They are competing with the big unseen giants like First Data (https://en.wikipedia.org/wiki/First_Data https://en.wikipedia.org/wiki/First_Data) who owns clove

They are competing with the big unseen giants like First Data (https://en.wikipedia.org/wiki/First_Data https://en.wikipedia.org/wiki/First_Data) who owns clover. Square has a small part of the pie. They may be used by food trucks, small vendors, and people at the local farmers market but where the real money is coming in there are established players already.