Hi  Linda

   I use both, but paypal mostly for purchasing.. it is pretty universally available at sites online, and offers some purchase protection when the "goods and services" option is chosen.  This results in a small fee to the seller, not the buyer.

If you are the buyer using paypal , you have this option sending money, buying goods and services.  Sending money to friends does not incur fees. The choice belongs to the sender/buyer.

You can also send invoices via email with paypal.   I do not know about any remote functionality for for accepting charges.

I use Square (Up)  primarily for sales.  The remote functions work very well,  but will also need to rely on your phone signal for iPhone/smart phone   or iPad  at the Farmer's Market out in an airfield somewhere. 
I am just amazed that this can be done at all... !

You can accept credit cards, including Amex and Discover (in case you were wondering)  ,  and for the customer it functions as just a normal card transactions.  Receipts are offered and sent via email to customer. The Customer doesn't have the added layer of buyer protection offered with a paypal transaction, but protection from their card companies are ample.

There are 3 ways to accept payment with Square..  the chip reader, the swiper, and direct number entry.   The chip reader offers protection for card fraud. You can still use the other methods, but in the way out chance of card fraud...   you will lose that money from that transaction if you use a chip card in a swiper. This comes from the card companies, and so, naturally, is part of square's processing Requirements...    With the advent of new, more secure chips on cards, the Card companies set a date like a year ago or so , after which they would  not to protect Card Fraud from swiped transactions on chip cards.

As for the swipe readers, the original ones were fitted with audio plug access to your phone, which is non existent in the newer phones . Then they came out with one that connects with the lightning charger of you iPhone .  I do not know if any swipe mechanisms ever existed  for iPads, as I am new to them. 

But the chip reader is the way to go, which works with all phones and iPad via bluetooth.  Mostly for fraud protection. But keep the swiper and number entry in your back pocket for just in cases.  Successful field sales will depend on  (and I have had some incidents to learn this) The charge on your phone or iPad. The cell phone signal signal strength to those devices.  The charge on your chip reader.  The bluetooth connection between the reader and the device. And ,lastly updated software... 

But this is all manageable just stay on top of charging everything , and being in a strong cell signal area...     In the very rare chance that you might accept a sale with no cell signal, to enter as soon as you get within range of one...   ask to shoot a photo of the customers card, front and back, and drivers license ...   you can enter that charge after the fact with a direct number entry. You won't have a signature,  but if you pack along and old school swiping machine with carbon copy receipts , you can capture a signature.. ( I am not sure of the amount of protection this would offer when not dealing directly with a bank, but it should)

There is an acceptable fee for transactions, much less than dealing directly with banks and CC companies, and it is a little more for a swipe than a chip read, I believe, and maybe a little more for a number entry.  Another reason to do all possible to rely on the chip reader...

In the end,  all very reasonable route to be able to accommodate customers in what most times is an impulse buy,  and sell your goods or services.

Heres what the Square swipe readers look like and the base model chip reader.. (there are fancier models , some that print receipts.

a bit of info from Square about the chip reader....   of course the "audio plug" swiper  is likely not applicable, as I assume you have an iPhone, you would need the one for lighting charger connection. A contactless + chip reader would allow you to accept charges from not only inserted chip cards, but a "touch charge" from a customers phone such as Applepay , etc. 

What is the difference between the chip card reader and the contactless + chip reader?

Great Question. Here are the key differences:

Square chip card reader

Square contactless and chip reader


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