Help! Square Shut My Account Down – What Do I Do?

Why Square Closed Your Account

• High chargebacks or refund ratios: Too many disputes or chargebacks can trigger an auto-ban.
• Prohibited products or services: Square bans many high-risk verticals including CBD, kratom, hemp, vapes, adult, and more.
• Unusual activity: Sudden spikes in volume, location changes, or login alerts can flag your account.
• Violation of Square’s terms: If you’re using Square to sell restricted items — even by mistake — they can close your account with no warning.

What Happens When Square Shuts You Down

• Your account is locked instantly — no new payments, no access.
• You may not be able to refund customers or dispute chargebacks.
• Your funds may be held for up to 90–180 days, especially if Square suspects fraud or disputes.
• You may get a vague email citing a “violation of terms” with no option to appeal.

What to Do Next

• Download all transaction data: Export your reports before full access is cut off.
• Check your email: Look for Square’s official termination notice. It may include hold timelines.
• Don’t reapply under a new name: This can lead to permanent blacklisting across Square and Cash App.
• Secure a high-risk-friendly payment processor: If Square shut you down, you likely need a merchant account that accepts your industry.

Need a Stable Alternative?

If you’ve been shut down by Square, Stripe, or PayPal, High Wire Payments can help. We offer:

• Real merchant accounts (not aggregators)
• Fast approvals — even for high-risk products
• No contracts, transparent pricing
• Same-day setup available