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I signed up for Square, Intuit GoPaymet, and PayPal Here, so I will be able to give you an idea of the relative rating of GoPayment. I signed up for Square the longest time ago, but they never sent me the reader, so there goes that. Several months after telling PayPal I'm interested in PayPal Here, they sent me a card reader. The card reader sucked. It took over 100 tries to read a card. In the end, I was able to test several cards. I also tried photographing the card, which works reliably, but costs 3.5% + 15cents vs 2.70% for swipe. The transaction was simple. The money appears in my account in minutes, ready for use and my test credit card was charged in a few days. I also tested processing refunds. The only catch is that the 15cents wasn't refunded to me when I did the "keyed-in" transaction, but the 2.7% and 3.5% fees were refunded. They gave me a limit of $2,500 per any 7-day period, or else they'd freeze anything after that for 30 days. I found it very simple, very easy to use, and integrates right into the PayPal account that I already actively use. Then, a friend told me about GoPayment. I decided to sign up, since someone I know recommended it. They sent me the reader, gave me a credit limit of $10,000, and I did the same thing I did with PayPal Here. The card reader works very well, no problems at all. I also tried keying in a card number and that works well too, although the rate would be 3.7% vs 2.7%. Then I tried reversing the transactions. That _seemed_ to have worked fine. But then, a couple days later, I got an email from Intuit saying that they sent my account to collections and they're going to close my account for the amount I refunded myself plus $25 NSF charge. I couldn't figure out what was going on so I called Intuit. The good thing is that their customer service is open 24/7, so I talked to a guy who explained how everything works. He said that only qualified cards get 2.7%, so rewards cards, corporate cards, and the "vast majority" of cards out there aren't qualified for 2.7%. They are instead 3.7%. Also, when reversing a transaction, I don't get the fee reversed. Furthermore, they charge another 2.7% on top of that to get my money back (so you'll lose 5.4% on a qualified card, lose 6.4% for most cards). To my disappointment, I was ready to ditch Intuit and go to PayPal. Anyway, he gave me the extension number to the collections department because he doesn't have access to why I'm in collections. During business hours (bad), I called the collections department and talked to a CSR who barely had any patience. She said I was hit with NSF because I reversed the transactions so they were going to pull money out of GoPayment Card account that they set me up on but couldn't pull the full amount, so that's where the NSF came from. I tried to ask how that could be possible because they put the money there and they ought to be able to take out what they put in. She kept trying to convince me that I spent the money or withdrew it, so that's why there wasn't enough money in there. That was BS because I certainly didn't and just activated the card the night before calling to see if I could find anything out. I had to tell her she was misinformed because she said it wouldn't be possible to deposit money into my card account if I hadn't activated it. The activity of the card shows that money was deposited before I activated my card. After a heated discussion of whose fault it was she said she'd waive the $25 for one time so I took the deal and I'd pay off the amount I reversed. Okay, so aside from my experience, here are my thoughts. The advertising is plain deceptive. They advertise 2.7% when in fact I would rarely encounter 2.7%. I asked PayPal specifically if they charge a higher rate for rewards cards and they told me, "There are no extra fees to swipe cards that are rewards or corporate cards." About the collections thing, seriously, a low-credit-card-volume merchant who processes a return would find himself in collections all the time. Anyone who wants to test the service would find themselves in collections. If a customer ever refunds something, you're better off giving them cash back, but you're still out at least 2.7% of the transaction. The GoPayment Card that they set you up with, there's no ATM that you can use to get your money without paying the ATM fees. There's no way to transfer your money out of that card to an account where it doesn't cost money to get your money (or there may be but not obvious how). They probably won't close my account after I pay off the collection, but I'm going to close it. Goodbye, Intuit GoPayment! By the way, I told PayPal about my card reader's problems, so they sent me another one and it actually works! I'm sticking with PayPal Here for now.