• Report: #720524
Complaint Review:

Square Up

  • Submitted: Thu, April 21, 2011
  • Updated: Fri, June 29, 2012

  • Reported By: RedWingsFan — Atlanta Georgia United States of America
Square Up
(unknown) San Fancisco, California United States of America

Square Up Squareup Sqaure up, credit card processor, process credit card on your mobile phone, credit card pos, android credit card processor, iphone credit card processor, ipad credit card processor San Fancisco, California


*Consumer Comment: Square up

*General Comment: Please include us in this class action lawsuit

*Consumer Comment: sqaure is not legit - class action lawsuit pending

*Consumer Comment: Square Up is legit

*General Comment: Read the FAQ's

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Not only have I served our country overseas, I was born here in America and I've been in business a long

time here. I've owned multiple stores and more recently Im dealing with more

internet businesses.

I found what I thought to be a cool new app for my android phone called

"Square Up" where I can take credit card payment over the phone

First sign of a scam was NO PHONE NUMBER OR ADDRESS of business. You cannot

track this company down once they STEAL your information, which they will do!!!

The reason the may seem

legit is because they process small transaction with ease <$50.

Anything above that WATCH


A friend, and business associate of mine, partnered up to do some online work. He paid me $1000 using

my SquareUp App.

As soon as I entered the amount, I got basically an auto response saying My account is flagged due to fraud because I did not send a receipt.  Thanks-Risk

Management Team

I was blown away So then I sent an email back saying, lets rectify this, there is a misunderstanding, this

is not fraud, this is a friend of mine and we can both verify whatever nformation you need.


Days and a few emails later An email saying You are not authorized for this transaction-You keyed the entry in

I told them Yes I did key

it in my friend gave me his CC# over the phone.


Days and emails later I even send them a receipt signed from my friend, my friend tries to email them and

gets no response.

Then I get a response:

saying Explicit consent to

authorize your customer's card which substantiates that your client agrees to

the services you are rendering.

What is more explicit then a signed receipt? NOW FOR THE WORST PART!!!

My friend and I have both requested a refund of the money. And NO RESPONSE!!!!


who holds money to gain interest on their account, similar to PayPal, but

PayPal always gives you the money We are filing a class action lawsuit so if

you would like in, please contact us and we will include your name on the lawsuit.

Thank You.









 which once they no you hve money in your

account, they will do.

This report was posted on Ripoff Report on 04/21/2011 03:53 PM and is a permanent record located here: http://www.ripoffreport.com/reports/square-up/san-fancisco-california-internet/square-up-squareup-sqaure-up-credit-card-processor-process-credit-card-on-your-mobile-ph-720524. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment


AUTHOR: South FL Notary Guy - ()

I am definitely interested in joining the class action lawsuit.

I have a mobile notary service where it is important to be able to accept credit cards on the go. After making a few transactions my account could not be verified. There were several information request and emails back and forth. They do not offer live phone support so you are at their mercy when it comes to email.

They would constantly reply saying the information was incorrect so I stopped using their product and requested a paper check to be sent to me for the remaining balance owed to me.

They again responded asking me to verify my information and provide the last three numbers of the bank account I have on file. Well since the information I provided was not verified, according to them, why would they ask me to verify an account number?

I sent them the information they request and got a reply stating that they are closing my account and holding my money for 3 months. After the 3 months I will be able to make another request in which im sure they will be asking me to verify the same information that I have been verifying for the last 2 months. 
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#2 Consumer Comment

Square up

AUTHOR: Debo29127 - ()

Square was working for me until I did a big transaction after I got an message saying my account was being frozen I looked for a phone number only to realize there no one to talk to. I sent a email and they told me that there decision was final and that my finds wood be held for 90 days I need help bad my transaction was over 300 bucks I can really use that money to take care of my newborn son. All I was doing was transferring money from one card to another account. I need help Square Is dead wrong!
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#3 General Comment

Please include us in this class action lawsuit

AUTHOR: Aptcond - (United States of America)

Same thing happened to us 4000 dollars naples laser lipo in naples fl please contact us
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#4 Consumer Comment

sqaure is not legit - class action lawsuit pending

AUTHOR: square_up_inc_is_not_legit - (United States of America)

Square , inc was filed in the state of DELAWARE. Their central index key# is: 0001512673.

SEC ACT: 1933 Act
SEC FILE NUMBER: 021-166632
FILM NUMBER: 111251510
FILE NUMBER: 415-375-3176
ACCESSION NUMBER: 0001512673-11-000004
Address: 901 MISSION STREET #104 , San Fransisco, CA
Square's previous name was: Seashell, Inc.

Their board of directors/partners are:
Jack Dorsey (owner/founder of Twitter), Mike McKelvey, Roelof Botha, Vinod Khosla, Lawrence Summers, Mary Meeker, Keith Rabois.

They have 17 investors.

There are countless complaints all over the internet about Square. Just google it. The majority of the complaints appear to be about the same thing, Sqaure taking peoples money, not depositing it, and not answering emails or phone calls afterward. Sure no problem with freezing a customers funds if there is a legit concern, or to perform an account review to protect the card holder as well as the company from possible fraud. That's not the problem. The problem is Square freezes your deposits , with absolutely no notification. Typically once a customer hasn't received any deposits for 4 days they'll contact Sqaure - or attempt to. They do not answer emails, or pick up the phone. There are countless complaints of people who have used Square to do simple point-of-sale transactions, and the money was never deposited. Many people have been trying to get a hold of Square for over a month regarding their funds and Square never responds. They don't list their phone number on the front of their web site, you have to dig around for it. They do this on purpose to avoid communication with customers. Anybody out there who run's an internet business can see this picture clearly for what it is. Square doesn't list their number where it can be found quickly because they are in the practice of taking your money and ignoring you when you ask what happened to it. I'm a former customer of square who had the same situation. But don't take it from me. Just do a little bit of research on the web. You'll find countless nightmare stories about square. I don't know of any other company that processes credit cards who will not list their contact number on their front page, or purposely ignore their clients especially when they have their funds. Square say's they are committed to responding to any inquiry or problem you have within 24 hours. This is not true. They mislead individuals and businesses and take their money. . .  A lot of people say they have done research and cannot find the companies address , phone , etc. However you CAN find this information but you have to dig around. I posted this at the top of my comment. They rather you not know this information because they are obviously aware many people and businesses are furious with them. There is a class action lawsuit pending for any customers of Square, inc who have lost funds and or suffered damages due to their funds being taken without receiving any notification or followup , as Square is clearly and purposely misleading it's customers.
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#5 Consumer Comment

Square Up is legit

AUTHOR: Steve - (United States of America)

For what it's worth, Square Up is not a scam. They're legit. I have friends that work there, plus I've used them myself for smaller (less than $200) transactions. If you want to reassure yourself of this, do a search of "Square Up" on Google News. 

The same guy who founded Twitter also founded Square Up, and recently (as the first response already mentioned), Visa International purchased a large chunk of the company.  

Their interest is a little high, but their mobile application is extremely well polished and the best one out there for small transactions. Here is their office address. And yes, I do agree that it's bad form for them not to provide a real address (or a P.O. Box at the very least) on their web site. 

Square Up
110 5th St 
San Francisco, CA

I'd address your complaint to their legal department if I were you. And/or if you'd need your money sooner, I'd ask your friend to request a charge-back from his bank on the transaction (just say that "Square Up" is being non-responsive and keep a log of all the times you've both tried contacting them, and mention the fact that they don't have a mailing address or a phone number on their actual web site).

And please do not assume the worst when writing your letter. Their Terms of Services do say that transactions over $1,000 that are keyed-in will be held for up to 30 days pending verification. And yes, they probably make money on interest for those 30 days, and they're probably evil because of that, but with all the scams and identity thefts on the internet these days, it's probably also a wise move on their part to wait at least 30 days before disbursing such funds.  

In any case, I wish you luck.  Please post back your results on here, positive or negative. I'd like to know how they end up handling your issue. 

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#6 General Comment

Read the FAQ's

AUTHOR: Copycat - (United States of America)

Here is their customer service number (415) 375-3176

I appreciate that you served over seas. I was recommended to Square up from my bank which is Chase. They are a investor in the new and ever expanding company. So is Visa. So to say they are a scam is kinda rediculous. The best thing to do before signing up for any service is to read the FAQ's. Before you joined the service I am sure you went over plenty of information available to you, this way you could make an informed decision. In their FAQ's they state that any account that is "new status" would be monitored and transactions reaching $1,000 in a weeks time would be held for a period of time.

I read that and knew I would go over the threshold very quickly, so I emailed them and explained my business in short and let them know most of my transactions would be manually keyed in. They sent me a link to a form to fill out the very next day. The form is for an increase request. I filled out the 10 question form and they responded 2 days later with a decision to increase my limit to $3,000 weekly for manually keyed in CC's.

The threshold has absolutely nothing to do with swiped cards. There is no limit to them.

When you first signed up and the first card you ran was for $1,000 manually keyed in is a huge risk for that company, especially when you just signed up and they have little or NO background of your processing history.

If I were them and seen that happen I would have immediately froze your account for further review as well. Nothing personal, just business. When the card is swiped, it is less risk on the merchant company.

In conclusion, I have to say Square Up is a very reputable company and just make sure anyone reading this, please read any FAQ's before you sign up for any service, especially if it has to do with your money.

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