Square has a good App and service over all but they still have some basic things they need to take care of before it is a great App. The tip situation is a mess, they have acknowledged it but still no fix. The temp auth 40% more then the transaction to cover possible tips. They also don't allow you to put in an exact amount for the tip.
Until they get the full backing of one of the big three credit cards, there will be many people to include myself skeptical of this. My 2cents
I am confused as to how one obtains Card Case functionality/app. According to the website:
So it's my understanding that Card Case is a separate app that can only be downloaded through a text message? The app does not show up on a search from the app store.
I find the process rather clumsy since the app has a directory functionality to help you find Square merchants.
2.75% fee seems unrealistic in Apple's world. I wonder how they get around Apple's 30% cut.
I am not a lawyer but Apple's legalese as I read it casts a very wide net around in-app purchases, subscriptions, and virtual currencies without any exceptions for third-party payments. If the item being purchased is recurring or funding a declining balance account for the Square client then it would fall under Apple's definition of a subscription or virtual currency.
And, if Square has a loophole then Rhapsody and others should just have a pay-with-Square button in their apps.
Square is great for yard sales or minor artists, but the daily transfer limit to your bank is $1000. That renders it completely useless for most decent sized businesses or prominent artists. We could do an event that takes in 50k or a good artist could sell a painting that costs at least that. You'd never be able to get your money out. Not to mention the hacking problems that Square has faced with the insecure scanner. I am waiting for one of the big merchant providers to come up with something genuine for business and not holding my breath for Square.
The $1k limit is only for keyed in transactions, not swipes.
Also, there are no "hacking problems" with Square. Please point to the in-the-wild easy examples of how to actually hack Square or the reader.
Its not popular enough to even be a target yet but if it does take off I'm sure there will be plenty of holes to be discovered.
Anything that uses RF signals or any wireless technology is a serious security risk.
I honestly can't believe people use Debit cards like they do, one card with access straight into your bank account and its not like the bank is going to care because its not their loss.
Square seems to be a hit with the food cart operators here in Portland... but I still haven't seen any that accept American Express. I assumed this was because AMEX is known for charging a higher merchant fee... but it seems like Square charges a flat rate for all card types. Why no love for AMEX?
Maybe I'm old-fashioned, but that sounds much more inconvenient than simply handing over cash or credit card. And since it still involves a 3rd party having control over my payment data, I'm not sure if it's any more secure than CC usage, either.
The $1k limit is only for keyed in transactions, not swipes.
Also, there are no "hacking problems" with Square. Please point to the in-the-wild easy examples of how to actually hack Square or the reader.
Square seems to be a hit with the food cart operators here in Portland... but I still haven't seen any that accept American Express. I assumed this was because AMEX is known for charging a higher merchant fee... but it seems like Square charges a flat rate for all card types. Why no love for AMEX?
I see the data processing is PCI DSS compliant (presumably located in your datacentres, not in the iOS app itself). So... is the iOS software itself PCI DSS compliant? Does it need to be? Do people need to lock down their iPhones/iPads/iPod Touches?
Do we need to firewall it as per PCI DSS requirements? The website mentions Squares networks are strictly segregated but makes no note of the network the iPad/etc... is connected on.
What about filling out SAQ annually? Still required? Annual vulnerability testing, pen testing, wifi scanning still required?
It doesn't make much sense to hide Card Case feature this way. Square should make it easier for customers to explore and find Card Case merchants (which appears to be an existing feature inaccessible until user adds at least one tab), and not require them to visit a website to peruse select launch merchants.Nope -- card case is built into 2.0. However to activate it, you need to visit a merchant with card case support enabled.
Are you for real? iPad for everything
That is like we all drive the same car, live in the same type house, you ever heard of 1984?
The iPad has its merits, but it has reached its peak!
Let's move on, lot of Android tabs hitting the market, they blow away the iPad just with their stock FREE apps!
We never store card data on the device, we transmit all data through industry standard SSL, and we're PCI certified every year.