Credit card users who feel helpless when dealing with merchants that provide shoddy goods and services should know they have a powerful tool available to them: chargebacks. A chargeback occurs. Sep 09, 2013 As Shearman notes, card company contracts with merchants play a major role in regulating how they are used. The most recent notable exception is the provision that allows retailers to impose a $10 minimum purchase requirement for credit card customers.

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Under one, there is no up-front fee. Charges are 2.75 percent per swiped transaction. If you enter the card manually, the charge is 3.75 percent with no 15 cent charge. One of the benefits of paying for purchases with a credit card is that you don’t have to pay off what you owe immediately. However, if you always clear your credit card balance in full each month and are looking for a card which comes with added benefits, it may be worth considering a charge card. For when you can't figure out what the heck is that strange charge on your credit card statement. Currently indexing 108,869 unique credit card line item charges. Aug 27, 2019  The settlement will allow businesses to reduce the impact of credit card processing fees.However, there are many rules businesses must follow in order to charge checkout fees, as well as pros and cons that should be considered before deciding if surcharging your customers when they use credit cards is the right move for your business.

Square is a payments, point-of-sale (POS), and business management tool for small businesses. Square charges a flat-rate payment processing fee, and businesses can use Square’s POS app for free. Additional features, such as marketing and payroll, are available for a monthly fee. Square offers an affordable solution that can be customized with different features.

How Square Pricing Works

Square is a software-as-a-service (SaaS) company that does not require contracts or upfront payments for any of their software or payment processing tools. Instead, Square is billed monthly and on a month-to-month basis. Payments processed with Square have a flat fee deducted from your transactions. Visit Square to get a free account.

Square Pricing & Square Fees at a Glance

Square has a very simple fee structure. Square POS is free to use, and you can add on extra features as needed for a small fee. Square Payments has no monthly or startups costs—you just pay transaction fees as you go.

Here is a list of all Square fees:

Square Payment Processing Fees

• In-person and mobile card payments: 2.75%*
• Online payments: 2.9% plus 30 cents per transaction
• Keyed-in and invoice payments: 3.5% plus 15 cents per transaction

*Note: Square offers a lower processing rate for businesses that purchase Square Register or Square Terminal hardware, or Square Retail or Square Restaurant software.

Square Software Fees

• Square POS: $0 to free to download and use
• Square Retail: $60
• Square Restaurants: $60
• Square Loyalty: From $45 per month
• Square Marketing: From $15 per month
• Ecommerce: From $8 per month

Square Hardware Fees

• Magstripe card reader: First reader free, additional $10
• Chip card reader: $49
• iPad stand: $199
• Square Register: $999 or $49 per month for 24 months
• Square Terminal: $399 or $37 per month for 12 months

Note: Square has recently changed its flat-rate fee of 2.75% to 2.6% + 10 cents per transaction. We will update the pricing and our ranking of providers in the next update of this article.

Who Square Is Right For

Square’s low cost and easy-to-use programs make it a great fit for new and startup businesses, businesses like market vendors and food trucks that need mobile payment processing, and cafes and small brick-and-mortar businesses. Square’s flat-rate payment processing fees also make it a great fit for any business that has average transactions below $20. It’s completely free to create a Square account and test the features for yourself.

Square Fees for Payment Processing

From mobile and in-store sales to online selling and invoicing, Square ties all of your business’ payment processing needs into one tidy package. Here’s a quick overview of everything Square offers and the costs involved, including the types of payments you can process, the equipment you might need, and other services.

Square Payment Processing Fees

Payment Need	Square Payments Fee
In-person Sales Mobile payments & in-store POS sales	2.75% per transaction
Online Payments Online store sales & online invoice payments	2.9% + 30 cents per transaction
Virtual Terminal & Recurring Payments Phone orders, automatic & keyed-in payments	3.5% + 15 cents per transaction

Whatever payment methods you use for your business—in-store, online, or virtual terminal—you’ll enjoy the same core features and services:

• No monthly fee to accept and process credit cards
• All payments and sales are tracked together in your Square dashboard
• Accept Visa, Mastercard, Discover, American Express, JCB, and UnionPay
• Same rate for all cards and card types: debit, credit, prepaid, rewards, and corporate
• Deposits made within one to two business days
• Instant deposit available for an additional fee of 1%
• Chargeback protection free for sellers and covers disputes up to a total of $250 per month
• Custom pricing for sellers with annual revenues over $250,000 and average ticket size over $15

Why Do Square Payment Processing Fees Differ?

Did you notice above that some payment types charge a higher fee than others? Square’s payment processing fees are based on how the sale is made: in-person, over the phone, or online. Some have higher fees than others based on the risk involved. Square also offers lower processing fees for customers who opt to purchase Square Register or Square Terminal hardware or Square Retail or Restaurant Software. Here’s a closer look at what these risks are, and how they apply to your business:

In-person & Mobile Square Fees Explained

In-person sales where you physically handle the buyer’s card are called card-present transactions. Card-present payments have lower fees than online payments since you can check the customer’s ID against the card, creating a lower fraud risk. These transactions can be made via:

• Swipe: Swipe the card’s magnetic strip through a card reader.
• Dip: Insert a chip card into a chip card reader; this is considered a more secure transaction than a swipe.
• Tap: These are contactless transactions made using mobile wallets like Android Pay or Apple Pay.

The processing rate is the same for all card-present transactions. If you are using Square’s free POS and any of the standalone swipe or chip readers, the card-present processing fee is 2.75%.

However, businesses that purchase extra Square hardware and software products pay the following processing rates:

• Square Register: 2.5% plus 10 cents per transaction
• Square Terminal: 2.6% plus 10 cents per transaction
• Square Retail: 2.5% plus 10 cents per transaction
• Square Restaurant: 2.6% plus 10 cents per transaction

Square Terminal has built-in swipe, chip, and contactless payments plus receipt printing.

Online & Virtual Terminal Square Fees Explained

Payments, where you aren’t face-to-face with the buyer, are called card-not-present (CNP) transactions. These transactions include virtual terminal and online store sales, as well as online invoices and recurring payments. Card-not-present transactions have higher fees than card-present sales because you can’t check the customer’s ID against the card, creating a higher fraud risk. You’ll see these transactions called:

• Keyed-in payments: This is where you type a customer’s card into the virtual terminal on your Square account dashboard. This is handy for taking credit card payments over the phone for orders and invoice payments.
• Card-on-file payments: These are automatic or recurring payments made when your customer gives permission to keep their card on file for regular payments.
• Online payments: These are orders placed in your online store or invoices paid online.

Square has two different processing fees for card-not-present transactions, and we list those below. But the good news is that these types of payments have no equipment costs since they all are processed using your free Square account dashboard.

Square Online Payment Types & Fees

CNP Payment Type	Square Service	Square Fees
Keyed-in	Square Virtual Terminal	3.5% + 15 cents/transaction
Card-on-File	Square Recurring Payments	3.5% + 15 cents/transaction
Online Payments	Square Online Store	2.9% + 30 cents/transaction
Online Payments	Square Invoicing	2.9% + 30 cents/transaction

Square Card Reader Fees

Mobile payments and in-store sales require credit card readers to accept payments. Square has a variety of readers that let you swipe, insert, or tap cards to process payments. Each of these work on smartphones or tablets using Square’s free point-of-sale (POS) app.

Square Mobile Payment Readers

• Square magstripe reader: First reader free, $10 for additional
• Square mobile chip reader: $35
• Chip and eWallet payments: $49, optional phone case $49; comes with a free magstripe reader

Square In-Store Payment Readers

• Chip & eWallet payments: $49, countertop dock $29; comes with a free magstripe reader
• Square stand for contactless and chip: $199 or $18 per month for 12 months; iPad not included

Square Full Register Systems

• Square terminal: $399 or $37 per month for 12 months
• Square register: $999 or $49 per month for 24 months

Square Reader can be secured to a smartphone for mobile payments or docked on a countertop for in-store sales.

Square Software Fees

Square has grown from a payment processing solution into a cutting-edge platform that supports your entire business, offering a slick, free point-of-sale system, online store, plus a full suite of business, customer, inventory, and marketing management tools. Many features are free but some have added costs.

Square Business & Sales Management Features

These are the basic operating features that keep your business running smoothly and help you stay on top of all your sales activities and data. All of the features below, except for Square Appointments, are free and included with a standard Square account.

Square Business & Sales Features

Square Feature/Service	Description
Square Dashboard & Dashboard Mobile App	Gives you access to all aspects of your Square business in one convenient dashboard
Point-of-Sale App	Allows you to accept mobile, retail, and online payments within the mobile app
Location Management	Manage multiple locations from your single Square dashboard
Business Analytics	Run reports on activity by sales, category, item, location, employee, date, and more
Online Store	Launch a fully integrated online store from your Square inventory list and process all orders with your Square dashboard
Invoices	Generate invoices for print or email and accept online payments from customers
Recurring Payments	Generate recurring invoices automatically and process recurring card-on-file payments
Square Appointments	Online appointment booking system from $30 per month

Square Customer Relationship Management & Marketing Features

Square brings all of your key marketing and customer relations tasks under one roof and integrates it with all of your customer data. You can craft email campaigns that are fine-tuned to grab customers’ attention and bring in more sales, plus use feedback and loyalty programs to keep your name top-of-mind.

Square CRM & Marketing Features

Square Feature/Service	Description	Cost
Customer Directory	Stores customer profiles and activity for sales tracking, email marketing, etc.	Free
Square Marketing	Create customized and segmented email marketing campaigns using your customer directory, integrates with Facebook	From $15/month
Feedback	Manage customer issues, issue coupons and refunds, respond to feedback, and track customer satisfaction ratings and trends	Free
Square Loyalty	Mobile app-based Digital rewards loyalty program based on customer activity	$25/month per location
Gift Cards	Physical gift cards that your customers can purchase and that you track within your Square point-of-sale system	From 80 cents/card
EGift Cards	Online gift cards customers can purchase through your website	Free

Square Employee Management & Payroll Features

Square’s Employee Management feature lets you easily manage key employee activities including system access, role assignments, and timekeeping, even across multiple locations. Plus, the added Square Payroll service fully integrates to simplify all of your payroll tasks.

Square Employee Management Features

Square Feature/Service	Description	Square fees
Employee Management	Easily manage employee passcodes, timecards, tips, and roles across all Square systems	$5/month per employee
Square Payroll	Payroll services to handle all payroll reporting activities, paychecks, tax payments, timecard data, and time off, plus pay contractors	$25/month + $5/month per employee

Square brings a lot of functionality to the table, and many valuable features are included at no cost in your free Square account. Since everything integrates seamlessly, you can easily add services as your growth demands. Best of all, every feature ties into your existing data the minute you turn it on.

Square Retail Pricing

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Square Retail is an upgraded version of the free Square POS with extra features specifically designed for managing a retail store, such as advanced inventory management, sales profit calculators, and employee management. Square Retail is $60 per month. Like the standard Square POS, Square Retail has great user reviews. When you subscribe to Square Retail, you also receive a discounted payment processing rate of 2.5% plus 10 cents per transaction.

With Square Retail, businesses can create and manage purchase orders.

Square Restaurant Pricing

Square Restaurant is an upgraded version of Square’s free POS with extra features designed for managing a restaurant, such as menu creation, table management, tons of customization options, and order delivery add-on. Square Restaurant is $60 per month per location and register. Additional registers are $40 per month. Square Restaurant offers a discounted payment processing rate of 2.6% plus 10 cents per transaction. Visit our Square Restaurant Ultimate Guide for more information.

With Square Restaurant, businesses can create custom menus and floor plans.

Square Ecommerce Pricing

Square has a partnership with Weebly so businesses can create an ecommerce site with Square payments for a little as $8 per month. Your Weebly ecommerce site is integrated with your Square dashboard, so that inventory and customer data is synced across all platforms. When you sell on a Weebly site, Square’s payment processing fee is a flat 2.9% plus 30 cents per transaction

With Square and Weebly, businesses can create professional websites with custom domains.

Square Marketing Pricing

Square offers a marketing add-on for the free Square POS system that includes email and Facebook marketing with custom campaigns that can be targeted to specific customers. Square Marketing starts at $15 per month. But Square offers a free trial for their marketing feature. Click for a free trial.

Create custom email campaigns with Square Marketing.

Square Loyalty Program Fees

Square Loyalty is a point-based rewards program that uses the customer directory that is built into the free Square POS. Square Loyalty tracks customers based on their payment method once they sign up. Businesses can customize whether shoppers are rewarded per visit or per dollar spent. Businesses also choose when and how many rewards are offered in the program. Square Loyalty starts at $45 per month and includes up to 500 loyalty visits. Like Square Marketing, Square Loyalty also has a 30-day free trial. Try Square for free.

Customers can enroll in Square Loyalty at checkout with their phone number and receive SMS text updates.

How to Process Payment Using Square

To process payments using Square, the first step is to sign up for a free Square account. Then, if you are selling in-person, your free card reader will arrive in the mail. You can also purchase additional readers. Set up your products in the Square Dashboard, download the free Square POS app, and you can start selling.

For online payments, you can connect Square to your existing ecommerce site with a plug-in. Or, you can create an ecommerce site using Square and Weebly for as little as $8 per month. For more details, read our full guide on how to use Square Payments.

15 Square Alternatives

Square Alternative	Good For:
Low-cost payment processing
All-in-one payment processing & POS for brick-and-mortar stores
Ecommerce retailers
High-volume or growing brick-and-mortar retailers
Small businesses wanting a free POS with loyalty program
Small brick-and-mortar businesses wanting a tablet POS with detailed inventory management
Small ecommerce businesses wanting a custom online checkout
iPad POS for restaurants
High-volume businesses wanting affordable payment processing
POS & mobile payments for businesses that use QuickBooks
Brick-and-mortar retailers wanting an iPad POS
Established brick-and-mortar businesses wanting low-cost payment processing
Retail businesses wanting a POS that incorporates foot traffic data
Chase business customers wanting a mobile payment processing app
High-risk businesses wanting affordable payment processing

Bottom Line

Square is best known for its white, square-shaped mobile card reader and payment processing service. But Square has grown into a platform that supports your entire business, including payment processing, business management, online selling, marketing, and much more.

The nice thing about Square is that with it, you can easily craft a full sales and business management solution on any budget. Core features are free, and you only pay the Square fees for credit card processing, certain processing equipment, and optional advanced features. So with Square, you only pay for what you actually need. Visit Square to sign up for a free account.

Square credit card processing offers an affordable, easy, and immediate way of accepting card payments. Square comes with a suite of free business management tools like customer directories, an online store, inventory tracking, and customer feedback collection. Learning how to use Square means you can get the most out of Square’s free tools.

Square’s credit card processing gives you a variety of transaction options at affordable prices, along with a full management toolkit including a free point-of-sale app. Plus, Square has tons of other software add-ons like email marketing and loyalty programs. Visit Square to get started with a free account and mobile card reader.

How to Use Square Credit Card Processing

Square lets businesses accept credit card payments via the mobile point-of-sale (POS) app, in-store through a traditional point-of-sale setup, via an online store, through a virtual terminal for phone or keyed-in payments, and through invoices. The first step in using Square credit card processing is signing up for a free account.

Square offers a variety of ways to accept credit card payments.

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After entering some basic information, including an email address and password, you will select how you want to use Square to accept credit card payments. Then, you’ll confirm your identity and link your bank account to finish creating your free Square account. Unlike traditional merchant accounts, Square does not require an application or credit check. Once your account is set up, you’re ready to learn how to use Square credit card processing.

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How to Use Square Mobile Payments

To use Square to accept mobile payments, you’ll need to download the free Square point-of-sale (POS) app on an Apple or Android smartphone or tablet. When you sign up for your free Square account, you can choose to have a free magstripe card reader mailed to you. You can also purchase other card readers to accept chip and contactless card payments, or key-in the card number to process mobile transactions.

When creating a free Square account, you can send yourself the link to download Square POS.

Once you set up your free account, download the mobile POS app. Then, create your inventory items with pricing and tax settings. These can be added individually through the POS app, or uploaded in bulk through your Square dashboard, which you can access through Square’s website. Any products or settings that you add or change in the POS app will be synced to the dashboard, and anything you change in Square dashboard will be automatically synced with Square POS app.

To use Square to process mobile payments, follow these steps:

1. Open the Square POS app on your phone or tablet.
2. Connect the Square card reader to your phone or tablet.
3. Type in a charge amount or select an inventory item.
4. Swipe (or manually key in) the customer’s credit card.
5. Have the customer sign the screen with their finger.
6. Hit Done to complete the sale.
7. Enter the customer’s email or mobile number to send a receipt (optional).

Square mobile POS has built-in tutorials that teach you how to accept credit card payments, create invoices, and more.

Use Square Mobile Payments to Run Your Business

Square’s mobile POS app is a very powerful sales and inventory management tool that seamlessly ties into your online Square dashboard. With it, you can maintain many aspects of your business using just your smartphone or tablet, such as:

• Manage inventory: You can add items to your Square inventory list, track your quantities in stock, and even record key details like wholesale costs. When you make a sale, Square automatically reduces item inventory levels so your stock numbers are always correct.
• Track sales: Every mobile sale is tracked in detail, and you can access sales reports to help you track growth and make key business decisions. Plus, if you sell via other methods, like online or in-store, all of your sales tie together seamlessly in one system.
• Manage customers: Square’s mobile app lets you enter and track your customer data, such as email addresses and purchase history, so you can provide better service or grow your business via email marketing.

What It Costs to Use Square Mobile Payments

Square’s mobile credit card processing has no monthly fees. Each swiped mobile transaction has the same flat-rate fee of 2.75%. This means your costs are easy to understand and predict; fees don’t fluctuate with different card types or transaction amounts.

Square also comes with a free magstripe card reader with your account, and your only ongoing costs are your credit card processing fees. You can buy a more advanced card reader to accept chip cards and contactless payments if you wish.

Square mobile payment costs include:

• Setup and monthly fees: $0
• Cancellation fees: $0
• Square mobile POS app: $0
• Magstripe reader: Free (additional $10 each)
• Chip and contactless card reader (optional): $49
• Swipe, tap, and chip processing fee: 2.75%
• Keyed-in processing fee: 3.5% plus 15 cents per transaction

Note: Square has recently changed its flat-rate fee of 2.75% to 2.6% + 10 cents per transaction. We will update the pricing and our ranking of providers in the next update of this article.

How to Use Square In-store Payments

Square’s powerful, free POS software can be paired with a checkout register for in-store sales. While you can use the mobile readers covered above for in-store sales, most retail stores and eateries prefer using a checkout register with a cash drawer and receipt printer.

Square mobile POS can be used on iPads with connected receipt printers and cash drawers to create a full register setup.

Using Square for in-store payments is very similar to using Square for mobile payments. The POS app and basic functionality are all the same. However, you can add extra hardware and software features to build out a more complete system.

In order to use Square to accept in-store credit card payments, you need to:

1. Set up a free Square account: Signup takes just a few minutes and it’s completely free.
2. Choose a checkout register: Options include a Square Stand with iPad and card reader and the new all-in-one Square Register.
3. Add peripherals: Cash drawers, receipt printers, barcode scanners, and mobile card readers can be added as needed.
4. Set up your free Square POS software: Add inventory items, tax rates, and other key information needed to create sales, just as you would for mobile sales.

Since Square’s retail POS lets you accept payments in many ways, once you have the above in place, you can complete in-store sales any way you wish:

• Standard checkout sales: Use the Square POS register to physically process cards and print receipts.
• Phoned-in orders: Key in payments into your POS screen for prepaid deliveries or pick-up orders.
• Combine with mobile sales: Complete sales on your shop floor or at dining tables using a mobile card reader with a smartphone or tablet.

Use Square POS to Run Your In-store Business

The best part about using Square to run your shop is that everything is seamlessly connected and fully integrated from day one. You never have to struggle to combine different store management software or register hardware products because Square ties everything you need together within one tidy system and service.

Square POS includes:

• Reliable checkout hardware and card readers
• Payment processing and refunds
• Customer tracking and management
• Sales tracking
• Inventory management
• Employee time tracking
• Business reporting
• Appointments booking
• Email marketing*
• Customer loyalty program*
• Payroll services*

*Square’s advanced management features can be added for low monthly fees

Costs to Use Square Payments for In-store Sales

Your Square account and basic POS software are free, but there are some hardware costs if you want to set up a physical register. Businesses can also choose to add on more advanced POS or business management features.

Square payment processing costs for in-store sales include:

• Setup and monthly fees: $0
• Cancellation fees: $0
• In-person and mobile card payments: 2.75%*
• Keyed-in and invoice payments: 3.5% plus 15 cents per transaction

*Lower rates available with Square Register or Square Terminal

Note: Square has recently changed its flat-rate fee of 2.75% to 2.6% + 10 cents per transaction. We will update the pricing and our ranking of providers in the next update of this article.

Square software and POS costs for in-store sales include:

• Square POS: $0 free to download and use
• Square Retail: $60 optional advanced POS system for retail stores
• Square Restaurants: $60 optional advanced POS system for restaurants
• Square Loyalty: From $45 per month
• Square Marketing: From $15 per month

Square hardware costs for in-store sales include:

• Magstripe card reader: First reader free, additional $10
• Chip card reader: $49
• iPad stand: $199
• Square Register: $999 or $49 per month for 24 months
• Square Terminal: $399 or $37 per month for 12 months

How to Use Square Online Payments

Square makes it easy to expand your existing business into online sales or launch a completely new business online. You have two options for using Square for online sales:

1. Use Square online store feature: Every free Square account includes a free online store that integrates directly with your existing Square inventory list. This is the fastest, easiest, and cheapest way for Square users to start selling online.
2. Use Square Payments with top ecommerce platforms: Top ecommerce platforms, including BigCommerce, integrate with Square if you need more online selling features than the free Square online store offers.

Every Square account comes with a free online store.

How to Use Square Online Store

If you already use Square and have inventory items set up, you can quickly launch a free Square online store to sell some or all of your existing products online. In addition to the free online store, Square has a few paid ecommerce plans that have more advanced features.

If you’re new to Square, here are three things you’ll need to do to launch a free Square online store:

1. Open a free Square account.
2. Enter products into your Square inventory, with good product photos and product descriptions.
3. Decide on a domain name for your website (you’ll create this during your Square online store setup).

How to Use Square With Other Ecommerce Platforms

You can use Square as your online payment processor for other ecommerce platforms like Shopify, BigCommerce, WooCommerce, and Ecwid. If online sales are your focus, these platforms offer a stronger set of online sales features than the free Square online store. These platforms charge monthly fees, but Square charges you nothing more to go this route (you just pay credit card processing fees).

A few platforms, like BigCommerce, fully integrate their inventory, sales, and customer tracking data with Square. This can be a major plus if you sell online, in-store, and via mobile. This integration lets you conveniently manage all of your sales functions within Square.

To use Square with one of these ecommerce platforms, you need to:

1. Open your free Square account.
2. Choose your ecommerce platform.
3. Connect it to Square using the platform’s built-in integration app.
4. Build your online store.

Use Square to Manage Your Online Business

Youtube 5 axis additive dmg. If you use Square’s free online store feature or an integrated ecommerce store, you’ll be able to manage online orders right from your Square dashboard or POS screen.

Square’s free online store comes with many features, including:

• Automated, secure online payment processing
• Customer tracking and management
• Inventory management for both online and in-store sales
• Print shipping labels and track orders
• Virtual terminal screen in the Square dashboard for entering and processing customer phone-in orders
• Sales tracking and business reports

Costs to Use Square to Sell Online

Square’s online store feature is free (you only pay credit card processing charges), unless you decide to upgrade to a higher-tier plan. Square Payments also integrates with other ecommerce platforms for free; again, you pay only the credit card processing fees. Square’s online processing fees are simple and straightforward.

Square online store processing fees include:

• Setup and monthly fees: $0
• Cancellation fees: $0
• Integration fees for connecting to another ecommerce platform: $0
• Online order transaction fee: 2.9% plus 30 cents*
• Keyed-in sale transaction fee for phone orders: 3.5% plus 15 cents

*Lower rates available with certain Online Store plans

Square Online Store Plans

Free	Performance
Monthly Fee (month-to-month billing)	$12	$72
$0	$29
Square Transaction Fee	2.9% + 30 cents	2.6% + 30 cents
N/A	✔
Advanced Ecommerce Analytics	N/A	✔

All Square Online stores come with unlimited products, inventory management, free templates and site customization, SEO tools, automatic tax calculators, and a shopping cart.

Use Square to Manage Invoices & Recurring Payments

Square lets you create invoices and email them to your customers from both your Square dashboard and POS app. Once received, your customers can conveniently pay invoices using a credit card by clicking the Pay button on their invoice. They can even choose to save their payment information to use for future payments or as a recurring payment.

To use Square for invoicing, you need to:

1. Set up a free Square account: Invoicing is done through the same dashboard and POS app as mobile and in-store payments.
2. Generate and send invoices: Create invoices in your Square POS or via your online Square dashboard, and then email them to customers or print as needed; you can enter inventory items on invoices or create custom charges.
3. Track payment status: Online invoice payments record automatically as customers pay; you can also enter check or cash payments, or process phone-in credit card payments within your Square dashboard or app.

Recurring payments are a handy feature that Square provides. They’re ideal for automating monthly service fees, e.g., for lawn care or housekeeping services, or monthly tuition or dues. Customers enjoy the convenience of automated payments and you enjoy a steady stream of predictable, on-time income each month.

Use Square Invoice Payments to Manage Your Business

Square gives you a powerful set of invoicing tools to help you track payments and stay on top of late accounts. Best of all, if you combine invoice sales with other types of selling, such as online, in-store, and mobile sales, everything is recorded in your Square dashboard for an accurate view of your entire business.

Square’s invoice screen lets you easily track payment status.

If you use invoices, you’ll find that Square makes it easy to:

• Create and send single or batch invoices
• Track sales and payments by customer
• Track aging and late-pay accounts
• Assign inventory to sales tickets
• Charge for parts, items, and services on one invoice
• Accept invoice payments via credit card, check, and cash
• Set up secure and convenient recurring billing
• Pull up-to-date sales reports
• Send automated payment reminders
• Market or send service updates to customers

Costs to Use Square Invoices & Recurring Payments

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Square’s invoicing and recurring payments feature is free. You aren’t charged for creating or emailing any invoices or setting up recurring payments. Plus, you only pay credit card processing charges for the invoices that are paid by credit card. Cash and check payments cost you nothing.

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Square invoicing fees include:

• Square account and POS app: $0
• Square invoicing software: $0
• Credit card transaction fee: 2.9% plus 30 cents
• Card on file or recurring credit card transaction fee: 3.5% plus 15 cents

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Bottom Line

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When someone asks how to use Square credit card processing, there is no one straightforward answer because Square can be used in so many different scenarios, including mobile sales, in-store sales, online sales, and invoicing. However, the first step is always creating a free Square account and downloading the free POS app.

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Square credit card processing is so popular because it is quick, easy, and affordable. Once you know how to use Square, you’re not held back by troublesome integrations, equipment add-ons, or software learning curves. Everything is streamlined into one tidy package. Visit Square to create a free account