The deciding factor depends on the percentage and amount of sales you accept face-to-face. If this is less than a few thousand dollars a month, opening a separate merchant account specifically for face-to-face payments usually doesn't make sense.
On the other hand, if you process more than ~$5,000 per month face-to-face, opening a separate merchant account specifically for these payments makes sense. The main reason is that you will save money on each transaction when you swipe/insert the cards into a credit card terminal since these transactions carry lower risk and, equally, a lower rate.
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