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Taking credit cards makes your internet store appear professional and inspires confidence. It also means you can collect money from international customers as easily as those in your home town. For your small business merchant accounts to work with your internet store, you will need a "card not present" merchant account, which offers extra security to make sure you can collect your money. You want to make it as easy as possible for people to buy from you, quickly and easily. If the process is too complicated or if people think they'll wait too long by mailing you a check, you will have lost the sale. You will most likely make up for the transaction fees by making more sales, as your online merchant account lets you quickly process your customers credit cards and fulfill the order rapidly.