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Some merchants refuse to adopt American Express because the cost is way too high. The question you will want to ask on your own is if you mind paying off the higher transaction costs acquire a sale or mind losing the sale to minimize the higher transaction charges. If the former is more important to you, accept American Express.

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The second main reason is deficiencies in merchant processing education. Merchants are trained by the banks to reply to low numbers. The problem is that several 440 Visa/MasterCard/Discover rates along with the banks are merely showing the lowest transaction rates.

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