payment terms need to be stated on the bill under terms so both you and your client know what is expected. each state has different rules but 10 days is definitely not a delinquent bill yet.
also if their credit card is on file you can charge it anytime you want since they gave you permission to hold their credit card on file for future charges.
Square is not a collection agency and isn't going to help you get paid, that will be up to you.
