[DarylZero]

Every hole in the wall restaurant and convenience store somehow manages to do it... are they so much better at all that??

[thayne]

I think they usually use some sort of point of sale device and service to handle credit cards. That is pretty analogous to using a payment processing service.

[shapefrog]

That is a payment processing service.

[patmorgan23]

They pay a bank for merchant services. They don't become their own payment services.