We set up our credit cards through our bank. They charge us about 2 1/2% with a $25 a month minimum. We double our credit card sales every year. 95%+ of ours is done over the phone & we didn't have to buy a machine. They did give me one of the manual imprinters that I use in the field about 5-10 times a year. People seem to like having the option. Only about 1 in 5 LCOs around here accept them so it's just one more thing to set me apart.