I've been accepting cc for 10 years. most of my cc transactions are for lawn sprinker repair and services, however, I do regularly have people pay their installations with cc because of miles and free gifts. my rate is about 2.65% with a .25 cents per transaction fee. But I get my money in 24 hours, no bounced checks, no chasing money. On a $3,000 install, it costs me less than $100.00. I can live with that to get my money. Just my 2 cents. Don't do American express, their fees are outrageous. good luck

As a consumer i would say that it is worth it for you to take credit cards.

I have used them almost exclusively since I had a whole lot of trouble with a carpet installer I had in my house several years ago. It was a nightmare experience that i won't go into but ultimately i was able to reverse the charge on my CC until the job was done to my satisfaction. Prior to doing so I could not get him to answer my calls after he left the job 3/4 done. One he was out $1100 he was at my house 2 days later.