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Some bankers claim the system benefits debit card users, allowing them to keep spending when they are out of money. But interest rate calculations tell a different story.

一些银行家辩称该系统有益于借记卡用户，令到他们缺钱时仍能保持消费，但是利率计算告诉我们完全不同的故事。

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However, the online system is not mobile friendly and credit and debit card payments are subject to a 2.5% convenience fee.

然而，网上支付系统缺乏便捷性，而借记卡和信用卡支付则要收取2.5%的服务费。

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The bottom line is that the current debit card system in this country is a broken market.

FORBES: How Will Banks Fill Regulation Revenue Holes? By Charging Us.

The company has introduced its own debit-card system in some stores and is investigating wireless systems where radio tags placed on products are automatically read when a customer is ready to leave a store.

CNN: House panel explores electronic billing

The key difference is that Square will allow the customers to pay with credit and debit cards on their phone, while Starbucks's current system only allows consumers to use their Starbucks debit card to pay.

WSJ: Starbucks to Use Square Inc.'s Mobile-Payments Technology