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{App of the Month} Square Register Makes Taking Payments Easy

Accept payments with Square Register | SOHO Tech TrainingIf you still have a traditional merchant account, and it works for you, keep using it. But, if you’re looking to make a change and to kick those merchant fees to the curb, give Square Register a try.

Here’s how it works:

1. Sign up for a free Square account and the Square card reader will be mailed to you.

2. Download the app for your iPhone, iPad, or Android phone and then link your bank account.

3. Select your pricing plan (flat monthly rate* vs per swipe fee).

4. To use the reader, insert it in your phone’s headphone jack and follow the prompts from there.

(*This is a new feature. To figure out which pricing model is best for you, visit their FAQ page and see below for more info.)

You’ll probably like the ability to quickly and easily accept credit card payment without a merchant account and having funds deposited within one to two business days. And, once your transaction has been completed, you can immediately e-mail or text the receipt to the purchaser. If the sale is being made to someone who’s paid with Square before, the app will remember their contact information. That’s a nice time saver.

Other features that might interest you:

  • Discounts. Set up discounts (percentage or dollar amount) that can be deducted from a sale.
  • Library. Create a searchable inventory of things that you sell.
  • Payments With or Without the Card Reader. You can take payments using the reader or without it, but the fees will be different for each.

 

Add your small business to the Square Directory | SOHO Tech Training

 

About the App

Platform: Android, iOS (iPhone, iPad)

Cost: Free
More About Square

Cost of card reader: Free

Merchant account required: No

Accepted credit cards: American Express, Visa, MasterCard, and Discover

Per swipe fee: 2.75% (with card reader) or 3.5 % + 15¢ (manual entry)

Flat monthly rate: $275 (with limits)

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About Deb Lee

I'm your guide for all things tech around here. I love to help small & home office entrepreneurs leverage online & mobile technology tools. I don't bite or speak in too much techie lingo. Have a question or a tip? Drop me a line. Check out my new eBook! 50 Tech Tools to Increase Your Productivity and Profitability.

5 Awesome Comments So Far

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  1. Kat Kramer
    March 21, 2013 at 4:26 pm #

    Wow…after using Intuit’s GoPayment for almost two and a half years, I was tired of Intuit’s lack of response to customer requests for simple enhancements. I was helping a friend with her retail sales, and she couldn’t connect to Authorize.net. Within an hour, we had signed up for a Square account for her, set up all of her products (about 60), and had TWO iPads taking orders. I was shocked at how easy and elegant it was. I’ve used the GoPayment system for years because it would allow me to add product groups (i.e. “necklace,” “earrings,” “ring”), and it was simple. However, Intuit has not allowed us to create categories, add pictures, or even harvest email addresses for later marketing use. Also, Intuit’s solution relies on Flash, which doesn’t work on an iPhone…the very product you marketed to! If someone gets locked out of GoPayment, you pretty much have to find a wireless connection and get on your laptop to get them back in. (I have been able to unlock someone on the phone, but it’s not easy…).

    I don’t like Square Register on the iPhone, because it doesn’t allow you to ring up products, only an amount. However, Square Register on the iPad is an elegant solution, and actually costs less. Intuit will charge extra for “rewards” cards, and you never really know what you’re being charged. Extra for Amex. A $0.30 transaction fee. Square is $0.15 transaction fee and 2.75%. Flat. Sure, my swiped fee on GoPayment is 1.75%, but after they add all of the “non-qualified” stuff to it, like rewards cards and business cards, you’re NOT paying that little.

    I also like the fact that you can email reports from Square, and that you can see exactly what customers bought. Any question on a purchase? Look back at the history and you can see what they were charged for. I HIGHLY recommend Square Register on the iPad, especially if you’re a small business that needs to ring up “items.” Another feature missing in GoPayment? We set up some of our items on the iPad, then added items and photos on my MacBook, and it populated ALL of the iPads with these! On GoPayment, you have to add items to every single device…a nightmare if you have multiple devices. You can even have separate users that take payments into the same account, with different logins. Then you can run reports across all of the devices.

  2. Brandie @ Spoon and Saucer
    March 12, 2013 at 11:34 pm #

    I love it too! You can also use it to take phone payments. Also very cool: I’ve seen it ALL OVER at coffee shops and bakeries in my area! Very smart shopkeepers. :)

  3. Julie Bestry
    January 8, 2013 at 12:55 am #

    Can square figure out how much sales tax you should charge? I have a client who sells products at fairs, and because of where we are located, different venues are in different counties and sometimes different states. Is there a way to feed just a little information in and have it do the evil math for you? :-)

    • Deb, Tech Guide
      January 9, 2013 at 7:57 pm #

      Hi Julie -

      I believe the answer is yes. You can find out more here: http://bit.ly/TLRa6U.

      Deb =)

  4. Victoria Cook
    December 25, 2012 at 1:36 pm #

    I LOVE Square! Been using it the last year and finally got rid of a merchant I occasionally used that also charged a monthly fee that just wasn’t worth it. I like that you can manually enter too so I use it for my monthly retainer clients too. Nice thorough job, Deb!

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