Not to sound like a prick, but that is the cost of sales (returns and cc fees). You need to build that into your model. If you didn't accept credit cards, I bet a dollar to a donut your sales would dip. What percentage of your sales is $100 or more? Nobody carries that kind of cash on them these days, and when I do, use it for parking, fast food, etc. I'd set the CC minimum at $25 at a hockey shop.