Counter sales
Morning customers buy small items fast. Tap-to-pay at the counter and pricing with a low fixed fee per transaction matter most. Debit should be passed through at its lower cost rather than charged like credit.
Custom cakes and deposits
Wedding and celebration cakes are ordered weeks ahead with deposits. Take deposits with a written policy on cancellations and changes, and keep the signed order. That paperwork decides chargebacks.
Wholesale to cafes and restaurants
Bakeries that supply other businesses should invoice and offer ACH. When wholesale customers pay by card, business cards cost more; Level 2 data can help on eligible cards.
Holiday pre-orders online
Online pre-orders spread holiday demand but bring card-not-present costs and fraud. Use a gateway with address verification and require pickup ID for large orders.