It’s a very intense process beginning a business. By the time you figure out how to get the capital, the space, the products, the staff and the necessary paperwork for all of these, banking may feel like a quick afterthought. Suggestion: set up a merchant account before you get too close to the starting date.
Why? Because it’s not something you want to just do as though you are going through a drive-in fast food restaurant. There are a lot of companies, and there are wide differences between charges, levels of service, and security. It will be worth your time to do a bit of research online and then talk with representatives from several providers. The money you save may be your own!