I have my own spreadsheet that I created (a lot of work), so can't weigh in on pros/cons, but if you're looking for a way to have customers pay via credit card, I have a free Square account which allows me to take credit cards (Square makes their money from the approximately 3% they charge me). Square allows you to create a free online store and create online links. So for example, someone sends me a quilt. I don't send it back until I get payment. In the past, they had to write a check and I would wait for it to arrive, then mail the quilt back. Now I can create an online link for the correct amount (or have them fill in the amount) and I get paid much faster. I give people the option of paying via check, cash or credit card, but I add in the 3% for the credit card, and they pick what they want. Square doesn't directly tie into my spreadsheet, but it's free. Big plus in my book!