it says pending transfer but never happens
Call the customer service phone number at Square or use whatever support method they offer. I doubt anyone else can give you an accurate answer without more info. For example, what if you have a poor history on the platform or something similar...
The devil is always in the details, and there are a few things that notably diminish the efficacy of Square’s chargeback protection plan. That is more than most payment platforms offer, but for merchants who sell high-value goods or services, one or two chargebacks can quickly eat it right up. After Square covers the $5 chargeback, your remaining balance for that month would be $245, and no portion of the $250 chargeback would be covered. Merchants are also required to comply with Square’s best practices for accepting payments to qualify for chargeback reimbursement.
You can read more here: https://www.chargebackgurus.com/blog/square-chargebacks
Besides if you do have any questions give me a call: https://clarity.fm/joy-brotonath