> After completing a transaction this past week

So, I'm wiling to bet this is a high-dollar transaction. These generally have a high-risk associated with them, and generally aren't accepted by a service like Square. In fact, I imagine the transaction was someone paying you to "license" your patent.

https://news.ycombinator.com/item?id=6308902 http://patents.justia.com/patent/20130013387

In which case, Square is very much in the right, and you are indeed abusing the service provided.

If this is incorrect, please share.

> Holding OUR money for 90 days is ludicrous also

You are clearly not knowledgeable about credit card processing and the banking industry.