i owned a store for many years and although I initially didn't want the cc facilities, I ended up having to take them simply because the majority use cc to purchase goods. The rate from the bank was initially 6%, but after a few years came down to 4%. when it came to paying, people often asked me for discounts, so I just offered them 5% for cash which was more or less what I would've paid the bank out anyway. i think having the machine was the best thing ever for me, payments guaranteed, no large cash amounts on hand (which always stressed me out!), banking so much easier, machines always updated regularly and/or sorted quickly when not working properly. one thing that always struck me though, is how nonchalant people are with their credit card and details. many cards got left by me, i phone the client to let them know, and they only come in 2 or 3 days later only! or they happily phone in and give me all the details I need over the phone, or scribble them down on a piece of paper and fax it through. lucky for them i only had 2 very trustworthy staff. if i go into a store now and get told i have to pay a "handling" fee, i explain nicely why i'm going to their opposition simple as that - vote with your wallet.
