Just speaking from experience about the credit card...

I just started taking them in my store a few months ago. They literally hit me between 2.8% and 3.5% on all transactions whether debit, credit, visa, mc, discover or amex. I could do what most do and raise all my prices and make even more profit when customers pay cash. I choose to simply add 3% when I accept cc to keep prices down for everyone and only those choosing to pay the fee get hit with it. I thought it was more fair for the customer this way rather than screwing everyone with a 3% price increase. I know cash/check cusomters aren't upset.

I'm not saying that's what Matt & Gina do but it is possible.

/got my first CZ-52 from Matt in the barn