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One way to avoid fees is to open two accounts. On one account, don't upgrade to a business account (you can't accept credit card payments) an they charge you no fees. On the other, upgrade to the business account for people who need to use a cc and add 3% to their price so they cover the fees. You will just have to find out how they are paying (account balance, e-check, instant transfer, or cc) and give them the corresponding email address.
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