Where Can You Buy A Square Credit Card Reader
When businesses are making a decision about whether to use the Square app, the fixed credit card processing fee is a benefit. Square also removes the need for businesses to buy expensive hardware. The Square Reader, which is a small credit card reader, is provided free. The Square Reader can be used to accept credit card payments online or offline and also to send receipts to customers. Businesses do have the choice to buy more hardware, such as the Square Stand, which is a POS for iPads.
where can you buy a square credit card reader
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Square is hard at work trying to disrupt the way merchants and customers do transactions. The company recently launched its Register app for iPad to help its more than one million merchants ditch their cash registers, and its Pay with Square app makes it possible to pay hands-free at Square merchants. But its credit card reader, which helps businesses of all sizes take credit cards with their phones is still important, and offering it in more retail stores helps give the company more exposure.
Including the new Walgreens, FedEx Office, and Staples locations, more than 20,000 retail locations nationwide sell the card reader. The reader is additionally available at the Apple Store, Best Buy, OfficeMax, Radio Shack, Target, UPS, and Walmart.
Remember the Square card reader and payment service from our first hands-on video in January at Macworld Expo 2010? Square makes it possible for anyone, whether an individual or small business, to take payments via credit card. Shortly after Macworld Expo, I signed up for the service; I finally received my free credit card reader yesterday.
The reader is a tiny square box that plugs into the audio port on iOS devices or other smartphones. Rather than using an expensive (usually $75 or more) "sled" reader like those used in Apple's retail stores, Square developed a reader that did not use the dock connector or need the blessing of Apple's "Made For iPhone" certification. These readers have no moving parts and are so inexpensive to manufacture that Square can give them away. Anyone can sign up for the service and get a free reader. If you want to be able to split a bar tab with friends and have them pay you via credit card, you can get a Square account and reader, and then simply swipe your friends cards to get paid. Square takes 2.75% of the transaction + 15 per swipe if you can get your drunk friends to provide their finger-written signatures, and 3.5% + 15 if they don't sign. Does that sound like a lot? To an individual, it might, but to small businesses who are used to hefty sign-up fees, monthly account minimums, merchant account fees, and higher percentages, Square is a hell of a deal.
Let me show you a real-world example. For my small business, I wanted to be able to take credit cards for payment from people who were attending classes I was teaching and from consulting clients who wanted to be able to pay by credit card instead of check. A few years ago, I decided to invest in Credit Card Terminal (US$0.99), one of the first payment apps for the iPhone. The company basically gives away the app and makes their money on a monthly merchant account fee. Currently, the company is offering a free sled-type credit card reader or a $50 iTunes gift card if you sign up through them for Authorize.net's merchant services, and charges $25 per month ($10 for Merchant Focus, $15 for Authorize.net) plus 24 and 1.74 - 3.79% per transaction. For a $120 charge, Square charges me $3.45 in fees if I have the client sign the charge. That's it. If that happens to be my only credit card customer that month, I'm out $3.45. With my existing credit card service, I'm only out $2.75 -- but wait, I also have to pay that $25 in fees. Suddenly, if I only accept a single charge in a month, that $120 I just got from my client dwindles down to $92.25! Of course, the tax accountants in the crowd will say that I can claim the fees as bank service charges, but frankly I'd rather keep that $25 monthly fee in my bank account. Companies that are doing a lot of credit card transactions will probably come out ahead using a more traditional app like Credit Card Terminal and a merchant account. But for those of us who just want to accept credit cards occasionally, Square is a bargain. Note that you cannot accept web payments using Square, but for those purposes, PayPal or Google Payments work quite well without requiring a merchant account. So, how does it work in reality? Pretty darned well. You'll want to install the free universal app first -- while the iPhone app is excellent for capturing payments from friends and clients, it goes even further on the iPad by allowing you to create packaged transactions. These can be products (grande mocha latte, bike tire, whatever...) or services (business consulting by the hour, house cleaning, etc...). You set 'em up once on the iPad, and you can then tote up a bill consisting of a variety of goods, or services by the hour. Plugging the Square reader into the audio port on your device turns on a little icon showing that the reader is attached, and then all you need to do is swipe a credit card through it. The first few times I tried doing a card swipe I was unsuccessful, until I used Square's suggested technique -- "smooth, even, steady." Now every swipe seems to go through immediately. The charge is authorized, and if approved you can then ask the person you're charging to sign the screen with a finger or stylus. If the customer wants a receipt, you can easily send it to them via email. If you're using the iPhone app, you can also choose to take a picture of the item that is being sold or a snapshot of the customer if you wish, which is kind of fun. The transactions are also geolocated, and receipts that are received from Square show a map with the location of the transaction.As you can see in the screenshot gallery, the method of taking transactions is identical between iPhone and iPad -- the iPad app just acts more like a point-of-sale terminal, with pre-packaged prices for items. Once the transaction is completed, the merchant receives notification of the transaction via email, and if the customer asked for a receipt, they get one too. Customer receipts show how many times they've done business with the merchant, which is useful for determining who your top customers are. Tax can be collected, and tips added if you want -- it's just a process of checking the right boxes in the settings. My only complaint is that the Square reader looks like it is going to be easy to lose! It's so small that one of my clients remarked while I was charging her credit card, "You need to stick that thing to your iPhone with Velcro or you're going to lose it!" Note to case manufacturers -- the first company that creates an iPhone or iPad case with a spot for locking away a Square reader and a PoGo Stylus is going to get my business.If you have any concerns about the security of such a system, I recommend reading up on Square's security measures. One important measure is that at no time is the credit card information stored on your device. It goes right from reader to Square, and it's encrypted the entire time. Square is perfect for people who want to accept credit cards for anything. Are you holding a garage sale? Accept credit cards and get approval on the spot. Helping out at a bake sale at the school? Let people pay with a card. Maybe you're a roving troubadour who wants to get paid by credit card -- you can do it with Square. Now, it's time for me to go break the bad news to my existing credit card service. I just wish I could get them to refund the $300 in annual charges they've been pulling out of my accounts.
The first card reader Square gives you is free. After that, each additional card reader is $10. With PayPal, card readers cost $29 and $79 for each additional device. Square offers a tip management tool and both companies offer multiple options for software integration.
Square was named one of the top 10 credit card processing companies in 2023. It is especially popular with small businesses because of its ease of use, free mobile card reader and lack of monthly fees.
Cash registers are so twentieth century. For small businesses, mobile card readers are a welcome, innovative solution for accepting credit cards using a mobile device. Square is one such solution, and it's an excellent one. It plugs into a variety of phones and tablets and uses a simple, attractive interface to allow you to accept credit card payments. It's free to download, though Square charges a small fee for every transaction. With its excellent aesthetics, modern features, and ease of use on many devices, the Square Chip Card Reader is an Editors' Choice for mobile credit card readers and point-of-sale (POS) software solutions.
The easiest way to start using Square is to go to Square's website(Opens in a new window), or to download the Square app from the Apple App Store or Google Play store. Signing up for an account is as simple as entering your tax information. For an individual, it's a social security number and some other personal information. Square is very clear about protecting your data, but it's always good to be wary of anything asking for this information. Other card readers, like PayAnywhere($29.99 at Amazon)(Opens in a new window) and QuickBooks GoPayment(Visit Site at QuickBooks Self-Employed)(Opens in a new window), make users go through a lengthy vetting process if they aren't an established business. Square is much more convenient.
The Square Chip Card Reader costs $29, and lets you accept payments from older magtripe cards and newer chipped credit cards. If you register for an account, Square will send you a reader for free, but that model just supports magstripe cards, not the new EMV security standard. This tiny white plastic square that plugs into the headphone jack of your device is by far the most aesthetically pleasing reader I've tested. When connected, it can immediately start accepting payments. The system works over Wi-Fi or a cell phone data connection. It's also battery-powered and sports a micro USB port for charging. I tested the dongle on a Motorola Moto X. 041b061a72