Yesterday I signed up with Square, to start accepting credit cards with my iPhone 4. So far, I am pretty impressed. Setup within minutes, instant approval, and from what I have seen very competitive rates. 2.75% with card reader(free, they say it takes a couple days to get). If you enter credit card numbers manually, Square costs 3.5% + $.15 per transaction. No monthly fees. Cheaper than PayPal, and from what I have seen, cheaper than even what Sam's Club has been trying to sell me. Most of my customers always have a check waiting for me, or if billed monthly, are great payers, but am excited to offer an alternative. Who here uses Square, and your thoughts? From the reviews at Apple, people love it. To be honest, am even thinking when I offer to accept credit cards, explain to the customer, (and put it in writing) that it will include the appropriate fee. I don't believe any of my customers will mind, if they choose to pay by credit card, to have the fee included in on the price. I think that this will lead to more prepaid services, say for a month at a time. Just thinking out loud.