there's no point in using a card reader when they can just click a paypal button and type in their cc info or log into their paypal account. The transactions are, at most frequent, once a week.
what are the two different rates?
What you're describing is in theory possible, though you'd pay the "card not present" rate (3.5% + $.15 in the US) because you're using an unencrypted crappo swiper.
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via Egeo 16