[Tell ‘Em Why You Mad] Mobile Credit Card Readers

Girl Scouts with credit card readers

Found this image on Facebook and just had to share it with my readers. It’s funny, but it brings up a good point I’d like to make. If a little girl selling cookies can swipe a credit card to complete a transaction, why must I hunt around for an ATM when I patron your carwash, babershop, food tuck, beauty salon, or booth at my local trade show/expo, barbeque grill in the Walmart parking lot on the weekends, or [insert business that doesn’t have a physical location here]

I just had this conversation with Mrs. Tech about our kid’s Daycare/Pre-K. They only take cash, check or money order…MONEY ORDER?!


Companies like Square, PayPal and others are making it DEAD simple to take credit cards with low transaction fees that link directly to your bank account. All you need is a smartphone, a FREE app, and the credit card reader to use their service (that’s also free in most cases). So remind me why you can’t take my [plastic] money?

I don’t carry cash or checks…I’m certainly not going to a bank, grocery store or shady “Get Cash Fast…but pay 500% interest” spot to pay for a money order. So I’m cool with not patronizing your business if you don’t accept credit cards. I’ll go to the next spot. Are you, Mr/Mrs small business owner, cool with letting money walk out the door because you don’t want to invest 5 minutes to research accepting credit cards anywhere, or worse: Don’t want to pay the transaction fees??

So you choose to miss ALL my money because you don’t want to give up SOME of it to a company that makes it easier for you to accept ALL my money? Let that sink in for a second…


Terrance Gaines

Terrance Gaines is an Apple Certified Support Professional living in Atlanta. When he is not spending time with his lovely wife and two smart, sweet, and sassy daughters, he's providing individuals and small biz owners with exceptional, comprehensive, and affordable technology support that will enable people to do great things. For more information, visit terrancegaines.com

  • Yes!!!! Preach!!!!!! I have a hair salon in neighborhood and they don’t accept credit cards and I didn’t have any cash on me. The bank across the street ATM didn’t work. I left when to my bank which is an hour away to get cash to come back pay her. They can buy the Square reader in the store and they give that money back once you set up your account. Needless to say I don’t go there anymore. They will learn, when they start loosing business.

    • How can a hair salon expect people, in the year 2013, to carry as much cash as many salon services cost?

      • Right. They didn’t even have a regular credit card machine. That’s why they don’t get any of my business any more.

  • I can understand these smaller businesses wanting to avoid paying fees for the transactions, but it is extremely inconvenient as a shopper.
    In NY, the gas stations allow you to pay a lower price per gallon if you pay with cash.

  • As a small business owner I learned real quick the disadvantages of NOT accepting credit cards. It seems like I could literally see cash walking out of my hands ! Needless to say I found a solution and getting paid is a lot easier !

  • Yes!! This is a pet peeve for me. It seems to me that I run into this with hair salons the most. If you are a business owner or entrepreneur, there really is no excuse now to not be up to date when it comes to scheduling, contact, or payment. There are so many free options that are available. I try not to judge, but it really seems that people who are not taking the time to research and organize their business to make it easier on their customers do not truly value the patronage.

  • Not accepting plastic is NOT ACCEPTABLE!!…and us Business Owners have to be at 100 and ready to take your card!!