Square’s Payments API FAQs
Review frequently asked questions and learn how to use Square’s Payments API to accept payments online on your website.
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 eCommerce API application, and without ever leaving your website, customers can securely make online purchases. Payment processing is completed entirely through Square, so you’ll never need to handle sensitive payment card data.
What cards are accepted with Square’s API?
You can use Square to accept payments from any credit card with the Visa, Mastercard, American Express, Maestro, Visa Electron or Vpay logo. 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.
Note: The following card types aren’t currently supported: Discover, JCB or Union Pay.
Every card has the same flat rate: Corporate, prepaid, gift cards and rewards cards have no additional fees.
Note: Cards may be charged a different rate based on origin. A fee of 1.9% for European cards and 2.9% for non-European cards is applied per transaction.
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.
Payments & Fees
What are the fees for Square’s API?
A fee of 1.9% for European cards and 2.9% for non-European cards 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 merchant 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.
What 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 your local currency.
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 from a Refund API. Just like Square app, payments are sent to your linked bank account following your regular deposit schedule.
Note: eCommerce API payments are not itemised in your transaction history.
Manage API Access
How do I uninstal an App?
Once you’ve connected an app to your Square account, you can manage connection settings online:
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.