I'm a new business owner and would like to see how everyone handles billing and accepting payments. Do you use the old-fashioned way of printing an invoice, sending it through snail-mail and then receiving a check in the mail for payment? Or do you use a software program(s) to handle everything? If so, what do you use? Also, for processing Visa/Masterdcard, am I really going to have to pay anywhere from 1.85%-3% for every transaction?! Thanks in advance!