Square US - Reviews and experiences

I’m relieved-ish that things didn’t get even worse, but man, what a mess to go through. I had to shut my little business after my parent passed away, so I was selling off equipment and trying to tie up loose ends — stressful, emotional, all of it. I used Square to take a payment for a piece of gear, the sale was legitimate, no funny business, and the payment actually processed fine. Then my account was deactivated and Square told me they’d hold the funds for 90 days. That knocked the wind out of me, honestly. I explained why I was closing up shop, explained the sale, showed whatever paperwork I could, but the hold stayed. Because I needed cash right away I refunded the customer with hopes they’d pay me directly, but since they’d paid by card they couldn’t just hand me cash later — so I ended up without the money and without the equipment. Not great, not great at all. Still, I’m kind of thankful for small things: the transaction record existed, the buyer was cooperative, and at least I could explain everything clearly to support — even if it didn’t change the timeline. I’m sharing this because if you’re in a similar situation (bereavement, closing shop, whatever) be extra careful and maybe plan for a long hold. I’d like Square to do better here — faster reviews, more flexibility when there’s clear documentation. Overall I’m glad things weren’t further complicated, and I hope a fair resolution comes quicker for others. Just be warned and keep receipts and messages handy.