I'm really starting to love Square. The card reader is flawless and if I don't have my reader handy or they want to pay over the phone, the app handles it easily (1% overcharge). Today, I decided to use it to collect a balance on an event. I have to say, it was easier/faster than paypal. Very impressed with their product and the money goes straight to my bank account. No more waiting for money to transfer. Highly recommended.