Whether you work as an in-home massage therapist, operate a taco truck, or run some other small business, you're missing sales if you can't process credit cards. In the past, you were pretty much tied to a land-bound credit card terminal. However, there are mobile alternatives. A number of mobile payment tools now let you accept credit cards on an iPhone, an Android handset, a Windows Phone, or a dumber handset. You just need to sign up, attach credit card reader hardware, and navigate the fees.
Most of these tools require a merchant account. Banks regard credit card transactions similar to the way they do loans: Since they're afraid that you'll run up a bunch of sales with fraudulent cards, pocket the money, and book a flight to Bermuda before they catch on, they're stingy about granting access. You'll have to pass a credit check to earn a bank's trust and a merchant account.