I Refused to Accept Credit Cards—and Slowed Down My Cashflow

In this episode of No Se Habla Taxes, I’m coming clean about a hill I used to die on: refusing to accept credit card payments from clients. Yep, I said no to the easiest way to get paid—because I didn’t want to eat the 2.9% fee.

I told myself I was protecting my margins. I was wrong.

Here’s the truth: every time I resisted credit card payments, I made it harder for clients to pay me. And that friction? It cost me in ways I didn’t expect—slower cashflow, delayed invoices, and lost time.

Tune in for:

💳 My full confession and what finally changed my mind
🔄 The cashflow lesson I learned while paying my own vendor
📈 How to build credit card fees into your pricing (without eating the cost)
🧾 Options for passing down fees or setting minimums
📊 Tools that make it easy (like QuickBooks Online and Stripe)

If you’ve been dodging credit card fees like they’re financial quicksand, this one’s for you. Spoiler: the real risk is slowing your money down to avoid a minor fee.

🎧 Don’t forget to subscribe, and send this episode to a fellow founder who still only takes checks (bless their heart).

💌 Want more real talk about DIY bookkeeping? I’ve got a newsletter and a bookkeeping bootcamp launching soon. Stay tuned!

Let's connect!

LI: https://www.linkedin.com/in/armstrongmelissacpa/

Website: https://steadyhandaccounting.com/

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