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