For larger jobs (e.g. landscape installs, design/build, irrigation installs, etc.) we finally stopped taking credit cards this year. I had been taking credit cards for years. But recently it's gotten to the point where everyone wanted to pay by credit card JUST to get their airline miles. It seems that rich people with big limits on their cards have figured out they can rack up a LOT of airline miles by putting everything they buy in their card each month and then making one huge payment to their card at the end of the month. I was very hesitant. Because I was afraid we'd lose business. But as it turned out, I had nothing to worry about. The first time I got to the point of signing the contract and asking for the down payment and the customer pulled out her purse and said, "You do take credit cards, right?" and I said, "Actually, no. For larger jobs, we only accept checks." I was very worried. I thought maybe she'd say, "Oh....my.....well, that's how I was going to pay. I don't know if I can do this afterall." And then I'd lose a big contract. But as it turned out, every time this question has come up, and I said no, the customer has replied with something like, "Oh. No big deal. I was just asking....just wanted to get those airline miles, ya know?" (I smile) "I have the money here in my money market account. I can just write you a check instead. Here you go...." So it turned out that taking credit cards really wasn't affecting my sales as much as I thought it was. I was under the impression that since a lot of people were paying by credit card, that's why they were using our company. But in fact, I have found that is not true. I don't think I have lost a single job by telling clients we no longer take credit cards for large projects. So just FYI, in case anyone else is experiencing this and considering dumping the credit card machine. I actually did keep ours. We still find it handy for smaller invoices we send out for repairs or small jobs. We get a lot of people calling saying, "Hi, I received your $112.00 invoice for the irrigation repair job. I'd like to pay by phone with a credit card, is that okay?" And so it works well for those kinds of things. But not taking credit cards for larger jobs hasn't hurt us at all, near as I can tell. In fact, it's helped. Because now I am not paying 2-3% for credit card fees. I finally realized it was ME who was financing their airline miles, via the fees (discount) I was paying.