Has anyone looked into cc processing for a real business? 2.75% is a lot to pay off the top. Anyone do better?
Yes, I have a merchant account.
I would highly recommend Banquest.
http://www.banquestpayment.com/How much are you swiping? if it is a few thousands a month, you are still best off with square.
For a lot of transaction Square will be cheaper even if you are processing $100k a month.
Only difference is, Square is very low risk tolerant, and if you process more than what they are comfortable for you to process they will shut you down.
Additionally if you need online processing, Square does not give API for virtual terminals.