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It's a big but difficult market. Beyond mom-and-pop shops it becomes more and more like enterprise software with expensive sales and support costs.. only without the enterprise margins.

I wouldn't say Apple Pay is a threat to Square Register. If anything it might even drive POS upgrades which Square could benefit from. Having said that, Square does need to diversify beyond POS systems and payment processing, and Apple Pay puts another nail in the coffin of Square's foray into payment instruments (Square Wallet), which they already pre-emptively killed.

Unfortunately Square Cash operates at a loss. If it were possible not to operate at a loss there'd be a million competitors overnight.




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