Frozen Funds, Explore Alternatives to Square

The Convenience That Comes at a Cost

Square has revolutionized small business payments processing. With instant sign-up and no complex underwriting, it’s never been easier to start selling. But behind that simplicity lies a serious risk: your Square payments processing account—and your funds—can be frozen without warning.

Many business owners don’t realize this until it’s too late.

Why Square Freezes Accounts

Square uses automated systems to monitor for what it considers “suspicious” activity. These systems can flag:

Sudden increases in transaction volume
High-ticket sales outside your usual range
Transactions in industries Square deems “high risk”
Spikes in chargebacks or refunds

If any of these triggers are hit, Square may freeze your credit card processing account, suspend transactions, or hold your funds for up to 90 days while they investigate. Even if your business is cleared, the delay can be devastating.

Real Stories, Real Disruptions

The internet is full of stories from business owners caught off guard:

A wedding planner receives a $12,000 deposit—only to find the funds frozen the next day.
An eCommerce brand sees a seasonal sales spike—then loses access to its revenue.

In most cases, the business did nothing wrong. They simply grew faster than Square’s risk model was comfortable with.

To make matters worse, live support isn’t available for all accounts, leaving many merchants stuck in email queues during critical moments.

What to Look for in Alternatives to Square for Payments Processing

If you’re building a business for the long haul, you need more than just ease of use. You need stability and support. Look for payments processing providers that offer:

Upfront underwriting so you’re fully approved before you start
Transparent risk policies tailored to your industry
Dedicated support with real-time access to help
Predictable funding timelines that won’t leave you guessing

A Smarter Alternative to Square: Revere Payments

Since 2007, Revere Payments and MGI have been leading providers of merchant account credit card processing for low, medium and high-risk organizations. We offer tailored solutions that rank among the best in the world. With Revere Payments, you gain a trusted partner for transparent pricing, reliable security, and exceptional support—allowing you to focus on growing your business.