# Credit Card processing
**URL:** https://forums.speedlife.net/t/credit-card-processing/265535
**Category:** Shift518 Off Topic
**Created:** [November 19, 2012, 10:00am UTC](https://forums.speedlife.net/t/credit-card-processing/265535 "2012-11-19T10:00:05Z")
**Posts on this page:** 10
**Page:** 1
### Author:  [@wheels](https://forums.speedlife.net/u/wheels)
#### Post date: [November 19, 2012, 10:00am UTC](https://forums.speedlife.net/t/credit-card-processing/265535/1 "2012-11-19T10:00:05Z")
For those of you who accept credit cards for payment at your business, who do you use for a merchant? Were paying too much with out current company and they added too many BS fees.
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### Author:  [@Sully93vr4](https://forums.speedlife.net/u/Sully93vr4)
#### Post date: [November 19, 2012, 10:14am UTC](https://forums.speedlife.net/t/credit-card-processing/265535/2 "2012-11-19T10:14:22Z")
My parents place uses E3 payments systems…not sure how they compare though.
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### Author:  [@Boxersix](https://forums.speedlife.net/u/Boxersix)
#### Post date: [November 19, 2012, 12:50pm UTC](https://forums.speedlife.net/t/credit-card-processing/265535/3 "2012-11-19T12:50:33Z")
I use either merchant services through my credit union(sunmark), or with that new square thingy. Actually works quite nicely for in-person transactions.
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### Author:  [@SRS\_BZNS](https://forums.speedlife.net/u/SRS_BZNS)
#### Post date: [November 19, 2012, 12:53pm UTC](https://forums.speedlife.net/t/credit-card-processing/265535/4 "2012-11-19T12:53:29Z")
I have been interested in the square thingy. Currently getting raped at 5% for most transactions but no machine fees so idk if that is good or not
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### Author:  [@Boxersix](https://forums.speedlife.net/u/Boxersix)
#### Post date: [November 19, 2012, 12:55pm UTC](https://forums.speedlife.net/t/credit-card-processing/265535/5 "2012-11-19T12:55:19Z")
square is like 2.9% or something and the little cube thing and software are free. takes all of five minutes to setup once you have your bank account # and routing #
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### Author:  [@wheels](https://forums.speedlife.net/u/wheels)
#### Post date: [November 19, 2012, 1:34pm UTC](https://forums.speedlife.net/t/credit-card-processing/265535/6 "2012-11-19T13:34:16Z")
I got a thing in the mail for the square today thats why I’m asking. 2.75% per swipe but I manually enter all the CC payments, and that rate is 3.5%
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### Author:  [@Boxersix](https://forums.speedlife.net/u/Boxersix)
#### Post date: [November 19, 2012, 7:38pm UTC](https://forums.speedlife.net/t/credit-card-processing/265535/7 "2012-11-19T19:38:10Z")
Yes but no monthly service fee for having a cc reading machine in the office. Set the square account up, I think you’ll like it.
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### Author:  [@offroadzj](https://forums.speedlife.net/u/offroadzj)
#### Post date: [November 20, 2012, 3:43am UTC](https://forums.speedlife.net/t/credit-card-processing/265535/8 "2012-11-20T03:43:53Z")
I use the square because it is a nice set rate that I don’t have to worry about what each card will charge. But I try to stick to just swiping. I received a thing in the mail for some merchant services that I’m going to look into. The rates are similar, and they give me a free card machine… but, something seems too good to be true.
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### Author:  [@Shady](https://forums.speedlife.net/u/Shady)
#### Post date: [November 20, 2012, 5:09am UTC](https://forums.speedlife.net/t/credit-card-processing/265535/9 "2012-11-20T05:09:36Z")
> [@husqvarna](https://forums.speedlife.net/t/husqvarna/51113/4):
>
> I got a thing in the mail for the square today thats why I’m asking. 2.75% per swipe but I manually enter all the CC payments, and that rate is 3.5%
Always going to get raped for manual entered transactions, more of a security risk for both you and the processing company should a bogus card ever be used and need to be reversed as you are supposed to have proof of ID when doing CC transactions.
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### Author:  [@sbardy](https://forums.speedlife.net/u/sbardy)
#### Post date: [November 20, 2012, 5:12am UTC](https://forums.speedlife.net/t/credit-card-processing/265535/10 "2012-11-20T05:12:36Z")
mercury payments was always good to me.