Manage your Square Credit Card credit limit
About Square Credit Card credit limit increases
Your Square Credit Card credit limit is the maximum amount you can spend at any given time. Square automatically and continuously reviews your account to determine eligibility for higher limits based on factors like your Square sales volume, account history, and card usage patterns.
Factors that impact eligibility for Square Credit Card credit limit increases include, but are not limited to, your current payment processing volume, your customer mix, your Square account history, and your Square Credit Card history. Please be aware that aspects of your repayment history, account default, processing history, failed debits, chargeback history on your Point of Sale account, and changes to your processing behavior may impact your eligibility for credit line adjustments.
Credit limit increases work similarly to Square Loans — they're invite-only offers based on automatic eligibility reviews. You can't manually request or apply for credit limit increases. Note that even with a higher credit limit, individual transactions are still capped at $25,000.
Before you begin
You can review and manage credit limit offers from two places:
Email notifications sent to your Square account address
Square Dashboard when signed in to your account
Credit limit offers are available for up to 14 days. If you don't take action during this window, the offer may be automatically accepted.
Review your current credit limit
Sign in to Square Dashboard and go to Banking > Credit Card.
View your current credit limit and available balance.
Accept or decline a credit limit offer
From email
Open the credit limit offer email from Square.
Click Review Offer to see the details.
Select Accept or Decline the new limit.
From Square Dashboard
Sign in to Square Dashboard and go to Banking > Credit Card.
Look for the credit limit offer notification.
Click Review Offer to see the details.
Select Accept or Decline the new limit.
Request to lower your credit limit
If your credit limit was already increased and you want to return to your previous limit, contact Square Support through your Square Dashboard.