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Square

Methods

  • Cards
  • Digital Wallets
  • Cryptocurrencies
  • Direct Debit
  • Buy Now Pay Later

Square is a payment provider that helps merchants accept card and digital wallet payments in-store and online with built-in business tools.

Struggling with your approval ratio for this payment provider?

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Published
Last updated
2 min
Square
Square payment phone

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About Square

Product Type
Payment Processor
Foundation
2009
Stock ID
NYSE:XYZ
Company Type
public
Employees
12,980+
Location
USAUSA
Channel
In person Online

Features

In-person and online acceptance

Accept major cards and supported digital wallets across Square POS and online checkout options. Suitable for retail, food & beverage, and service businesses.

Authorization and routing (high-level)

Provides merchant payment processing with authorization handling for card-present and card-not-present transactions. Behavior can vary by payment method and region.

Approval rates and card declines visibility

Merchant dashboards and receipts help you review outcomes and identify common decline reasons (e.g., issuer declines, expired cards). Use trends to refine checkout and data capture.

Security and compliance support

Helps merchants with secure payment acceptance and data handling features aligned to industry requirements. Product capabilities vary by channel and configuration.

Authentication options for ecommerce

Supports card network authentication capabilities where applicable for online payments. Useful for reducing certain fraud-driven declines and meeting issuer expectations.

Disputes and chargeback management

Provides tools to respond to disputes, submit evidence, and track outcomes. Centralizes dispute status alongside related orders and refunds.

Reliability and operational tooling

Offers consolidated reporting, refunds, and payment history to support day-to-day operations. Helps teams monitor issues across devices, locations, and channels.

Tip from SmartRetry If you’re seeing card declines, compare decline patterns by channel (in-person vs online) and make sure AVS/CVV and billing details are consistently collected for online checkouts.

Currencies

Processing currencies USD, AUD, CAD, EUR, GBP, JPY

Available in

Available countries
  • Global

FAQ

Statuses

Statuses - All
CodeDescriptionLevelFrequencyResolution
Status
APPROVED

Payment Approved

The payment is authorized (auth-only/delayed capture). The card is valid and funds are guaranteed by the issuing bank. The seller does not yet receive funds. Must be explicitly completed via CompletePayment or canceled via CancelPayment before the delay window expires.

ProcessingCommonT0
APPROVED

Refund Approved

The refund has been approved by Square and funds are being returned to the cardholder. A successful terminal state for the refund flow.

ApprovedCommonT0
AUTHORIZED

Card Authorized

The card-level status on CardPaymentDetails indicating the card has been authorized by the issuing bank but funds have not yet been captured. Corresponds to Payment.status = APPROVED.

ProcessingCommonT0
CANCELED

Payment Canceled

The payment has been voided and any authorized card funds are released back to the cardholder. This is a terminal state. Can result from an explicit CancelPayment call or automatic cancellation after the delay_duration expires.

InfoCommonT3
CAPTURED

Card Captured

The card-level status on CardPaymentDetails indicating the funds have been successfully captured from the cardholder's bank. Corresponds to Payment.status = COMPLETED.

ApprovedCommonT0
COMPLETED

Payment Completed

The payment is captured and funds are credited to the seller's Square account. This is a terminal success state. For autocomplete=true, the payment moves directly here after creation.

ApprovedCommonT0
FAILED

Payment Failed

The payment request was declined or could not be processed. The seller receives no funds. This is a terminal state. Inspect the errors array for the specific reason.

ErrorCommonT2
FAILED

Refund Failed

The refund failed to process. The cardholder will not receive funds. Check the errors array for the specific reason and contact Square support if needed.

ErrorOccasionalT1
PENDING

Payment Pending

The payment is in a transitional state and is being processed. Used primarily for non-card payment methods such as bank transfers. Not yet a terminal state.

ProcessingOccasionalT0
PENDING

Refund Pending

The refund has been created and is being processed. Funds have not yet been returned to the cardholder. Developers should poll or subscribe to webhooks to monitor for resolution.

ProcessingCommonT0
REJECTED

Refund Rejected

The refund was rejected by Square. The refund will not proceed. Investigate the reason (e.g., refund amount exceeds available balance) and retry or use an alternative refund method.

ErrorOccasionalT1
VOIDED

Card Voided

The card-level status on CardPaymentDetails indicating the authorization was voided and no funds were captured. Corresponds to Payment.status = CANCELED.

InfoCommonT3
State
ACCEPTED

Dispute Accepted

The seller has explicitly accepted the dispute rather than contesting it. The disputed funds are forfeited. This is a terminal state.

InfoOccasionalT0
EVIDENCE_REQUIRED

Dispute Evidence Required

A formal dispute (chargeback) has been filed and Square requires the seller to submit evidence. This is the initial state of a dispute. Sellers must respond within the deadline to contest.

ProcessingOccasionalT1
INQUIRY_CLOSED

Dispute Inquiry - Closed

The inquiry is complete. Check the outcome (WON/LOST/ACCEPTED) separately.

InfoOccasionalT0
INQUIRY_EVIDENCE_REQUIRED

Dispute Inquiry - Evidence Required

A chargeback inquiry has been initiated and Square is requesting the seller submit evidence to respond. This is the initial state of an inquiry-type dispute.

ProcessingOccasionalT1
INQUIRY_PROCESSING

Dispute Inquiry - Processing

Evidence for the inquiry has been submitted and the issuing bank is reviewing it.

ProcessingOccasionalT1
LOST

Dispute Lost

The bank completed processing the dispute in the cardholder's favor. The disputed amount is permanently deducted from the seller's account. This is a terminal state.

ErrorOccasionalT3
PROCESSING

Dispute Processing

The seller has submitted evidence and the issuing bank is processing the dispute. No further action is required from the seller at this time.

ProcessingOccasionalT1
WON

Dispute Won

The bank completed processing the dispute in the seller's favor. The disputed funds are returned to the seller. This is a terminal success state for dispute resolution.

ApprovedOccasionalT0
Error & Decline Codes
ACCESS_TOKEN_EXPIRED

Access Token Expired

The provided OAuth access token has expired. Refresh the token and retry.

ErrorOccasionalT1
ACCESS_TOKEN_REVOKED

Access Token Revoked

The provided access token has been revoked. The merchant must re-authorize the application.

ErrorRareT1
ACCOUNT_UNUSABLE

Account Unusable

The account associated with the payment cannot carry out transactions. Customer should contact their bank.

DeclinedRareT2
ADDRESS_VERIFICATION_FAILURE

Address Verification Failure

The card issuer declined because the postal/ZIP code did not match the billing address on file.

DeclinedCommonT0
AMOUNT_TOO_HIGH

Amount Too High

The requested payment amount exceeds the maximum allowed for the provided payment source.

DeclinedOccasionalT2
API_VERSION_INCOMPATIBLE

API Version Incompatible

The Square-Version specified is incompatible with the requested action or resource.

ErrorRareT1
APPLICATION_DISABLED

Application Disabled

The calling application has been disabled. Contact Square support.

ErrorRareT1
ARRAY_EMPTY

Array Empty

The provided array is empty but must contain at least one element.

ErrorOccasionalT0
ARRAY_LENGTH_TOO_LONG

Array Too Long

The provided array contains more elements than the maximum allowed.

ErrorOccasionalT0
ARRAY_LENGTH_TOO_SHORT

Array Too Short

The provided array contains fewer elements than the minimum required.

ErrorOccasionalT0
BAD_CERTIFICATE

Bad Certificate

The SSL/TLS certificate provided is invalid or untrusted.

ErrorRareT1
BAD_EXPIRATION

Bad Expiration

The card expiration date is missing or incorrectly formatted in the payment request.

Error, DeclinedOccasionalT0
BAD_GATEWAY

Bad Gateway

Square received an invalid response from an upstream service. Retry after a short delay.

ErrorRareT0
BAD_REQUEST

Bad Request

A general error occurred with the request format or parameters. Review request structure.

ErrorOccasionalT0
BUYER_REFUSED_PAYMENT

Buyer Refused Payment

The bank account was rejected or not authorized for the payment. Common in ACH/bank transfer flows.

DeclinedOccasionalT3
CARD_DECLINED

Card Declined

The card was declined by the issuer. The customer should try another card or contact their bank.

DeclinedCommonT2
CARD_DECLINED_CALL_ISSUER

Card Declined - Call Issuer

The card was declined and the issuer is requesting the cardholder call their bank before retrying.

DeclinedOccasionalT2
CARD_DECLINED_VERIFICATION_REQUIRED

Card Declined - Verification Required

The card was declined and the issuer requires additional cardholder verification (e.g. 3DS or PIN).

DeclinedOccasionalT0
CARD_EXPIRED

Card Expired

The card issuer declined the request because the card is expired. Ask the customer to use a different card.

DeclinedCommonT3
CARD_MISMATCH

Card Mismatch

The card provided does not match what was expected for this payment or customer record.

Error, DeclinedRareT0
CARD_NOT_SUPPORTED

Card Not Supported

The card is not supported in the merchant's geographic region or for the merchant category code (MCC).

DeclinedOccasionalT3
CARD_PROCESSING_NOT_ENABLED

Card Processing Not Enabled

The location specified in the API call is not enabled for credit card processing. Enable card processing in the Square Dashboard.

ErrorRareT1
CARD_TOKEN_EXPIRED

Card Token Expired

The card nonce (single-use token) has expired. Re-tokenize the card using the Web Payments SDK and retry.

ErrorOccasionalT0
CARD_TOKEN_USED

Card Token Already Used

The card nonce was already used to process a payment or refund. Nonces are single-use; generate a new one.

ErrorOccasionalT0
CARDHOLDER_INSUFFICIENT_PERMISSIONS

Cardholder Insufficient Permissions

The card issuer declined because of restrictions on where the card can be used, such as a gift card limited to a single merchant.

DeclinedOccasionalT3
CLIENT_DISABLED

Client Disabled

The OAuth client/application has been disabled by Square. Contact Square support.

ErrorRareT1
CONFLICT

Conflict

The request conflicts with the current state of the resource. Check for concurrent modifications.

ErrorOccasionalT0
CONFLICTING_PARAMETERS

Conflicting Parameters

One or more request parameters conflict with each other and cannot be used together.

ErrorOccasionalT0
CURRENCY_MISMATCH

Currency Mismatch

The currency associated with the payment does not match what the funding source supports, e.g. a USD gift card used for a GBP transaction.

Error, DeclinedRareT0
CUSTOMER_MISSING_EMAIL

Customer Missing Email

The customer record does not have an email address, which is required for this operation.

ErrorOccasionalT0
View all