I could not locate a credit card processing company that would “work with me” to the terms I thought were fair. I wasn’t looking for a free ride but to charge me anywhere from 3 – 5 percent on my transactions was (I though) ridiculous since I would only have 2 – 3 very large transactions per month.

The requirement was from a major client, one that I invoice monthly. My invoices are large, 40K – 75K and to pay that type of percentage on one invoice a month I thought completely unfair since I had no other reason to accept credit card payment.

So, I ended up negotiating with the client and we now happily have our banks transferring the payments into my account using EFT at no charge to me or my client. And, I still don’t have the capability to process credit cards.