Just came across a new mobile payment platform called
card.io.
Works surprisingly well. Fees are a bit higher then square (3.5% + 30¢ per charge) and they hold the funds for 7 days but the cool thing is that you don't need any extra hardware, just the camera

Also don't remember is square does credit checks or pulls but card.io is as simple as creating a login id and entering bank account details...
Couldn't find anything with search...