[ITD]

Sorry you folks saying 2% isn't a big deal, run a business first and see what it all about before you make a statement like this. That 2% comes right off the top, right out of the profit. I have no idea what Sam's margins are like, but the restaurant is in a competitive area with several others nearby which has to figure into the prices he charges, charge too much and people move on.

Let's say at the end of the year Sam makes a 10% profit on his business using his cash model. If he converts to credit card payment and his customers all start charging their meals his 10% profit now becomes 8%, a 20% loss in income.

Also, 2% is a number that high volume users get for their service, I doubt VK does that level of business, Sam might end up paying 3 or 4 percent, which is a potential 30 to 40 percent loss in revenue if my 10% number is correct. There are also monthly fees usually imposed for CC service, such as a user fee and equipment rental fees, all that comes right off the top and eat into profit.

On top of that, I recently found out that tips given via CC have 39% taken off the top as payroll deductions for taxes here in Mass. (probably less in NH due to no state income tax, but maybe not, I don't know.) Now most of the servers I know are no where near in that income bracket, so they must wait until tax time to get the rest of their income returned to them from the IRS.

Bring some cash with you, it's not a big deal and well worth it for the value you get when you eat there.

You're in NH now, don't Mass. it up. :>) ( I love that saying.)