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Square’s Payments API FAQ

Review frequently asked questions and learn how to use Square’s Payments API to accept payments online on your website.

Getting Started

How does the Payments API work?

Square’s Payments API is a payment solution that allows you to accept credit card payments from your own website. Connect your website to Square with an API application, and without ever leaving your website, customers can securely make online purchases. Payment processing is done entirely through Square, so you’ll never need to handle sensitive payment card data.

Which cards are accepted with Square’s API?

You can use Square to accept payments from any credit card with the Visa, Mastercard, American Express, Discover, or JCB logos. You can also accept any gift card or prepaid card with the same logos mentioned above, as long as the amount of the charge does not exceed the balance on the card.

Every card has the same flat rate: Corporate, prepaid, gift cards, and rewards cards have no additional fees.

How do I get started? 

Visit this get started guide to learn how to set up your application and start accepting payments through your website. 

What is a personal access token?

This is a code your application uses to communicate with Square for processing payments. If you’re working with a trusted developer, you may want to share your personal access token to help create your API application, but keep in mind that your token is sensitive account information, similar to your Square account password. 

Can I accept payments with Square from my Squarespace website?

At this time, you are not able to link Square directly with your Squarespace website. However, Squarespace developers can embed Ecwid to accept payments with Square.

Payments & Fees

What are the fees for Square’s API?

A fee of 2.9% +$0.30 is applied to payments processed through Square’s Payments API. 

Learn more about how processing fees and rates are calculated.

Is the Payments API a good fit for my business? 

If you’re a Square Seller, and host your own website, the API is a great option to streamline all your sales channels. We recommend working with a website developer to get set up. 

Which currency will sales be processed in?

Although you are able to accept international cards with Square’s Payments API, all payments will be processed in CA dollars.

Sales & Reporting

How do payments and reporting work? 

Payments processed with Square’s payment processing APIs appear in your transaction history from your online Dashboard. For easy identification, payments are labelled as “Online Transaction”. 

Refunds can be processed from the Square app, your Dashboard or a Refund API. Just like the Square app, payments are sent to your linked bank account following your regular deposit schedule.

Note: eCommerce API payments are not itemized in your transaction history.

Manage API Access

How do I uninstall an App?

Once you’ve connected an app to your Square account, you can manage connection settings online:

  1. Visit Apps in your online Square Dashboard > click My Apps

  2. Locate the app you’d like to disconnect. Click the X and confirm you’d like to revoke access to your Square account.

Payments API Best Practices

It’s important to take additional precautions with eCommerce orders to prevent fraud and disputes. Review a full list of best practices.

Read more about integrating with Ecwid.

Learn more about: Payments APIs