Are you in sales or wanting a conveient way for your customers to pay invoices or for services you offer? If you are also in direct sales; this is a great service to offer. I want to recommend Square. You can even accept payments via e-mail invoice with the system as well. I was able to easily sign up for Square a few years ago and have not had any processing fees yet. You can refer others to earn free processing so no fees are taken from your sales.