&gt;until you become part of the oligopoly of Visa, AMEX, Mastercard, Discover<p>I thought their competitors were First Data, Vantiv, Total Systems Services, Global Payments, and Heartland Payments Systems, etc. Does Square issue cards&#x2F; credit? It&#x27;s not clear everybody in this discussion has the same facts.<p>Edit: Replaced pronoun with proper.