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Editors' note, August 26, 2014: This review has been updated to reflect changes in the latest version of the app.
Square Cash is a service by the mobile payment processing company Square that allows anyone with a debit card and an e-mail account to send or receive money. To accompany the launch of the service and help teach Square Cash users how to properly format the e-mail, and thus use the service, Square released Square Cash for both iOS and Android. Both apps are designed the same way; for this review I'll be using the Android app for reference.
In a recent update in August 2014, Square Cash now lets you send money to friends and family with a text message. The app has access to your phone's address book to pull in your contacts, but you can also text any number you'd like. Just enter the amount and pick the recipient, and the app sends the money in about two taps. The person you're paying doesn't even need to have the app installed to get the money -- they can do it from their phone's browser.
Accessing your Square Cash account
Even though you don't have to create a password or enter any personal information (beyond your debit card information) when sending or receiving money through Square Cash for the first time, Square does create an account that you can manage.
Additional features of your Square Cash account include the option to set a password, change the debit card linked to your account, or enable text alerts for an added layer of security. With a recent update to the Square Cash app on both supported platforms, you can now manage some of this from directly within the app; more about this later.
I had to do some searching on the Square Cash Web site to find the settings page. By visiting Square.com/cash/settings you can edit the settings for your account. The first time you visit the settings page you'll be asked for your e-mail address, which will then send you an e-mail asking you to create an account password. Once your account password is created you can then edit your account.