Jack English wrote: By accepting credit cards I guess I shouldn't worry about them trying to "cancel" a payment after I have done the shoot?
Credit card payments cannot be "cancelled," They can be "disputed."
The difference is that the customer has to justify why the think they should not have to pay, and the merchant has a chance to respond. The most common reasons for a dispute are that the customer did not actually make the charge, or that the services were not delivered. if you are concerned, have them sign a receipt and make a copy of their ID.
On the other hand, the customer does not need a reason to "stop payment" on a check. You deposit the check and it bounces. You have no recourse with the bank, as they will stay out of the dispute.
It seems to me that accepting a credit card is safer than accepting a check.
I use Square on my android phone and tablet as well. Never had any issues with a client disputing payment in over two years. They sign for it right on your phone/tablet, and it also records the GPS location of the transaction. You'd also have the images they paid for as evidence if they ever did try to dispute it. The app will also email them a receipt as well. It's well worth the small percentage they charge in my opinion.
PhillipM wrote: Can you use square with the iPad 3?
Yes, but you need to either have a working connection for it to work - 3G/4G or WIFI both work just fine. I dont have a 3G iPad but in the studio works just fine on my WIFI network. On location I use my iPhone and Square (they changed the app name to Reigister) will send you more than one reader for free. At shows (with a WIFI connection) I have made sales with both devices and the accounting Square provides will let you know which device was made to make the sale.
Pretty good service and I have never had a problem with customers disputing the transaction for a portrait shoot; not only do you have their signature you have their picture as well To overcome the problem of a stolen card I always check their lD like a drivers license.
If someone is willing to give me money, I make it easy for them to do so. Card swiper/manual entry...paypal...square...emailing to me. I'd rather get the money in my account as fast as possible rather than worry about best processing rate. With that said, I do search out competitive rates (PM if you want/need to know). When offered a choice, of course, I prefer check. And cash is king.
Check if your bank allows check deposit via iphone app. Citi and Chase do it. The small community banks have their own version - or soon will. It saves a lot of time and allows the actual check to stay in your records as proof of payment.