For a $30 charge .90 fee isn't that bad.
But most of my residential customers pay at the end of the month.
On a $200 bill 3.7% comes out to $7.40 fees.
Take beacon payments fee of 2.08% plus $0.10 for credit cards and 0.55% plus $0.25 on a debit card the fees go waaaaay down.
Especially if the customer pays with a debit card. It'd be $1.35 on a debit card.
Professionals are people who can do their job when they don't feel like it.
Amateurs are people that can't do their job even when they do feel like it.