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When you swipe credit cards, it means lower fees for you. Credit card processors typically offer lower rates for swiping than keyed rates (where you manually enter credit card information).
A card reader is inexpensive and doesn't require leasing or maintenance fees like traditional terminals. It plugs directly into your USB port and is very easy to use. You can order one when you turn on your QuickBooks Payments account, or if you already have an account you can order one here.