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Why You Must Accept Credit Cards Online No merchant should ever be heard saying “I don’t accept credit cards,” unless off course you are living in the Stone Age! Certain small business owners often make the mistake of not accepting credit cards due to reasons best known to them but the truth is we live in a society where almost everyone is a credit card holder. If you plan on doing e-commerce you must accept credit cards online. If you own an online store or business, most customers will want to pay for their goods using credit cards and not through any other means such as, money orders or checks. The Benefits of Virtual Terminal In simple English, virtual terminal is the hassle free way of collecting credit card and virtual check payments that are made by telephone, mail or online. It is very suitable for small businesses and for businesses that are just taking off. This application is perhaps the best way merchants who manually enter credit card transactions for mail order/telephone order transactions.