Square · Square Terms of Service · View original document ↗

Chargeback Liability

High severity Rare · 1 of 343 platforms
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This analysis describes what Square's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

This provision allocates chargeback liability to the account holder rather than Square, establishing the operational framework for how chargeback-related financial obligations are handled. The clause specifies multiple collection mechanisms available to Square, which affects the account holder's liquidity management and payment flow through the platform.

Consumer impact (what this means for users)

Under this provision, the account holder assumes financial responsibility for chargebacks generated by their transactions, and Square is authorized to recover these amounts through automatic bank debits, payment offsets, or card charges without requiring separate authorization for each collection action. This means chargeback costs directly reduce the account holder's net proceeds from the service.

How other platforms handle this

ConvertKit Medium

To the maximum extent permitted by applicable law, Kit shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting ...

Replicate Medium

Marketplace Models are not provided by Replicate and Replicate does not control and has no liability for any Marketplace Models, including their security, functionality, operation, availability, or interoperability with the Services or how the Marketplace Models use your Content. Use of any Marketpl...

Pinterest Medium

To the maximum extent permitted by applicable law, Pinterest shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, res...

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▸ View Original Clause Language DOCUMENT RECORD
"
You are responsible for all chargebacks, claims, fines, fees, penalties and other liability arising from your use of the Services, including chargebacks initiated by your buyers. Square may recover amounts you owe us for chargebacks by debiting your linked bank account, offsetting amounts owed to you, charging your credit card on file, or pursuing any other legal remedy available.

— Excerpt from Square's Square Terms of Service

Applicable regulations

FTC Act Section 5
United States Federal

Provision details

Document information
Document
Square Terms of Service
Entity
Square
Document last updated
May 5, 2026
Tracking information
First tracked
May 10, 2026
Last verified
May 10, 2026
Record ID
CA-P-005113
Document ID
CA-D-00362
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
d8ac8e421bd1a8cefc8d349f6d06a4553cc30967019834ba1a898217d3dd5d57
Analysis generated
May 10, 2026 01:45 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: Square
Document: Square Terms of Service
Record ID: CA-P-005113
Captured: 2026-05-10 01:45:47 UTC
SHA-256: d8ac8e421bd1a8ce…
URL: https://conductatlas.com/platform/square/square-terms-of-service/chargeback-liability/
Accessed: June 10, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does Square's Chargeback Liability clause do?

This provision allocates chargeback liability to the account holder rather than Square, establishing the operational framework for how chargeback-related financial obligations are handled. The clause specifies multiple collection mechanisms available to Square, which affects the account holder's liquidity management and payment flow through the platform.

How does this clause affect you?

Under this provision, the account holder assumes financial responsibility for chargebacks generated by their transactions, and Square is authorized to recover these amounts through automatic bank debits, payment offsets, or card charges without requiring separate authorization for each collection action. This means chargeback costs directly reduce the account holder's net proceeds from the service.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 1 platforms. See the full comparison.

Is ConductAtlas affiliated with Square?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Square.