I don't do much retail work but every now and then a customer wants to pay with a credit card, I didn't take them for not wanting to pay terminal fees and any monthly fees. This is a really cut and dry way to go, a 2.75% tranaction fee, no terminal, no monthly fees, plugs into my cellphone and payments hit my acct in 24 hrs. Works for me , I thought I would share. square dot com.