There are many ways to accept credit cards for your products.
Seems like I saw something about a free phone app to take credit cards recently.
I have the Square device for my phone but haven't used it yet. I also applied for the PayPal one but haven't gotten it yet.
Like Jeff, the small fee is just part of my product price.
It the cost of making a sale....It less than 3%.....Most people don't carry large amount of money on them...I for it...