In order to make it convenient for all of my clients, I use Venmo, Cashapp and Square.  While Cashapp is owned by Square, if you are willing to wait 2 business days for funds to become available, there is no service charge.  With Square there is a charge, but if you have a diverse client population then you know that there is no one system that will make all of your clients happy.  I only accept checks from long-standing (5-7 years) clients.  As for people who complain about the transaction fee associated with Square, I prefer 97.25% of the money while making it convenient for my clients.  Otherwise, I can have 100% of zero dollars for being a bullhead.