I am between a rock and a hard place with a new business venture in it's infancy stages.  Bank fees are exorbitant and it simply isn't worth me paying monthly fees so people can pay online at the time of booking a course with me so I just have a portable EFTPOS machine which still attracts a monthly fee.  Next option is Paypal whose fee per transaction is a tiny bit higher than the bank but there are no monthly charges.  With Paypal card readers on the way at a one off fee of $139, it is very tempting but I have concerns about security when the reader is only linked to my phone via bluetooth.

The best payment method for me is turning out to be cash on the day of the courses I am running which in turn has it's own issues such as carrying a wad of cash around until I can get to the bank to deposit it....and then if I deposit that many over the counter I get charged another fee anyway.

Anyway...back on track.  I don't think it is a coincidence that arguably some of the best suppliers e.g. PBR and RTBB don't have credit card or Paypal facilities.  It would only end up increasing the cost of the goods which is the point I was going to make before my little rant.