Skip to main content
Payments

Follow the flow: How fast, flexible cash flow supports health wellness businesses

Access your earnings instantly and keep your business moving.

3 min read

Healthy cash flow, healthier business. Running a health and wellness business requires adaptability and access to funds. The Square Debit Mastercard gives wellness businesses instant access to their money—so they can pay for what matters, right when they need it. Get your free debit card today.

Block, Inc. is a financial services platform and not an FDIC-insured bank. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard.


Health and wellness businesses help others feel their best through classes, resources, and even supplements. But healthy businesses need support, too, especially when it comes to cash flow.

Whether you’re hiring staff, restocking inventory, or prepping for seasonal demand, fast, reliable access to cash flow is essential. Breathe easy, business owners: The Square Debit Mastercard1 gives you instant access to your sales, so you’re ready for whatever the day brings.

In 2019, Square and Mastercard partnered to offer a free debit card made for small businesses: the Square Debit Mastercard. Fast-forward to 2025, and sellers can now sign for checking and payments in one seamless process.

Today, Square reports having over 265,000 active debit card sellers per month. In 2024, sellers using Square Checking spent more than $3.6 billion using their debit cards—a 29% increase compared to 2023.

We teamed up with Mastercard and Square to learn how the Square Debit Mastercard empowers wellness leaders to care for their customers and themselves.

Building a healthy foundation

Like any healthy practice, sustainable access to cash flow starts with creating a strong foundation. With the Square Debit Mastercard, merchants gain access to profits the moment they make a sale.

Picture this: You own a small yoga studio in the heart of your hometown. To celebrate your studio’s one-year anniversary, you organize a calendar of themed classes ranging from costume contests to ’90s jam sessions. After a successful marketing campaign and record turnout, those themed events bring in record revenue for your business. Score!

Traditionally, this is where the waiting game starts—aka waiting for your funds to transfer to your bank account before you can access them. With the Square Debit Mastercard, your funds are available instantly2—ready to cover new mats, better speakers, or even to hire more instructors.

Share the love

Small businesses rely on dedicated, dynamic staff members. The Square Debit Mastercard helps support your entire team, from full-time employees to vendors. Because the debit card makes cash available immediately after a sale, paying guest instructors, maintenance crews, nutritionists, and anyone else on your team is a breeze. You can also pay using a vendor’s preferred method, from debit card and ACH3 to bill pay and printable checks.

Keep business flowing

Running a health and wellness business takes resilience and adaptability—and that starts with steady, instant cash flow. The Square Debit Mastercard helps small businesses improve their agility and resilience, preparing for whatever the day brings.

To keep funds flowing, Square allows business owners to sign up for checking, debit, and payments in one streamlined process. This helps businesses access funds instantly to pay for new equipment, restock supplies, pay instructors sooner, and invest in what matters most for your business.

Ready to get started? Get your free business debit card.

1Block, Inc. is a financial services platform and not an FDIC-insured bank. FDIC deposit insurance coverage only protects against the failure of an FDIC-insured deposit institution. If you have a Square Checking account, up to $250,000 of your balance may be covered by FDIC insurance on a pass-through basis through Sutton Bank, Member FDIC, subject to aggregation of the account holder’s funds held at Sutton Bank and if certain conditions have been met. Square Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Mastercard. See Terms and Conditions.

2 Funds generated through Square’s payment-processing services are generally available in the Square Checking account balance immediately after a payment is processed. Fund availability times may vary due to technical issues. ACH transfer fund availability: Instant availability does not apply to funds added to the Square Checking account via ACH transfer. ACH credit transfers to your account may take 1–2 business days.

3With early deposit access, Block, Inc. may make incoming electronic direct deposits made through ACH available for up to two days before the scheduled payment date. Not all direct deposits are eligible. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Early deposit access is automatic and there is no fee.


Retail news that keeps industry pros in the know

Retail Brew delivers the latest retail industry news and insights surrounding marketing, DTC, and e-commerce to keep leaders and decision-makers up to date.