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While the company says that current business owners can get in touch by phone after receiving a merchant call-in code, many businesses still report difficulty getting in touch.

Pay Pal Here, on the other hand, has all of the support channels you would expect for a company offering credit card processing services.

The basic free reader from both companies only accepts magnetic strip credit and debit cards.

Both companies now support i Phone, i Pad and Android, but the edge goes to Square for supporting older operating systems.

Square and Pay Pal Here both supply mobile card readers and apps.

The mobile readers for both Square and Here plug in to the headphone jack of an electronic device.

Pay Pal Here boasts the immediate availability of funds, and while this is faster than Square's next day funding, Here doesn't deposit funds directly into a user's checking account.

Instead, Here makes funds immediately available in a user's Pay Pal account where they can access for purchases or withdraw via an ATM using a Pay Pal debit card.

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Square deposits funds directly into a user's checking account the next day.

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