What is your effective credit card processing rate? 2008 survey

COMMENTS FOR THIS ARTICLE: Please type in 3 quick answers:
What is your effective credit card processing rate? Add up your costs: use only your Visa and MasterCard fees, plus equipment and statement fees. Divide by your net sales. move the decimal over 2 spots. That’s your effective rate.
example costs= $1500 + $10 + $0 + $1500 + $0 + $0= $3100
example net sales = $100,000.
$3100/$100,000= 3.1%
Who is your processor? What is the name at the top of your merchant statement?
Do you swipe cards, not swipe cards or both?