I am an extremely small account and have a merchant account with Authorize.net. Most of my customers pay by check so I even have some months where I have zero card transactions.

There is a small monthly fee and the processing fee is variable depending on the card. Plain debit/check card under 2%, compared to an airline rewards card that’s more like 4%…

I’m not even eligible for a Stripe account because a large part of my business could be called computer repair and that is explicitly disallowed.