I've never used it for my daycare, but my son uses it for his lawncare/landscaping business.
Using this, he can get payment right up front and the only paperwork he has to do is send an 'paid' invoice and record the payment. The 3% fee is worth it to him to not have to bill, wait for payment, then collect non-payments.
He has a card reader that attaches to his iPhone and he can swipe it right on the phone. It's pretty slick, actually
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