There are those who do festivals without taking credit cards. But if you are selling high ticket items, you will need to accept them. You will need a Merchant account. To get one you will need a bank account, and your bank may require it to be a business account or at least a dba, and a good personal credit history. I'd recommend taking Mastercard/Visa to begin; you can add American Express and Discover later. Each will have their own fees, and rules. Avoid as many fees as possible; such as minimum sales, statement, annual, access, approval, batch, etc. They all add up and can kill you. Figure your total costs, not just the discount rate; which should be as low as you can get; about 2.5% or below. Never lease the equipment, always buy it. Good used machines are available. Don't sign a long term contract, good month by month service is out there. Make the wrong decision and it could cost you more than you'll make. Use a bank or service with an agent you trust and can reach when you need help. Your local bank may have the best deal, but probably won't. You can use any service in the country, so shop around until you find a good fit for your needs and wallet.