Here in Florida, we can't charge more to accept a credit card. Regardless, I know that some people just flat won't retain me unless they can do it with a credit card. If you're paying 4%, that's BS, no way you should be paying 4%. I accept credit cards, have zero monthly expense for it and pay about 2.7%. I guess you are in the enviable position that people will use your service regardless of how they pay. For me, if I didn't accept credit cards, a lot of people would just go somewhere else.