Square is literally the worst. Do not use. I just started a staging company. My first client was a real estate agent and I was paid via cash and check. My second is a friend I've known for years. He wanted to pay with CC. I opened a square account. He had me stage a couple rooms in his house and the feedback at his open house convinced him to hire me for the rest. I finish working a 14 hour day at midnight and charge him while we were catching up. Go to transfer the money, which was around 2300 when I got home and couldn't. My account was under review. I have a website and business cards. I just started this business and he was my second client. There isnt a license I need for this and I was waiting to create an LLC for a few different reasons. They are making me wait 9p days for my money. 90 days. For MY money.