I've got a similar deal to take credit cards... $10/month, around 2.4%, and a free terminal. It's with my local bank. Try negotiating for the terminal. Our plan has no minimum.
I called them in for several years before going to this system. Don't ever give employees your PIN though. Transactions need to be processed in the office.
The terminal is nice because it gives us feedback as to the transaction. We staple the receipt to the invoice copy. If the customer wants one, we mail it to them. We always rub the credit card to the invoice with a pen for the impression (3 carbonless copies) and get a signature. The customer gets one, the second is used to send them the receipt copy (upon request), and the cardstock back sheet is kept on file.
