General Terms of Service

These terms apply if you signed up for Square on or after March 16, 2026 and will become effective and apply to all Square Sellers on April 16, 2026. For terms that apply until then, see here.

Last updated March 16, 2026

We’ve included annotations in the gray boxes below to emphasize certain portions of our terms and help guide you as you read them. Annotations aren’t part of the terms and have no legal effect, but are intended to help you follow the text.

This page describes the general terms that apply to your use of any of our services. By using our services you agree to these terms on top of any other terms that apply to a specific service you are using. If you use our services on behalf of your company, your company agrees to them too.

These General Terms of Service (“General Terms”) are a legal agreement between you, as a current or prospective customer of Square’s services (“you,” “your”) and Block, Inc., Square Capital, LLC, and/or Square Financial Services, Inc. (“Square,” “we,” “our” or “us”), and govern your use of Square’s services, including mobile applications, websites, software, cloud-based solutions, AI products, hardware, and other products and services in the United States of America (collectively, the “Services”). By accepting these General Terms or by using any of the Services, you agree to these General Terms and any policies referenced within (“Policies”), including our Privacy Notice (see Section 8) and terms that limit our liability (see Section 19) and require individual arbitration for any potential legal dispute (see Section 22), which are collectively incorporated herein by reference.

When you accept these General Terms or use any of the Services, you are also agreeing to the additional agreements and/or terms of service that govern the specific Services you use (“Additional Terms”), including those listed below, which are part of your agreement with us (collectively, the “Terms”). If you are using the Services on behalf of a business, you represent to us that you have authority to bind that business or entity to these Terms, and that business, including its employees, contractors, and agents (collectively, “Personnel”), accepts these Terms. You and your Personnel agree to read all of our Terms carefully.

• Square Data Processing Agreement: These terms apply to Square’s and your processing of personal data in connection with your use of the Services.
• Square E-sign Consent: This confirms your consent to receive certain communications, notices, agreements, billing statements, or disclosures from Square (including its affiliates and third party service providers) electronically, rather than in paper form, and to the use of electronic signatures in our relationship with you.
• Square Payment Terms: These terms apply to all Payment Services.
• Square Additional Point of Sale Terms of Service: These terms apply when you use certain Square Point of Sale Services.
• Square AI Terms of Service: These terms apply when you use any products, features and tools powered by artificial intelligence or machine learning (“AI Products”) that are offered by Square or a third party.
• Square Bitcoin Terms of Service and Square Bitcoin Disclosures: These terms apply to your use of Square’s bitcoin products and features. Square Bitcoin products and features may be automatically enabled.
• Neighborhoods on Cash App Seller Terms of Service: These terms apply to your participation in Neighborhoods on Cash App, the Local Cash rewards program, and your use of the Neighborhoods on Cash App services. Neighborhoods on Cash App services may be automatically enabled.
• Square Financial Terms of Service: These terms apply in connection with your use of certain financial services offered by Square.
• Square Checking Terms of Service: These terms apply when you use the Square Checking Program or Square Debit Card.
• Square Savings Deposit Account Terms: These terms apply to your use of an online savings account (“Square Savings Account”) through Square Financial Services, Inc.
• Square Bill Pay Terms: These terms apply when you use the Bill Pay Service.
• Square Hardware Policies and Limited Warranty: These terms apply when you purchase or use Square hardware or third party hardware and accessories from Square or one of Square’s authorized retailers.
• Square Payroll Terms of Service: These terms apply when you use Square Payroll.
• Square for Franchises Terms of Service: These terms apply when you use the Franchise Service.
• Square Developer Terms of Service: These terms apply when you use Square’s software development kit files (SDKs), tools, programs and utilities, as well as any plug-in or other application programming interfaces (“APIs”), sample code (including runtimes and libraries) and related documentation.
• Afterpay Merchant Terms of Service: These terms apply when you use the Afterpay payment method.
• Square ACH Service Terms: These terms apply when you use ACH Services.
• Square Beta Terms of Service: These terms apply when you participate in a Square alpha or beta testing program.
• Square Commercial Entity Agreement: If you are a “Commercial Entity” (as defined by Visa and Mastercard), your acceptance of card payments in connection with certain Square services is governed by this agreement with JPMorgan Chase and/or Bancorp, as applicable.
• Square Intellectual Property Policy: This policy applies to use of intellectual property and specifies how to file a notice of infringement if you believe that third-party material hosted by Square on any of our platforms infringes your copyright or trademark rights.
• HIPAA Business Associate Agreement: If you are subject to HIPAA as a Covered Entity or Business Associate (as defined in HIPAA) and use the Services in a manner that causes us to create, receive, maintain, or transmit Protected Health Information on your behalf, then you agree to the HIPAA Business Associate Agreement (“HIPAA BAA”).

1. Square Account Registration

Provide accurate personal information during registration and keep the information current. We can suspend or terminate your account if you provide incomplete or false information.

You are responsible for all activity on your account.

You must open an account with us (a “Square Account”) to use the Services. During Square Account registration and in connection with the Services, we may ask you for information, which may include but is not limited to, your name and other personal or business information. You must provide accurate and complete information in response to our questions, and you must keep that information current. You are fully responsible for all activity that occurs under your Square Account, including for any actions taken by your Personnel or other people to whom you have granted access to the Square Account. We reserve the right to change the account type, or suspend or terminate the Square Account of anyone who provides inaccurate, untrue, or incomplete information, or who fails to comply with the account registration requirements.

2. Revisions, Disclosures and Notices

We can make updates to our terms of service at any time, and we’ll notify you of these updates as appropriate. By continuing to use our services after these updates, you agree to the revised terms.

You also agree to receive notices from us electronically.

We reserve the right to amend the Terms at any time, and to modify, discontinue, or impose conditions on any feature or aspect of the Services with notice that we deem to be reasonable under the circumstances. Such notice and any revised version of the Terms (each a "Revised Version") may be posted on our website or communicated to you electronically or through the Services. Any use of the Services after our publication of any such changes shall constitute your acceptance of the Revised Version of the Terms.

You agree to Square’s E-Sign Consent. We may provide disclosures and notices required by law and other information about your Square Account to you electronically, by posting it on our website, pushing notifications through the Services, or by emailing it to the email address listed in your Square Account or that you otherwise provided to Square. Electronic disclosures and notices have the same meaning and effect as if we had provided you with paper copies. Such disclosures and notices are considered received by you within twenty-four (24) hours of the time posted to our website, or within twenty-four (24) hours of the time emailed to you unless we receive notice that the email was not delivered. If you wish to withdraw your consent to receiving electronic communications, contact Square Support. If we are not able to support your request, you may need to terminate your Square Account.

3. Restrictions

If you want to use our services, you can’t engage in certain harmful activities. If we think you are engaged in these activities, we have the right to share your information with law enforcement.

Except where prohibited by law, you may not, nor may you permit any third party, directly or indirectly, to:

1. export the Services, which may be subject to export restrictions imposed by US law, including US Export Administration Regulations (15 C.F.R. Chapter VII);
2. engage in any activity that may be in violation of regulations administered by the United States Department of the Treasury’s Office of Foreign Asset Control (31 C.F.R. Parts 500-599). Prohibited activity includes but is not limited to the provision of Services to or for the benefit of a jurisdiction, entity, or individual blocked or prohibited by relevant sanctions authorities, including but not limited to activities in Iran, Cuba, North Korea, Syria, Afghanistan, Belarus, Venezuela, the Crimean Region of the Ukraine, and/or any other Russian-occupied regions of Ukraine. If found to be in apparent violation of these restrictions, your account could be terminated and your funds could be held for an indefinite period of time;
3. access or monitor any material or information on any Square system using any manual process or robot, spider, scraper, or other automated means;
4. except to the extent that any restriction is expressly prohibited by law, violate the restrictions in any robot exclusion headers on any Service, work around, bypass, or circumvent any of the technical limitations of the Services, use any tool to enable features or functionalities that are otherwise disabled in the Services, or decompile, disassemble or otherwise reverse engineer the Services;
5. perform or attempt to perform any actions that would interfere with the proper working of the Services, prevent access to or use of the Services by our other customers, or impose an unreasonable or disproportionately large load on our infrastructure;
6. copy, reproduce, alter, modify, create derivative works, publicly display, republish, upload, post, transmit, resell or distribute in any way material, information or Services from Square;
7. use and benefit from the Services via a rental, lease, timesharing, service bureau or other arrangement;
8. transfer any rights granted to you under these General Terms;
9. use the Services in a way that distracts or prevents you from obeying traffic or safety laws;
10. use the Services for the sale of firearms, firearm parts, ammunition, weapons or other devices designed to cause physical harm;
11. use the Services for any illegal activity or goods or in any way that exposes you, other Square users, our partners, or Square to harm; or
12. otherwise use the Services except as expressly allowed under these Terms.

If we reasonably suspect that your Square Account has been used for an unauthorized, illegal, or criminal purpose, you give us express authorization to share information about you, your Square Account, and any of your transactions with law enforcement, in accordance with applicable laws.

4. Compatible Mobile Devices and Third Party Carriers

We do not warrant that the Services will be compatible with your mobile device or carrier. Your use of the Services may be subject to the terms of your agreements with your mobile device manufacturer or your carrier. You may not use a modified device to use the Services if the modification is contrary to the manufacturer’s software or hardware guidelines, including disabling hardware or software controls—sometimes referred to as “jail broken.”

5. Your Content

You retain all rights to your content when you upload it into our Services, but you do give us broad rights to use, modify, and display your content in our Services, and share it with our third party partners to facilitate the Services. You can see specifics on the rights you grant us below.

Also, anything you provide us or make available to the public through our services must not contain anything that we think is objectionable (e.g., illegal, obscene, hateful or harmful to you, our customers or us). We can remove any content at any time.

The Services may include functionality for uploading, selecting, creating, or providing suggestions, recommendations, feedback, stories, photos, documents, logos, products, loyalty programs, promotions, advertisements, business information, and other materials or information (“Content”).

You grant us and our subsidiaries, affiliates, successors, and as authorized by Square in our sole discretion, third parties, a worldwide, non-exclusive, royalty-free, fully-paid, transferable, irrevocable, perpetual, and sub-licensable right to use, reproduce, modify, adapt, publish, prepare derivative works of, distribute, publicly perform, and publicly display your Content throughout the world in any media for any reason, including to provide, promote, facilitate, and/or incorporate into the Services on “cash.app” web domains and other affiliated products and services offered by us, including on Cash App and your Online Ordering Profile. Any use of your Content by third parties is subject to those third parties’ terms. You retain all rights in your Content, subject to the rights you granted to us in these General Terms. You may modify or remove your Content via your Square Account or by terminating your Square Account, but your Content may persist in historical, archived or cached copies and versions available on or through the Services.

You will not upload or provide Content or otherwise post, transmit, distribute, or disseminate through the Services any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or Intellectual Property Rights; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Square’s or its partners’ products and services, as determined by us in our sole discretion; or (f) in our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Services, or which may expose Square, its affiliates or its customers or other persons to harm or liability of any nature.

You acknowledge that Square acts solely as an online service provider and hosting platform with respect to all Content, which is stored, displayed, and made available at your direction. Square’s role in hosting, displaying, or facilitating access to Content, including through tools or features that assist in choosing, selecting, creating, or refining Content, does not constitute authorship or editorial control. Your use of such tools does not alter Square’s role as a host and service provider under the Digital Millennium Copyright Act (17 U.S.C. § 512), and you remain solely responsible for all Content.

Although we have no obligation to monitor any Content, we have absolute discretion to remove Content at any time and for any reason without notice. Square may also monitor such Content to detect and prevent fraudulent activity or violations of the Terms. You understand that by using the Services, you may be exposed to Content that is offensive, indecent, or objectionable. We take no responsibility and assume no liability for any Content, including any loss or damage to any of your Content.

6. Copyright and Trademark Infringement

We respect the intellectual property rights of others and ask you to do the same. We have adopted an Intellectual Property Policy regarding third-party claims that your material infringes the rights of others. We respond to all valid notices of such infringement, and our policy is to suspend or terminate the accounts of repeat infringers.

7. Security

We take security incredibly seriously, but can’t guarantee that bad actors will not gain access to your personal information. You need to do your part by keeping your passwords safe, being smart about who has access to your account and which of your devices can access our services, and letting us know if you think an unauthorized person is using your account.

If there is ever a dispute about who owns your account, we are the decision-maker.

We have implemented technical and organizational measures designed to secure your personal information from accidental destruction, loss, alteration and from unauthorized access, use, alteration, or disclosure. However, we cannot guarantee that unauthorized third parties will never be able to defeat those measures or use your personal information for improper purposes. You provide your personal information at your own risk.

You are solely responsible for safeguarding your password and for restricting access to the Services from your compatible mobile devices and computer(s). You will immediately notify us of any unauthorized use of your password or Square Account or any other breach of security. You will immediately take all reasonable steps to mitigate the effects of a security breach and will cooperate with Square and provide all information requested by Square to remediate the breach. Any assistance provided by Square in relation to a security breach does not in any way operate as acceptance or acknowledgement that Square is in any way responsible or liable to you or any other party in connection with such breach.

Notwithstanding Sections 21 and 22, in the event of any dispute between two or more parties as to account ownership, we will be the sole arbiter of such dispute in our sole discretion. Our decision (which may include termination or suspension of any Square Account subject to dispute) will be final and binding on all parties.

8. Privacy

We respect your privacy. Your use of the Square Services is subject to our Privacy Notice, which describes how we collect, use, and disclose your personal information.

When processing personal information on your Personnel or customers, both parties will comply with their obligations under Square’s Data Processing Agreement, which forms a part of these Terms.

Your Personal Information By using any of our Services as a Square seller, you acknowledge our data practices that apply to you, as set out in the Square Account Holder Privacy Notice (the “Privacy Notice”). The Privacy Notice explains how Square collects, uses and protects the personal information you provide to us where Square makes use of your personal data to provide you with the Services or for its own purposes. You are required to familiarize yourself with the Privacy Notice prior to using the Services.

Personal Information of Your Personnel and Customers Square will process personal data of your Personnel or customers in accordance with the Data Processing Agreement and any privacy notice applicable to the specific products or services that you use. Each party will comply with its respective obligations under the Data Processing Agreement, which is incorporated into these Terms by reference.

9. Communications

You consent to us sending messages to your email or mobile devices about your account or our services, which may include marketing. You can opt out of communications in ways that are specific to that communication method, such as by unsubscribing from emails, or replying to text messages with ‘STOP’.

On your own behalf and on behalf of your business and Personnel, you consent to accept and receive communications from us, including e-mail, text messages, calls, and push notifications to the cellular telephone number you provide to us when you sign-up for a Square Account or update the contact information associated with your account. Such communications may include, but are not limited to requests for secondary authentication, receipts, reminders, notifications regarding updates to your account or account support, and marketing or promotional communications. You acknowledge that neither you nor your Personnel are required to consent to receive promotional texts or calls as a condition of using the Services. Call and text message communications may be generated by automatic telephone dialing systems. Standard message and data rates applied by cell phone carriers may apply to the text messages we send you and your Personnel.

You may opt-out of receiving promotional email communications we send to you by following the unsubscribe options on such emails. You may opt out of any promotional phone calls by informing the caller that you would not like to receive future promotional calls. You may only opt-out of text messages from Square by replying STOP. You acknowledge that opting out of receiving communications may impact your use of the Services.

We also provide Services that allow you to send short message service (SMS) messages to your customers (the “Seller-Initiated SMS Services”). You will only use the Seller-Initiated SMS Services in compliance with these Terms and all other applicable laws and regulations of the jurisdiction from which you send messages and in which your messages are received.

10. Paid Services

Lots of what we offer is free, but we offer paid services too. We can collect payments for a paid service by either charging your linked debit/credit card or taking the payment from your transaction proceeds, Square-account balance or linked bank account.

We’ll give you reasonable advance notice if we change our subscription fees, and you can cancel your subscription at any time.

Square’s Services include both paid-for Services (“Paid Services”) and free Services, for which no additional fees are charged (“Free Services”). Square offers certain Paid Services to be paid for on a recurring basis (“Subscription Services”) and others on an as-used basis ("Usage-based Services"). Subscription Services may subject you to recurring fees and/or terms. By signing up for a Subscription Service, including after any free trial period, you agree to pay us the subscription fee and any applicable Taxes (as defined below) (“Subscription Fee”). Usage-based Services may subject you to fees charged per usage and/or terms, including transaction volume. By using a Usage-based Service, you agree to pay the fees and any Taxes incurred at the time of usage (“Usage-based Fees” and, together with Subscription Fees, the “Paid Service Fees”). See Payment Terms for terms applicable to Payment Services.

In general, Paid Service Fees may be paid by debit card, credit card, or deducted from your transaction proceeds; however, Paid Service Fees related to hardware may only be paid by debit card or credit card. If you link a debit or credit card to your account, you authorize us to collect Paid Service Fees by debit from your linked debit card or charge to your linked credit card. Regardless of payment device or method, we reserve the right to collect Paid Service Fees by deduction from your transaction proceeds, the Balance (as defined in the Payment Terms) in your Square Account or your linked bank account.

Unless otherwise provided in a Subscription Service’s terms, Subscription Fees will be charged on the first of every month until canceled. You may cancel a Subscription Service at any time from your Square Account settings. If you cancel a Subscription Service, you will continue to have access to that Subscription Service through the end of your then-current billing period, but you will not be entitled to a refund or credit for any Subscription Fee already due or paid. We reserve the right to change any Subscription Fee upon reasonable advance notice. Your continued use of Subscription Services after notice of a change to our Subscription Fee will automatically establish your agreement to such changes.