Take credit cards right on your smartphone with the Square Card Reader. The Square card reader allows you to accept payments on your your iPhone, iPad, or Android device. Download the free Square app, create an account, plug in the card reader, and start taking payments. Pay just 2.75% per swipe for all major credit cards. No hidden fees or confusing bills. Payments taken during business hours are deposited into your bank account the next business day. Customers sign with their finger and receive electronic receipts via text or email. Track sales, build an items library, all within the app.