I have one - not for day care but another reason. I love it.

Really simple to use. And it's not just for Apple products now. It now works on Android too.

When you sign up for one, you give Cube your bank details so they know where the money is being deposited. It has a GUI front end so you literally plug the gadget in, sign into your account, swipe the card, enter the amount and hand your phone/tablet/whatever to the client who confirms by signature right on the screen. Easy. Money is deposited in real time just like a transfer would be.

RBC also have one now - which is solely Apple but they have plans for Android too. Same fees.