2023 Guide: What Cards Does Square Accept

Discover what cards Square accepts for payment processing. From credit cards to ACH transfers, find out how to optimize your small business payments.

As of 2023, Square is one of the most popular payment processors available in the market. Square offers a wide range of payment options to its customers, making it easy for small businesses and entrepreneurs to accept payments from their customers. In this article, we will explore what cards does Square accept in 2023, and what you need to know to make the most of this payment processor.

What Cards Does Square Accept in 2023?

Square accepts a variety of payment methods, including credit and debit cards, mobile wallets, and ACH transfers. Here is a breakdown of the payment methods that Square accepts:

  • Credit and Debit Cards: Square accepts most major credit and debit cards, including Visa, Mastercard, American Express, Discover, JCB, and UnionPay. If you have a card with any of these logos, you can use it to make payments through Square.
  • Mobile Wallets: Square also accepts payments from mobile wallets, such as Apple Pay, Google Pay, and Samsung Pay. Mobile wallets are becoming increasingly popular, as they allow customers to pay without having to carry their physical wallets with them.
  • ACH Transfers: Square also allows customers to pay via ACH transfers, which is a form of bank-to-bank transfer. ACH transfers are commonly used for recurring payments, such as subscription services, and are often a more affordable payment method compared to credit or debit cards.

What You Need to Know About Using Square

If you are considering using Square as your payment processor, there are a few things that you should know:

  1. Transaction Fees: Square charges a transaction fee of 2.6% + 10 cents per transaction for payments made with credit or debit cards. For ACH transfers, Square charges a fee of 1.5% per transaction, with a minimum fee of 25 cents. If you are processing a large volume of payments, you may be able to negotiate lower fees with Square.
  2. Processing Time: Square processes payments within one to two business days, depending on the type of payment. ACH transfers can take up to five business days to process, while credit and debit card payments typically process within one business day.
  3. Fraud Protection: Square offers fraud protection to its customers, which helps to protect against chargebacks and fraudulent transactions. Square’s fraud protection includes advanced fraud detection, data encryption, and 24/7 monitoring.
  4. Square Dashboard: Square provides its customers with a dashboard that allows them to track their sales, view their transaction history, and manage their account settings. The dashboard also provides insights into your business performance, such as your top-selling products and customer demographics.

How to Get Started with Square

Getting started with Square is easy. Simply sign up for an account on the Square website and provide some basic information about your business. Once your account is set up, you can start accepting payments right away.

To make the most of Square, it’s important to understand your customers’ payment preferences and optimize your checkout process accordingly. For example, if your customers prefer to pay with mobile wallets, you should make sure that you have an option for mobile payments on your checkout page. Similarly, if you have a lot of customers who prefer to pay via ACH transfers, you should consider offering a discount for ACH payments.

Square also offers a range of additional features that can help you manage your business more effectively, such as payroll management, inventory tracking, and customer relationship management. These features can help you streamline your business operations and improve your overall customer experience.


Square is a versatile payment processor that accepts a wide range of payment methods, including credit and debit cards, mobile wallets, and ACH transfers. Whether you are a small business owner or an entrepreneur, Square can help you streamline your payment processing and improve your customer experience. The payment processor is an affordable and convenient way to receive payments from your customers.