I just signed up with a deal from my bank. I pay 19.95 per month and 2.65% on Visa,Mastercard,Amex and Discover. It is a mobile device that works with my phone by Bluetooth and allows me to accept debit cards as well. If someone was going to give me a check, they can now pay with their debit card. All my debit transactions are free. I'll start using this week.