outrageous fees. 2.5% and 10 cents for swipe, 3.5% and 15 cents for manual charge. 1.5% just to get an instant transfer to your account. on $600, i was charged a total of $30 altogether for manual charge and instant transfer. its convenient but you have to charge customers up just to get your rate. cash is king and you always pay more for convenience. never forget that.