Payment Processors
There's room for negotiation here; don't settle for the percent that they quote you. Shop around a bit as well.
Helcim - Single monthly fee but may be able to find lower rates elsewhere
Clover - Flat rate pricing but small businesses may be able to find lower rates elsewhere
PayPal - It has flat-rate pricing and no contract, so you only pay for the processing services you use, and you can close your account at any time without paying a penalty.
Global Payments - Partners with the American Medical Association to offer discounts to medical practitioners.
Get a check clear machine from the bank