#39 Ha! Try running a business on that theory. First lean month, then what, you file Chapter 7? Don't pay employees?
When I first opened a solo practice office about 15 years ago, I thought sure, I better take fantastic plastic. Man, what a scam! They charge you each month, apparently based on your estimate of transactions each month (even if that is pure speculation...and they won't tell you what estimates raise or lower that monthly payment). You have to pay that each month, whether you take any plastic to pay for services, too.
They charge the merchant a percentage, charge the customer interest. If any of the rest of us tried that crap, we'd be sent to jail.
I quit taking plastic years ago because of it. Too much hassle and cost. That is a lot easier route if you're not involved in multiple transactions in the $50-500 range over the internet, however.