A lot of people that have small businesses online have those businesses strictly to generate some extra income. They are not designed to reach a point where they will generate big money. And as such the owners don’t feel they need to accept credit cards — that their businesses aren’t big enough. But nothing could be further from the truth. People who shop on the Internet don’t care about the wishes of the business owner — they just care about their own wants and needs. And when they want to pay by credit card they expect to find merchant services. So don’t disappoint them.