re: Using Square to pay off non-CC accepting debts, earning rewards, etc.

It is a bit high although if you have a small business their fixed monthly rate is far more reasonable IMO. Or if you are a business that does lots of small dollar transactions, b/c the fee is a fixed percentage with no minimum.

I use it for getting payments from people on my soccer team, can't beat the ease of use and I'd rather pay the fee than wait another week for someone to give me a check.