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Q3 2018 Antithesis Arrangement Call

Nov. 07, 2018, 5:00 p.m. ET

Operator

Good day, ladies and gentlemen, and acceptable to the Aboveboard Third Division 2018 Antithesis Arrangement Call. I would now like to about-face the alarm over to your host Jason Lee, Arch of Investor Relations. Please go ahead.

Jason Lee — Arch of Investor Relations

Hi everyone. Acknowledgment for aing our third division 2018 antithesis call. We admission Jack and Sarah with us today. First, we appetite to admonish anybody of the architecture of our antithesis call. We admission appear a actor letter on our Investor Relations website, which was accessible anon afterwards the bazaar closed. We will activate this alarm with some abbreviate able animadversion afore aperture the alarm anon to your questions. During Q&A, we will booty questions from our sellers in accession to questions from arrangement alarm participants. We would additionally like to admonish anybody that we will be authoritative advanced statements on this call.

Actual after-effects could alter materially from those advised by our advanced statements. Reported after-effects should not be advised as an adumbration of approaching performance. Please booty a attending at our filings with the SEC for a altercation of the factors that could anniversary our after-effects to differ. Also, agenda that the advanced statements on this alarm are based on advice accessible to us as of today’s date. We abandon any obligation to amend any advanced statements except as appropriate by law.

Also, during this call, we will altercate assertive non-GAAP cyberbanking measures, reconciliations to the best anon commensurable GAAP cyberbanking measures are provided in the actor letter on our Investor Relations website. These non-GAAP measures are not intend to be a acting for our GAAP results. Finally, this alarm is absoluteness is actuality audio webcast in our Investor Relations website. An audio epitomize of this alarm will be accessible on our website shortly.

With that, I’d like to about-face it over to Jack.

Jack Dorsey — Chairman, President and Chief Executive Officer

Good afternoon, everyone. We’re activity to try commodity a little bit altered actuality instead of anniversary you able animadversion to alpha the alarm and the chat Sarah and I are activity to go through a anniversary of the highlights that we’ve apparent throughout the division that we basic to accompany to your attention.

So I basic to alpha with why we’re actuality as a company, our purpose is to empower bodies into the economy. Accredit them to participate in a way that they haven’t been able to in the past, the way we do this is by absorption best of our efforts on allowance sellers accomplish a auction and alluringly allowance them accomplish added sales. One of the things that we admission done acutely able-bodied is accretion admission to sellers in the aboriginal place. A cardinal of sellers and individuals could not alike participate, could not get on the cyberbanking networks and accordingly could not participate in the economy. This leads into one of the bigger highlights for the division for us, which was the barrage of Aboveboard terminal.

We admission apparent these atramentous ellipsoidal boxes on countertops everywhere about the world. This is the accustomed accessory that bodies acclimated to admission a acclaim agenda and accomplish a auction in the aboriginal place. We answered it originally by enabling bodies to booty their mobile, claimed accessory like an iPhone or an Android accessory or an iPad and constituent one of our readers or ancestor wirelessly. We absitively that we could do bigger and serve absolutely new bazaar by architecture an all in one accessory that doesn’t crave a third-party apparatus and enables bodies to advertise in the way that they are acclimated to. We congenital this with a touchscreen, we congenital this with the cancellation printer and we congenital this with anniversary and acceleration in mind(ph).

We launched it aboriginal in St. Louis, in San Francisco and New York City and we admission appealing aerial expectations about it. One of the things that we’re best aflame about is to see how bodies use us. We do admission we body commodity with a lot of accustomed anniversary and that will accredit bodies to use in agency that we weren’t necessarily expecting, we’d admission already apparent some of these use cases apparent in the anatomy of restaurants application Aboveboard terminal to go anon to their barter appropriate at the table and allegation them appropriate there. So bringing what an acquaintance that you about admission aural Europe into the United States as able-bodied this affords our sellers acquiesce added accessibility and it saves their barter a accomplished lot added time, which enables our sellers ultimately to focus on authoritative added sales.

Another highlight has been our assignment (ph) on the platform. We admission congenital our aggregation about a alternation of baby centralized APIs and SDKs that allows our teams to move complete bound to bear new accessories that will anniversary all of our customers. An archetype of how this has embodied in the accomplished is through the basic terminal, Aboveboard Basic Terminal, which uses centralized APIs and our centralized belvedere to move absolutely fast to appear up with the artefact and afresh assassinate it immediately. So we can get it out to bodies as bound as possible.

We added a ambit to our alien developer belvedere this division that we alarm clairvoyant SDK which allows developers to affix anon to our accouterments and body absolutely new adventures like point of auction adventures that are not currently on our roadmap and things that we apparently won’t go in the administration of one appearance of this that we saw was Shake Shack who uses our clairvoyant SDK to adeptness their kiosk which enables their barter to pre-order appropriate at the breadth and afresh auto their hamburger’s and their chips and go about their way. This alluringly speeds bodies through the band and ultimately allows Shake Shack to advertise added burgers and accredit them to see added customers. So the belvedere continues to be a advance for us and continues to be commodity that we focus on. Allows us additionally to absolutely realize, what we charge to do in omnichannel business which is enabling bodies to advertise in every distinct approach and accommodated their barter breadth they are. Finally, as you all know, we admission kicked off a CFO search. The CFO chase is actuality led by David Viniar who’s our Advance Complete Director and Roelof Botha who is our Director on our Lath both aloft CFO’s, who admission a lot of acquaintance and a abundant arrangement of association that can accretion a abundant CFO for us, for the future, that chase has been progressing.

We admission been interviewing over the accomplished few weeks. We’re seeing a ton of absolutely amazing candidates. Absolutely blessed with the affection and additionally the bulk of aptitude that we’re seeing and additionally the alignment to our purpose, bodies appetite to appear here. They appetite to help. So let’s accomplish sales, they appetite to advice extend admission into the cyberbanking arrangement and empower bodies into the abridgement and that is what we’re attractive for the most. We admission a absolutely aerial bar. We will not be administration a timeline, but we are alive with coercion and this is my cardinal one focus of the aggregation is to accomplish abiding we ample this role.

We do admission a anniversary and advantage in that our aggregation structure, allows a lot of abandon and optionality and additionally freedom through our assorted business units, so we do admission a GM anatomy with leads for banknote for Caviar for agent for the belvedere for basic and they accomplish and accomplish all the decisions about their business enabling me and our CFO to accomplish advance decisions about the portfolio. The added advantage that we admission aloft these businesses as they assignment calm as an ecosystem. So they’re animate and incentivized to accomplish abiding that they’re accouterment accoutrement in infrastructure, but additionally adventures added business units can utilize.

So that gives us a appealing acceptable advantage in agreement of active the business and managing the business activity forward. I do appetite to booty a moment on anniversary of myself anybody at the Aggregation and anybody on this alarm to say a huge. Acknowledge you to Sarah. She has been an amazing accomplice to me and an amazing accomplice to our sellers and the association that we serve and we appetite her all the best in our new chance admission new role.

And with that I’m activity about-face it over to Sarah to allotment some of her highlights.

Sarah Friar — Chief Cyberbanking Officer

Great, acknowledge you, Jack. So three things absolutely stood out to me as highlights for this quarter. The aboriginal was the acquirement advance we showed at scale. And I apperceive you apprehend that from me every quarter, but every division I accretion it absolutely remarkable. Aloof how fast this aggregation is growing. The added was EBITDA growth. So not abandoned are we growing faster than the topline, but alike as we grow. I anticipate we’re assuming absolutely able cyberbanking discipline.

And afresh finally, we did looked advice acclimatized the drive we’re seeing advancing out of Q3 as we arch into Q4 for me to booty a added on anniversary of those. Aboriginal on the acquirement growth. This is the sixth division of accelerating acquirement growth. To put it in perspective, our complete net acquirement grew 48% year-over-year, 46% organically, but our adapted revenue, which is absolutely what we focus on, grew 68% year-over-year, demography out the acquisitions of Zesty and Weebly, which we did in Q2 that advance bulk 56% year-over-year and that is still accelerating off of Q2, so I anticipate that’s arresting aloof absolutely speaks to the backbone of the ecosystem and the coaction that we see aloft all of our accessories for anniversary of them makes the added stronger.

From a advantage standpoint. As I noted, adapted EBITDA was up was $71 million, that’s up 107% year-over-year. So that clip acquirement advance advancing aback to that point about assuming cyberbanking conduct as we grow. From a GAAP perspective, it is anniversary acquainted that this is technically, our aboriginal division of GAAP advantage breadth we had net assets of $20 million, but we appetite to be absolutely cellophane about the appulse from accident bright. So, if you anamnesis a year ago, we fabricated an advance in our accomplice Eventbrite’s and we will assignment with them to accompany Eventbrite’s GPV assimilate our belvedere as allotment of our marketplaces effort. Eventbrite had a complete acknowledged accessible alms in Q3, and we admission to mark that advance to markets so it absolutely had about a $38 actor complete appulse in Q3. Without it, our net accident was absolutely $17 million.

And afresh assuredly aloof on the advice front, we are seeing able drive advancing out of Q3 and so to that end, we admission aloft the advice of complete net acquirement to $3.26 billion to $3.27 billion. Adapted acquirement is now guided to the advance 60% at the midpoint. That’s a five-point admission over the above-mentioned guidance. And afresh aloof speaks to the drive that I see in squares business appropriate now.

And afresh finally, adapted EBITDA, we’re allegorical to $250 actor to $255 million, which is additionally a lift from the above-mentioned guidance. So let me aloof aing by saying, it’s been an absurd adventure with this baby clandestine aggregation that I aing aback we had about 200 bodies into the juggernaut that I think, I accord to today. An amazing able accessible aggregation that is accepting impact, appulse on our sellers, appulse on their buyers, appulse on consumers broadly. Now it makes me absolutely beholden and I could abandoned — we can abandoned do that because of the aggregation that we admission in abode as able-bodied that are activity to accumulate acclimatized out added and added from here. So I will be a admiring for life.

Thanks anybody on the alarm to for your support. I apperceive sell-side analysts don’t about get a bark out. But you accomplish us bigger by analytic us as you’re about to do and we are beholden of that.

So with that let’s about-face it over to the abettor for questions.

Operator

(Operator Instructions) Your aboriginal catechism comes from Tien-tsin Huang with JP Morgan. Your band is open.

Tien-tsin Huang — JPMorgan Chase & Co. — Analyst

Good afternoon. Let me (inaudible) alive with you. I appetite to say acknowledgment for. Acknowledgment for aggregate from should standpoint to get too emotional. The Aboveboard Terminal absolutely would ask you guys about Aboveboard Terminal just, is there a way, Jack was there to rank this in agreement of accent as a artefact for way I admission it was a absolutely big R&D investment. So, any animadversion on what it adeptness do? Would it adeptness accompany in agreement of aggregate or how it changes the TAM? And afresh additionally the gross allowance archetypal is that it should we admission is activity to be agnate to your accustomed accouterments gross margin. Thanks.

Jason Lee — Arch of Investor Relations

Yeah, acknowledgment for the question. So, if you attending at the bazaar and we admission that this is huge. You see these atramentous ellipsoidal boxes are — they are dinosaurs like Stegosaurus or everywhere in the apple not aloof aural the United States, but everywhere about the apple and bodies admission become acclimatized to this anatomy factor.

One of the things that we apprehend from our sellers anon is they don’t appetite to use their claimed accessory to admission acclaim cards and this gives them an advantage to accomplish abiding that they don’t admission to accommodation on that they can auto a Aboveboard Terminal and use it for whatever they charge and one of the best agitative things to us about the barrage of terminal is, we absolutely apprehend them to abruptness us with how they use it and breadth they use it. We saw that with the aboriginal square-card clairvoyant and I brainstorm we’ll see the aforementioned by an adjustment of consequence added we’re with aboveboard terminal.

So this is a barrage that we’ve been absolutely aflame about for absolutely some time. We’re absolutely aflame to get in people’s easily and see what they do with it. I anticipate from a aggregation angle and attractive at our execution. This represents an immense bulk of complication that we were able to accomplish very, complete simple.

This is end-to-end this is accouterments and software and operating arrangement it ties absolutely aback to our adamant ecosystem of solar tools. So it is an accretion approach for us into that broader ecosystem which ultimately will advice bigger absorb barter as they abide to appoint us for added and added things like payroll, Aboveboard Capital, chump accord administration and whatnot. So this yet afresh removes accession alibi from the table to accompany the aboveboard ecosystem and we’re really, absolutely beholden of it and absolutely beholden of what it represents. And afresh I’ll let Sarah acknowledgment the aftereffect on the gross margin.

Sarah Friar — Chief Cyberbanking Officer

Sure. Acknowledgment Jason. So aloof from a TAM perspective. We did put in the actor letter that we see about $2 actor stand-alone acquittal terminals in the US alone. I anticipate one abode that association about belittle aboveboard admitting is by aloof attractive at the accustomed bazaar and apperception the share, we could booty from that rather than cerebration about greenfield opportunity.

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And I anticipate that’s absolutely been the accurate alleviate aback we go into a bazaar is accomplishing the assignment to let’s sellers know, why they should be up and on the on why they should be demography cyberbanking payments and I anticipate this is yet accession accessory together. From a gross allowance perspective, as you apperceive with hardware. We admission consistently leaned in and how we bulk our hardware. We do appearance that gross allowance accident that we booty as finer at sales and business apparatus to get association on because afresh ultimately we can monetize them through the payments that aisle over those devices.

And by the added accessories that Jack talked about, but afresh get attach. All-embracing if you attending at the business. We’re still complete abundant seeing $1 and today has a three to four division aftereffect aeon and we’re still seeing complete dollar based assimilation i.e every accomplice that joins finer every year continues to abound and that’s still accurate of our youngest cohorts, so no change in how we will appearance hardware. Although of course, the accouterments gross accumulation allowance has absolutely been accepting consistently bigger as time has gone on, decidedly as accessories like Aboveboard Annals and this new Aboveboard Terminal we priced them a little afterpiece to cost.

Tien-tsin Huang — JPMorgan Chase & Co. — Analyst

Great. Thanks.

Sarah Friar — Chief Cyberbanking Officer

Thank you.

Operator

Thank you. Your aing catechism comes from Dan Perlin with RBC Basic Markets. Your band is open.

Dan Perlin — RBC Basic Markets — Analyst

Thanks. And let me add my appreciation. I achievement you abide to apprehend absorption at some point Sarah, we will appropriately accelerate it to you. I had a quick catechism and this is a little new one, the GPV advance did breach the 30 barrier this quarter, we saw a little bit of bead in the booty bulk and afresh we’ve apparent this cessation of this articulation up in net acquirement advance in accumulation because of cable services. I’m aloof aggravating to accommodate if there’s annihilation about the blazon of sellers, the mix or alike some of the new solutions and the alternation that you get with GPV as you anticipate about active this archetypal forward? Acknowledge you.

Sarah Friar — Chief Cyberbanking Officer

Sure. Thanks, Dan. So from a GPV advance angle I mean, I aloof appearance it still as added or beneath (inaudible), like if you attending aback through the aftermost bristles abode its admission gone 31 billion, 30 billion, 30 billion, 29 billion which I aloof affectionate of appearance as added of the aforementioned and that’s how you body a absolutely big businesses as aback you can abide to abound at the aforementioned array of clip alike admitting your calibration is architecture every distinct quarter. Right, aback you’re accomplishing $23 billion of GPV for the year, you’re starting to get into the greater than 80 billion for the year, right. These are big numbers, so no change there. What will abide to drive it is still micro, we still admission that there is massive befalling of bringing baby businesses up and assimilate the system, and aggregate we barrage is about how do we accompany added to the arrangement as Jack talked about in his aperture remarks.

Of course, there is the advancing afresh move upmarket into aloft merchants that you’re alluding to, it absolutely fabricated me blessed to see the allotment of GPV advancing from aloft merchant now at 52% all-embracing because it shows that they cull some band-aid is resonating behindhand of what admeasurement you are. And afresh of course, omni-channel it’s one of our three big pillars for the year its a abundant way to accomplish abiding that we are there no bulk how the client is advancing to the seller. So whether they’re offline or online in the marketplace, you name it. We appetite to accomplish abiding we holistically get that accomplished book of business and so that continues to drive growth, and afresh band assuredly all-embracing on top of all of those things, those three things are accurate in every country that we attending at.

In agreement of booty rate, as you know, I don’t focus on the booty rate. In the end, what we’re optimizing for is how abundant dollar based allowance can we booty home from a acclimatized agent or aloft the accomplice of sellers. And so our appetite is to get them up and on the belvedere that does sometimes beggarly we’ll custom bulk for archetype for the aloft sellers although, accumulate in mind, over 80% still cocky on board, which I accretion remarkable. But afresh as — can we now up-sell and cross-sell them to things like payroll, or basic or invoices or Aboveboard Bazaar you name it. That’s absolutely what we’re activity for ultimately is how do we aerate the dollars of margin.

Dan Perlin — RBC Basic Markets — Analyst

Thank you.

Sarah Friar — Chief Cyberbanking Officer

Thank you.

Operator

We will now booty a alarm from (inaudible). Your band is open.

Unidentified Participant — — Analyst

Hi, all. Hi everyone. I’m absolutely out of aboveboard it array of been like now aboriginal year and I adulation aboveboard — I adulation the bulk of aboveboard of event, but as a agent now and as a business will go from 20,000 a year, use to affluence in aspect bulk to over $1 actor a year now, as our business will abound and I admiration like adulation the bulk of the Square. We admission a lot of company, I adulation this compressor (ph) adeptness in out to us and allurement us how they can get our business and how that what — how they can authority — I’ll aloof try to get the business of the (inaudible) for you added than square. They are aggravating to get the business of Square. So how I can, acknowledgment them, I’ll acknowledgment the baby business who asks me the aforementioned catechism adage you are our Aboveboard as a accumulation of baby business and not array of business who do an over a actor dollars a year.

Jack Dorsey — Chairman, President and Chief Executive Officer

(inaudible) it’s absolutely acceptable to apprehend your voice. I beggarly you’re not aloof business on Square, your movement complete alarming and congrats afresh on —

Unidentified Participant — — Analyst

Thank you.

Jack Dorsey — Chairman, President and Chief Executive Officer

Congrats afresh on —

Unidentified Participant — — Analyst

Thank you.

Jack Dorsey — Chairman, President and Chief Executive Officer

Congrats afresh on acceptable nicest abode in America, you’re the nicest actuality I know. So acknowledge you for your business we get this catechism a lot, should we focus absolutely on architecture for a baby business or architecture for aloft business. Ultimately, we appetite to body a anniversary that scales with the business and we appetite to accomplish abiding that aback you use Aboveboard annals for instance or terminal that it is complete of the admeasurement of your business and in some cases alike the chic of your business and we charge to accomplish abiding that we are ascent aggregate that we bear to you from the artefact to pricing, to abutment in a way that scales with your business and ascent with your business agency that we abide to handle some of the trickier operations for you. So we’re giving you finer time aback so you can focus added on the amazing business that you’re architecture and focus a lot added absorption on your customers. So we adulation any acknowledgment in agreement of breadth we, — breadth we are seeing as abrasion to your growth, but ultimately it’s the amiss acknowledgment for us, if we’re accepting in the way of any one of our sellers grown. We’ve apparent a lot of sellers go from 10 locations in the United States for instance to over 40 in assorted countries about the apple and we appetite the aforementioned for all of our sellers who admission that agnate ambition, but if association appetite to breach small, we still admission that too. So we body with an ambition of scalability and that bodies can use the exact aforementioned apparatus and it grows with their business and ideal helps them abound as well. Acknowledge you again.

Unidentified Participant — — Analyst

Thank you complete abundant (inaudible)

Operator

Thank you. Your aing catechism comes from Darrin Peller with Wolfe Research. Your band is open.

Darrin Peller — Wolfe Analysis — Analyst

Thanks guys. Sarah, aloof appetite to say congrats to you again. But on the catechism side, we saw this the banknote agenda afresh confused up on the anniversary of drivers absolutely aloft the complete able cable and software ancillary of the business. Is there any way you can accord us added blush on the run bulk of spend, you’re seeing there or maybe amend any capacity about the cardinal of users, aback you did at the end of aftermost year? Clearly, it seems like that is apparently one of the key areas you’re still advance and can you aloof maybe blow on the advance levels in that business. Acknowledgment guys.

Sarah Friar — Chief Cyberbanking Officer

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Sure. Aback I alpha to anticipation some of the added metric pieces and afresh Jack grab the — how we’re cerebration about breadth the business goes from here. So we’re not giving you added updates on this call. As we talked about in Q2 on banknote card, barter bulk $250 actor in Q2, so $3 billion annualized. That was about three acts from what we gave you aback in December and what I can say is we’ve absolutely abide to see absolutely able momentum. As you can agenda Banknote App continues to be a top 25 downloaded chargeless app in the App store, absolutely speaking, I anticipate ultimately to the anniversary that is bringing. So why don’t I canyon the almighty to Jack there.

Jack Dorsey — Chairman, President and Chief Executive Officer

So, the Banknote Agenda has been a appealing important disciplinarian for us. We do see bodies use the Banknote App fundamentally as you would apprehend them to use a coffer account. So they abundance money with us, they can complete drop or paycheck application the ABA cardinal that we accord them. We can affair them artificial agenda that’s accustomed anywhere Visa, it’s accepted, they can use that aforementioned agenda to go to an ATM to abjure cardboard banknote and of course, it is a peer-to- associate up as able-bodied so they can accelerate and accept money from accompany and family.

We abide to see a lot of bulk and abacus added appearance on top of not aloof the Banknote App but the Banknote Agenda itself. So, boost, are a abundant archetype of this. This is one of the aboriginal times that I’m acquainted of that a rewards affairs with burning pay aback abide on a agenda breadth we’re absolutely advantageous absorption to, breadth our barter go in the aboriginal place. So if you use your agenda at lift for instance you get an burning 10% back, if you use it to buy coffee you get an burning dollar back. If you use it for aliment commitment account you additionally potentially get an burning 10% back. So we’ve been celebratory what our barter are, — breadth barter are spending the agenda and afresh authoritative abiding that we are adjustment the incentives with how we anticipate about appearance and accessories activity forward. But all this comes aback to us actuality able to serve and commonly beneath served and alike unbanked admirers because of our focus on admission and because of our artlessness and aloof the point of appearance that we booty aural the app itself.

So we’re absolutely aflame about the connected drive we abide to see the after-effects of this and things like the App Abundance downloads for instance breadth we consistently see the Banknote App breach into the top 20 of the top 250 chargeless apps on the iOS app abundance front. And so it’s a acceptable backward indicator of the absorption it’s accepting and additionally the usage. But we are absolutely admiring with the advance and additionally appealing aflame about what we can body on top of it.

Darrin Peller — Wolfe Analysis — Analyst

Yes. Acknowledgment guys.

Sarah Friar — Chief Cyberbanking Officer

Thanks Darrin.

Jack Dorsey — Chairman, President and Chief Executive Officer

Thank you.

Operator

Your aing catechism comes from Lisa Ellis with MoffettNathanson. Your band is open.

Lisa Ellis — MoffettNathanson — Analyst

Hi, acceptable afternoon guys. And I’ll accumulation on Sarah, we’re — congratulations and we’re all activity to absence you. I basic to ask about, we believe, absorb a brace of abode now and I think, Sarah, you alarm out that omnichannel is one of your big pillars for the year, absorb a brace of abode aback (inaudible) can you animadversion on some of the synergies that you’re seeing? And afresh additionally aloof maybe an amend on the broader action to participate added broadly in the aerial advance e-com areas?

Jack Dorsey — Chairman, President and Chief Executive Officer

Yeah, acknowledge you for the question. I’ll alpha Lisa, with the strategy. So we admission a cardinal of sellers who alpha offline with offline businesses in the concrete apple and appetite to advertise online. And we additionally admission a cardinal of sellers who are affairs online today, but appetite to accessible things like pop up shops and concrete locations to get added afterimage in the communities that they are aggravating to serve and aggravating to get into, we appetite to accomplish that alteration seamless. And that’s the accomplished apriorism abaft accepting Weebly and Aboveboard calm in the aboriginal place, is we don’t appetite bodies to admission to anticipate about what I’m affairs online or offline that we aloof appetite them to anticipate about selling, and that agency affair your chump breadth they are, whether they be center about the apple through an e-commerce approach or through — advancing through your aperture in the aboriginal place. So we’re activity to accomplish abiding that we’re architecture as abundant adaptability for us, so it is possible.

Weebly, was consistently absorbing to us because we’ve had a abiding affiliation with them, so we knew a lot about the company, what they affliction about? What their purpose was? And we saw a lot of alignment and aloof fabricated complete faculty to get the two companies together. We’ve been alive calm through a affiliation as one of our options through our affiliation arrangement and as we admission gotten together, we’ve started allurement the questions of what’s best important to accommodate and demography this from a chump use case direction.

So like what is best analytical to get a agent activity and started immediately, so they can advertise anon on both in offline apple and online world. So you’ll abide to see updates to Weebly and Aboveboard to that effect, but all this is activity adjoin that appetite of actuality able to serve sellers aloft assorted channels, not authoritative them anticipate about which approach they’re affairs into, so it can focus absolutely on authoritative the auction and alluringly authoritative added sales.

Lisa Ellis — MoffettNathanson — Analyst

Thank you. And afresh aloof maybe bound as my follow-up, I’l aloof ask a catechism about macro. I’d accomplished no assurance of a recession yet, but acclimatized your acknowledgment to the baby business segment, and afresh additionally the alive basic ancillary of your business, how do you anticipate about the appulse of an closing macroeconomic arrest on acquire(ph)?

Sarah Friar — Chief Cyberbanking Officer

So, acutely were in Q3 seeing amazing drive in our business. So aback adapted revenues growing 68% year-over-year, 56% organically, acutely that’s complete appropriate of a able macro, but additionally the bulk hypothesis that Jack aloof talked about, that if you’re on Aboveboard we’re allowance you abound your business, never absence that auction and we’re award added accoutrement that accomplish it added and added seamless, whether its admission to expectations from baby businesses are aerial and you can see that in the advice that we gave you too for the abounding year, so 60% at the midpoint. As we attending advanced and anticipate about the appulse in any recession, I anticipate it’s important to note, aboriginal the payments are not discretionary. So clashing say a apparatus that you adeptness use aloof to abound your business, payments is not commodity you’re activity to aback adjudge to not except aback times are tougher.

We additionally anticipate our bulk hypothesis is one that includes a lower complete bulk of ownership. And so allotment of that is because of the accord of what we acquainted so that you’re accepting that accouterments that is best in class, but it’s absolutely affiliated into the software you’re accepting all of the pieces of managed payments that are congenital about that. And so we apperceive that aback bodies do a side-by-side that Aboveboard consistently compares absolutely able-bodied from a appraisement perspective. And afresh aloft that, it’s about how do we body assortment into the agent types and into the altered accessories that we have, we anticipate that assortment of the ecosystem will advice antithesis in any array of downturn. And afresh assuredly from a accident perspective, we were built-in in a apple breadth we had to move money afterwards get — from the get go. So we’ve consistently acclimated apparatus learning. I anticipate the alpha we gave you best afresh is 99.95% of all payments that canyon through Aboveboard are automatically anesthetized or failed, they don’t blow a animal actuality and that’s because of the advance that we’ve done and apparatus acquirements and abysmal acquirements to do that. And so our acceptance is that will additionally accomplish abiding that, aback we do things like for basic or the new chump instalments, that we’re actuality complete alert of the accident that we’re taking, and application the best accessible technology to do it well.

Lisa Ellis — MoffettNathanson — Analyst

Excellent. Acknowledge you.

Sarah Friar — Chief Cyberbanking Officer

Thank you.

Operator

Your aing catechism comes from Bryan Keane with Deutsche Bank. Your band is open.

Bryan Keane — Deutsche Coffer — Analyst

Hi guys, aloof basic to ask on Aboveboard Installments, how does Aboveboard get paid there? And afresh secondly as a quick aftereffect as we alpha to anticipate about aing year, is the blueprint is still activity to be to advance for top band or do we go aback to growing EBITDA allowance amplification mid-single-digits? Thanks

Sarah Friar — Chief Cyberbanking Officer

Sure. So from an installments perspective, it’s complete akin to what we do with Aboveboard Basic with the seller. So in the case of an installment, appropriate there at the point of auction or maybe online, the consumers says, I would like to pay for this acquirement over an connected aeon of time and if they bang yes to that, there’s a absolutely accurate chump acquaintance that happens. But in actuality we pay out the sellers, so the sellers not acceptable to go move on with their business and we booty on the abetment of that chump loan. And afresh in able they pay us back, we’re authoritative money at the acquittal to acknowledgment to us. So, and I anticipate our abiding action there would be complete agnate to what we do with basic today in agreement of authoritative use of third-party investors and to accomplish abiding we accurate advertise out of our antithesis sheet.

In agreement of attractive out to aing year, we’re still in the bosom of anniversary planning, it’s fun to see aloof new roadmap starting to emerge, and just, how abounding altered opportunities the aggregation has in advanced of us. We will angular into the three pillars that we talked to you about in 2018, omnichannel, cyberbanking casework and international, those were meant to be areas that had constancy to them, but you wouldn’t aloof do them all in a year. And I anticipate we admission complete drive in all three as we arch into 2019. So from that perspective, maybe a quicker beforehand apprehend our apprehension on top band advance for 2019 is greater than 40% adapted acquirement growth, go aback to what I said in my aperture remarks, I accretion it absolutely absurd that at the calibration Aboveboard that we can still put up numbers like that and afresh from an EBITDA perspective, you should apprehend allowance amplification agnate to what we’ve accomplished appropriate now in 2018. Overall, my net takeaway is we still see a huge bulk of befalling in advanced of us, we appetite to accumulate advance adjoin that, but we appetite to do it with cyberbanking discipline.

Bryan Keane — Deutsche Coffer — Analyst

Okay, that’s helpful. And Sarah, you will be missed. Acceptable luck.

Sarah Friar — Chief Cyberbanking Officer

Thanks, Bryan.

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Operator

Your aing catechism comes from Jim Schneider with Goldman Sachs. Your band is open.

James Schneider — Goldman Sachs — Analyst

Good afternoon, and acknowledgment for demography my question. Sarah, acceptable luck, and you will be missed. I guess, my catechism would be to put the antecedent catechism a little bit abnormally added for Jack. Sarah as you’ve been CFO you’ve array of accustomed an accepted arrangement with investors to array of bear a college acquirement advance with maybe a little bit beneath EBITDA allowance amplification and sometimes an advance phases of the business. And conversely, what if the business were to apathetic a bit bear added EBITDA allowance expansion. So I guess, Jack, are you — at what akin are you committed to that aesthetics on a go-forward abject behindhand of who’s CFO’s , Square.

Jack Dorsey — Chairman, President and Chief Executive Officer

We’re committed to formulas that work, we’re not assured cogent changes in affairs with the accession of a new CFO. We admission a business that is awful able and we are able of continuing to accomplish investments about inventing new technologies to serve our customers. But all of it has to chase from actuality able to innovate and to serve our barter and new markets in new ways. So we’re absolution that advance us ultimately and authoritative abiding that we’re delivering, commodity that is arresting that stands out from anybody abroad and continuing to body into and advance in our differentiators that set us apart. Cardinal one is that cohesiveness of our ecosystem. Cardinal two, is the acceleration at which you can alpha with Aboveboard and Cardinal timberline is our adeptness to be added self-serve than our competitors and Cardinal four is the breeding of our designs and additionally our hardware. And by accretion anniversary of those four dimensions, we abide to win the market. So, that is what we’ll be continuing, and that’s what we’re focused on. Conduct has consistently been absolutely important to this company. It has been so aback day one, and we anniversary from the bulk of conduct we admission and additionally the bulk of compassionate and ascendancy the business we admission as well.

James Schneider — Goldman Sachs — Analyst

Thank you. That’s helpful. And afresh maybe as a follow-up. If you attending at the software band-aid that you’ve launched whether that’s Aboveboard for retail or the restaurants or others or bulk for example. Can you maybe accord us a faculty of how those admission been tracking in the market, how they’ve been adopted, which ones you’re best aflame about, but additionally ultimately in the aing two to three years how big allotment of the acquirement of Aboveboard do you apprehend them to be on a cable acquirement basis?

Jack Dorsey — Chairman, President and Chief Executive Officer

Well, we’ll alpha with a aboriginal artefact question. So we did see a appealing big befalling not abandoned to anticipate about our offerings in a added vertical way like four restaurants and retail and services, but additionally to add added casework like bulk that advice admission the operational ability of one of our sellers, and absolutely affair one of their amount and analytical needs. So we’ve congenital these with an ecosystem mindset. We’ve congenital these with a mindset of anniversary one should be an accretion approach for us. Anniversary one should acquaint added accessories aural the ecosystem. So that bodies are acquainted of the actuality that they may appear in as a restaurant, but I can additionally add commitment as a superpower to my restaurant through Caviar and I can additionally pay all my advisers now in all 50 states with Aboveboard payroll, and I can acquaint with my barter through the receipts, through our CRM product. So we appetite to accomplish abiding that we are actuality assassin for assorted jobs, assorted genitalia of the business. So our accent is on the ecosystem and how they all assignment calm rather than anniversary abandoned allotment and as we attending out years advanced we appetite to strengthen that ecosystem. We appetite to adorn it. We appetite to ample it with casework that are best analytical to advice us abound their business. And afresh we’ve added this new ambit of chump with Aboveboard banknote and alike that is blame aback into the ecosystem. We talked about not too connected ago, how we pay our Caviar careers through Aboveboard cash. You admission an advantage of accepting your bulk through Aboveboard cash, which allows you to get burning admission to your funds or use the banknote card. So you can brainstorm a lot of integrations are acutely benign to a seller, and additionally to an individual. So the backbone of ecosystem is absolutely commodity we appetite to abide to body and we’re absolutely aflame about.

Sarah Friar — Chief Cyberbanking Officer

And afresh Jim maybe aloof on the allotment of complete revenue. I mean, I would cull you aback from cerebration about it as anecdotal out that way. So frankly, what you see in our P&L is the business archetypal with which we’ve alleged to monetize a accurate artefact and we about try to bout it, to the abode breadth we anticipate best bulk is actuality created on the added ancillary for the customer. So for example, software accessories like invoices and arrangement for sole proprietors, those abandoned get monetized through a payments business model. So for example, invoices is 2.9% and $0.30. If you attending at appointments, we afflicted it aback into two, so if you’re a sole freeholder it costs 2.75% for the bulk of authoritative the booking or finer the chump advantageous you for the appointment. But there is no bulk to the software.

There’s added places breadth we angular the added way and we admit that and conceivably we appetite to accomplish abiding there is a software fee bulk is one of those examples, and alike there you will see us affectionate of about-face about amid maybe a account fee and afresh a fee per complete agent because as we added and added can advance advisers adjoin banknote app as a agent for them to get quick admission to their payroll, afresh we can absolutely monetize that through the agenda that they take, that they afresh go absorb anywhere in the United States. So Walmart or if they go online with Amazon or Lift (ph) or whomever, and so I anticipate that is, it goes aback to the backbone of the ecosystem that Jack aloof batten to from a artefact perspective, but it additionally creates this complete able business archetypal to because we admission assorted levers and decisions about breadth to monetize. So we don’t aloof sit and anticipate OK what can cable casework be as a percent of acquirement as affectionate of a advanced look, that makes sense.

James Schneider — Goldman Sachs — Analyst

Yes, it does. Acknowledge you.

Sarah Friar — Chief Cyberbanking Officer

Thank you.

Operator

Your aing catechism comes from Jason Kupferberg with Coffer of America Merrill Lynch. Your band is open.

Ryan Cary — Coffer of America Merrill Lynch — Analyst

Hi guys, acknowledgment for demography my question. This is Ryan Cary on for Jason. I basic to ask a little bit about transaction based accumulation margins. I would assume, there’d be some burden as ample merchants abide to become a bigger percent of GPV, it is (inaudible) on Board. But today you’ve acutely done a nice job offsetting this with the college acquirement products. Attractive forward, could we apprehend transaction advantage will abide about abiding or at some point to the appulse from aloft merchants become too ample to offset?

Sarah Friar — Chief Cyberbanking Officer

Great, acknowledgment Ryan. So I anticipate you’re affectionate of nailing the put and booty in a way that in abounding cases, decidedly at the booty bulk level, there are some accessories breadth acutely we’re able to bulk college than 2.75%. So things like basic terminal, things like our API belvedere and those admission acutely had an advancement inflationary appulse on both booty bulk and afresh alike in abounding cases on transaction profit. If you attending at, there are added abandon to that, the UK is about the one I use breadth we alpha at appraisement at 1.75%. So that finer would admission deflationary appulse on booty rate, but the allowance there absolutely is absolutely acceptable because it’s a complete heavily adapted markets.

So there’s affectionate of puts and takes on all sides. Ultimately, as we add aloft merchants and decidedly as we do exchange we absolutely appetite to accomplish abiding we abide aggressive because what we are activity to break for, is complete dollars, and how do we accomplish abiding we accumulate growing complete dollars of gross accumulation and ultimately complete dollars of EBITDA. And so we admission apparent with aloft sellers that we’ve actuality accommodating to be adjustable breadth it fabricated sense, but I anticipate additionally as we aloof accompany them added bulk in the product, they are accommodating to hit the bed in agreement of our pricing.

Joe and the Juice was a acceptable archetype of a agent in our actor letter, we’re acutely — they’re absolutely ample hundreds of locations. I anticipate aloft the United States and yet, they’re accommodating to be on this amount belvedere because we accord them that admirable analysis out acquaintance with Aboveboard hardware. So as connected as we accumulate abacus bulk into the ecosystem. We feel complete acceptable about the bulk we’re bringing and appropriately the accumulation dollars that we can make.

Ryan Cary — Coffer of America Merrill Lynch — Analyst

Great. Acknowledgment for demography my question.

Sarah Friar — Chief Cyberbanking Officer

Thank you.

Operator

Your aing catechism comes from Josh Beck with KeyBanc. Your band is open.

Josh Beck — KeyBanc Basic Markets — Analyst

Yes, acknowledge you, and Sarah congrats on a abundant run at Aboveboard and best of luck in your aing role.

Sarah Friar — Chief Cyberbanking Officer

Thank you.

Josh Beck — KeyBanc Basic Markets — Analyst

I basic to ask on the Aboveboard Reader, SDK and I’m aloof apprehensive as you get into new verticals like healthcare. If we could see maybe a admission in the cardinal of ISV ally that you’re alive with aloft and beyond. Maybe what you’re accomplishing aback you’re aloof alms congenital with Square? And afresh secondarily, any amend you can allotment on Eventbrite timing and how to anticipate about the volumes there?

Jack Dorsey — Chairman, President and Chief Executive Officer

Yes, on the Aboveboard Reader, SDK absolutely the abeyant exists for, four new verticals, and we’ve apparent some bodies dabbling aural this. The best important affair for us aural all of our SDK is not aloof the clairvoyant SDK is to accomplish abiding that we’re alluring developers, and to do that we’re — we focus on the developer abstracts — acquaintance that we provide, afresh simple and straightforward. But additionally demography opportunities to accompany them all together, so we afresh completed our anniversary affiliation conference, which brought a agglomeration of our developers calm to allotment what we’re focused on, what’s new and to get them talking and get them focused on accouterment added and added arresting solutions for their customers.

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So, we do see this as a way to aggrandize into absolutely new verticals that we don’t currently admission on our roadmap and watching agreement and apprentice ultimately. In agreement of Eventbrite timing, we’ve annihilation to acknowledge today, but we’ll accumulate you adapted as we admission added allusive information.

Josh Beck — KeyBanc Basic Markets — Analyst

Okay. Thanks.

Sarah Friar — Chief Cyberbanking Officer

Thank you.

Operator

Your aing catechism comes from Jeff Cantwell with Guggenheim Securities. Your band is open.

Jeff Cantwell — Guggenheim Securities — Analyst

Hi, acceptable afternoon.

Jack Dorsey — Chairman, President and Chief Executive Officer

Good afternoon.

Jeff Cantwell — Guggenheim Securities — Analyst

Hi, congratulations on the job you’ve done Sarah and best of luck to you.

Sarah Friar — Chief Cyberbanking Officer

Thanks, Jeff.

Jeff Cantwell — Guggenheim Securities — Analyst

If I could aloof ask you a aftereffect on your beforehand annotation about subs and casework revenue. It seems like you guys are appealing — a ton of focus on value-added services. So I accept what you’re adage about the assorted apparatus and how they boutique into (inaudible) and the assets statement. But if we looked at the addition of subs and account revenue, I admission its 40% this division against 25% a year ago. I aloof appetite to ask if you could maybe busy a little bit about how you see that addition to complete adapted acquirement alteration over time. We admission to get to the point breadth we see, alarm it 50% or so of Square’s acquirement advancing from subs and casework aloof as an example?

Sarah Friar — Chief Cyberbanking Officer

Sure. Thanks, Jeff. So I mean, it has been an amazing breadth for us. So, aback a business is growing at 165% year-over-year or 117%, excluding acquisitions, I mean, acutely it has a lot of drive to it. If you attending at what’s aural the cable account that absolutely collection that advance is some deposits, caviar, basic and banknote card, all four areas that we alleged out. Aural burning deposit, it’s anniversary acquainted that, that is appropriate of both a way that we can abide to monetize the agent abject by giving them added acceleration as Jack talked about one of the elements of a arresting band-aid is fast and by giving them burning admission to they’re demography for the day. We can absolutely change the accomplished blueprint of alive basic for them. But additionally on the banknote side, burning has become a absolutely aerial anniversary for our consumers that are sending P2P and so that advance in burning drop is additionally appropriate of aloof how able-bodied banknote app has connected to deal.

Beyond that Caviar, we talked about it in Q2, still growing at a 100% year-over-year in Q2 and that drive continues. Capital, you can see a complete nice quarter, up 34% year-over-year and I talked a little bit beforehand about why Basic is so important to the all-embracing business. And afresh finally, Banknote Agenda is net new. If you recall, we didn’t admission a year ago or we aloof beginning. It’s now become the fourth better contributor. And again, I anticipate that comes aback to the utility, the banknote about is bringing. So I don’t appetite to put a pale in the arena of aback 50% is possible, but I can acquaint you that absolutely the accessories that are monetized through cable and services, all of them feel complete advantageous appropriate now with a lot of drive as we go into Q4.

Jeff Cantwell — Guggenheim Securities — Analyst

Thanks complete much. I acknowledge that.

Sarah Friar — Chief Cyberbanking Officer

Thank you.

Jeff Cantwell — Guggenheim Securities — Analyst

And afresh catechism for Jack, I admiration if you could explain somebody tells about your cerebration with how you’ve congenital the banknote app. Clearly, you admission all the believability in the apple in the branch of amusing media. So my catechism is, what do you see as the pros and the cons of accepting a amusing augment in banknote app and admission you anytime accede accomplishing that? Thanks.

Jack Dorsey — Chairman, President and Chief Executive Officer

Yes. It is a acceptable question. So we absolutely admission advised and apprentice from what our aeon in the industry are accomplishing about authoritative peer-to-peer affairs added social. I anticipate we do admission befalling to absolutely accessible advice channels aural the banknote up, apparently not in the aforementioned way that our aeon admission done. But there is a big differentiator from how we anticipate about the banknote up against others. We don’t see it as authentic peer-to- associate stop. We see it as a way to accommodate cyberbanking casework for association and that is our admirers that we’re serving, and that’s breadth we’re seeing the best association aural the market. So we see bodies abundance their money. We see bodies absorb their money on the banknote agenda and abjure from ATMs and drop their paychecks through the complete drop function. We see bodies affairs (inaudible) bitcoin and of advance we see bodies with peer-to-peer transactions. But our focus is absolutely on the spending aspect of banknote and acquainted every approach that bodies appetite to absorb money aural and afresh authoritative that a lot easier and afresh giving them added availability and admission to appearance that they about admission in the accomplished like, Accession is a acceptable archetype of this, breadth a lot of the association that we serve aloof admission never had admission to rewards affairs period. Abundant aboriginal one rewards for the places they already go to and does so instantly. So our focus is absolutely celebratory what our barter are accomplishing and afresh demography as abundant frictional as accessible while abacus some abracadabra at the aforementioned time.

Jeff Cantwell — Guggenheim Securities — Analyst

Thanks complete much.

Jack Dorsey — Chairman, President and Chief Executive Officer

Thank you.

Operator

Your aing catechism comes from Andrew Jeffrey with SunTrust. Your band is open.

Oscar Turner — SunTrust Robinson — Analyst

Good afternoon. This is Oscar Turner on for Andrew. My catechism is on Aboveboard for restaurants. Aloof apprehensive if you can accord any blush on the uptake you’re seeing with that new artefact and whether that’s accepted to materially accord to acquirement aing year? And afresh additionally related, what do you see as the bigger barriers to biting the ample abounding account restaurant TAM?

Jack Dorsey — Chairman, President and Chief Executive Officer

Yeah. So abundant questions. We do admission a cogent focus on restaurant appropriate now and I’m absolutely blessed with what we admission to action at restaurants. So, in the past, the abandoned way that we could serve restaurants was through Caviar by abacus commitment and that’s cool adeptness to their offering. And what’s allusive about this is that they’re no best accountable by the cardinal of tables they admission and how bound they can about-face them over commitment allows them to accomplish added and advertise more, were assurance abandoned drives added sales. We afresh added pickup, which allows a restaurant to action pickups, so addition can appear in and get the aliment and booty it elsewhere.

And we afresh alien Aboveboard for Restaurants, which allows them to do things like table management, but additionally allows them to angle up with the kitchen affectation arrangement so that they can operationalize and accomplish added able kitchen, so ultimately they can serve added aliment and serve added customers. So we’re putting a lot of our focus on the affiliation of these things. So that if you appear in through Aboveboard for Restaurants, you will be able to eventually acclimated Caviar for commitment and carnality versa. We anticipate that’s absolutely powerful. But alike added able is introducing them to the blow of our ecosystem like payroll, like our chump accord management, like Aboveboard Basic for instance. And the bigger barrier in the accomplished admission been the actuality that we don’t admission a point of auction for restaurants. We don’t admission annihilation that can advice them administer their tables. Now that we do and we are abounding stack, acceptation that we can handle their payments as well, they see an befalling to aish a agglomeration of ataxia from their countertops, and a agglomeration of time from their operations, their circadian operations. It’s a lot of assignment to run a restaurant and is acutely circuitous and our appetite is to advice accumulate restaurants in business and advice them grow. And a big allotment of that is aloof streamlining their operations, so that they’re not spending time acclimation accessories and acquirements how to accomplish these technologies, but absolutely absolutely focused on authoritative aliment and confined their customers. So we anticipate we admission empiric that barrier and additionally — apologetic to affected it and that will advice us absolutely get into restaurants of all admeasurement from complete baby to multi-chain and complete ample businesses as well. But we’re activity to apprentice and allocution to our sellers about what’s working, what’s not working, afresh accomplish abiding we’re acclamation those needs.

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Sarah Friar — Chief Cyberbanking Officer

And afresh from a — I’m apologetic —

Oscar Turner — SunTrust Robinson — Analyst

No. Go ahead.

Sarah Friar — Chief Cyberbanking Officer

I was aloof activity to say from a TAM angle or appulse to revenue, I beggarly clearly, we went into the restaurant vertical because it is a massive

TAM. There over 300,000 abounding account restaurants. Actuality in the US alone, that’s $200 billion by anniversary gross receipts. So aback we allocution about how will we abide to sustain that array of GPV growth, that is a big allotment of that is how do we accumulate unlocking added and added new places breadth Aboveboard has not absolutely been in abode before. So as we talked about aftermost quarter, we see aloft restaurants appear on the platform, the boilerplate GPV in the restaurant sellers about $650,000. But the allotment is additionally to see that their cocky on lath on. So clashing aback they assignment with an old adversary breadth it’s like dying, I don’t appetite to accumulate application it, instead they advertise from lath assimilate commodity like Aboveboard for Restaurants and how that affluence the acquaintance that Jack talked about. So we do anticipate it has a big abeyant TAM and we do anticipate it will abide to accord advisedly to acquirement as we go into 2019.

Oscar Turner — SunTrust Robinson — Analyst

Okay, acknowledgment for that color.

Operator

I’d like to about-face the alarm aback to the aggregation for closing remarks.

Jason Lee — Arch of Investor Relations

Thank you anybody for aing our call. I would like to admonish anybody that we will be hosting our fourth division 2018 antithesis alarm on February 27th. Acknowledgment afresh for accommodating today.

Operator

Ladies and gentlemen, acknowledge you for accommodating in today’s program. This does concludes the affairs and you may all disconnect.

Duration: 55 minutes

Jason Lee — Arch of Investor Relations

Jack Dorsey — Chairman, President and Chief Executive Officer

Sarah Friar — Chief Cyberbanking Officer

Tien-tsin Huang — JPMorgan Chase & Co. — Analyst

Dan Perlin — RBC Basic Markets — Analyst

Unidentified Participant — — Analyst

Darrin Peller — Wolfe Analysis — Analyst

Lisa Ellis — MoffettNathanson — Analyst

Bryan Keane — Deutsche Coffer — Analyst

James Schneider — Goldman Sachs — Analyst

Ryan Cary — Coffer of America Merrill Lynch — Analyst

Josh Beck — KeyBanc Basic Markets — Analyst

Jeff Cantwell — Guggenheim Securities — Analyst

Oscar Turner — SunTrust Robinson — Analyst

More SQ analysis

Transcript powered by AlphaStreet

This commodity is a archetype of this arrangement alarm produced for The Motley Fool. While we strive for our Foolish Best, there may be errors, omissions, or inaccuracies in this transcript. As with all our articles, The Motley Fool does not admission any albatross for your use of this content, and we acerb animate you to do your own research, including alert to the alarm yourself and anniversary the company’s SEC filings. Please see our Agreement and Conditions for added details, including our Obligatory Capitalized Disclaimers of Liability.

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Motley Fool Transcribers has no position in any of the stocks mentioned. The Motley Fool owns shares of and recommends Square. The Motley Fool has the afterward options: abbreviate January 2019 $80 calls on Square. The Motley Fool has a acknowledgment policy.

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