Apple offers developers a wealth of resources and tools to help them make great apps, plus a robust ecosystem and marketplace which provide customers a safe and easy way to discover them.

ENGADGET: Apple: App Store just hit 40 billion total downloads, half of those in 2012

Plus MTV has selected the best music apps to stream, download, identify, search and discover all your favorite music.

ENGADGET: Samsung Transform Ultra hitting Boost Mobile in October, we go hands-on

The application, which can be downloaded for free, charges vendors a credit card processing fee of 1.8 percent plus 15 cents per transaction, assuming you're swiping plastic from MasterCard, Visa or Discover.

ENGADGET

The company recently announced its first affinity card in partnership with wetlands and waterfowl conservation group, Ducks Unlimited, (See New Alliance Between Ducks Unlimited And Discover Financial) which is responsible for marketing its branded card services to the group?s 600, 000 plus adult members.

FORBES: Discover Financial Is Charged Up For A Lending Recovery

Discover is offering these loans at a fixed interest rate of 6.8% with no fees and has Federal PLUS loans at 8.25%.

FORBES: Intelligetn Investing Panel