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Does iPhone credit card reader works with iOS 3.5?

I really like the iPhone credit card reader as it surely helps one to make things and his work a lot easier. I also have an iPhone and I was wondering to get a credit card reader for my iPhone too. But as I searched for its download I read somewhere that this IPhone credit card reader works only with IOS 4.2 or later. I am really disappointed after reading this as my iPhone works on iOS 3.5. But even then I want to know is there a way that I can download this app in my iPhone. I mean I really need this app to be with me. Is there any chance that I can download this app?

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