I use square. Flat percentage no matter the card. can take it with me anywhere, app on my phone and a swipey thing. had a "merchant account" when I took over here, the fees varied from card to card. discover were the highest, along with some rewards cards(ie-cabelas, etc). they were 6% eeeek. we averaged over 5% per month. I think square is a flat 3% on all cards.
3% why not just use paypal?