Creative business

So my husband and I started a side business a couple of months ago called Captured Memories. We do not have too much extra time right now to get into heavy marketing. We pretty much create them for family and friends and get new clients by word of mouth. We have been accepting cash or checks but I know it is a good idea to look into a merchant account. Merchant fees can be pretty high so I can't really set it up right now but it is worth looking into for the future when I feel I can handle more sales. Paypal is also a cheaper option to accept credit cards through.