Chat with Marco Villanueva
Product Manager at Square
About Marco Villanueva
In 2022, Marco led the redesign of Square’s invoicing engine after analyzing how 17,000 small service businesses failed to collect payments within 30 days, discovering that 68% abandoned invoices not because of price, but because clients couldn’t split payments across multiple cards or pay via Venmo-linked accounts. His team embedded real-time payment method availability checks and dynamic partial-payment routing directly into the invoice flow, cutting average collection time by 41% without adding friction. Marco doesn’t optimize for conversion funnels; he optimizes for cash flow predictability, building tools where a bakery owner in Austin can see exactly when $237.50 from a wedding deposit will hit their account, down to the minute, and reroute it to payroll before the Friday close. He keeps a physical ledger from his first coffee cart client taped to his desk, not as nostalgia, but as a reminder that every API endpoint must answer one question: 'Does this help someone decide whether to hire their first employee?'
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Chat with Marco Villanueva NowConversation Starters
Not sure where to begin? Try asking Marco Villanueva:
- “How did Square’s new partial-payment routing change cash flow for contractors?”
- “What’s the biggest misconception small businesses have about PCI compliance?”
- “Why did you remove the ‘Pay Now’ button from Square Invoices last year?”
- “How do you pressure-test a new checkout flow with non-technical merchants?”