ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Which Credit Card Reader is Best for Cell Phones? Squareup is the Easiest to Use!

Updated on August 3, 2012

Squareup

Signing for the credit card transaction.
Signing for the credit card transaction. | Source
It is very easy to enter information into the Squareup App.
It is very easy to enter information into the Squareup App. | Source

I sell jewelry at Fairs and Farmers Markets. In the beginning, I only accepted cash and checks. As time went on, people started asking me if I accepted credit cards, especially when they had already spent all of their cash on vegetables. After the 4th person walked away when I said I did not, I finally went looking for a service.

Shazam - A Call-In Merchant Service


The first service I signed up with was through Shazam. It is a call-in service. I call a Toll Free number, enter my merchant #, enter all of the credit card information, and receive an authorization code. It worked great until I bought an HTC Touch Pro Smartphone. The Shazam service can easily hear the tones of all the data I enter on a basic phone, but it did not hear the tones on my HTC Touch Pro phone. I ended up using my husband's basic cell phone. This worked fine, except that he had to give up his phone for that time. This method also takes a lot of time. It has a 3 year contract, a monthly fee of $17.50 per month or a vacation fee of $7.50/month, plus a transaction fee and a percentage fee. The percentage is higher for American Express.

I decided to find something simpler and faster. By this time, I had ditched my HTC Touch Pro phone in favor of a Blackberry Curve through US Cellular. I did a search for credit card readers and found one that worked on a Blackberry. However, I ran into a problem because US Cellular does not offer that kind of service and the service did not work on a Blackberry Curve.

Payment Max


I switched to Verizon and bought a Blackberry Bold which worked with Payment Max, the service I had discovered. Signing up for Payment Max was time consuming with many pages for the application process. I quickly filled out the forms. I had some questions, but when I called the Sales Dept number that was on their website, it said to leave a message. No one called me back, ever. I went ahead with the application anyway, paid for the Card Reader to be sent to me – about $60.00 with fast shipping. I was selling jewelry at a big fair that weekend and wanted to have it. When I received it, the service was more complicated than I thought it would be using it on a Blackberry, and I had no time to learn it before the fair. I didn’t use it that weekend. The next month I discovered a $50 charge taken from my bank account from Payment Max. Apparently, in very fine print, I had agreed on the application to pay a minimum usage fee of $50! I left messages. No response. I emailed them and finally received a response saying that I had agreed to this charge. After much arguing, they ended up reversing the charge and giving me my money back. I canceled the service.

Payment Jack


I then tried Payment Jack which is an inexpensive service at $9.99 fee per month, good rates and worked on a Blackberry. The App was easy to download. However, It kept booting me out of the account. With the tiny letters and numbers on the Blackberry, I had a hard time getting the password in and having it be accepted. I also had a hard time using the small mouse on the Blackberry to get into the right line and enter data for the transaction. I gave up and continued using the call-in Shazam service with my husband's basic phone.

SquareUp


One day, another vendor told me about http://Squareup.com which only works on an IPhone, IPad, and Android. I didn’t really want to buy another phone, but the call-in service was getting too time consuming. I had also been coveting the IPhone4s ever since my daughter's boyfriend showed me how useful and fun Siri is to use.

I kept putting it off until one day I broke down and bought an IPhone 4s. I love it! See my Hub about it: Blackberry vs IPhone: Which One is Best for You?

I am now using SquareUp for credit card transactions at the Farmers Market. It is by far the easiest one to use. The App is easy to download. Like the others, it plugs into the phone’s headset jack. However, it never boots me out of my account, so I don’t have to keep entering my password. It is very easy to move around the App and enter information. Swiping the card is a little tricky and sometimes I have to try 5 times before it authorizes, but practice makes it faster and easier. There is no monthly fee and no transaction fee. It has one simple rate of 2.75% for every credit card transaction. All major credit cards are accepted with the same rate. The credit card reader is FREE! And, it has next day deposit.

I highly recommend Squareup! Every time I use it, I am so grateful because it saves me so much time and effort to accept credit cards. My sales have gone up as a result. People buy a lot more jewelry when they find out that I accept credit cards. Enjoy it!

Comments

    0 of 8192 characters used
    Post Comment

    • profile image

      payanywhere 

      4 years ago from Los Angeles, California

      There are only four real competitors in my opinion. Obviously, Squareup, Paypal Here and GoPayment. But http://www.payanywhere.com is also a viable solution backed by a multi-billion dollar company

    • merchantdoctor profile image

      merchantdoctor 

      6 years ago from Reno

      Mobile payments have changed the face of business. Square is an innovator and game changer that is rightfully revered for their vision, however, they did not keep the safety of the public in mind. https://hubpages.com/business/Accept-Credit-Cards-...

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)