If you run a business where that has you going out to or meeting your clients, then here’s a relatively inexpensive way to collect payment immediately via credit card and your iPhone. PAYware Mobile (from Verifone) is a combination hardware and iPhone app that lets you swipe credit cards.
The hardware sleeve attaches to your iPhone 3G/3GS and lets you swipe credit cards at the side, just like you would at a store. The app itself lets the buyer sign their name (stylus included), and transmit the payment information with end-to-end encryption.
Of course, as with any other system that lets you accept credit cards, you do need a merchant account. PAYware itself is free with a 2-year agreement, and a $49 activation fee. Merchant account fees are additional and separate.
PS> Hardware and apps are planned for other platforms (such as Blackberry, Android and Windows Mobile.
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We use the Payware Mobile and it's amazing. It's very secure, the rates are way better than Costco, free to sign up and the funds are available in one business day. We got it at iphonemerchants.com / 103.html