Thanks for the replies and tips so far. I think I will only use a card reader for credit cards, If they have a debit card and want to use that they must have the money in the bank, so I will ask for a bank transfer. As I said I lost a sale today as they wanted to pay the full amount on a credit card. I asked if they were going to transfer the amount onto a card that offered 0% interest. They looked at me blankly, I did think good luck paying the interest on that!!