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Small businesses have a tough time as it is with covering their merchant fees ...
Many businesses have a minimum not because credit cards are a hassle to process or anything, but rather because many processors charge a flat fee of around $0.50 or so for each transaction *in addition* to the percentage of the transaction. Small businesses have little to no leverage when negotiating with a credit card processor unlike big businesses, such as Wal-Mart, Target, etc.
It's the flat-rate part that can really hurt margins and thus many businesses, in particular small ones, requiring a minimum purchase of around $10 to $20.
Ron
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Domagon - Website Management and Domain Name Sales
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