...cards before ? we have a small business and want to start excepting credit cards as payment but don't know where to start ?? do I call the bank or visa or master card ??

I would do some research online to see if you can find an online way.

Self-regulatory organizations must expend the resources necessary to vigorously enforce their own rules and to detect and prevent misconduct by their member firms." David P. Bergers, Regional Director of the Commission's Boston Regional Office, added, "This settlement will strengthen the Boston Stock Exchange's regulatory functions and enhance investor protection.