Card on File and Point of Sale App FAQ | Square Support Center (2023)

System updates

What is Square’s Card on File fee?

You’ll pay a fee of 3.5% + 15 cents each time you complete a payment with a card on file using the Square app.

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How does Card on File work with automatic receipts, my loyalty program and Square Marketing?

When you store a card on file, have your customer enter their email address for receipts. That email address will display within your Customer Directory as a marketable contact added by you. When you charge a card on file, Square automatically issues an email receipt to the address associated with your Customer’s profile, even if your customer has entered a different email for automatic receipts.

Do I need to worry about PCI compliance?

Square complies with all required PCI standards, so Square account holders do not need to validate PCI compliance for information given to Square. With Card on File, you don’t have to worry about handling your customer’s sensitive information or storing any paper forms.

Why isn’t there a space on the authorization form to add the CVV number for my customer’s card?

It’s a violation of PCI standards to record a customer’s CVV, which is why there isn’t a space for it. If you’d like to manually input a payment, you’ll need to request the CVV directly from the seller each time you input the card. If you take advantage of Square’s Card on File feature, you don’t have to manually input the CVV.

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Can I store a payment card when a customer pays with Apple, Samsung, or Android Pay?

No, the ability to store card information from a contactless payment device isn’t available, but this is a feature we’re looking into.

How does Card on File work with printed sign and tip receipts?

Square sends a digital receipt to the email address saved to the customer’s profile each time their stored payment card is charged. However, if you have sign and tip receipts turned on, a receipt will print and your customer will receive a digital copy.

How does Card on File work with Open Tickets?

Adding a customer to an open ticket will also associate their payment card on file. When you’re ready to close a ticket, tap Charge > Under the Card on File tender type, select from the customer’s cards on file > complete the payment.

How does Card on File work with Square’s APIs?

When using Square’s eCommerce API or Customers API to store cards on file, you can use these cards to complete payments with both the Square Point of Sale app and Square Invoices (and vice versa). Square’s APIs, the app, and Invoices all use the same infrastructure to support Card on File.

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Can I save a card on file from my Dashboard?

Yes, you can manually save a payment card to your online Customer Directory and use the card to complete a payment with the Square app.

What happens when a card on file expires?

Once a card on file expires, you or your customers will need to unlink the card information from their profile in your Customer Directory under Edit Personal Information. After this has been done, the new card information can be updated at any time. If you attempt to run an expired card on file with Square POS app, the payment will decline.

Can I save my customers’ HSA or FSA cards?

Health Savings Account and Flexible Spending Account cards are highly regulated and have very strict policies around their usage. At this time, HSA and FSA cards are not supported with Card on File.

While you’re unable to save these types of cards to your Customer Directory, you can still accept payments from HSA and FSA cards using the normal checkout flow on the Square Point of Sale app, Square Appointments app, and Square Invoices app if your Merchant Category Code is set to Medical Practitioners or Medical Services and Health Practitioners.

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View our article on how to use Card on File with Square POS app for more information.

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FAQs

Why is my Square not reading my card? ›

Troubleshoot Your Chip Card Reader

Update to the latest version of the Square app. Make sure you're using a supported device. Unplug the reader and plug it back in while the Square app is open. Delete and reinstall the Square app.

How do I manually enter card on square app? ›

Steps to Manually Enter Payments From Your App
  1. From the navigation bar at the bottom of your screen, tap More > Settings > Checkout > Payment Types.
  2. Toggle on Manual Credit Card Entry.
  3. Ring up a transaction by adding items or entering custom amounts using the keypad.
  4. Tap Charge to process the payment.

Why did Square send me a card? ›

You'll automatically receive a Square Debit Card as part of opening a Square Checking account. You can open a Square Checking account directly from your Square app or from your online Square Dashboard.

Does Square charge more for cards on file? ›

What is Square's Card on File fee? You'll pay a fee of 3.5% + 15 cents each time you complete a payment with a card on file using the Square app.

How does card on file work? ›

A card-on-file transaction is any kind of payment where the cardholder has given their card payment details to a merchant so the merchant can store them securely for future payments. This means the cardholder does not need to supply their details for every single transaction with the merchant.

Can you reset Square card reader? ›

Reset Square Reader

While the Square Reader is charging, use a small object like a bobby pin, pen cap, or paper clip to firmly press and hold the button on the Square Reader for 20 seconds. After 20 seconds, release the button and wait 10 seconds.

Why are my card readers not working? ›

The possible reasons for card reader not working are: The reader is incompatible with your operating system or memory card. The drive letter conflicts with other drives. The driver of card reader is outdated or missing.

How do I reset my card reader? ›

Use a pin or paperclip to reset the card reader using the reset button at the bottom of the device. Hold the reset button with the pin for a full 30 seconds.

Can you manually enter a CC on Square? ›

Yes. If the card isn't present, or you're unable to swipe it, you can manually key in card payments without the Square reader. Other available options are sending your customer a Square Invoice or processing the payment using Virtual Terminal.

How much does Square charge for manual card entry? ›

Square Fees by Payment Type
Payment Type2.6% + 10¢3.5% + 15¢
Manually Entered Card Payments*✖️
Point-of-Sale API Keyed-In Payments*✖️
Manually Entered Virtual Terminal Payments*✖️
Invoices✖️✖️
16 more rows

What cards does Square not accept? ›

What's in this article? Square works with any US-issued and most internationally-issued magstripe or chip cards bearing a Visa, Mastercard, American Express, Discover, JCB, or UnionPay logo. Square also supports mobile wallets such as Apple Pay, Google Pay, and Samsung Pay.

Does Square go into your bank account? ›

Funds are sent to either your linked bank account or debit card for a 1.5% fee per transfer. Your funds will routinely be sent to your linked debit card 15 minutes after your close of day, every day. To use same-day transfer, you must have a minimum balance of $1 after Square's fees.

How much does Square charge for card not present? ›

Process a card-not-present with Square Online Checkout, Square Online, eCommerce API or Invoices. When a customer makes a purchase through other card-not-present transaction methods such as Square Online, Square Online Checkout, eCommerce API or pays an invoice online, the fee is 2.9% + 30¢.

What bank does Square card use? ›

Square Checking is provided by Sutton Bank, Member FDIC. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted.

Can I charge a card on file? ›

Charge a credit card on file

You can directly charge a card for any payment request and even save the card for future use.

How do you keep a customer's credit card on file? ›

Three of the most common ways a business owner can obtain consent for storing credit card details include having customers:
  1. Swipe a signed card and sign a receipt.
  2. Complete an online form; or.
  3. Provide credit card numbers over the phone.

How can I accept credit card payments without a card reader? ›

However, you can still accept in-person payments without a card machine if you wish. Some PSPs offer a payment processing app that you can install on your smartphone to take card payments. Users can input a customer's card details manually or scan a QR code to facilitate fast, secure payments in person.

What is an example of card on file? ›

What Are Card-On-File Transactions? Card-on-file transactions are when cardholders authorize merchants to store their payment information securely and bill cardholders' stored accounts for future purchases. A common example is when a family joins a local gym.

What is the benefit of card on file? ›

Card-on-file advantages

Making the payment process easier for clients will make them much more likely to return. Speeds up the transaction process considerably — not least because it doesn't require the re-entering of payment details each time a transaction is carried out.

Can you charge a card on file without permission? ›

The bottom line. Businesses cannot charge your credit card without authorization.

Can you use someone else's Square card reader? ›

The Square Reader is universal, so one reader can be used on supported devices. You can also use the same reader to collect payments for multiple Square accounts or locations.

What is the limit on Square card reader? ›

All Square merchants have a per transaction limit of $50,000. If you'd like to accept individual transactions above $50,000 each, you'll need to split the payment into multiple installments. Make sure to record the receipt number and the total amount charged for each installment.

How long does a Square card reader last? ›

A: Yes - the reader comes with a charging cable that will plug into USB port on computer, AC powered USB power source, or external phone battery charger. We have had the reader run for at least a full day of pretty constant use on one charge.

What to do if card is not working? ›

Try contacting the merchant and/or your credit card issuer and inform them of the problem. They will likely ask you to wait until they figure it out, or instruct you how to fix it.

Why does my card reader keep saying wrong card? ›

This means the card you want to make a transaction with doesn't match the card you've put in your card reader.

How does the Square card reader work? ›

When you swipe a magnetic-stripe card, the technology transmits the bank info to the card reader, which sends it to Square. We then pass along that information to the acquiring bank. Square's magstripe reader plugs into your iOS or Android device's headset jack so you can take credit card payments anywhere.

How do I update my card reader? ›

Updating your card reader software
  1. Go to the Apple App Store or Google Play store to see if there is an update.
  2. If there is an update available, install the latest version of the app.

Can I use my CC without PIN? ›

No, you cannot withdraw money from an ATM or make any transaction using your credit card without entering your PIN.

Can you enter card details manually? ›

If a customer's card isn't being read properly though a dip, swipe, or tap method, you can still process credit card transaction by manually entering the card details through the physical terminal or virtual terminal also know as a payment gateway. As a merchant, you'll still be able to get paid for the transaction.

Can you use Square as an ATM? ›

Square Debit Card can be used at any ATM that accepts Mastercard® debit cards. The maximum amount which can be withdrawn at an ATM is $500-$3,000 per transaction, $1,000-$3,000 per day, $1,000-$7,000 per week, and $2,000-$10,000 per month.

What is a good credit card processing rate? ›

According to industry analysts, the average credit card processing fees range from 1.5 percent to 3.5 percent of each transaction, although the final percentage depends on a host of factors.

Why does Square charge more for manual entry? ›

The short answer: manually-entered, keyed-in transactions are at higher risk than swiped transactions. Therefore, credit card providers charge Square more in order to protect against fraud.

How much is a processing fee? ›

Credit card processing fees will typically cost a business 1.5% to 3.5% of each transaction's total. For a sale of $100, that means you could pay $1.50 to $3.50 in credit card fees.

Can you use Square without bank? ›

No, Square requires a transactional bank account that allows for transfers and withdrawals in case of refunds or chargebacks.

Does Square accept virtual cards? ›

When you add your Square Debit Card to your digital wallet (Wallet in iOS for Apple Pay, and Google Pay in Android), you can make purchases without your physical plastic card, by tapping your phone at NFC-enabled terminals for in-person payments, or in-apps and online on your device. Note: Tablets are not supported.

What cards does Square accept online? ›

Visa, Mastercard, Discover, American Express, and international cards—all the same.

Do you have to have a card on file? ›

You must have a card on file if you have any apps with subscriptions, or apps that have in-app purchases.

How do I add a card to autofill? ›

Add, edit, or delete your info
  1. On your Android phone or tablet, open the Chrome app .
  2. To the right of the address bar, tap More. Settings.
  3. Tap Addresses and more or Payment methods.
  4. Add, edit, or delete info: Add: At the bottom, tap Add address or Add card. When you've entered your info, at the bottom, tap Done.

What is a credit card on file? ›

Card-on-file is when a business, with the cardholder's consent, stores the payment card data. The cardholder can then reuse the details for future payments and faster checkouts.

Are you allowed to keep a credit card on file? ›

Credit card numbers should not be kept on file as a general practice. Limited exceptions apply such as if you need to bill the customer on a frequent and recurring basis (at least monthly) and explicit permission is obtained from the customer.

Is it legal for a company to keep credit card numbers on file? ›

To answer briefly, yes, merchants can store credit card information. The long answer is that merchants must be PCI compliant to store their credit card data. However, there's also some data you can keep and some you can't make sure you securely handle your customers' credit card information.

Do I have to have a card on file for app store? ›

To make purchases from the App Store and use subscriptions like iCloud+ and Apple Music, you need at least one payment method on file.

How do I find my Autofill full card number? ›

Open Google Chrome and click the three horizontal dots in the upper-right hand corner of the window followed by Settings. Select Autofill from the left navigation panel followed by Payment methods. Under Payment methods, there will be a list of all saved credit cards.

Why is my card not Autofill? ›

Clear Browsing Data

An outdated browser cache can prevent the Autofill functionality in Chrome from kicking in, so try clearing it. Go to Chrome Settings > Privacy and Security > Clear Browsing Data.

Why is my card Autofill not working? ›

Fix 2: Check Autofill settings

Step 1: Open the Chrome menu. Next, click Settings to bring up the Chrome Settings pane. You should then see the Autofill section, complete with the three categories. Step 2: Click Passwords section, make sure that Offer to save passwords and Auto sign in are enabled.

How credit card is a trap? ›

Being caught in a debt trap creates a host of problems. Unpaid credit card debt can reduce your credit scores, making it harder to obtain meaningful loans like mortgages when you need them. Even when you can get new loans, the cost of borrowing is likely to be much higher if you don't have a good credit score.

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