One thing I like about Square from an independent merchant standpoint is that I can mark that an item's price should be considered to include all relevant taxes & fees. This allows for listing prices in round increments. This is more helpful for cash transactions because most people only cary bills so I mostly only have bills to hand back as change. It is easier for me to deal in whole dollar or at least quarter increments so I never have to worry about pennies, nickels or dimes. For cards, I can charge arbitrary amounts and it doesn't affect me or the customer at all. Granted, you have to do a little math up front for each item to ensure you're getting the right profit per sale, but it's negligible to the amount saved by not having to count change.