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Don't the cc companies base swipe fees on volume? Small business pay more, so I understand why some of them charge that fee to the customer. We had a service person at our home this week, and I asked if he preferred check or card. He said check. We always try to use cash when we patronize small local businesses because they get to keep all the money. I send checks to charities because many of the online donation sites charge upwards of 5% for cards, money the charities can put to better use than Visa or Mastercard. That said, although our tax office is a small business we saved a fortune in time and expenses when we began accepting credit and debit cards. Prior to that, many clients "forgot" their checkbooks so we billed them, often multiple times. Our office manager used to spend a good half day a month printing and folding bills, stuffing envelopes, standing in line at the post office. The card fees were worth it. CT gas stations got around the no surcharge rule by offering cash discounts.

I have never accepted credit cards and I have never had a complaint. They will either write a check or go and get the cash. As a result, the cash gets recorded as income and goes in the safe. That, in turn, is our spending money for the year so that we don't have to pay credit card fees. (A penny saved is a penny earned)

Thanks, Judy I was at that page. It was user error, I input something wrong. It is all good now.