<rant>
With all the GREAT advice, which has been given to the OP, in the numerous threads he has made, I am just about to give up, even looking at his threads.
Everything, is going round in circles here, from having the solitary '4' clients, which means, he NEEDS a card reader. Just because they 'may' want to pay by card. FFS, am I reading all this correctly?. Just tell them, its either cash or cheque only. You don't deal with cards. Easy enough, christ, I did that for 7 years!. It's only last year, I decided I needed a card terminal, and merchant account.
To working from his parents basement, where one minute, clients will be down there, to not accepting them down there, to his father going with him on call outs, I mean WTF!?.
Never mind, the fact that clients may be coming to your premises, and down your slippery steps into the basement. What about insurance, should they slip and fall?. To me, that is more of a priority than looking for a merchant account, and paying out $600ish for a card terminal.
It seems to me, as if this guy, has simply made his mind up, and no matter what advice will be given to him, as long as it agrees with his thinking, of week one in business. He knows everything there is to know. If you don't agree, then your in the wrong, and he will do everything to make you believe his way is right.
Well good luck my friend, i'm outta here, and your threads. I will not be giving you any future advice concerning business issues here.
</rant>