Credit Cards
If you are paying upfront for 10 or so lessons (cheaper) it is worth ensuring that they do not charge a credit card surcharge.
As a business owner who happily lets everyone pay by credit card (including AMEX) with no surcharge, I believe those that charge for paying by credit crad (and hence get legal protection on fees paid in advance) should be avoided as money grabbing shysters.
After all, if they charge you just for paying, what else are they going to charge you for? Parking?