Square首次亮相银行工具，以帮助卖家即时获得其资金

Square首次亮相银行工具，旨在帮助卖家即时获得其资金。

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.

根据周三（4月30日）新闻稿，Square已扩大了平台的银行服务，以使企业主通过Square网站和销售点应用程序的一个应用程序注册Square Payments帐户和免费的Square支票帐户。

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已更新了其储蓄帐户，以使用现金流数据和行业洞察力包括新的个性化储蓄建议，以使商人可以轻松地将其资金组织到文件夹中，以获取重要的费用，例如税收和用品。

“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.

该公司在新闻稿中说：“现金流量管理是一家小型企业的命脉 - 这可能意味着成功与失败之间的差异。”

“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，旨在为最大，更具成熟的企业服务的传统银行服务，为最依赖现金流量的企业提供高水平的成本，风险和复杂性。它们的处理延迟，交易费用，脱节的系统以及缺乏简单的管理工具使小型企业难以维持健康的现金流量，在需要时获得健康的现金流，在实时实时进行知情的金融决策。”

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.

根据新闻稿，Square现在可以通过单个申请在几分钟内建立付款和银行业务，以获得对其现金流的更多控制权，并消除与银行转让相关的正常等待期。

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在本周早些时候写道的那样，该发布会面临着越来越大的压力，这是因为中小型企业（中小型企业（SMB）如何应对关税的报告。

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.”

根据PYMNTS Intelligence报告的“酿造风暴：为什么有1名较小的企业中有1个没有资助，他们可能无法幸免于关税，近20％的中小型企业对未来五年生存的几率感到悲观。

“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.”

“在这种不确定的经济中，我们需要高增长的企业才能生存和繁荣，”欧洲签证商业解决方案副总裁兼签证商业解决方案负责人露西·黛咪（Lucy Demery）在2月对PYMNTS表示，并补充说，嵌入式选择表明自己是“巨大的供应链付款销售巨大的解锁”。

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.

尽管做出了这些努力，但并非每个SMB都能适应。许多人完全摆脱了国际采购，而不是国内供应商，即使以更大的代价也是如此。

“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写道：“但是这种重新设备的策略并不总是可行的。” “许多中小型企业 - 尤其是那些从事专业商品或组件的中小企业 - 根本没有国内替代方案。对于其他人来说，切换供应商意味着长时间的中断，昂贵的合规性审核以及丢失产品证书的风险。”