reading the reviews I dont know whichbone to get. Seems like this payanywhere puts a hold on a lot of peoples funds. And the $2000 in free transactions seems to be only valid the first 30 days according to reviews but cant verify on their website.And it would take a while for you to pass that $2,000 free threshold, so you wouldn't have any expense for quite a while. I have heard really good things about the square reader and hadn't heard about the Lowes option.