Not sure why no one is mentioning you can pass these fees onto the customer, depending on the state. Most allow convince fees to be added, 3% per charge is what they’ll be getting and customers gladly pay…. Not to mention this actually will make everything easier for them. They are older not dumb… just need more YouTube videos or hand holding, but they aren’t incapable just cause of their age…
Non compete agreements are Bologna but you could have a section where employees agree to pay for potential or current clients lost to them and or their new endeavour or anything like that? Not exactly sure your situation cause I didn’t dig too much but wish you the best of luck