<human>: Provide a brief overview of the text.

I want to start a small business with a few friends. I'm going to try and visit the Small Business Development Center (which I learned about on Reddit a few minutes ago! :D) and the Chamber of Commerce and such... But I was wondering if anyone on reddit has some advice for me? I'm not sure how merchant accounts or third part companies that let me accept online credit card payments work at all. It's all quite confusing and I need to find a way to take credit cards without ending up with a huge start-up cost (since we are all VERY poor college students). Any advice?
<bot>: I'm poor, I want to start a business. How do I do it and how do I accept credit cards online?