You guys need to step smartly into the technical age. My gosh.
A laptop, hooked to the net wirelessly, via a data card in the PMCIAA slot, to your web site, to your paypal account, boom ditty bang, your done.
Dow I did good just logging on.
I guess once again not knowing all that *%$## you mentioned is why I pay monthly dollars out for my ignorance.
"The Bitterness of poor quality remains long after the sweetness of low price is forgotten"
I use what the banks call touch tone processing. No monthly fees, no equipment to lease or buy, no monthly minimums. I only pay the merchant fee for actual transactions. It was set up for seasonal businesses. You have to swipe the card with a little machine with the carbon receipts. It cost me like $15. You then call an 800 number follow the steps and the transaction is complete. Have them sign the sales slip, give them a copy, and you get a copy. Touch tone processing is only for small merchants. If you accept credit cards 100 times a day they will make you buy the machine that hooks to a phone line. I have had it for about three years and it works great for me. I probably process about 15 transactions per month.
We started accepting credit cards about a year ago. I did this kicking and screaming but it has worked out well. One of our vendors referred us to the following company:
US Netcom Data Corp
They have a web site (www.usnetcomdata.com) and toll free # 800-825-1391. I called that number and they sent out a local rep who installed the swipe machine for us. In my opinion, the fees aren't very high....1.78% - 2.95% depending on swiped or not swiped.
I must admit that the ability to accept credit cards has greatly reduced our uncollectables. You are not allowed to charge customers more for a credit card, however as some suggested above, you may increase your overall rates and then give a cash discount.
Oh, and we just accept MC and Visa with no problems. I found that the others (Amex and Discover) were just too much of a hassle to deal with.
Hope that helps :-)