Re: American Express

NN6

How can we disable American Express payments on our Square account to ensure that clients only pay with Visa or Mastercard?

TheRealChipA

Hi there @NN6 The short answer is you can’t. The longer answer is the you probably never will be able to. Square’s TOS requires that we anllow all card networks they support. I guess you could refuse Amex cards in person, but not in your online stores.

Now, can you enlighten us as to why you would want to exclude Amex card holders from being your customers, especially since those cards don’t cost you any more in fees?

Chip A.
Square Expert & Innovator and member of the Square Champions group. (But NOT a Square employee, just a seller like you)

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MudFire_Dex

We pay less using Square than our former payment processor that charged different rates for AMEX, Discover, Visa and MC reward cards, etc. It was a total pain from an accounting perspective to reconcile and having a level number that is known is so much better. @TheRealChipA do you find that also to be true?

Deklan (Dex) they/them]

MudFire CEO | Square enthusiast

Visit me at MudFire online

TheRealChipA

Completely

Chip A.
Square Expert & Innovator and member of the Square Champions group. (But NOT a Square employee, just a seller like you)

Was my post helpful? Take a moment to mark it as a solution. Marked solutions help other sellers find possible resolutions to similar problems. Also, if you find your solution elsewhere (say, through Support), it is helpful to come back to your post and tell us about it, then mark that as a Solution. Solutions are what this Community is all about!

NN6

In our case, from what I understand with Square, American Express has higher processing fees, so we would like to avoid these additional charges.

TheRealChipA

That is not true at all. We pay the same fees for all cards Square accepts. So even if you don’t accept Amex you will not pay lower fees with Square.

That’s is the beauty of companies like Square and its competitors. They level out the craziness of variable fees to a simple flat fee for most transactions. There are higher fees for things like online transactions, afterpay, manual card number entry, etc. But our base fee is the same for all card networks.

So whoever or whatever told you that was just plain wrong.

Chip A.
Square Expert & Innovator and member of the Square Champions group. (But NOT a Square employee, just a seller like you)

Was my post helpful? Take a moment to mark it as a solution. Marked solutions help other sellers find possible resolutions to similar problems. Also, if you find your solution elsewhere (say, through Support), it is helpful to come back to your post and tell us about it, then mark that as a Solution. Solutions are what this Community is all about!

TheRealChipA

https://squareup.com/help/us/en/article/5068-what-are-square-s-fees

Chip A.
Square Expert & Innovator and member of the Square Champions group. (But NOT a Square employee, just a seller like you)

Was my post helpful? Take a moment to mark it as a solution. Marked solutions help other sellers find possible resolutions to similar problems. Also, if you find your solution elsewhere (say, through Support), it is helpful to come back to your post and tell us about it, then mark that as a Solution. Solutions are what this Community is all about!