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For a business that’s just getting on its feet, this might not be the best option.Setting up credit card processing with a service like Square (see our review) is much less complicated, and almost anyone can do it.
There is a trade-off for this convenience, however.With a merchant account, you typically get lower rates (1-2%) because of the decreased risk.Most card swipers charge 3% or more in fees (but more about that later).Cell signal in these places is also hit-or-miss, and the best carriers vary by region.Most smartphones these days are capable of becoming Wi-Fi hotspots, so you can create your own Wi-Fi.
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A friend of mine owns an arts and crafts business and uses Pay Pal Here to accept credit card payments when she’s at conventions and other events.