It's important for small businesses to remember that when it comes to credit card processing, the discount rate may not be the most important factor. Depending on how much you actually process, it may ultimately be the fees, i.e. various monthly and miscellaneous fees could cost you more than another company with slightly higher discount rates but feature lower fees and don't nickel and dime you to death. always ask for a comparison to your current provider before you make the switch. If you have never accepted card before, read through this blog carefully before you get started.