Square (2024)

Square Point of Sale

Questions you might have, answered all in one place.

Setting up your POS

How do I start using Square POS?
Download the Square POS app and sign in to open your account. Start accepting payments by entering card numbers without a reader. We’ll ship you a reader, which should arrive within 10 business days, or you can pick one up at a participating retail store.

How long will it take to set up my Point of Sale?
Getting set up to accept credit cards on Square only takes a few minutes. And with a few more minutes, you can set up items and take advantage of our entire suite of products to help you run and grow.

What if I have a question about my Square Point of Sale system?
Our highly trained support team is available via phone or email. You can also learn from our Seller Community, or visit the Support Center 24/7 to find useful tips, articles, and thorough video walkthroughs.

How long does it take to get trained?
Square is so intuitive, there’s no training required. Really.

Fees and protection

How much does Square POS cost?
Our Point of Sale software is free and can support all kinds of businesses at any stage or size. The processing rate is 2.6% + 10¢ for every tapped (mobile payments), dipped (chip cards), and swiped (magstripe cards) payment.

Are there any hidden fees I should be aware of?
Nope. There are no long-term contracts, startup fees, authorization fees, statement fees, PCI-compliance fees, or business card fees. Just pay when you use it. That’s it.

Do I have to pay for each of my employees to use Square Point of Sale?
No. You have basic POS functionality for any number of employees for free with Team Management, which also offers more advanced employee controls for a per location fee.

What cards can I accept with POS? Does the fee I pay vary by card?
You can accept every major card—Visa, Mastercard, American Express, and Discover—all for the same rate.

What does Square do to help with fraud protection?
Our systems monitor your payments to keep an eye on suspicious transactions. Machine learning and human expertise work hand in hand to adapt our technology to the shifting fraud landscape every day. And our team of fraud experts reaches out to you if we notice anything unusual.

Payments

What methods of payment can my customers use?
You can accept cards, cash, checks, and gift cards.

How do I take a payment with Square?
Payment processing is simple with Square hardware connected to your phone or tablet, through digital invoices, or through your computer.

Can I still take payments without a signal?
Yes, with offline payments you can accept payments even when your internet service is temporarily unavailable. Any payment you take will automatically be sent through when you regain connectivity. Learn more about offline payments here.

How do I issue refunds?
It’s really simple, but it’s probably easier to show you with our Point of Sale demo.

How quickly can I access my funds?
With Square Transfers, you can send your money to an external bank account in one to two business for free or instantly for a fee. With Square Checking, get your money from Square sales instantly for free.

Compatibility

Does the app work with my iPhone, iPad, or Android device?
Yes, it does. Learn more about how Square POS works on iPad.

Can I manage my inventory from my Point of Sale?
Square inventory management lets you keep a clear count of in-stock items in your item library. With inventory enabled, the stock count updates based on sales from the Square app, Square Invoices, and for orders shipped through your online store.

Does Square Point of Sale connect to receipt printers, cash drawers, or scales?
Yes, Square now works with receipt printers, cash drawers, and scales. For a full list of accessories, check out our shop.

Can I sell online with Square POS?
Square Online powers your online business with tons of eCommerce features. Square automatically syncs across your online store and POS, so it’s easy to keep track of orders, items, and inventory.

Does Square POS work with my existing business tools and services?
From accounting apps (QuickBooks) and eCommerce solutions (Wix) to inventory and team management (Homebase), Square works with apps for any need. Connect in just a few steps, sync your data, and manage apps right from your Square Dashboard.

What kind of hardware solutions sync with Square Point of Sale?
Your point of sale seamlessly integrates with any Square hardware solution. Try Square Register or Square Reader for contactless and chip, or connect Square Terminal to your POS to give customers a private, separate screen to check out from a safe distance.

Explore hardware solutions

Get started by creating a free account.

Set up your POS now and start selling in minutes.

Get started

Square (2024)

FAQs

How much does square cost per month? ›

Square does not charge a monthly or annual fee. Instead, the company makes money through a percentage of every credit card transaction it processes. Square charges 2.6% plus 10 cents for most in-person transactions. However, if the card must be entered manually, it charges 3.5% plus 15 cents per transaction.

What exactly does square do? ›

The Square operating system allows business owners to sell anywhere, work more efficiently, manage inventory, communicate with customers, book appointments, course meals, order online, and so much more.

Are square and Cash App the same? ›

Cash App (formerly Square Cash) is a mobile payment service available in the United States that allows users to transfer money to one another using a mobile phone app. As of 2024, the service reports 57 million monthly transacting users and US$14.7 billion in annual revenues. Block, Inc.

How to use square for small business? ›

  1. Step 1: Choose your business structure. ...
  2. Step 2: Onboard your business. ...
  3. Step 3: Link your bank account. ...
  4. Step 4: Set up transfer options. ...
  5. Step 5: Sign in to your Square account. ...
  6. Step 6: Order Square hardware. ...
  7. Step 7: Create your item library. ...
  8. Step 8: Set up your team.

Is using Square worth it? ›

Square is a standout point-of-sale system and often a good option for small businesses. Its wide range of features and hardware can be tailored to fit a variety of business types. The pricing is transparent, and the free plan is one of the most powerful no-cost POS systems we've seen.

What cards does Square not accept? ›

Square works with any US-issued and most internationally-issued magstripe and chip cards bearing a Visa, Mastercard, American Express, Discover, JCB, or UnionPay International logo.

Does Square use Zelle? ›

Square does not work with Zelle, However you are very wrong about business accounts. Zelle does work with business accounts from other banks.

What bank does the Square app use? ›

Square Checking is provided by Sutton Bank, Member FDIC. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted.

Does Square charge the customer or the business? ›

When a customer spends money with your business, Square only keeps a fraction of the fees, and most of that goes right back into your business.

Does Square report to the IRS? ›

The IRS requires Payment Settlement Entities, such as Square, to report the payment volume received by U.S. account holders. A Form 1099-K is the information return that is given to the IRS and qualifying customers.

Does Square require a social security number? ›

Step 2: Verify your identity

The following information is required to activate a Square account: Full legal name. Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN)

Do you have to link a bank account to Square? ›

Square requires a transactional bank account (an account that allows for both transfers and withdrawals) to support refunds or chargebacks. Prepaid cards or online-only accounts (such as PayPal) aren't supported.

Does Square do monthly payments? ›

Select a daily, weekly, monthly, or yearly interval. Choose whether to end the recurring series on a specific date, after a certain number of payments, or never.

How much does Square payments charge? ›

Square's Payment Processing Fees

1.75% for each contactless, chip and PIN or swiped card-present transaction.

How much does Square charge for my account? ›

If you are subscribed to any Square services, you can view your subscription fees right on your Square Dashboard, select your Account & Settings > Pricing & Subscriptions.

Does it cost money to use a Square? ›

Square's Payment Processing Fees

Square's processing fees are 2.65% per card-present transaction, 2.9% + 30¢ per paid Square Invoice and Square Online Store or Booking Site sale, 3.4% + 15¢ per manually entered transaction and Debit cards are processed at 0.75% + 7¢ per tap or insert.

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