Rock Candy Cakes ...
If you’re going to accept credit cards, build that fee into your prices. If they pay cash, BONUS, but you’re still paying fees to your bank for having a checking account. It’s just part of the cost of doing business.
Look into The Square. You can accept credit cards through your smartphone or tablet. I love it. It’s less than 3% per transaction and there’s no monthly fees and no terminal fees or phone lines AND it’s completely portable! The fee is less when you “swipe” a card rather than to key in the numbers manually but you have the option and I’m usually taking payments over the phone anyway. http://www.squareup.com
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