Understanding the Square Debit Card: A Comprehensive Guide
Intro
In today's fast-paced world, managing financial transactions is essential, especially for small business owners and individuals alike. The Square Debit Card has come to the forefront as a helpful tool in this regard. This card isn’t just a piece of plastic; it embodies a seamless connection between cash management and business operations. Aimed at simplifying financial flows, the Square Debit Card integrates smoothly with the broader Square ecosystem, providing numerous features that can enhance both budgeting and spending habits.
Grappling with everyday transactions can often feel like navigating through a maze. Luckily, the Square Debit Card aims to cut through the complexity. In this guide, we will explore its key functionalities, weigh its benefits against potential drawbacks, and discuss how it can reshape the landscape of personal finance and small business management. As we peel back the layers, you’ll gain insights to make well-informed decisions regarding this financial product.
From understanding the foundational terminologies associated with this card to diving deep into its role within the payment experience—let’s embark on this journey into the world of the Square Debit Card.
Prolusion to the Square Debit Card
In the whirlwind of today’s fast-paced financial landscape, understanding the tools at our disposal is paramount. The Square Debit Card is designed with small business owners and individuals in mind, offering a straightforward way to manage cash flow. With this card, users can access their Square earnings instantly, eliminating the waiting period that often comes with traditional banking options.
This article sheds light on the intricacies of the Square Debit Card, its benefits, and inherent limitations, weaving together a comprehensive narrative that’s crucial for anyone looking to harness this financial tool effectively. In doing so, we’ll also touch on how this card fits within Square's broader ecosystem, providing a seamless experience for transactions, budgeting, and overall financial decision-making.
What is the Square Debit Card?
The Square Debit Card serves as a financial lifeline for those involved in small-scale commerce. Essentially, it allows users to spend the money they've earned quickly and conveniently right from their Square balance. Unlike traditional debit cards linked to bank accounts, Square's offering is directly tied to the earnings generated through its payment processing services.
With no need for a linked bank account, this card simplifies access to funds. Users can utilize it for both business and personal expenses, making it versatile. It’s a no-nonsense approach that fits smoothly into the daily hustle of managing a small business. Furthermore, every transaction appears in the Square app, creating a clear and easily monitored financial overview.
Brief History of Square
Square Inc. burst onto the scene in 2009, founded by payment innovator Jack Dorsey and Jim McKelvey. Originally created to help small merchants process credit card payments through a mobile app and a small reader device, Square has since evolved into a comprehensive financial ecosystem. Its early success hinged on providing tools that catered to the unique needs of small business owners, allowing them to operate more efficiently in an increasingly digital economy.
Over the years, Square diversified its offerings, and the introduction of the Square Debit Card in 2019 marked a significant step towards enhancing user experience. Rather than merely being a payment processor, Square began to empower businesses with direct access to their own funds. This revolutionized how small business owners handle their finances, allowing for timely purchases and cash flow management.
In essence, the history of Square encapsulates a narrative of innovation and inclusion, directly shaping the financial tools available to small business owners today.
Key Features of the Square Debit Card
The Square Debit Card stands out in the realm of financial tools, particularly for small business proprietors and individuals seeking to keep tighter control over their finances. Its key features reflect not only its purpose but also how it integrates within the broader ecosystem of Square's services. Understanding these features lays a strong foundation for leveraging the card in everyday financial dealings.
Direct Access to Earnings
One of the standout elements of the Square Debit Card is its direct access to earnings. This isn’t just a fancy phrase; it means that the money you earn through your Square transactions is available to you immediately. Unlike traditional banking options, where deposits can take a few days to clear, Square ensures that cash flow remains unimpeded.
When you're a small business owner, having direct access to your earnings can feel like having the wind at your back. It offers a sense of immediacy and agility that can be crucial for maintaining a healthy operational tempo. For instance, if you happen to make a sale on a Saturday night, you won’t have to wait until Monday to access those funds for inventory or other expenses. This feature fundamentally alters the way financial management is approached within small businesses, offering almost instant gratification for efforts made.
No Monthly Fees
Another appealing aspect is the absence of monthly fees. In a landscape where many banking institutions will nickel-and-dime you for various services, Square breaks from the pack by eliminating these charges. It’s a breath of fresh air for anyone who is tired of watching their hard-earned money dwindle through fees that seem to multiply.
This means that users can fully enjoy the use of their Square Debit Card without the burden of ongoing costs. It allows for better budgeting and easier financial planning. Especially for startups or small businesses where every penny matters, not having those fees accumulating at the end of the month can make a significant difference. Think of it as putting more money back into the pot instead of siphoning it off for bank fees.
Integrated Cash Flow Management
Lastly, the integrated cash flow management tools that come hand-in-hand with the Square Debit Card offer a sophisticated yet user-friendly approach to monitoring business expenses. You don’t just receive a card; you get a companion application and an array of functionalities that let you see where your money is going.
This integration means users can break down expenditures across various categories—whether that's supplies, payroll, or marketing. By providing insights and reports, businesses can assess spending patterns, and thus make informed decisions. Users can almost visually map their finances out, allowing for adaptations in strategy should any issues arise.
"Having the Square Debit Card is like having a financial assistant in your pocket, ready to provide instant insights and features that traditional banks lack."
Benefits of Using the Square Debit Card
Using the Square Debit Card has a plethora of benefits tailored for small business owners and savvy individuals alike. This section will explore how it simplifies financial transactions, fosters effective money management, and enhances control over spending.
Streamlined Purchases for Small Businesses
When it comes to managing a small business, efficiency is king. The Square Debit Card offers a seamless purchasing experience that can significantly benefit business owners. Simply put, it allows for immediate access to sales revenues, eliminating the waiting game that comes with traditional banking methods. Instead of keeping track of checks or waiting for transfers, funds are accessible as soon as a transaction is complete.
What's more, integrating purchases directly with Square's ecosystem means transactions are automatically recorded in the Square app, facilitating better tracking of expenditures. This connection can also aid in audit preparations, making life a bit easier during tax season. Moreover, by using the Square Debit Card, small business owners can take advantage of promotions and discounts offered through their Square account, maximizing their purchasing power.
Budgeting and Financial Planning
Managing the balance between spending and saving can sometimes feel like walking a tightrope. The Square Debit Card acts as a trusty companion in this endeavor. Its features promote clarity and control over finances, allowing individuals to monitor their expenses in real-time.
Many people find the budgeting capabilities of the Square app particularly helpful. With categorization of transaction types, users can easily see where their money goes each month. This ability to track spending habits assists in making smarter choices and curbing unnecessary expenditures. Furthermore, having funds directly available fosters responsible spending, as users are less likely to spend money they don’t have. Keeping a close eye on one’s finances helps ensure that long-term financial goals remain attainable.
Flexibility and Control
Flexibility is often the name of the game when it comes to personal finance. The Square Debit Card embraces that principle wholeheartedly. Unlike traditional bank accounts that may impose limitations on transactions or require lengthy processes for fund access, the Square Debit Card offers a straightforward approach to managing cash flow.
Users enjoy the freedom to use their funds in various ways—whether for business expenses, groceries, or online purchases. The card also allows users to withdraw cash from ATMs, making it easy to access funds no matter where they are. This flexibility extends to budgeting as well, as users can adjust their spending habits based on their current financial situation. In a world that constantly changes, having control over one's finances brings peace of mind, allowing individuals to focus on what truly matters.
"In business, efficiency and flexibility are not just benefits; they are imperative for survival in a competitive market."
In summary, the Square Debit Card serves as a multifunctional tool that offers streamlined transactions, budgeting assistance, and flexibility, ultimately leading to smarter financial decisions for both individuals and small business owners.
Limitations of the Square Debit Card
While the Square Debit Card offers various advantages, it’s essential to recognize its limitations as well. Knowing these drawbacks can assist users in making informed choices about whether this card aligns with their financial goals, especially for small business owners and individual investors.
Usage Restrictions
One critical limitation of the Square Debit Card is its usage restrictions in certain situations. Unlike traditional debit cards, which can often be used universally at any merchant that accepts major credit cards, the Square Debit Card has specific environments where it works best.
For instance, merchants that do not engage with Square's processing system might not accept the Square Debit Card. This limits its flexibility for users who often shop at a variety of places. If you are running a small business or are a freelancer who needs to buy supplies from diverse vendors, you may find this limitation somewhat inconvenient.
Moreover, the Square Debit Card is primarily tailored for transactions tied to Square’s ecosystem. This means integrating it with other payment solutions, such as PayPal or Stripe, might not be as seamless. Users needing to navigate multiple financial solutions could face hurdles that derail their financial operations.
Consider the following points when evaluating usage restrictions:
- Merchant Acceptance: Make sure most of your transaction venues accept the card.
- Integration Issues: Be aware of challenges working with platforms outside Square.
- Limited Offers: Certain promotions or benefits may only apply when using specific Square services, possibly leaving some cash on the table elsewhere.
ATM and Transaction Limits
In addition to usage restrictions, ATM and transaction limits present another core limitation. The Square Debit Card does indeed allow users to withdraw cash via ATMs, yet this involves specific caps that could surface challenges for more significant cash needs.
According to Square’s policies, there are daily limits on withdrawals, usually capped at a certain dollar amount. This cap means that if you find yourself in need of a larger lump sum—say to pay a supplier or vendor who insists on cash—you may find yourself out of luck unless you plan ahead. Additionally, frequent travelers may find the ATM limits restricting during trips abroad, where currency exchanges can exacerbate the situation.
As for transaction limits, similar rules apply. Users can only spend within the constraints set by Square. If you have a big-ticket purchase or a lump sum to pay for services, your transaction may need to be split, leading to possible headaches and delays.
To underscore this limitation:
- Withdrawal Cap: Typically a few hundred or thousand dollars daily, verify your card for specific limits.
- Transaction Size: High-value transactions may require alternate methods.
- Fees and Accessibility: Not all ATMs are equal, and withdrawal fees could apply.
The Square Debit Card serves well for many day-to-day transactions, but the restrictions on usage and limits can cause frustration when operating outside Square’s ecosystem or managing substantial cash needs.
Recognizing these limitations is vital in ensuring that the Square Debit Card matches your financial behavior and needs. Understanding how it interacts with your financial strategy can help you avoid potential pitfalls.
Comparing Square Debit Card to Other Financial Products
When diving into the financial tools available, it helps to understand how different options stack up against each other. The Square Debit Card isn’t just another option on the market; its unique features cater specifically to businesses and individuals aiming for more control over their finances. This section discusses how the Square Debit Card compares with traditional bank debit cards and prepaid cards, helping potential users make informed decisions on what suits their needs best.
Square Debit Card vs. Traditional Bank Debit Cards
Traditional bank debit cards often promise convenience but can come with their own set of quirks and potential hidden fees. For small business owners or freelancers, the Square Debit Card offers distinct advantages. For instance:
- Direct Access to Earnings: Unlike many traditional banks where there may be a waiting period for funds to clear, Square provides immediate access to earnings deposited from sales. This feature transforms financial management by making funds readily available when they are needed, essentially speeding up cash flow.
- No Monthly Fees: Many traditional bank debit cards come with monthly upkeep fees or minimum balance requirements. Square eliminates these fees, allowing users to retain more of their hard-earned money, which is particularly valuable for small enterprises just starting.
- Integrated Financial Tools: Traditional debit cards can offer limited online banking features, whereas Square's app provides robust handling tools. Users can manage sales, track expenses, and pull reports directly from their Square account, all in one place. This integration is a game-changer, making the overall financial management experience much smoother.
However, traditional bank debit cards do provide some advantages, such as:
- Wider Acceptance: While Square operates very well within its ecosystem, traditional banks often have a broader acceptance than Square cards in all types of establishments.
"Square Debit Card offers immediate access to funds, unlike many traditional bank options that can delay the process."
Square Debit Card vs. Prepaid Cards
Prepaid cards can act as a budgeting tool by allowing users to only spend what they load onto the card. They’re generally viewed as safe options, but they also have their limitations. Let’s compare:
- Spending Control: Prepaid cards shine in terms of setting spending limits; however, they tend to come with various loading fees. In contrast, the Square Debit Card connects directly to a Square account and allows users to manage funds without having to load money onto a separate card.
- Convenience in Accessing Earnings: Like traditional debit cards, prepaid options might take time to load funds or may charge fees on repeating the loading process. With Square, the direct access to earnings offers a level of convenience that traditional prepaid options rarely do. Additionally, there is generally no card activation fee with the Square card.
- Lack of Financial Tools: Prepaid cards usually don’t come with tools for tracking expenses or managing earnings. The Square app provides these vital functions, turning the debit card into a financial management tool as well as a payment tool.
On the flip side, prepaid cards can be better in terms of:
- Lower Risk to Bank Account: Since they don’t connect to a bank account, if someone loses a prepaid card, the risk is limited to the funds on that card, which could give some peace of mind to users.
In essence, both entries have their pros and cons, and the right choice often comes down to individual financial goals and needs. The Square Debit Card is tailored for those actively engaging in business, giving them not just a method to pay but also tools to navigate their financial waters more effectively.
Ultimately, knowing the differences between Square Debit Card and other financial products like traditional bank debit cards and prepaid cards is essential for making informed choices in today’s financial landscape.
How to Obtain a Square Debit Card
Getting your hands on a Square Debit Card can be a straightforward process, yet it’s crucial to understand the ins and outs before diving in. This part of the article aims to highlight the importance of knowing how to apply for this card. For many small business owners and individuals, this debit card carries not just financial freedom, but also seamless integration into the Square ecosystem. By acquiring it, you can reclaim a level of control over your earnings and spend efficiently without unnecessary delays or fees.
Eligibility Requirements
Before you even think about the application process, you must qualify. The eligibility criteria for the Square Debit Card isn’t overly complicated, but it does have specific guidelines.
- Square Account: First and foremost, you need to have a Square account. This is your gateway into the Square financial universe. If you’ve been using Square for payments, you already check this box.
- Business Profile: If you are a business owner, your profile must reflect accurate information. Having a registered business name and a validated address can streamline the verification process.
- Age Requirement: You should be at least 18 years old. This is a standard requirement across most financial products and ensures that you can responsibly manage the account.
- Location: The card is primarily available in the United States, so you must be residing in a state covered by Square services.
Once you’ve ticked off these criteria, you’re well on your way to securing a Square Debit Card. It’s always good to double-check with Square's website or customer support to ensure you meet all the requirements, particularly if there are any changes or updates.
Application Process
Applying for the Square Debit Card is generally a smooth and intuitive journey. Following these steps can make the application hassle-free:
- Log In to Your Square Account: Start by logging into your Square dashboard. If you don't have an account yet, you need to create one first.
- Navigate to the Card Section: In your dashboard, there should be a dedicated section for issuing cards. It’s usually labeled clearly to avoid any confusion.
- Complete the Application Form: You’ll be prompted to fill out an application form. Here you need to enter personal and business information, such as your name, business name, address, and any other requested details.
- Review and Accept Terms: Before you hit the submit button, take a moment to review the terms and conditions associated with the card. Skimming through this fine print can save you from future headaches.
- Submit Your Application: Once you’re confident everything’s filled out correctly, submit your application and wait for confirmation. Approval typically comes through within a few business days.
- Receive Your Card: If all goes well, you will receive your Square Debit Card via mail at the address you provided. Be sure to activate it promptly to start accessing your funds.
"Understanding the eligibility and application process helps mitigate delays and enhances your experience with the Square Debit Card."
Once you have the card, it’s important to familiarize yourself with its features. Overall, knowing how to obtain the Square Debit Card enriches your financial toolkit, making it easier to manage payments and cash flow efficiently.
Square Debit Card Security Measures
In the digital age, security has become paramount, especially in financial transactions. The Square Debit Card aims to provide a safe environment for small business owners and individuals. Understanding how security measures function could significantly impact users' confidence and experience with their finances.
Fraud Protection
Fraud can strike when you least expect it. For Square Debit Card users, it’s crucial to understand that fraud protection is a cornerstone element. Square implements a comprehensive framework that monitors transactions for suspicious activities. This means that if something appears out of the ordinary—say a transaction in a place or time you usually wouldn't be—alerts can be triggered, and further actions can be taken.
One striking aspect of fraud protection is the immediate notifications sent to users. When there's activity on your card, you're alerted almost instantly. This immediate feedback loop ensures cardholders can respond quickly in case of unauthorized use. Here are some features of Square's fraud protection:
- Real-Time Monitoring: Transactions are monitored continuously.
- Immediate Alerts: Notifications sent as soon as transactions occur.
- Dispute Resolution: Users can easily dispute charges through the app, which can make the process smoother.
In essence, having such robust fraud protection could be a game changer for many business owners, allowing them to focus on their enterprises without constantly worrying about the safety of their funds.
Data Encryption Policies
Another critical layer of security for the Square Debit Card is its data encryption policies. The term 'encryption' might sound technical, but at its core, it’s about scrambling your data so that only authorized parties can read it. This is particularly essential for the sensitive financial information linked to your card.
Square employs various encryption methods to secure transmitted data between your card and their servers. This covers:
- Transport Layer Security (TLS): This technology ensures that any data sent over the internet is encrypted, making it significantly harder for malicious actors to intercept or manipulate.
- End-to-End Encryption: Even the transaction data sent to Point of Sale (POS) systems is encrypted. This way, hackers are left out in the cold.
By utilizing sophisticated encryption strategies, Square not only protects users' personal and financial data but also fosters trust. It’s not just about protecting against theft; it's about securing the entire transaction experience.
"When it comes to financial transactions, one can never be too cautious. Security should feel like a fortress rather than a flimsy wall."
In summary, the Square Debit Card includes vital security measures focusing on fraud protection and data encryption policies. These aspects are designed to give users peace of mind while managing their finances, ensuring they can engage in transactions with confidence.
User Experience and Interface
User experience and interface design are crucial when it comes to financial products like the Square Debit Card. For users, especially small business owners, having a smooth, intuitive interface can mean the difference between efficient cash management and unnecessary headaches. In the fast-paced world of finance, time is money, and a user-friendly application can streamline operations, saving users from unnecessary complications.
When navigating the Square Debit Card features via the app, users consider several elements such as accessibility, design clarity, and functionality. A well-designed app doesn’t just look good; it enhances user confidence in managing their finances. With various functionalities like tracking expenses, managing transactions, and accessing financial insights, the design must align with users' practical needs. Ultimately, this contributes to a seamless interaction that encourages more efficient usage of the card.
Navigating the Square App
Navigating the Square app is straightforward, thanks to its thoughtfully designed interface. Upon opening, users are greeted with a clear dashboard that provides a snapshot of their account activities, including the balance and recent transactions. This immediate accessibility to information is crucial for keeping track of spending.
Key features found in the app include:
- Transaction History: Users can easily review past transactions, making it simpler to track spending accurately.
- Expense Categorization: The app allows for sorting transactions into categories, which aids in budgeting.
- Notifications and Alerts: Users receive updates regarding their account, helping them remain informed of their current balance or any suspicious activity.
The layout is intuitive. Moving between different sections is as easy as pie, which is particularly important for those juggling multiple hats in their businesses. It’s often said that a picture is worth a thousand words. In this sense, the visual representation of data – like graphs showcasing spending patterns – equips users to make informed decisions quickly. Overall, this ease of navigation encourages more frequent usage of the card and, by extension, deeper engagement with Square's suite of services.
Customer Support Options
Even the best apps can run into issues, and that’s where robust customer support comes into play. Square understands that providing assistance isn’t just about having an FAQ page. Instead, it's about creating a range of options for users to reach out for help when needed.
Some available support options include:
- Live Chat Support: Users can engage in real-time conversations with customer service representatives. This is especially helpful for urgent issues that require immediate attention.
- Email Support: For less pressing inquiries, users can opt to send an email detailing their concern, with the expectation of a timely response.
- Help Center: A comprehensive online resource filled with articles and guides assists users in troubleshooting common issues independently.
- Community Forums: Engaging with other users through platforms like Reddit can also provide insights and solutions from peers who have encountered similar issues.
Providing multiple avenues for support fosters confidence in the service. When users know they are not left in the dark, they are more likely to trust the card and its associated services, enhancing their overall experience. An effective support system transforms potential frustrations into opportunities for growth and user loyalty, making it a vital aspect of the Square Debit Card’s value proposition.
Practical Applications of the Square Debit Card
Understanding the practical applications of the Square Debit Card offers invaluable insights into how it can serve as a game changer, especially for small business owners and individuals managing finances. This section will delve into the nuances of the practical implications of using this card, exploring both the benefits and the best practices associated with its use.
Best Practices for Small Business Owners
For small business owners, the Square Debit Card isn’t just another plastic card; it’s a lifeline to streamlined financial operations. Here are some best practices to maximize its utility:
- Track and Categorize Expenses: Use the Square app to categorize purchases. This practice allows you to keep an eye on spending patterns and identify areas for cost-cutting.
- Set Spending Limits: Implement spending limits for employees using the card. This can curtail unnecessary expenses and foster accountability.
- Automate Payments: Whenever possible, link the card to recurring expenses, such as subscriptions and service bills. This can save time and mitigate the risk of late fees.
- Separate Business and Personal Transactions: It's critical to maintain a clear boundary between business and personal finances. Using the card solely for business creates cleaner financial records, making tax season less of a headache.
Adhering to these practices not only helps in effective cash flow management but also simplifies the auditing process when tax time rolls around.
Using the Card for Personal Financial Transactions
The Square Debit Card also holds distinct advantages for private individuals. Here are some key applications:
- Direct Access to Earnings: Unlike traditional banking methods, the Square Debit Card provides immediate access to funds, allowing individuals to withdraw or spend their earnings instantly.
- Convenient Spending: For personal expenses, being able to tap into earned funds directly simplifies numerous transactions — whether you’re making a quick purchase online or handling in-store payments.
- Budgeting Tools within the App: Square's integrated financial tools enable users to budget smarter. The app often provides insights and visualizations of spending habits, empowering users to manage their finances effectively.
- Cash Back Offers: Depending on the integrated systems and partnerships, users might benefit from cashback offers on various purchases. This can serve as a small incentive for judicious spending.
In summary, understanding the practical applications of the Square Debit Card unveils its potential as an effective tool for both business and individual financial management. It not just simplifies the cash flow but also aids in budgeting and expense tracking. As consumer habits continue to evolve, leveraging the card's functionalities may just put users one step ahead in managing their finances well.
Future of Financial Products like the Square Debit Card
The landscape of financial products is ripe for transformation, especially with solutions like the Square Debit Card paving the way. Understanding this future is crucial for individuals and small business owners alike, as it shapes how money is managed and transactions are conducted. Financial technology continues to evolve, bringing both challenges and opportunities for consumers looking for efficient, user-friendly options.
Trends in Payment Technologies
Payment technologies are witnessing rapid advancements, emphasizing convenience, security, and integration. As more people rely on digital transactions, the following trends can be noted:
- Contactless Payments: The popularity of tap-to-pay systems has surged, driven by consumer demand for speed and hygiene. With Near Field Communication (NFC) technology, users can make transactions with just a smartphone or card, ensuring quick exchanges that fit with today’s fast-paced lifestyle.
- Mobile Wallets: Applications like Apple Pay or Google Wallet are becoming household names due to their ease of use. They allow individuals to store multiple cards digitally and complete transactions without fumbling for cash or cards.
- Cryptocurrency Integration: Growing interest in cryptocurrencies is forcing traditional financial products to adapt. Square’s involvement in this domain, with their push for Bitcoin features, hints at how future financial tools could enable seamless cryptocurrency transactions, catering to the evolving preferences of tech-savvy users.
- AI and Automation: Artificial intelligence is transforming how financial products are developed. With AI, transaction monitoring and fraud detection become more efficient, ensuring users have a safer experience. The ability for AI to analyze spending habits also allows for personalized recommendations, making budgeting less of a chore.
These trends indicate a push towards a more interconnected, user-friendly financial ecosystem, where products like the Square Debit Card can play a pivotal role.
Evolving Consumer Behavior
Consumer behavior is slowly shifting, driven by technological familiarity and changing values. Today’s financial consumers seek transparency, flexibility, and control. Here’s how these shifts are manifesting:
- Demand for Accountability: Users are now more inclined towards products that offer insights into their spending. Tools like the Square Debit Card’s integrated cash flow management feature resonate with customers who prioritize visibility in their finances.
- Preference for Digital Solutions: With a growing reliance on smartphones, many consumers prefer to manage their finances digitally. A physical card isn’t as appealing when users can accomplish tasks directly from their devices, which has implications for product design and functionality.
- Increased Emphasis on Security: As online threats loom larger, consumers expect robust security measures from financial products. They look for features like fraud protection and data encryption, which Square's offerings embody.
- Social and Collaborative Spending: There’s a shift towards community-based financial tools. Consumers are interested in platforms that allow shared expenditures or group budgeting. The Square ecosystem, with its focus on small business transactions, supports this collaborative approach, making it a favorite among collective buyers and entrepreneurs.
The future of financial products like the Square Debit Card hinges on understanding and adapting to these consumer behaviors.
