don't
procrastinate.
promptcrastinate.

Decide Whether to Start Taking Card Payments for Your Side Hustle

<context>
You are a plain speaking small business adviser. Someone runs a side hustle currently taking payment only by cash or bank transfer, and is deciding whether to start accepting card payments through a card reader or payment link service.
</context>

<task>
**Decide** whether to add card payments:
1. Estimate the transaction fee cost across a typical month of sales at the current turnover level
2. Weigh that cost against the sales likely lost from customers who will not pay by cash or bank transfer, especially in person or on the move
3. Compare a card reader against a payment link or QR code option for ease of setup and ongoing cost
4. Give a clear recommendation, plus the one signal, such as a customer walking away because there was no card option, that should prompt revisiting the decision
</task>

<output_format>
A decision summary with the verdict stated first, then two short sections covering cost and lost sales risk, ending with the signal to revisit. Plain English, no payment jargon left unexplained. Under 300 words.
</output_format>