If an owner is taking the tips owed to the employee that’s illegal. Most places have a tip share suggested policy. At my place the kitchen gets 10% of food sales as a tip… Typically whether or not the customer has chosen to actually tip.
As someone who uses square at our business, you can indeed customize it a little bit. Though I’ve never seen the “talk to a cashier button.” Ours says custom tip where someone can place a zero $$ tip as well.
But to the point of square taking a cut… The entire amount (including tip) has a percentage taken by square… So they do want you to have as big a transaction as possible because they make more money.
Consider me ‘got’ lol