I am a licensed massage and bodywork therapist, and now use Square.
For nine and a half years, I did cash and checks only, and only had maybe three or four returned checks, which were all handled promptly and to my satisfaction. After using it at my acupuncturist's office a few times, I broke down and got Square (and a smart phone, my husband was so glad! We upgraded at the same time....new gadgets!
). It was simple and easy, and sometimes people are inclined to tip more, or buy more gift certificates because I now offer it.
I like that I can accept MC/V/Amex/Disc - for the same fee! No surprises yet (since January 2012). The fee is reasonable to me, especially since it doesn't require a landline....or expensive equipment to buy or lease...and wireless cc terminals are
expensive!....this is Ã¼ber portable for anywhere I might be doing a chair massage event, or bumping into a client who remembers they need a gift certificate, or even someone wanting to purchase a session package over the phone! (You can manually enter a cc number, for a slightly higher percentage fee.) I can write off the fees as a business expense, and if I never use it again, I won't lose sleep over it....I feel I've lost nothing.
I do now pay for a data plan, but I'm not sure how I got along before without my smartphone! I did fine, of course, but what a nice bonus! That only costs me an additional $30/mo, and worth every penny for me.
Down the street from my office is a chocolatier (she's amazing!) who uses the ipad/square combo, and seems to have only good things to say about it....and she is quite busy.