Bringing your store online means you have to be ready to respond to the online market's demands, one of which is acceptance of credit card payments. Remember that most people who shop online mainly because they prefer the convenience of not having to leave home or the office just to get some things. If you're reject their cards, that's not going to be a very good move. It would be as if you were rejecting their capacity to pay, so if you want to thrive in the highly competitive Internet market, you have to offer an e-commerce functionality on your website.
Of course, there is no rule that bans you from going online without accepting credit cards. It is your discretion as the business owner, but in a practical sense, you would always want to put yourself in your customers' shoes. Think of why they would probably rather buy online than through traditional means. Most probably, there are reasons and whatever these reasons are, it is your responsibility to listen if you want to survive doing business on the web.
If you don't mind the fact that most online shoppers will prefer online payments, then they probably won't mind what you've got to offer them even if they were actually pleased with your goods or services. Think of how much sales you would have closed in a day if you had allowed people to enter their credit card numbers and complete their purchases without having to come down to your store. Probably, that would be a huge amount because if those people viewed your website enough to have wanted to make a purchase, they probably would have wanted to pay through the website as well.
In other words, getting a merchant account is a must if you want to thrive as an online businessman. Merely thinking of the process of getting such an account might be taxing by itself, but it actually isn't that complicated an issue. In fact, there are Internet merchant account providers who can approve applications in an instant once all requirements have been submitted and validated. Some may take longer, perhaps days or months on the average. However, waiting for a merchant account application to be approved is nothing compared to what might be a lifetime of enjoying more sales than if you never accepted plastics for payment.
People these days are busier than ever and the convenience that the Internet has brought upon consumers is unmatched. As an online businessman, you wouldn't want to be the unfavored exception, so it's always important to adapt to changing tides if only to please your customers. After all, they are the lifeblood of your business and they surely deserve every little form of convenience you can offer.
Along with a merchants account, you would also need to hire payment gateway services which will mainly handle the security aspect of online purchases that will be made on your site. When you have these two helping to achieve your business goals, you can only wonder took you so long to have them.
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