There are monthly access fees as well as per transaction fees. In a period of very low volume, it is not economically feasible to keep paying the monthly fees in order to accept the occasional swipe. During the Winter months, volume is very small at this region's bicycle shops. For your convenience, Green Light Bicycles will accept Visa and Mastercard for most purchases during the months of reasonable sales volume. A personal check will be accepted if the name and address are printed on the check of the person writing the check. Cash is always accepted; using cash at small businesses helps that small business in a much more measurable way than big businesses. So - use your card for big businesses, and for small businesses, use cash. The fees of 2-3% are a direct tithe to the "One percenters" and borne entirely on the merchant making the sale. DISCOVER cards have the highest fees and use of a DISCOVER card at this location will incur an extra 2% charge. DISCOVER has more 'consumer rewards' because this company rips off the merchant more.