how many are using Quickbooks credit card processing and/or Payroll and how's it work for you? I've been using a full service payroll company where all I have to do is call in the hours each pay period and they do the rest. It's is nice because they do all the filings and everything, but it is like $100 a month for just two paychecks. I'm sure that with QB payroll I could do two or three paychecks pretty easily and it would save me a $1000 a year. Also, I need to start accepting Credit cards and want auto billing. Looks like QB can do this as well. Any input is appreciated, thanks.