867 payments in this window carried no card details at all (cash / external / wallet tenders, $66,847 taken). They have no card type to report and are excluded from every table below.
Card payments taken
26,226
$6,559,205
Debit - share of value
54.7%
17,886 payments / $3.59M
Credit - share of value
45.3%
8,340 payments / $2.97M
Debit decline rate
49.8%
vs 32.6% on credit
Prepaid payments
1,537
5.9% of all / $190k
Value declined
$5.71M
21,813 failed attempts
Debit vs credit vs unknown
Every card attempt Square recorded across all 6 merchant accounts and 29 locations between 2026-06-01 and 2026-08-31, deduplicated by payment id. Payments taken = status COMPLETED. Decline rate = FAILED divided by (FAILED + COMPLETED); cancelled and still-authorised attempts are left out of the rate. UNKNOWN is the issuer's own answer - Square could not classify the BIN - not a gap in this report.
| Card type | Payments taken | Value taken |
Avg payment | Customers |
Decline rate | Value declined |
| DEBIT |
17,886 68.2% |
$3,588,962 54.7% |
$200.66 |
12,511 |
49.8% 17,769/35,655 |
$4.17M |
| CREDIT |
8,340 31.8% |
$2,970,243 45.3% |
$356.14 |
5,875 |
32.6% 4,042/12,382 |
$1.54M |
| UNKNOWN |
0 0.0% |
$0 0.0% |
- |
0 |
100.0% 2/2 |
$75 |
| TOTAL |
26,226 |
$6,559,205 |
$250.10 |
17,984 |
45.4% |
$5.71M |
The answer: 68.2% of the card payments we take are debit and 31.8% are credit (0.0% unknown). By value it is 54.7% debit / 45.3% credit - average debit payment $200.66 against $356.14 on credit.
Debit declines MORE than credit: 49.8% vs 32.6% - a 17.2pt penalty, 1.53x. Across 35,655 debit attempts that is roughly 6,130 extra failures in the window than if debit behaved like credit.
Prepaid: 4,679 attempts (9.7% of all), $190,400 taken, declining at 67.2% against 43.1% on funded cards. Prepaid is materially worse and is worth its own collections rule.
Where the money comes from - by city
| City | Payments taken | Value taken |
Avg payment | Customers |
Decline rate | Value declined |
| Florida |
5,924 22.6% |
$1,762,606 26.9% |
$297.54 |
4,328 |
38.1% 3,648/9,572 |
$1.18M |
| Texas |
6,831 26.0% |
$1,669,002 25.4% |
$244.33 |
4,551 |
48.7% 6,481/13,312 |
$1.61M |
| New York |
4,161 15.9% |
$961,878 14.7% |
$231.17 |
2,783 |
51.9% 4,494/8,655 |
$1.13M |
| Chicago |
3,395 12.9% |
$829,164 12.6% |
$244.23 |
2,365 |
41.6% 2,416/5,811 |
$705k |
| Boston |
2,949 11.2% |
$671,030 10.2% |
$227.54 |
2,011 |
42.2% 2,157/5,106 |
$488k |
| Nashville |
2,966 11.3% |
$665,525 10.1% |
$224.38 |
1,946 |
46.9% 2,617/5,583 |
$604k |
| TOTAL |
26,226 |
$6,559,205 |
$250.10 |
17,984 |
45.4% |
$5.71M |
Month by month
| Month | Payments taken | Value taken |
Avg payment | Customers |
Decline rate | Value declined |
| 2026-06 |
8,887 33.9% |
$2,209,245 33.7% |
$248.59 |
8,459 |
44.5% 7,132/16,019 |
$1.90M |
| 2026-07 |
8,827 33.7% |
$2,254,376 34.4% |
$255.40 |
8,394 |
45.0% 7,212/16,039 |
$1.86M |
| 2026-08 |
8,512 32.5% |
$2,095,584 31.9% |
$246.19 |
8,170 |
46.7% 7,469/15,981 |
$1.94M |
| TOTAL |
26,226 |
$6,559,205 |
$250.10 |
17,984 |
45.4% |
$5.71M |
By card brand
Sorted by payments taken. Same columns as every other table on this report.
| Brand | Payments taken | Value taken |
Avg payment | Customers |
Decline rate | Value declined |
| VISA |
17,058 65.0% |
$4,189,543 63.9% |
$245.61 |
12,010 |
46.7% 14,949/32,007 |
$3.92M |
| MASTERCARD |
7,094 27.0% |
$1,658,612 25.3% |
$233.80 |
4,958 |
44.4% 5,658/12,752 |
$1.39M |
| DISCOVER |
1,291 4.9% |
$336,672 5.1% |
$260.78 |
873 |
41.6% 918/2,209 |
$241k |
| AMERICAN_EXPRESS |
783 3.0% |
$374,377 5.7% |
$478.13 |
585 |
26.8% 286/1,069 |
$160k |
| OTHER_BRAND |
0 0.0% |
$0 0.0% |
- |
0 |
100.0% 2/2 |
$75 |
| TOTAL |
26,226 |
$6,559,205 |
$250.10 |
17,984 |
45.4% |
$5.71M |
Brand x card type - payments taken
Each row sums to 100% across the three type columns, so you can see which brands arrive as debit. AMERICAN_EXPRESS and DISCOVER are effectively credit-only networks here; VISA and MASTERCARD carry both.
| Brand | DEBIT | CREDIT | UNKNOWN | Total |
|---|
| VISA | 12,770 74.9% | 4,288 25.1% | 0 0.0% | 17,058 |
| MASTERCARD | 4,425 62.4% | 2,669 37.6% | 0 0.0% | 7,094 |
| DISCOVER | 689 53.4% | 602 46.6% | 0 0.0% | 1,291 |
| AMERICAN_EXPRESS | 2 0.3% | 781 99.7% | 0 0.0% | 783 |
| OTHER_BRAND | 0 - | 0 - | 0 - | 0 |
Prepaid vs funded cards
Square reports prepaid_type straight off the BIN. A prepaid card cannot go overdrawn and cannot be topped up by us, so a recurring plan sitting on one is a different collections risk from one on a funded account.
| Prepaid type | Payments taken | Value taken |
Avg payment | Customers |
Decline rate | Value declined |
| NOT_PREPAID |
24,685 94.1% |
$6,367,263 97.1% |
$257.94 |
16,817 |
43.1% 18,668/43,353 |
$5.17M |
| PREPAID |
1,537 5.9% |
$190,400 2.9% |
$123.88 |
1,289 |
67.2% 3,142/4,679 |
$544k |
| UNKNOWN |
4 0.0% |
$1,542 0.0% |
$385.50 |
2 |
42.9% 3/7 |
$100 |
| TOTAL |
26,226 |
$6,559,205 |
$250.10 |
17,984 |
45.4% |
$5.71M |
Prepaid x card type - payments taken
| Prepaid type | DEBIT | CREDIT | UNKNOWN | Total |
|---|
| NOT_PREPAID | 16,372 66.3% | 8,313 33.7% | 0 0.0% | 24,685 |
| PREPAID | 1,513 98.4% | 24 1.6% | 0 0.0% | 1,537 |
| UNKNOWN | 1 25.0% | 3 75.0% | 0 0.0% | 4 |
Prepaid concentration by city - payments taken
| City | PREPAID | NOT_PREPAID | UNKNOWN | Total |
|---|
| Florida | 324 5.5% | 5,600 94.5% | 0 0.0% | 5,924 |
| Texas | 416 6.1% | 6,415 93.9% | 0 0.0% | 6,831 |
| New York | 239 5.7% | 3,922 94.3% | 0 0.0% | 4,161 |
| Chicago | 198 5.8% | 3,197 94.2% | 0 0.0% | 3,395 |
| Boston | 123 4.2% | 2,822 95.7% | 4 0.1% | 2,949 |
| Nashville | 237 8.0% | 2,729 92.0% | 0 0.0% | 2,966 |
Decline rate by card type
The commercially useful cut. Rate = FAILED divided by (FAILED + COMPLETED). The pair beside each rate is failures / attempts, so you can see whether a bad-looking rate stands on real volume.
| Card type | Attempts | Completed | Failed | Decline rate | Value declined |
|---|
| DEBIT | 35,655 | 17,886 50.2% | 17,769 49.8% | 49.8% 17,769/35,655 | $4,169,999 |
| CREDIT | 12,382 | 8,340 67.4% | 4,042 32.6% | 32.6% 4,042/12,382 | $1,541,716 |
| UNKNOWN | 2 | 0 0.0% | 2 100.0% | 100.0% 2/2 | $75 |
| TOTAL | 48,039 | 26,226 | 21,813 | 45.4% | $5,711,790 |
Decline rate - brand x card type
| Brand | DEBIT | CREDIT | UNKNOWN | All cards |
|---|
| VISA | 50.1% 12,796/25,566 | 33.4% 2,153/6,441 | - 0/0 | 46.7% 14,949/32,007 |
| MASTERCARD | 49.1% 4,263/8,688 | 34.3% 1,395/4,064 | - 0/0 | 44.4% 5,658/12,752 |
| DISCOVER | 50.8% 710/1,399 | 25.7% 208/810 | - 0/0 | 41.6% 918/2,209 |
| AMERICAN_EXPRESS | 0.0% 0/2 | 26.8% 286/1,067 | - 0/0 | 26.8% 286/1,069 |
| OTHER_BRAND | - 0/0 | - 0/0 | 100.0% 2/2 | 100.0% 2/2 |
Decline rate - entry method x card type
An ON_FILE recurring charge and a KEYED point-of-sale charge are different businesses. Reading one blended decline rate across both is how a collections problem hides inside a healthy studio number.
| Entry method | DEBIT | CREDIT | UNKNOWN | All cards |
|---|
| KEYED | 15.7% 1,586/10,083 | 16.1% 672/4,177 | 100.0% 2/2 | 15.8% 2,260/14,262 |
| ON_FILE | 67.3% 15,619/23,201 | 45.2% 2,952/6,537 | - 0/0 | 62.4% 18,571/29,738 |
| CONTACTLESS | 23.3% 400/1,715 | 26.3% 332/1,260 | - 0/0 | 24.6% 732/2,975 |
| EMV | 24.9% 161/647 | 20.7% 84/406 | - 0/0 | 23.3% 245/1,053 |
| SWIPED | 33.3% 3/9 | 100.0% 2/2 | - 0/0 | 45.5% 5/11 |
Decline rate - city x card type
| City | DEBIT | CREDIT | UNKNOWN | All cards |
|---|
| Florida | 42.0% 2,823/6,720 | 28.9% 823/2,850 | 100.0% 2/2 | 38.1% 3,648/9,572 |
| Texas | 52.3% 5,343/10,221 | 36.8% 1,138/3,091 | - 0/0 | 48.7% 6,481/13,312 |
| New York | 57.3% 3,675/6,418 | 36.6% 819/2,237 | - 0/0 | 51.9% 4,494/8,655 |
| Chicago | 46.4% 1,950/4,207 | 29.1% 466/1,604 | - 0/0 | 41.6% 2,416/5,811 |
| Boston | 47.2% 1,764/3,738 | 28.7% 393/1,368 | - 0/0 | 42.2% 2,157/5,106 |
| Nashville | 50.9% 2,214/4,351 | 32.7% 403/1,232 | - 0/0 | 46.9% 2,617/5,583 |
Decline rate - month x card type
| Month | DEBIT | CREDIT | UNKNOWN | All cards |
|---|
| 2026-06 | 48.9% 5,821/11,908 | 31.9% 1,311/4,111 | - 0/0 | 44.5% 7,132/16,019 |
| 2026-07 | 49.5% 5,879/11,888 | 32.1% 1,331/4,149 | 100.0% 2/2 | 45.0% 7,212/16,039 |
| 2026-08 | 51.2% 6,069/11,859 | 34.0% 1,400/4,122 | - 0/0 | 46.7% 7,469/15,981 |
By entry method
ON_FILE is a stored-card charge - the recurring collections book. KEYED is typed in, almost always a studio deposit or sale. CONTACTLESS / EMV / SWIPED are card-present.
| Entry method | Payments taken | Value taken |
Avg payment | Customers |
Decline rate | Value declined |
| KEYED |
12,002 45.8% |
$1,590,573 24.2% |
$132.53 |
11,130 |
15.8% 2,260/14,262 |
$650k |
| ON_FILE |
11,167 42.6% |
$2,187,237 33.3% |
$195.87 |
5,717 |
62.4% 18,571/29,738 |
$3.73M |
| CONTACTLESS |
2,243 8.6% |
$2,037,406 31.1% |
$908.34 |
2,110 |
24.6% 732/2,975 |
$953k |
| EMV |
808 3.1% |
$742,589 11.3% |
$919.05 |
782 |
23.3% 245/1,053 |
$383k |
| SWIPED |
6 0.0% |
$1,400 0.0% |
$233.33 |
6 |
45.5% 5/11 |
$1k |
| TOTAL |
26,226 |
$6,559,205 |
$250.10 |
17,984 |
45.4% |
$5.71M |
Entry method x card type - payments taken
| Entry method | DEBIT | CREDIT | UNKNOWN | Total |
|---|
| KEYED | 8,497 70.8% | 3,505 29.2% | 0 0.0% | 12,002 |
| ON_FILE | 7,582 67.9% | 3,585 32.1% | 0 0.0% | 11,167 |
| CONTACTLESS | 1,315 58.6% | 928 41.4% | 0 0.0% | 2,243 |
| EMV | 486 60.1% | 322 39.9% | 0 0.0% | 808 |
| SWIPED | 6 100.0% | 0 0.0% | 0 0.0% | 6 |
By city
| City | Payments taken | Value taken |
Avg payment | Customers |
Decline rate | Value declined |
| Florida |
5,924 22.6% |
$1,762,606 26.9% |
$297.54 |
4,328 |
38.1% 3,648/9,572 |
$1.18M |
| Texas |
6,831 26.0% |
$1,669,002 25.4% |
$244.33 |
4,551 |
48.7% 6,481/13,312 |
$1.61M |
| New York |
4,161 15.9% |
$961,878 14.7% |
$231.17 |
2,783 |
51.9% 4,494/8,655 |
$1.13M |
| Chicago |
3,395 12.9% |
$829,164 12.6% |
$244.23 |
2,365 |
41.6% 2,416/5,811 |
$705k |
| Boston |
2,949 11.2% |
$671,030 10.2% |
$227.54 |
2,011 |
42.2% 2,157/5,106 |
$488k |
| Nashville |
2,966 11.3% |
$665,525 10.1% |
$224.38 |
1,946 |
46.9% 2,617/5,583 |
$604k |
| TOTAL |
26,226 |
$6,559,205 |
$250.10 |
17,984 |
45.4% |
$5.71M |
City x card type - payments taken
| City | DEBIT | CREDIT | UNKNOWN | Total |
|---|
| Florida | 3,897 65.8% | 2,027 34.2% | 0 0.0% | 5,924 |
| Texas | 4,878 71.4% | 1,953 28.6% | 0 0.0% | 6,831 |
| New York | 2,743 65.9% | 1,418 34.1% | 0 0.0% | 4,161 |
| Chicago | 2,257 66.5% | 1,138 33.5% | 0 0.0% | 3,395 |
| Boston | 1,974 66.9% | 975 33.1% | 0 0.0% | 2,949 |
| Nashville | 2,137 72.0% | 829 28.0% | 0 0.0% | 2,966 |