I use Paypal at my website too. ย If a client wants to use a credit card, they just go to my website prior to their scheduled appt. and pay for the service and I record that and put receipt in their file.No equipment and it's great for gift certificate sales. ย It's a 2.9% charge plus 30 cents per transaction. ย Cheaper than running a 2nd phone line for a card swiper, no paper to buy, etc.