I believe I fixed the apostrophe error where the credit card form would not load when a users name or address contained the apostrophe character.

I edited the file jscript_square_webPay.php inside the in includes/modules/pages/checkout_payment folder.

lines 88 to 103

PHP Code:
        async function verifyBuyer(payments, token) {
            const verificationDetails = {
                amount: '<?= zen_round($order->info['total'], 2); ?>',
                billingContact: {
                    addressLines: ["<?= $order->billing['street_address']; ?>", "<?= $order->billing['suburb']; ?>"],
                    familyName: "<?= $order->billing['lastname']; ?>",
                    givenName: "<?= $order->billing['firstname']; ?>",
                    email: "<?= $order->customer['email_address']; ?>",
                    country: "<?= $order->billing['country']['iso_code_2']; ?>",
                    phone: '<?= $order->customer['telephone']; ?>',
                    state: "<?= $order->billing['state']; ?>",
                    city: "<?= $order->billing['city']; ?>",
                },
                currencyCode: '<?= $order->info['currency']; ?>',
                intent: 'CHARGE',
            };

it worked for me but please verify this is the correct fix. thanks!