Who needs an expensive credit card machine with FocusPay? Credit Card Rates are lower than Square or GoPayment. It was easy to set-up our merchant account and accept credit cards using my Atrix 4G Android. No need for the optional card reader or Bluetooth receipt printer with email receipts. But, some customers like the paper receipt, so nice to have the option. I can accept all Visa, MasterCard, Discover, and American Express Cards, too. FocusPay offers special credit programs for small businesses and start-ups and large credit lines for businesses like mine who need it. Deposits into the bank take about two days after sales are made. Definitely worth a look.