<html><head></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; -webkit-line-break: after-white-space; "><div>Quoting a base rate for a credit card transaction is only a part, and incomplete part of the picture.</div><div>My base rate is 1.8%, but my monthly effective cost ratio varies between 3.3% to over 5%.  This has to do with additional charges, fees and add-ons. </div><div><br></div><div>What I was actually hoping for was for someone to say: "I use ACME Systems" and last month my total fees were $50.- on $2000.- of sales charged to credit cards. (That would represent an effective cost of 2.5%)  Even with the Square, have users checked their statements and done the actual math? You could be surprised, because the actual transacting  is contracted out to a third party.....</div><div><br></div><br><div> <span class="Apple-style-span" style="border-collapse: separate; color: rgb(0, 0, 0); font-family: Verdana; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: 2; text-align: -webkit-auto; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-border-horizontal-spacing: 0px; -webkit-border-vertical-spacing: 0px; -webkit-text-decorations-in-effect: none; -webkit-text-size-adjust: auto; -webkit-text-stroke-width: 0px; font-size: medium; ">Jurgen Goering<br>Piano Forte  <br>(250) 754-2440<br><br><a href="http://www.pianofortesupply.com">www.pianofortesupply.com</a><br><br><br><br><br><br></span> </div> <br></body></html>