Cant reply specifically to your post, but I don't always have a sale that would cover the $12.95 per month (for example maybe I only run one card the entire month and it's only $9 or $12, then I'll lose money). I won't know at the beginning of the month if I'll run any more to cover that cost by the end of the month but wouldn't want to turn down the sale simply because I didn't know. I was looking at getting an iphone anyway to replace my blackberry storm so the square app pushed me over the edge.