Square首次亮相銀行工具，以幫助賣家即時獲得其資金

Square首次亮相銀行工具，旨在幫助賣家即時獲得其資金。

Square has expanded its platform’s banking service to let business owners sign up for a Square payments account and a free Square Checking account through one application from Square’s website and point-of-sale app, according to a Wednesday (April 30) news release.

根據周三（4月30日）新聞稿，Square已擴大了平台的銀行服務，以使企業主通過Square網站和銷售點應用程序的一個應用程序註冊Square Payments帳戶和免費的Square支票帳戶。

In addition, Square has updated its savings account to include new personalized savings recommendations, using cash flow data and industry insights, to make it easy for merchants to organize their funds into folders for important expenses like taxes and supplies.

此外，Square已更新了其儲蓄帳戶，以使用現金流數據和行業洞察力包括新的個性化儲蓄建議，以使商人可以輕鬆地將其資金組織到文件夾中，以獲取重要的費用，例如稅收和用品。

“Cash flow management is the lifeblood of a small business - it can mean the difference between success and failure,” the company said in the release.

該公司在新聞稿中說：“現金流量管理是一家小型企業的命脈 - 這可能意味著成功與失敗之間的差異。”

“However traditional banking services, designed to serve larger, more established businesses, introduce high levels of cost, risk, and complexity for the most cash flow-dependent businesses. Their processing delays, transaction fees, disconnected systems and lack of simple management tools make it difficult for small businesses to maintain healthy cash flow, access capital when they need it or make informed financial decisions in real-time.”

“但是，旨在為最大，更具成熟的企業服務的傳統銀行服務，為最依賴現金流量的企業提供高水平的成本，風險和復雜性。它們的處理延遲，交易費用，脫節的系統以及缺乏簡單的管理工具使小型企業難以維持健康的現金流量，在需要時獲得健康的現金流，在實時實時進行知情的金融決策。”

According to the release, Square now lets business owners set up payments and banking in minutes through a single application to gain more control over their cash flow and eliminate the normal waiting period associated with bank transfers.

根據新聞稿，Square現在可以通過單個申請在幾分鐘內建立付款和銀行業務，以獲得對其現金流的更多控制權，並消除與銀行轉讓相關的正常等待期。

The launch comes as small businesses are facing increasing pressure, as PYMNTS wrote earlier this week in a report on how small and medium-sized businesses (SMBs) are dealing with tariffs.

正如PYMNTS在本週早些時候寫道的那樣，該發布會面臨著越來越大的壓力，這是因為中小型企業（中小型企業（SMB）如何應對關稅的報告。

Close to 20% of SMBs are pessimistic about their odds of surviving the next five years, according to the PYMNTS Intelligence report “Brewing Storm: Why 1 in 5 Smaller Businesses Without Financing Fear They May Not Survive Tariffs.”

根據PYMNTS Intelligence報告的“釀造風暴：為什麼有1名較小的企業中有1個沒有資助，他們可能無法倖免於關稅，近20％的中小型企業對未來五年生存的機率感到悲觀。

“We need high-growth businesses to survive and thrive [in this uncertain economy],” Lucy Demery, senior vice president and head of Visa Commercial Solutions, Europe, told PYMNTS in February, adding that embedded options are showing themselves to be a “huge unlock for supply chain payments.”

“在這種不確定的經濟中，我們需要高增長的企業才能生存和繁榮，”歐洲簽證商業解決方案副總裁兼簽證商業解決方案負責人露西·黛咪（Lucy Demery）在2月對PYMNTS表示，並補充說，嵌入式選擇表明自己是“巨大的供應鏈付款銷售巨大的解鎖”。

In spite of these efforts, not every SMB can adapt. Many are walking away from international sourcing altogether, instead going with domestic suppliers - even at a greater cost.

儘管做出了這些努力，但並非每個SMB都能適應。許多人完全擺脫了國際採購，而不是國內供應商，即使以更大的代價也是如此。

“But this tactic of reshoring is not always feasible,” PYMNTS wrote. “Many SMBs - especially those dealing in specialized goods or components - simply don’t have domestic alternatives. For others, switching suppliers means lengthy disruptions, costly compliance audits and the risk of losing product certifications.”

Pymnts寫道：“但是這種重新設備的策略並不總是可行的。” “許多中小型企業 - 尤其是那些從事專業商品或組件的中小企業 - 根本沒有國內替代方案。對於其他人來說，切換供應商意味著長時間的中斷，昂貴的合規性審核以及丟失產品證書的風險。”