We use VISA only which is linked to our account. Your bank should be able to set you up with a terminal - the more transactions you have or the larger dollar volume - the less of a percentage you pay to use. We were just setup a month ago with a terminal on site - very simple to use - skips the whole authorization waiting period. The transaction is approved on the spot (or declined) and the funds deposited to our account immediately. No wait period. Have you checked with merchant services at your bank?