Yeah, for square the user can use debit card info or routing/account info. It appears that square has designed the onboarding UI to strongly favor debit cards

Yeah, for square the user can use debit card info or routing/account info. It appears that square has designed the onboarding UI to strongly favor debit cards, but there is a little link in there to account instead. The really curious thing, however, is that no matter which one you choose, the transactions appear to be debit. I'm pretty sure I signed up with an account number, but all the transactions in and out of my account are debit transactions. FWIW, chase online clearly report either "ACH {Credit,Debit}" or "Debit Card Transaction"