My pick this month is Square. Square is a free App for an iPhone, iPad or an Android device that allows you to accept credit cards. They will supply you with a free credit card reader if you sign up.  There is no contract, no commitments and a simple pricing of 2.75% per swipe.  This goes up to 3.5 % + .15¢ if you enter the card number manually.  You can accept any US-issued Visa, MasterCard, American Express, and Discover and your money will be deposited to your bank account daily.

For a small business this app is all full of win as long as the bulk of the business is not internet- or phone-based.

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