Fees and Payments FAQs
Find answers to commonly asked questions about accepting payments with Square.
Fees and Payments Questions
What card brands and card types does Square accept?
We accept Visa, MasterCard, American Express, VPay, and Maestro debit and credit cards. JCB, Discover and China Union Pay are not currently supported.
What are your fees?
Review details about Square’s processing fees.
Learn more about how processing fees and rates are calculated.
Where can I see a breakdown of all the fees I’ve paid?
You’re able to view and download your sales summaries and fees from the Sales section of your online Square Dashboard.
Where can I see my free processing credit?
If you’ve referred, or have been referred by another business to use Square, you’ll see fee reimbursements reflected in your transfer summaries.
- Log in to the Balance tab of your online Square Dashboard, select a transfer.
- You’ll see fees reimbursed in the Free Processing row of the transfer summary.
You can also see how much free processing credits you have left under the Get Free Processing section of your Square Dashboard.
Learn more about Square’s free processing program.
Why can’t I accept a payment yet?
Your account will not be fully activated to accept payments until you have linked a bank account to your Square account and the bank account has been verified.
Learn how to link and edit your bank account.
When will my money be transferred?
Your sales are transferred within 1-2 business days using our standard transfer schedule.
Check out your transfer options with Square.
Can I manually enter, or key in, a payment?
Yes, if the card isn’t present, your reader is out of battery, not working, or the card is damaged and cannot be read, you can manually key in a payment in the Square app. Learn how to manually enter a payment card.
Card not present transactions have a higher fee than card present transactions due to the risk involved with accepting these types of card payments. Be sure to review the best practices for accepting keyed-in payments.
Can I process a refund?
Yes. Refunds processed through square on a mobile device must be requested and completed within 120 days of the original transaction. Payments refunded via your online Square Dashboard can be refunded within one year of the original transaction date. Note: Payments accepted before October 2018 must be refunded within 120 days.
Once this window has passed, you must issue refunds outside of Square.
Learn how to process refunds.
How do I delete an accidental payment?
While you aren’t able to delete any transactions that have been processed through Square, you can process a refund on any payment to keep your books in order.
I’m having trouble with my Internet connection. Can I still accept card payments?
WiFi or mobile data are required to accept card payments with Square. If your internet connection is interrupted or becomes temporarily unavailable, you can record cash payments. If you’re unable to restore your internet connection, you can opt to send an invoice to your customer to collect payment from your customer.
Why is my customer’s card declining?
Cards can be declined by the card-issuing bank or by Square if any information is entered incorrectly. Try these payment troubleshooting tips.
Why does my customer see a pending charge?
Incomplete payments may pend on your customer’s card statement, but they’re not actual charges but simply Square verifying that funds are available, and should fall off your customer’s statement within a few days.
How do I add a note to a payment?
You can add notes to items or custom amounts at the time of sale. The ability to add a note on a completed payment is unavailable. Learn how to add a note to a payment at the time of sale.
Can I accept international magnetic stripe cards?
Yes, you can accept international magnetic stripe cards without a chip, with the Magnetic Stripe Card Reader included with your Square Reader or on your Square Terminal.
How do I accept payments from my laptop or desktop?
You can accept card payments from your laptop or desktop computer in a couple different ways:
- You can log into your online Square Dashboard and accept payments with Virtual Terminal.
- You can send a Square Invoice.
Find answers to questions about your Square account.