you're covered. This means you can use one robust system to easily manage all your diverse sales channels.

For in-person sales, you can utilize our dedicated hardware like the Square Terminal or a simple portable Reader. You can also accept payments with just your phone using Tap to Pay technology. If you sell goods online, you can set up a free store or connect your existing platform using a trusted payment API.

Remote sales are also simple to execute. You can send invoices that customers can pay with a credit card or a low-rate ACH bank transfer. For phone orders, you can key in card information using the Square Virtual Terminal or the mobile app. This wide flexibility streamlines operations and helps you capture every possible sale.

✨ Mobile Payments Made Simple with Tap to Pay

Square makes it easy to accept contactless payments without requiring any additional hardware. With Tap to Pay on either iPhone or Android, your mobile phone instantly becomes a secure payment device. This feature offers outstanding portability for businesses constantly on the move.

During checkout in the Square app, you simply select the Tap to Pay option. The customer then taps their card or their preferred contactless payment method directly onto your phone. It’s a solution that feels fast, efficient, and immediately familiar to most customers.

This technology allows you to accept card taps and digital wallet payments using the device you already use every day. It's a low-cost, convenient solution perfect for mobile service providers, pop-up events, or any business needing maximum mobility.

✨ Getting Your Money Fast for Better Cash Flow

Accessing your sales revenue quickly is crucial for managing your daily business operations. Square provides reliable and speedy transfers for all accepted payments. You receive your funds the next business day with our complimentary standard bank transfers.

Fund access is maximized when you use our Square Checking account. If you hold one, you get instant access to your sales revenue immediately after the payment processes. This means there's virtually zero waiting time for your business funds to arrive.

You can also opt for instant transfers for a small fee if you need the money sooner than the next business day. This flexibility gives you complete control over your cash flow. Square ensures the financial highway reliably moves money from your customer right into your business account. ✨

✨ Built-in Security and Compliance You Can Trust

Security is fully integrated into every single Square transaction, providing both you and your customers with peace of mind. We handle the complex compliance requirements so you can concentrate on growing your business effectively. Security features are built into the core payment processing system itself.

Square constantly monitors your account for suspicious activity and follows all necessary industry requirements. Every accepted payment includes critical fraud protection automatically. Square guarantees end-to-end encrypted payments and built-in PCI compliance for all transactions.

Square also provides valuable free dispute management services. We cover the fee for every payment dispute fight undertaken on your behalf. This comprehensive security structure protects your data and safeguards your financial standing efficiently.

✨ Reliability Even When the Internet Fails

We understand that losing Wi-Fi or service shouldn't result in losing a sale. Square offers a robust Accept Payments Offline capability to keep your operations running smoothly. You can continue ringing up sales and accepting payments even if the internet connection is temporarily interrupted.

When you use offline mode, Square securely stores the completed transactions and receipts instantly. These payments are then processed automatically the moment your device reconnects to the network.

This capability ensures your customers always experience a reliable, uninterrupted checkout process. Note that Square will store these offline payments securely for up to 24 hours until processing can be completed. ✅

✨ Accepting All the Ways Customers Want to Pay

Square ensures you can accept nearly every payment method your customer might prefer. This broad acceptance removes friction at the point of sale and helps you maximize your potential revenue. You can accept all major credit and debit cards, including Visa, Mastercard, Discover, and American Express.

Digital wallets offer convenient and speedy options for modern transactions. Square fully supports both Apple Pay and Google Pay for quick, contactless payments. This variety streamlines checkout whether you are selling in person or online.

Furthermore, you have the option to offer flexible financing using Cash App Afterpay. This allows customers to pay over time in four interest-free installments. The best part is that you, the seller, receive the full payment instantly, immediately bolstering your access to capital.

Przypadki użycia

🚐 Accepting Payments on the Move

You manage a small mobile boutique or a pop-up shop at a weekend market. You need a fast, flexible way to capture customer payments anywhere. Square lets you ditch bulky terminals by accepting contactless payments using Tap to Pay on your iPhone or Android device. This feature means you can easily accept all major cards without needing any additional equipment at all.

Alternatively, you can use portable readers for reliable transactions. Because every payment system is secured with built-in fraud protection, you can run your business confidently. Transactions are reliable and quick, letting you serve more customers throughout the day.

📝 Billing Clients After Service Delivery

A design firm or consultant finishes a large project and needs to bill the client securely after the work is complete. Instead of relying on slow, outdated methods, you can send a professional Square Invoice. You can choose whether the client pays with a credit card or if they select the ACH bank transfer option.

Using the ACH service is a smart approach for expensive items because it offers a significantly lower processing rate. This ensures you maintain control over your cash flow while providing customers flexible payment methods.

📶 Ensuring Sales Continuity During Outages

Imagine you are running a busy retail counter, and your internet connection suddenly fails during the peak rush hour. Square's robust systems offer an offline payments mode so your business does not stop just because the Wi-Fi dropped. The system securely stores transactions and receipts while you continue making seamless sales.

Once your service is safely restored, Square automatically uploads and processes the queued payments. This feature allows businesses that rely on consistent face-to-face transactions to always keep their doors open and avoid losing revenue during technical interruptions.

💳 Increasing Conversion with Flexible Financing

If you sell higher-ticket items, offering financing can help customers complete their purchase immediately. Square enables you to use Cash App Afterpay for both in-person and online payments. Customers appreciate that they can pay over time using interest-free installments.

For you, there's no waiting time or credit risk. You receive the full purchase amount right away when the transaction is completed. This provides more buying power for your customers and improves your overall sales volume reliably.

💵 Accelerating Access to Sales Revenue

Managing cash flow effectively is critical for any growing business. With Square, you receive your processing funds the very next business day via free standard transfers. If instant access is crucial, linking a Square Checking account speeds things up even more. Funds generated through processing are available immediately after the payment concludes.

Expected outcome: Your sales money moves faster into working capital, helping you manage inventory and operational expenses immediately.

📞 Managing Remote or Phone Orders Securely

Sometimes customers need to pay over the phone or finalize an order without their card present. Square supports this easily with its Virtual Terminal or the mobile app. You can manually key in the card details securely, even without being near your traditional hardware.

Alternatively, you can securely store a customer's card on file to process recurring or later payments instantly. This ease of use supports businesses that rely on phone reservations, consultations, or remote order fulfillment efficiently.

Przegląd cen Square Payments

Zakres cen
1% min $1 – 6% + 30¢ per transaction
Typy cen
Free plan, Usage-based pricing, Quote based

Square Payments operates on a transparent, usage-based fee structure, meaning you only pay a small percentage per transaction. Fees vary depending on whether the payment is accepted in person, online, or keyed in remotely.

Plany i ceny

In-Person Processing

Skontaktuj się w sprawie cen
  • 2.6% + 15¢ per tap, dip, or swipe
  • One rate for every card type
  • Lower risk transaction type
Get Started

Online Processing (Store/API)

Skontaktuj się w sprawie cen
  • 2.9% + 30¢ per transaction (Standard online store/API)
  • Secure online payment processing
  • Includes Square Online Store and eCommerce API purchases
Explore Square Online

Invoice Processing (Card)

Skontaktuj się w sprawie cen
  • 3.3% + 30¢ per transaction (Card payment via Invoice)
  • Applies when buyer keys in transaction online
  • Includes Square Payment Links
Explore Square Invoices

Invoice Processing (ACH)

Skontaktuj się w sprawie cen
  • 1% with a minimum $1 per transaction
  • Applies to ACH bank transfers
  • Cost-effective for large payments
Explore Square Invoices

Manually Entered Processing

Skontaktuj się w sprawie cen
  • 3.5% + 15¢ per transaction
  • Applies to manually keyed-in cards (Virtual Terminal)
  • Applies to using Card on File
Get Started

Buy Now, Pay Later (Afterpay)

Skontaktuj się w sprawie cen
  • 6% + 30¢ per transaction
  • Uses Cash App Afterpay for installment payments
  • Seller gets paid in full immediately
Learn more

Custom Pricing

Skontaktuj się w sprawie cen
  • Rates customized for high-volume merchants
  • Available for processing over $250,000 yearly
  • Negotiated based on volume and ticket size
Contact sales

Square Payments costs between 1% minimum $1 (ACH) and 6% + 30¢ per transaction with 5 standard rate plans: In Person at 2.6% + 15¢, Online at 2.9% + 30¢, Invoices at 3.3% + 30¢, Manually Entered at 3.5% + 15¢, and Buy Now, Pay Later at 6% + 30¢.

Square is committed to transparent pricing, meaning you always know what you'll pay upfront based on the transaction method.

In-Person Processing

Price: 2.6% + 15 cents per transaction Websites Supported: Not explicitly stated Best For: When a customer taps, dips, or swipes their card Refund Policy: Not explicitly stated Other Features:

  • Lower risk of fraudulent activity
  • Use with Square hardware (Reader, Terminal, etc.)
  • Same rate for all major credit cards

This option is best for stores, pop-up shops, or service providers who take payments face-to-face. It's the standard, most cost-effective rate for secure, cardholder-present transactions. 💳

Online Processing

Price: From 2.9% + 30 cents per transaction Websites Supported: Not explicitly stated Best For: Purchases made via your Square Online Store or eCommerce API Refund Policy: Not explicitly stated Other Features:

  • Secure card-not-present transactions
  • Seamless integration with your online storefront
  • Use for web sales and app purchases

You should choose this rate if you are selling products or services directly through a standard Square online store or utilizing the Square eCommerce API for large-scale integration.

Invoice Processing

Price: 3.3% + 30 cents per transaction (cards) or 1% with a minimum $1 per transaction (ACH bank transfers) Websites Supported: Not explicitly stated Best For: When you send an invoice to a customer Refund Policy: Not explicitly stated Other Features:

  • Supports both card and ACH bank transfer payments
  • Applies to checks sent remotely to customers
  • Rate includes Square Payment Links (3.3% + 30 cents)

This option is perfect for service businesses or wholesalers who need to bill clients after delivery. Using the ACH transfer option offers a significantly lower rate for larger payments.

Manually Entered Processing

Price: 3.5% + 15 cents per transaction Websites Supported: Not explicitly stated Best For: When you key in a customer's card details remotely or use a card on file Refund Policy: Not explicitly stated Other Features:

  • Used for over-the-phone payments
  • Utilizes Square Virtual Terminal or the Square app
  • Rate applies to using stored customer cards

If you frequently take phone orders or need to process payments when the physical card is unavailable, this higher-risk transaction rate is the one you will incur.

Buy Now, Pay Later Processing

Price: 6% + 30 cents per transaction Websites Supported: Not explicitly stated Best For: Offering Cash App Afterpay to customers Refund Policy: Not explicitly stated Other Features:

  • Available for in-person, online, and remote payments
  • Allows customers to pay over time in installments
  • You receive the funds in full immediately

Businesses offering flexible payment options benefit from this rate, which covers the cost and complexity of integrating installment payments like Afterpay.

Custom Pricing

Price: Varies, customized to the business Websites Supported: Not explicitly stated Best For: Businesses processing more than $250,000 every year Refund Policy: Not explicitly stated Other Features:

  • Pricing depends on processing volume and average ticket size
  • Requires contacting the sales team to determine eligibility
  • Tailored packages for high-volume sellers

This specialized option is designed specifically for high-volume merchants looking to negotiate the most favorable rates based on their significant scale of sales.

Because Square is usage-based, there is no monthly subscription fee. You can download the free Square Point of Sale app and launch your online store without any upfront investment. Square also provides free dispute management services, covering the fee for every dispute they fight on your behalf, providing excellent financial support.

Recenzje użytkowników

Square Payments generally receives high marks across thousands of customer reviews on Trustpilot and Capterra, primarily for its simplicity and accessibility for small business owners. Users frequently praise the platform's intuitive software and user-friendly mobile app, noting that it makes managing sales, tracking income, and sending invoices much easier.

Business owners appreciate the flexibility to accept almost every type of payment, including card taps, specialized payment links, and ACH transfers. While essential features like speedy deposits and payment reliability are often noted, user sentiment concerning pricing and customer support is often mixed.

Some reviewers find the transaction fees relatively high compared to competitors, wishing for options to negotiate lower custom rates. Support responsiveness is a recurring theme: while many users highlight outstanding, fast, and kind service, others report frustrating experiences, slow issue resolution, or difficulty escaping automated support loops.

Nevertheless, the system is widely recommended for its reliability and comprehensive, flexible tools that scale well with business growth. 💡

Co mówią użytkownicy gdzie indziej

Sarah P.
· Trustpilot
5.0 / 5

Square has truly made running my business so much smoother! I can accept payments anytime, whether a client is in the studio, training online, or signing up for a new program. The app is incredibly user-friendly and simple to manage.

Michael A.
· Trustpilot
5.0 / 5

I gave a 5/5 rating because the support team was very kind in their messages and responded quickly. Their professionalism and fast replies made me feel very satisfied with the way I was treated.

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Dlaczego używać Square Payments?

Choosing the right payment processor can completely simplify your daily operations. Square understands that merchants need transparency, speed, and reliability built into their system. This platform provides everything needed for security and effective cash flow.

  • Secure Processing Built In: Every payment includes dispute management, active fraud prevention, and built-in PCI compliance. You can rest easy knowing the security is handled for you.
  • Get Paid Your Way, Quickly: You receive your money the next business day with free standard transfers. If you use Square Checking, you get instant access to your funds immediately after the payment processes.
  • Total Payment Flexibility: Accept every method customers prefer, including major credit cards, Google Pay, Apple Pay, and installment payments through Cash App Afterpay.
  • Transparent Pricing: Square clearly publishes its processing rates based on the transaction type. For example, in-person card payments are 2.6% plus 15 cents per transaction. There are no lengthy contracts or hidden fees required to get started.
  • Stay Operational Offline: Keep making sales even if the service drops or Wi-Fi fails. Square stores your offline payments and receipts for up to 24 hours until you reconnect to the internet. ✅

If your business needs a flexible, reliable payments platform with both hardware and secure online options, Square is an ideal choice. It provides concrete tools designed to help streamline your decision-making and grow your sales. Start accepting payments right away by signing up. 🚀

Gotowy na transformację przepływu pracy z Square Payments?

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Najczęściej zadawane pytania

How quickly can I start accepting payments once I sign up for Square?

You can sign up for Square and begin accepting payments right away. Square is built to support businesses of all sizes, offering flexible tools that can adapt and grow with you.

Does Square charge monthly fees or per-seat costs for its payment services?

No, Square is usage-based and does not require a monthly subscription fee. You won't see unexpected charges like startup, statement, or PCI-compliance fees.

Can I get a tailored processing rate if I have very high sales volume?

Yes, custom pricing is available if you process over $250,000 every year. These tailored packages are based on your processing volume, average ticket size, and history as a user.

What are the hours for getting live phone support from Square?

In-house phone support is available from 6 a.m. to 6 p.m. Pacific Time. You can also reach out via email 24/7 or use the Square Community for help.

Does Square help manage chargebacks and payment disputes?

Yes, Square provides free dispute management services. They cover the processing fee for every chargeback dispute that the Square team fights on your behalf.

Is PCI compliance handled by Square, or do I need to manage it separately?

The security features are built right in, including PCI compliance and end-to-end encryption. Square manages this complex side of payment security for you.

Does Square Payments offer any kind of free trial period before I commit?

No, Square Payments does not offer a free trial. Since the model is usage-based with no upfront or monthly fees, you only pay when you process a transaction.

If internet access fails, how long can Square store my payments offline?

Square can store offline payments and receipts for up to 24 hours. The payments are processed automatically once your device reconnects to the internet.

Are there limits on how much money I can transfer instantly from Square?

Yes, instant transfers have limits ranging from $25 minimum to $10,000 maximum per transfer. New Square sellers may initially be limited to $2,000 per day.

Does Square charge an additional fee specifically for issuing a refund?

No, the official site states that Square does not charge any specific fees for processing a refund.

What is the required contract length, and how do I cancel my service?

Square requires no lengthy contracts to use its payment processing. The procedure for cancellation or account closing is not explicitly stated on the official site.

Does Square Payments offer tools for connecting to my existing website or app?

Yes, Square provides a range of in-person and online payment APIs and SDKs. You can use these to integrate payment acceptance into your custom POS, mobile app, or existing e-commerce site.

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