Freelance photographers usually get paid by cheque and occasionally by cash. Some photographers, including myself, also accept credit card payments through PayPal via the photographer’s web site.

PayPal just announced its new PayPal Here system that will allow a business to accept credit card payments using a smart phone. This is similar to the up-and-running, two-year-old Square system.

There are differences between PayPal Here and Square but there’s only one difference that matters to Canadian photographers. PayPal Here will be available in Canada and Square is not.

Square says that it’s looking into expanding outside the USA but it’s been saying that for two years. Perhaps the competition from PayPal will force Square to get moving.

[Update October 24, 2012: Square just announced that it’s available in Canada.]

Apparently, the Square system is/was capable of being used for credit card fraud. By contrast, the PayPal Here card reader is encrypted.

Accepting credit card payments on location could be a big help for professional photographers. Some business customers and government clients can pay on-the-spot with a corporate credit card. But not being able to accept credit cards on location often means a photographer has to wait weeks or months to get paid by cheque.

[Update March 18, 2013: PayPal Here is still not available in Canada.]