my wife runs a brick and mortar store and her credit card processing fee is around 4% and there is no instant settlement assurance. you can work out the rest yourself.
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and yet she takes credit cards.
I'm sure you can work out why yourself.
because she's not me :)
In her case, has she looked into Stripe point of sale since it's still only 2.9% + .30 ? I would recommend it as one of the lowest and easiest. I still accept cards that way (for clients who haven't been onboarded to BTC)
that's what she uses.