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Comment by NEPatriot | Hacker News Reader

I'm with you and see this as the solution to this mess as well. Give me a high % no monthly and lower my risk, once I've gotten some business and scale we can do the monthly thing.

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Unfortunately, the credit card companies seem to disagree :( Or at least that's the response my brick and mortar payment gateway has given me in the past for something like this :(

To get a decent rate for our salon, we had to project ridiculous revenue and pray that we came close to it to even get a reasonable rate.

You should checkout squareup.com/features - I don't work for them. No monthly fees. 2.75% + $.15 if card is present. Though I think they are in beta and people in the forums were complaining about not getting the hardware last I looked about a week ago. It's for brick and mortar operations.

I'm definitely familiar with Square. I actually 'pitched' them to alot of people at a recent flea market that I attended.

We're paying 1.9% right now on card present w/ a $100 monthly fee and doing $45k revenue per month at our salon. So it's working for us at the moment.

I'm definitely interested in Square and as they mature, we'll go through the whole 'credit check' etc process.

Would you be interested in testing out FaceCash (if you're in CA, NY or MA)?

Feel free to shoot me an intro e-mail. I visited your site and we would definitely try out something at our salon just to see how it goes :) Probably more like a pilot program but who knows! bradley@getmochi.com

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