Another good credit card processing company is Square, which does not charge a monthly fee and takes around 3 percent of each charge. (The exact processing fee depends on how the transaction is processed, e.g., whether credit card is swiped or the number is manually entered.) Square has a referral program that awards free processing of $1,000 in payments to both the existing Square customer and anyone who signs up using the “refer a friend” link. I have consistently been pleased with how quickly funds are deposited into my accounts. Note that you should not use Square to process trust deposits.