Credit card systems

I am searching for a credit card processing system. Just wanted to ask the HI community for feedback on what is the least expensive offer for what we use it for. The terminology used describing it all is like trying to learn a foreign language. I think that is the plan…they don’t want you understanding this stuff. One offer has a low swipe rate but makes it’s money deceptively by charging you more on the back end and visa-versa. Empowered Point of Sale offers a special for Nachi inspectors that looks good to the laymen but a guy at my bank picked it apart.
Which one of these smoke and mirrors credit card systems do some of you seasoned vets use? I would like to know. I thank you in advance for your advise.

I use CapitalOne’s spark pay. They have 2 plans you can change from one plan to the other at anytime.

Plan 1
-$9.95/month
-1.95% for Visa, MC, Disc
-2.95% for amex
-2.95% for keyed in transactions

Plan 2
-$0 monthly fees
-2.70% for Visa, MC, Disc
-2.95% for amex
-3.70% for keyed in transactions

https://www.sparkpay.com/sellinperson/pricing

Swipe on a Monday and have it in your account by wed morning.