I am sure a similar thread has popped up in the past but I am having a hard time deciding. I have been in business for 15 years and we have 4 crews 2 people each crew we do Irrigation installation and service and mowing with some light additional maintenance stuff. Currently we do a 3% discount for prepay but we do not have cash flow problems I am thinking about taking away the prepay and replacing it with credit card processing. I don't want to pay the fees but I also don't want to be the only "old school" service provider that my customers have to right a check to. I have written some of my customers and most say they don't care if I accept credit cards and will do whatever. Any thoughts?