I have been using Square’s services for years, but I recently encountered an issue with a transaction. The payment was marked as confirmed and accepted, yet the funds were not available. After waiting several hours with no change, I contacted Square Customer Support the next morning. I was informed that a 24-hour hold had been placed on the funds. The representative assured me that she understood the reason for the hold and that I only needed to wait a few more hours. However, after the 24-hour period had passed, the funds were still unavailable. When I called back, I was then informed that a 90-day hold had been placed on my account. I expressed my frustration and explained that I needed the funds to proceed with my work. I asked if I could issue a refund since I was unable to complete the job without the payment, and the representative confirmed that I could, stating that the refund would be processed within 1-3 business days. She apologized, but her responses felt scripted. I requested to speak with a manager, but I was told that, due to my account type, I was not eligible to escalate my issue. I expressed that this felt discriminatory, but the representative insisted it was simply company policy. She then abruptly ended the call despite my request for her not to do so. Shortly afterward, I received an email stating that Square could no longer process transactions for me and that any remaining funds in my account would be held for 90 days. I am extremely disappointed with Square Canada’s handling of this situation. Despite collecting their fees, they are still holding my funds for an extended period. I ultimately refunded the transaction and hope my customer receives their money promptly. This experience has been frustrating, and I feel terrible for my customers. I submitted a refund and they charged me a fee for processing it. Yet it’s their fault why I have to issue it.