A FeeFighters user recently asked this question:

” I run a quarterly business and only take in credit card payments a few times a year over the phone. As a result, I’m looking for a processor who does not charge monthly fees. What do you recommend?”

Our answer:

“We could potentially set up a zero monthly charge contract with a processor but that would really increase the discount rate you’d receive, making it not beneficial for you. The reason that processors are usually unable to waive monthly charges for seasonal businesses is that you pay for their infrastructure with the monthly fee, and they have to keep that up even when your business is in the off season.

Another option is using Paypal and emailing them the invoices. However, depending on your volume this may also not be the most cost effective choice. The lowest monthly fee in the FeeFighters marketplace is just $8/month so in this case, it might be more cost effective to just pay a low monthly fee to avoid higher rates.”