Hi Ian
When you take a payment you have four options available :
1 Use your smartphone
2 Use the virtual terminal section of their website
3 Phone payatrader and give the custy's card details
4 The custy calls payatrader quoting your account number and the amount...
I use the virtual terminal to take booking payments, and my smartphone on site...
As long as you allow for a 3% charge this is all you will pay, in my eyes its the most convenient way to take card payments.
You can also build up a list of customers with every transaction which is really handy, as long as you take all the details including email etc...
I have Izettle as well, but until they sort out the visa payment problem i wont be using it...