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Do I Choose "INSTANT DEPOSIT" before or after swiping a card for the amount?

Do I Choose "INSTANT DEPOSIT" before or after swiping a card for the amount?  The last time, it appears I swiped the card before requesting "INSTANT DEPOSIT" and the funds went on the 2 business days ride.  Seems once you swipe a card the transaction is instant and nonreversible.  

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Square

After! Once you process a payment and hit all of the requirements, (have a linked debit card, at least a $25 balance, ect.) you can initiate an instant deposit. To send an instant deposit from an iPhone or Android device:

 

- From the Square app, tap the three horizontal lines on the navigation bar. 
- Tap Activity > Instantly Deposit.

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