Connecting with Square Payments

Square Payments is a payment gateway that works with the Square POS app. Square Payments offers several features such as processing refunds within BigCommerce, capturing funds manually, and selecting a store location from your Square seller account.

• Your store must be based in one of the following countries and have the corresponding currency configured as the store's default currency:
  • Australia (AUD)
  • Canada (CAD)
  • United Kingdom (GBP)
  • United States (USD)
• Manage Payments and Manage Settings user permissions must be enabled.
• If your store is using a custom checkout, the Checkout SDK must be version 1.309.0 or later.

Prior to setting up Square Payments, you must ensure that the currency on your Square seller account matches the selected currency in the Settings › Payments area of your BigCommerce control panel.

If the currencies do not match when you are trying to connect, you will get an error that says “the currency associated with the merchant account you are trying to connect does not match.” If you are unsure what currency is on your seller account, please reach out to Square's support team.

Once confirmed, return to Settings › Payments and select Square from the list of Online Payment Methods.

Click Connect Square Account, then enter your account details or sign up for an account.

Once connected, adjust the gateway settings to match your preferences, and click Save.

Once you’ve connected Square Payments in your control panel, you can access the following settings in the Square Settings tab of Settings › Payments.

• Location — a read-only field that displays the store location associated with your Square merchant profile
• Display Name — specify how the payment gateway appears at checkout. We recommend something like Credit/Debit.
• Transaction Type — Select Authorize and capture (recommended) or Authorize only. See Manually Capturing Transactions for details.
• Stored Credit Cards — when enabled, this allows customers with a storefront account to save their credit card for future purchases. See Enabling Stored Payment Methods for more information on this feature.
• Enable Square on your storefront — when checked, Square Payments is visible on your checkout page
• Disconnect Square Account — disconnects your current Square merchant account in order to connect a different account

• General
• Pricing and Fees
• Account Eligibility
• Transactions
• Refunds
• Additional Features
• Troubleshooting and Payment Disputes

General

How do I transfer my Square products to BigCommerce? What about syncing inventory?

You can automatically sync your products and stock levels between Square and BigCommerce by using one of the apps found in the App Marketplace, such as SKU IQ. For more information on the deprecated built-in app, see our Square POS article.

Can I see my BigCommerce orders in Square, or my Square orders in BigCommerce?

You can view your BigCommerce orders in your Square control panel. At this time, you cannot see your Square orders in your BigCommerce control panel, but this is planned for a later update.

Pricing and Fees

What fees are associated with Square Payments?

There is a 2.9% + $0.30 transaction rate.

Account Eligibility

What currencies and countries does Square Payments support?

Merchants must be in the United States (USD), Canada (CAD), United Kingdom (GBP), or Australia (AUD).

What items are restricted for merchants to sell?

See Square's list of prohibited goods and services.

Transactions

After I create an account, what is the waiting period before I can process transactions?

You can begin accepting payments immediately after creating your account.

How long until a transaction's funds are transferred to my bank?

Funds are sent following your deposit schedule, usually within 36 hours of the transaction.

Will I or my customers receive an additional email or invoice from Square?

You and your customers through BigCommerce will only receive the BigCommerce receipt, not an additional Square receipt.

Refunds

How soon after a transaction can I perform a refund?

A refund can be initiated right after a payment has been completed. See Square's Refund Overview for more information.

Is there an amount of time after which I cannot perform a refund?

Currently, refunds must be processed within 60 days of the original transaction.

Are there any fees for chargebacks/refunds?

There are no fees for either chargebacks or refunds.

Additional Features

Are there any fraud filtering options available?

There are no fraud filtering options. CVV and Zip Code checks are required on all transactions.

Is 3D Secure (3DS) supported in Square Payments?

Yes, the integration automatically supports 3D Secure — o other configuration is needed. 3D Secure will automatically be triggered if required by a regulatory mandate such as Strong Customer Authentication.

Can I require my shoppers to authenticate through 3D Secure, even if it’s not required by the card issuer?

Yes, you can define rules in the Square Risk Manager to force the authentication challenge to be required.

Does Square allow authorize-only payments?

Square allows authorize-only transactions, meaning funds can be manually captured at a deferred date. Authorizations will expire after seven days, so they must be captured within that window of time.

Does Square allow recurring/subscription payments?

Square does not offer that feature at this time.

Does Square support Stored Payment Methods (Card Vaulting)?

Yes, debit/credit cards can be stored with Square Payments. See Enabling Stored Payment Methods for more information on this feature.

Troubleshooting and Payment Disputes

Why did my client receive an error when trying to pay?

Errors are only generated if the credit card number was entered incorrectly or if the card has insufficient funds. The most common cause is that the billing zip code provided doesn't match what the bank has on file. If you are having trouble, please feel free to call or email Square Support (support@square.com).

How are payment disputes handled?

To learn more about how payment disputes work with Square Payments, see Square's Payment Disputes Process.

Why do manual orders fail when 3D Secure is triggered on a shopper's credit card?

Manual orders will fail because the shopper must verify the transaction with their registered card password during the storefront checkout flow. This password cannot be entered while creating a manual order from the control panel. For more information, see 3D Secure.

How do I contact Square's Support?

Use the phone number and customer code listed at Square Support. You can also email support@square.com or visit their fantastic Support Center.