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I concur.. Get a merchant account.
Anything less is just plain irresponsible as a host.
I do question it being only $150, I would say budgeting $500 for it should be more in-line with the real world. Discount rates for card-not-present (but with valid AVS and CVV) range anywhere from 2.0-3.8% or so for non-risk transactions (usually depending on your volume and business and/or personal credit if you need to sign a personal guarantee).
A starting merchant w/ a low volume probably will see about 3%'ish unfortunately these days.
-Phil
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