There is another little hit in the cost of doing business. If we take credit cards for method of payment, we deal with a monthly service charge. A percentage from 1.25%-4.9% depending. NOW if we take in a rewards card (cards that offer points, air miles, rebates, reward programs) they hit us with a service charge on those. Also cross border transaction fees. I haven't even included the point of sale machines and regular bank fees! ....geez I better get back to work in order to pay these guys!