If you run a business, you generally have to accept credit cards, unless you are selling Crack. As a Registered Defense Contractor, I have to accept Government Credit Cards, and as such, I have a "Merchant Account" with Transfirst/ePaysecure.
I don't do a lot of credit card transactions - perhaps one a month, if that. However, since some clients pay by credit card only, I need to have this capability. At the present time, I pay $27 a month to Transfirst for the privilege of having a merchant account. And of course, they nick me for a coupe of percentage points for each transaction. For a $5000 Patent Application, this can be $125, which is a lot of money. For a $2500 maintenance fee, which is just money passed through my hands, this could be $75, which is a big chunk of what I charge to pay the fee.
Checks are still the best and free form of payment, although they seem to spend an awful long time in the mail, at least according to my clients.
PayPal is another payment option, and I use it. But it also takes a percentage, and some folks get weird about "using those online payment systems" and refuse to use it. ("I don't want to sign up for some sort of service!" they say).
But PayPal also offers merchant accounts - for businesses. This can augment your existing PayPal account, but it does require a monthly fee, and of course a credit card percentage fee:
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