I have done quite a bit of work as far as researching the idea of accepting credit cards starting this next year. I want to put what I have concluded down for reference and to see if anyone disagrees or has more to add. I believe that it is a much better deal to buy the credit card machine itself from a wholesaler or Ebay. Currently I'm looking at using the Nurit 2085 and a couple lease prices that I got were for $29.95/mo-$44.59/mo for 36 months. Alot of money when you compare $349 upfront to buy it outright or around $250 Ebay. Offer a $5-10 discount that is already built in to 'new customers' for using CC or Debit Card. eg. $100/mo w/CC or $110/mo check The $5-10 is really a surcharge in disguise. Include CC receipt in with end-of-month invoice and resolve any results the best you can, lol Fixed costs $10/Mo statement fees. Variable costs 2.19-2.39%+.25 per transaction for keyed in purchases, less for swipes obviously but I will not be swiping clients cards often. Only on design/Build jobs where I am around phone line and the amount is much larger and savings add up.