We have switched to requiring credit cards from everyone. for mowing accounts we charge every week. For design install we give the option of 50% deposit by check but final payment is to be made via credit card.
We do not charge a surcharge for payment.
You need to decide if you want to wait sometimes 2-3 months after you mow a property to get paid or pay 2% for money the next week.
we have a steady inflow of cash every week. we can plan purchases as well as know we will get paid on time, every time. when people need to send you a heck some do it right away while others wait to do it, then they will forget to send you a check.