By Dan Weil Apple reportedly is working on a service that will allow small businesses to take payments directly on their iPhones without any additional hardware. The news came from Bloomberg, which cited knowledgeable sources. They said Apple may make the new capability available with a software update in coming months Small business people will be able to take payments by customers tapping their credit cards. If a small business wants to take payment on an iPhone now, it must attach a payment device or communicate to the phone through Bluetooth. The new service makes the phone itself a paymen…