Now You can take debit cards and credit cards using this new free gadget for your cell phone. It’s called “SquareUp.” There’s no hidden gimmick or charges to get the gadget and use it on your phone; however, they do charge 2.75% of your transaction (just like a merchant account) and 15 cents for the transaction when you physically swipe the card on your gadget. If you manually punch in the info (taking the info over the phone) and the card is not physically swiped in your gadget, they will charge you 3.5% + 15cents. Still a great and awesome tool for free!

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