For many years, merchants have struggled to find a clear-cut way to manage and offset the fees associated with accepting credit cards. These fees seem to be in a never-ending state of change and can easily amount to thousands of dollars per month. Since their inception, the prevailing policies of the card brands (which include Visa®, MasterCard®, AMEX® and Discover®) was that the merchant was to bear the costs of credit card acceptance and that any additional fee charged to a