I am in the merchant services business.  Need to be able to have my clients sign a document.

with a stylus or their finger.  Is there an app that does this?

Adobe Reader Touch for Windows 8 does not support it yet.
Adobe Reader for iOS/Android supports Freehand drawing and Signatures as part of the Commenting tools.
Since you are in the merchant services business, I assume that you are looking for electronic signatures that are secure and legally enforceable.  Adobe EchoSign offers the service.
Adobe EchoSign Plans and Features
Once you subscribe to the service, you can use Adobe EchoSign for iOS on an iPad and have your clients sign PDF documents.  Sorry, no Adobe Reader products on Windows support signatures using a stylus or finger.
You may be able to find some other non-Adobe apps in the Windows Store.  But I am not aware of any others.

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