sun818 - 12:21 am on Jan 18, 2012 (gmt 0)
How do you avoid credit card processing fees? Its not something you can really avoid since the infrastructure is in place. If your actual processing rate is 2% this is very good. When you add some transaction fees and other fees a payment processor charges, the percentage is actually higher for many processors.
The cost depends a lot on what type of cards you accept, the dollar amount, transaction volume, and what kind of deal you can get with a payment processor. Most of the payment processors I've run across are dishonest and sharks, so you have to be extremely careful.
The alternative would be to utilize payment networks like Dwolla, PayPal, or even gift certificate/cards to siphon payment dollars away from the major four.
There may be some programming involved with your shopping cart to talk with new payment vendors, but the one time fee can usually be made up in time as you save money.