Corduroy Frog, online credit card vendors such as Square have no monthly processor fee though there may be an upfront charge for the swipe device. I no longer use the swipe device. In my practice if a client wishes to pay by credit or debit card I go into my online square account, issue them an invoice which is emailed to them. The client may remit payment by clicking on a link to enter their credit or debit card details or ACH details for direct debit from their checking account. In doing so the fees are 2.96% for credit/debit or 1% for ACH. Yes, it is an extra step for me, but facilitates payment. I see vendors these days adding a credit card fee; I do not , or it is not separately stated since my fees for tax returns generally increase a bit every year. Oh, for direct deposit of refunds I require a voided check.