Square

I’ve had square since ... I’m pretty sure 2010.. low volume needs, So no annual fees or membership costs is ideal, just pray you don’t need ANY form of customer service, or encounter a dispute of any kind. Not only do they make zero attempt to cater to their own clients, they seem to relish the chance to be rude, abrupt, and completely unhelpful. The first instance I encountered a problem, $300 had vanished from my bank account, quickly traced to Square, my phone app cited “goods returned” by customer, refunded. The only thing I sell is tattoos, and returning one would require dismemberment, an unpleasant occurrence that I assure you I would remember. When I contacted Square and asked for an explanation, as this was clearly a mistake on their part, they insisted that I had initiated the refund by means of my phone application. I had not, and when I expressed this, they argued with me that the only way this was possible was by my doing. I again assured them I had not refunded anything to anyone, so either it was a pocket dial refund (to which they expressed that was impossible due to the number of precise steps it would take for that to process) or my account had been hacked ... I believe the employee chuckled at that, oddly I was not amused. They had no suggestions for me as to who I should contact to rectify the erroneous “return” that I DID NOT initiate. ...at any rate I was missing money that I had earned and wanted returned to me. Not only did they deny me any assistance whatsoever, they wouldn’t even give me my customers into so that I could contact them and redo the transaction. Eventually I was able to figure out who it was and although embarrassing, I had to reach out to the customer myself and request they pay me again, this time with cash. I stopped accepting credit cards for a year as a result of the poor customer service I experienced...I had been a client for 5 years and that clearly meant nothing to Square. Recently (last year) I slowly started accepting credit cards again and next thing you know, a $300 transaction complete with $15 tip was disputed and taken from my account. I wasn’t notified prior, there was no opportunity to question the action, by the time I saw it it had already happened. I contacted Square, they informed me that the client had disputed the transaction claiming they didn’t know what it was for, I had recently changed the bank account accepting Square payments, and hadn’t set up the account to display my logo or business name, it only appeared as my name. As soon as the client realized this, they cancelled the dispute. Even though the funds had immediately been taken from my account claiming I had no chip reader only mag swipe hardware so the dispute was automatically found in their favor, even though this was not what was contested or the reason for dispute...the client had not received the refund, and had, as far as they were concerned, successfully cancelled the dispute. I on the other hand, was passed back and forth between Square and the clients bank for literally weeks, ran around in circles, each passing the buck numerous times, leaving me sitting on hold 45 min, hour at a clip, often to be asked to hold for the right department, and then after another 20 min on hold, I was just hung up on. This happened more than twice. To wrap this up, Square told me I should just contact the client and run the card again. But they had not received a refund, so I would be asking them to pay twice.. I told Square this, they were of no help. After 2 1/2 months of mindblowing incompetence on both parties account, I was told I’d receive the refund but I’d have to be patient. That was September of 2018. I’m still fighting with Square even though I sent them proof that the bank sent my money back to them in October of 2018. It’s March 30th 2019 now. SQUARE IS A TERRIBLE COMPANY THAT DOES NOT GIVE ONE S$&T ABOUT YOU