If you’re a small business owner, you likely take credit cards and debit cards as payment. Plastic is convenient for most consumers, but it has drawbacks to business owners. Credit cards and debit cards come with fees ranging from 2% to 4%. Though this may not seem like a problem for small-ticket items, it can easily add up before you know it. The problem is even more costly if you sell big-ticket items or collect sizable bill payments like rent