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It can be very attractive to find a shopping cart/merchant account online sales solution that doesn't charge anything up front or monthly, and only takes a percentage of your sales. But is it worth it in the end? It depends on how many sales you make. Remember that these providers take a larger percentage of your sales -- 5 to 7.5 percent. If you have a lot of sales or very expensive items, this is going to add up fast. On the other hand, it may be worth it to merchants who don't have a lot of start-up costs. The choice is yours.