If you’ve ever paid for something at an Apple store, you’ve noticed that you don’t have to go up to a cash register. You can hand a credit card to an employee and he’ll complete the transaction with his iPhone. The same thing is available to small business owners through an add-on called “Square,” which has become popular with New York cab drivers. Now PayPal is coming out with something similar.

The new PayPal Here is a free card reader and app that fits onto your smartphone. With it, you’ll be able to take credit cards, checks and even cash. (And if you left the reader at home, you can take a picture of the credit card and use the app to accept it.)

PayPal Here charges users 2.7 percent per transaction — a little less than Square’s 2.75 percent. Sign up to get notified when it’s available at

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