Square App Review And How To (for Android and iOS)


If you would’ve told me a couple of years ago that a smartphone would have the capability to accept credits in the same way that brick and mortar retail stores do, I probably would’ve told you that you’re crazy. Yet, here I am today reviewing an app called Square available on both iOS and Android that does just that. What is Square? Square is an app that allows you to accept credit card payments right on your smartphone regardless of where you are. Want to know more? Keep reading:

To start using Square, all you have to do is download the app from either the App Store or Google Play. The app is free to download, and the sign up process is quick and easy. Just link your checking account with your Square account and you’ll be set to start accepting credit card payments right on your phone. You can do this by either entering the credit card number manually, or use the card reader that Square sends you in the mail (for free).

Okay, this is starting to sound a little too good to be true, right? You’re probably wondering what the catch is? Well, if there is a catch its the 2.75% fee per transaction. But given the fact that the app is free, the card reader is free, and that there are no minimum monthly fees, I think the pricing is extremely fair. And I only say this because I’ve had a full on merchant account for one of my businesses in the past, and was I paying 3% plus a .30 cent transaction fee.

The app itself is super easy to use. Just open it up and you’re taken to a screen where you can enter in the amount you want to charge and a transaction description. After you enter the amount (say $20), you can plug in the card reader and swipe the person’s credit card. The app will authorize the card, and if approved, will take you to a signature screen. From here, the person has to sign their name like they would on a receipt at a store using your phone’s touch screen.

After they’ve signed, you have the option to send them a receipt for the purchase via text message or e-mail. The receipt will show them the amount they’ve been charged, will give them a picture of their signature, and the details of the transaction. It will then show up on the person’s credit card statement with the same description you set for the transaction on the first screen (where you entered the amount you wanted to charge). And that’s it, your done!

If you ever needed to issue a refund or resend a receipt, simply open the Square app and press menu and then “sales history.” From here, you’ll be able to see all of your recent sales. Tap on the transaction in question, and you’ll have the option to re-send the receipt (either via text or e-mail) and/or issue a refund for the transaction.


Do I think you should use Square?

Even though I don’t personally use the Square app all that often (as I no longer sell things on an regular basis), its still nice to know that I’m able to accept credit card payments for the times that I do (like when I sell something on Craigslist). If you’re unlike me and actually sell things quite often (but only have been accepting cash), I’d strongly recommend you consider using Square to give your customers another payment option (which just might increase your sales). But even if you are like me and don’t sell things that often, you can get it “just to have it.” After all, you have nothing to lose!

Square allows you to accept Visa, Mastercard, American Express, and Discover credit card payments on your Android or iPhone. To learn more about Square, visit SquareUp.com.


About Author

David Rahimi is the editor-in-chief at PhoneBuff.com. Ever since he got his first smartphone, he has been obsessed with mobile technology and all that it has to offer. Other interests include business, investing, and neuroscience.