Serve profits fast. Local restaurants thrive when they have immediate access to cash. With the Square Debit Mastercard, restaurants can spend their sales instantly—no waiting, no hassle. Start spending your sales instantly. Learn more.
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.
Picture this: You run the neighborhood’s favorite coffee shop. Disaster strikes: Your espresso machine breaks before the Monday rush. No cappuccinos = no sales.
Not the ideal start to your week, but don’t panic. You book a repair—paid for using today’s sales, pre-espresso machine meltdown.
With the Square Debit Mastercard1, you get instant access to your earnings the moment you make a sale. No waiting. No cashflow gaps. Just real-time business agility.
Square gives you instant access to your earnings2, so you can spend on repairs, inventory, or vendor payments without skipping a beat.
You read that right. Since 2019, Square and Mastercard have partnered to bring sellers the Square Debit Mastercard—a free business debit card designed specifically for small businesses. And now, new account holders can sign up for checking and payments in one convenient step, speeding up access to the tools they need.
The numbers speak for themselves. Square reports having over 250,000 active debit card sellers per month. And 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 quick-service restaurants and small businesses to adapt quickly as they grow.
Tap into funds instantly
With the Square Debit Mastercard, merchants gain access to funds the moment they make a sale. Let’s go back to your hypothetical coffee shop. As soon as you sell the day’s first latte and breakfast sandwich, you can access that revenue immediately.
As the morning slows down, your staff is busy prepping for lunch hour and the mid-afternoon rush. If the shop runs out of cream, sugar, or even fresh fruit, one of your team members can take the Square Debit Mastercard to a local grocery store to grab the ingredients needed for the busy afternoon ahead—all paid for by the morning’s sales.
The same goes for equipment malfunctions and repairs. If an oven goes out, the shop can pay for repairs the same day. With funds instantly available, merchants can keep their shops running, the coffee strong, and customers happy.
Fast-paced industry, faster payments
In restaurants, things move fast: Vendors drop off fresh ingredients daily, menus need last-minute adjustments, and equipment needs regular tune-ups. Merchants must be able to manage and pay for what they need as quickly as possible.
Because the Square Debit Mastercard makes funds available immediately after a sale, merchants can eliminate worries about how long it’ll take to pay vendors. No more cashflow gaps or delays: You can pay instantly using your vendor’s preferred method, from debit card and ACH3 to bill pay and printable checks.
Instant flexibility, lasting impact
The restaurant business is ever changing, but the need for agility and flexibility is constant. The Square Debit Mastercard empowers restaurants and small businesses to adapt to whatever the day (or night) brings.
Now, merchants can opt in to checking and payments in one streamlined process—making it faster than ever to get your free business debit card and start spending your funds on what matters most. Cover business expenses, pay for supplies, access funds, and move money whenever you need to.
Small businesses need speed to succeed. Square Debit Mastercard can help. Get your free business debit card.