Everything is all well and good until you get a dispute! 4 months ago, I shipped a customer's item out within days of receiving the order. The customer received the item (tracking verified). Customer filed a claim with his credit card and SquareUp notified me. I immediately contact a Square represented and provided the order, the payment receipt, and the tracking information. They said that they would submit it it and get back to me. I was quite confident that I would prove my case, it was pretty open and shut. A week goes by and I follow up. They never sent in the information. (Oh great). I resubmit the information and I get this indifferent fine print nonsense that they have up to 90 days to review, blah blah blah. I asked for more information (credit card issuing bank information) and what else would they do. They said, that they can and will only do something once the credit card company makes a decision. And no, they won't share the credit card bank issuer who took my money. So I had to wait 4 months. 4 months passed and this is the message I got."We challenged this payment dispute on your behalf using the information you provided. The cardholder’s bank has reviewed this information and decided to resolve the case in the cardholder’s favor. Since these funds were previously held by the bank, no additional funds will be held from your account.Unfortunately, the bank does not give us rights to re-challenge a cardholder’s dispute after they make a final decision. If you’d like to pursue this further, you can consult with a lawyer to initiate a legal process with the cardholder."So yeah, I removed ALL my payment processing from Square (GoDaddy Payments sucks too) and now process credit card payments using a 3rd party Costco-Converge that will actually advocate for me with informed and pro-active representatives.
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