One of the uses I thought of was when a waiter does not want to or cant split a bill, simply pay for it and have your friends pay you. You still need to cope with fees but whats a couple of $$ between friends? ( If you are cheap you can take the 3% off the tip for the waiter )

Its also a great use for people who do on-site IT work they can charge on the spot. Just swipe the customers card and you're done.