Mobile payments are finally taking off right now. But it is not mobile wallets for consumers with NFC-chipped mobile phones leading the way. It is payment apps for small merchants like those made by Square and Intuit's GoPayment . Tonight at an Intuit showcase in New York City, I got a sneak peak at several new Intuit products still in development, including an upcoming GoPayment tablet app that aims to replace the cash register for small businesses, Intuit 401k, and an iPad Check-in app for doctor's offices. The GoPayment app will work on both the iPad and Android tablets In addition to taking credit card payments with a swiper that plugs into the headphone jack, it also lets merchants set up a cash register with their own products and prices. They can even take pictures of the products with their iPad 2 and the picture is placed on a virtual button to make it easy for any employee to ring up the items. Square, of course, has its own iPad app which has been available for almost a year. Add a cash drawer, and these systems can readily replace a register that can cost thousands of dollars. All a merchant needs is an iPad and the software. Intuit and Square still make a tiny fraction off each transaction, but they get rid of much of the equipment, and all the maintenance, costs associated with typical credit card readers you find in most stores.