Credit card conundrum – to accept or not to accept?

A colleague of mine posed the question, “what are some alternative options in regards to processing credit card payments?  Most of my patients pay with credit cards and I’m trying to minimize costs.”

I can absolutely empathize.  In fact, I was asking the same question a little over a year ago.  As a former Licensed Massage Therapist (LMT) with a private practice based out of a home studio, my clients didn’t expect me to be set up to accept credit cards and they were happy to pay by cash or check.

And I enjoyed the the simplicity and reduced overhead of not having to deal with Visa or Mastercard.  No contracts, no reports, no percentages, no hidden fees, no terminals, no chargebacks, no nothing.  It was lovely.  But…

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