Advantages and Disadvantages:  Phone-In credit card to get an approval code.

Great for Merchants that only do a few sales a month. Takes 2 mins from start to finish.

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Disadvantages:
Over 3.50% plus Trans fee(s) from 50 cents to $1.00

   The High Cost: $36 For every $1000.00 in sales...that's
  NOT including other merchant service charges.
 
  TOO MANY STEPS:  Need to dial number...then enter your transaction code...then enter your 12-16 digit Merchant ID number....then enter 16 digit credit card number....then enter expiration date....finally the dollar amount of sale.

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