Excellent answer, here’s our official page with an FAQ that also answers your questions. You have to scroll a bit to get to the FAQ.

https://squareup.com/us/en/bitcoin

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i read all of that last week and didn't know if merchants had to specifically opt-in. it sounds like they do and i understand why. i will be completely surprised if merchants do this, unless they themselves are bitcoiners. i hope im wrong.