Square Multi-Account Suite Terms of Service

These terms apply if you signed up for Square Multi-Account Suite on or after August 17, 2026 and will become effective and apply to all Square Sellers using Multi-Account Suite on September 19, 2026. For terms that apply to the legacy Square for Franchises product, see here.

Effective Date: August 17, 2026

Square Multi-Account Suite and related multi-account capabilities (collectively, the “Multi-Account Services”) provide multi-account organization tools for eligible customers of Square services (“you” or “Seller”) whose business operations span multiple Square Accounts under a single organization, or similarly structured groups of affiliated merchants that share common branding, ownership, or operational control (each linked Square Account, a “Member Account”). Each grouping of two or more linked Member Accounts that are administered together through the Multi-Account Services is referred to as a “Multi-Account Organization.” A Multi-Account Organization consists of the Square Account of the Multi-Account Owner together with the linked Member Account of each participating Multi-Account Member.

The Multi-Account Services include both paid-for Services (“Paid Services”) and free Services, for which no additional fees are charged (“Free Services”). Free Services may include, as made available by Square, organization-level reporting and certain services provided by third party service providers (“Third-Party Partners”). Paid Services may include, as made available by Square, organization-level reporting, menu or catalog management, gift card functionality and reconciliation, royalty reporting, and related organization-management features.

By using the Multi-Account Services, you agree to be bound by these terms (“Square Multi-Account Terms”), the General Terms, the Additional Point of Sale Terms of Service, the Privacy Notice for Square Sellers and Website Visitors, and all other terms, policies, and guidelines applicable to the Multi-Account Services or any other Square Services that you use. If you are using the Multi-Account Services on behalf of a business, you represent that you have the authority to bind that business or entity to these terms. Defined terms have the same meaning as in the General Terms.

1. Creation of a Multi-Account Organization

To use the Multi-Account Services, you each must create and maintain a Square Account, as defined in the General Terms, Section 1. Square may require participating Multi-Account Members to maintain a Square Subscription Service, as defined in the General Terms, Section 10, as a condition of using some or all Multi-Account Services features. If you operate the corporate Square Account (“Multi-Account Owner”), you must initiate or approve the linkage of participating Sellers’ (“Multi-Account Members”) Square Accounts to the Multi-Account Owner Square Account and manage access to the Member Accounts to form the Multi-Account Organization. The Multi-Account Owner is responsible for ensuring that all Multi-Account Members are authorized to participate in the Multi-Account Organization and have agreed to these Square Multi-Account Terms and agree to pay any Fees owed to Square for the Services. Unless otherwise agreed in writing with Square, the Multi-Account Owner is responsible for Fees charged by Square for the Multi-Account Services at the Multi-Account Organization level, and each Multi-Account Member remains responsible for Fees, Taxes, and other amounts owed for its own Square Account, Square subscription plan, third party services, and other Services it uses.

We reserve the right to decline to provide the Multi-Account Services to any Seller for any reason, in our sole discretion.

2. Relationship between Multi-Account Owner and Multi-Account Members

Unless otherwise agreed to between Multi-Account Owner and Multi-Account Member, by joining a Multi-Account Organization, you acknowledge and agree that the Multi-Account Owner has access to and control over (including the right to manage and delete) all data in the Multi-Account Organization, including customer, sales, transaction, gift card, menu, catalog, pricing, and inventory data, and other data associated with and stored in any Multi-Account Member’s Square Account. When Multi-Account Services are enabled by the Multi-Account Owner, the Multi-Account Owner has the ability to:

• Access and process all data and information associated with any Multi-Account Member’s Square Account, including, but not limited to, the Multi-Account Member’s contact information, menu, transaction history, sales monitoring, account balances, and reports;
• Calculate royalty fees using royalty rates input by Multi-Account Owners, and sales or other Multi-Account Owner-selected data from Multi-Account Member Accounts. If enabled, Multi-Account Owners are solely responsible for determining the applicable formulas, confirming the accuracy of any calculations, and complying with any agreements or laws governing royalties or other payments between Multi-Account Owner and Multi-Account Members;
• Manage item catalogs, including menus, discounts, pricing and taxes, across the Multi-Account Organization;
• Enable the acceptance of gift cards across the Multi-Account Organization, control their settings, monitor their sales, redemption, and reconciliation, and, for credit or debit card purchases, automatically pool their proceeds in a central Square Checking account owned by the Multi-Account Owner to streamline accounting reconciliation across the Multi-Account Organization. The Multi-Account Owner is responsible for allocating and distributing the proceeds and/or liabilities from gift card sales to the Multi-Account Members, and for ensuring the accuracy of any such distribution. You acknowledge and agree that Square is not responsible for resolving any conflict arising between any Multi-Account Owner and any Multi-Account Member related to gift cards;
• Configure permissions, restrictions, location groups, organization-management settings, or other controls made available by Square for the Member Accounts;
• Use any other Multi-Account Services offered by Square from time to time, on behalf of any Multi-Account Member.

Limited capabilities are available to Multi-Account Owners using Free Services.

3. Third-Party Ordering, Loyalty, Marketing, and Other Partner Services

Some functionality, such as online ordering, mobile application, loyalty, marketing, or related services, may be provided by third party service providers rather than Square (“Third-Party Partner Services”). Third-Party Partner Services are provided by the applicable Third-Party Partner and are subject to that Third-Party Partner’s terms, privacy notices, fees, support processes, and other requirements. Square is not responsible or liable for any Third-Party Partner Services, including their availability, functionality, performance, security, support, compliance, fees, customer communications, fulfillment, loyalty program administration, or handling of data, except to the extent expressly stated in a separate written agreement with Square.

If you, as a Multi-Account Owner, enable or use a Third-Party Partner Service in connection with the Multi-Account Services, you authorize Square to share your Multi-Account Organization data with and receive data from the applicable Third-Party Partner as necessary to enable the integration, or as otherwise directed by the Multi-Account Owner or an authorized user. You are responsible for ensuring that you have all rights, notices, consents, authorizations, and agreements necessary for Square and the Third-Party Partner to process and exchange such data, including any customer data, order data, loyalty data, gift card data, menu or catalog data, and transaction data.

4. Privacy and Data Sharing

You acknowledge and agree that Square is acting as a “service provider” or “processor” (as defined by applicable data protection laws) on your behalf when providing the Multi-Account Services, and is processing personal data on your behalf and at your direction, which may include: (i) sharing all data and information associated with Multi-Account Members’ Square Accounts, including Members’ contact information, sales, transaction, and inventory reporting metrics, to the Multi-Account Owner; (ii) centralizing menu, catalog, inventory, pricing, and tax management across the Multi-Account Organization; (iii) facilitating gift card programs to be used at any Multi-Account Member location; (iv) enabling integrations and sharing of your data with Third-Party Partner Services at your direction, as described in Section 3; and (v) providing other Multi-Account Services offered by Square from time to time. The personal data we process comprises the categories of data described in our Privacy Notice and our Privacy Notice for Users Who Do Not Apply or Sign Up for a Square Account or Other Services. For the avoidance of doubt, this paragraph does not apply to data we process in accordance with the Privacy Notice for Buyer Features and Square Pay.

Square does not determine the rights and obligations pursuant to applicable data protection laws among the Multi-Account Owner, Multi-Account Members, and any Third-Party Partner Services with respect to personal data. You acknowledge that you are solely responsible for ensuring that your use of the Multi-Account Services adheres to applicable data laws, and for entering into any agreements governing the transfer and processing of personal data required with other Sellers or Third-Party Partners.

Without limitation, you agree that your use of the Multi-Account Services and any resulting processing of personal data, including processing described in Section 2, and any disclosure of personal data to other Square Sellers or third parties that results from your use of the Multi-Account Services, will comply with applicable data protection laws. If required, you will:

• Enter into a separate agreement with any relevant Multi-Account Member, Multi-Account Owner, and/or Third-Party Partner to allocate your rights and responsibilities under applicable data protection laws and to ensure a lawful transfer mechanism;
• Provide data subjects with a privacy notice that satisfies the transparency requirements of such data protection laws to ensure that personal data may be processed via the Multi-Account Services fairly, lawfully, and in a transparent manner;
• Ensure you have all necessary rights, consents and authorizations, including any necessary consents to international transfers or concerning your receipt, sharing, marketing to, or other processing of personal data through the Multi-Account Services;
• Allow data subjects to exercise their rights under applicable privacy law (including their rights to access, correct, or delete their personal data, and any lawful instructions that you receive about the data subject’s exercise of their rights). With respect to data processed by Square, you may submit such privacy requests at privacy.block.xyz. You are responsible for coordinating with other participating Multi-Account Members and/or Third-Party Partners to respond to data subject requests when personal data is shared, synchronized, or otherwise made available to them by you or at your direction;
• Implement, monitor, and maintain physical, operational, technical, administrative and organizational safeguards and other security measures to (1) ensure a level of security appropriate to the risks related to the processing of personal data in your possession, custody, or control; (2) restrict the dissemination of access credentials to authorized users with a reasonable business need; and (3) protect against any actual or reasonably suspected unauthorized, accidental or unlawful acquisition, destruction, loss, alteration, copying, disclosure, access, use or other processing of personal data.

5. Restrictions

In addition to the restrictions in Section 3 of the General Terms, except where prohibited by law, you may not, nor may you permit any third party, directly or indirectly, to:

• Link a Square Account of a Seller who does not share common affiliation with the other participating Multi-Account Members;
• Link a Square Account of a Seller who is not located in the same country as you are;
• Use the Multi-Account Services outside of the United States.

Use of the Multi-Account Services may be available in other jurisdictions, subject to those jurisdictions’ specific Multi-Account Services terms.

6. Disclaimers

The Multi-Account Services provide the ability to connect Square Accounts to facilitate certain functionality that may be useful for a franchise network or a similarly structured group of affiliated merchants. The Multi-Account Services do not work for all business models and may not allow you to operate your business in a legally or contractually compliant manner. Square offers no guarantee that the Multi-Account Services are compatible with the rights and responsibilities of the Multi-Account Member and the Multi-Account Owner, whether defined by applicable law or any agreement between Multi-Account Member and Multi-Account Owner. You acknowledge and agree that you are not relying on the Multi-Account Services to satisfy any of your obligations under applicable federal or state laws, including but not limited to disclosure, registration, termination, transfer, non-renewal, or privacy requirements. The Multi-Account Services do not create any business relationship between or among Sellers within the Multi-Account Organization.

Your legal relationship to participating Multi-Account Members is not governed by these terms. Any reports, calculations, reconciliation tools, royalty reports, gift card reports, or similar information made available through the Multi-Account Services are provided for operational convenience only. You are solely responsible for reviewing and verifying the accuracy and completeness of such information and for determining and satisfying any payment, tax, accounting, escheatment, or contractual obligations between or among Multi-Account Members or to any third party.

Square is not responsible for Third-Party Partner Services or for any act, omission, data processing, fee, outage, error, support issue, customer dispute, or legal compliance obligation of any Third-Party Partner.

7. Term and Termination

You or Square may terminate your participation in a Multi-Account Organization at any time. The Multi-Account Owner may terminate a Multi-Account Member’s participation in the Multi-Account Organization at any time, upon which the removed Multi-Account Member will no longer have access to the Multi-Account Organization, including Multi-Account Organization data, and Multi-Account Services features. Upon termination of your participation in the Multi-Account Organization for any reason (including by you, by Square, or by the Multi-Account Owner), or upon your ceasing to be eligible for the Multi-Account Services, any custom, negotiated, or preferential pricing associated with your participation in the Multi-Account Organization immediately terminates and your Square Account will revert to Square’s then-current standard published rates in our Fee Schedule, without advance notice to you. This paragraph supersedes and controls over any conflicting fee-change or pricing-notice provisions in the General Terms, the Payment Terms, or any other terms incorporated by reference, except as otherwise expressly agreed in a separate written agreement signed by Square. Each Multi-Account Member’s right to access and use the Multi-Account Services is subject to the Multi-Account Owner’s ongoing provisioning of access to the Multi-Account Organization on the Multi-Account Member’s behalf and to the Multi-Account Member’s continued eligibility for the applicable Square Services.

Upon termination of any Seller’s participation in a Multi-Account Organization, all data shared across the Multi-Account Organization may remain accessible to the Multi-Account Owner, and/or Third-Party Partners, subject to applicable law, Square’s policies, and any separate written agreement with Square.

8. Disputes

Any disputes between you and any other member of your Multi-Account Organization must be resolved directly by you without Square’s involvement. Square may, at its sole discretion, take action to resolve a dispute, including, but not limited to, terminating a Multi-Account Member, Multi-Account Owner, or Multi-Account Organization.

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