I had been using the Quickbooks Merchant Account Services up until last month when I was sent the message that my version (Quickbooks Pro 2000) of Quickbooks was going to be "retired" and that to continue to be able to process credit cards online I would need to upgrade. Rather than spending money on something I didn't really need I took a good look at the cost involved with this Wells Fargo merchant account.
For the amount of business that wanted to pay with a charge card at my shop the monthly service fee of $14.95 was steep, and when someone would use a card it bugged me to have to loose a percentage of that to Wells Fargo Bank, on top of it all.
It was a good experiment, but the whole thing was awkward for me. My internet connection at the shop was slow, and I didn't have a seperate phone line. This meant that after spending about an hour with someone design a frame job, it took what seemed to be FOREVER for my connection to connect, just so they could pay. I'd have to make little jokes about not wanting to take their money, ha-ha.
My shop is very small potatoes, so I can't give you any idea of what how Quickbooks Merchant Services would work for a larger volume frame shop. All I know is that I am back to cash or check, no Earthlink, no Callwave, and I feel great about it all.