Top Three Reasons To Not Get A Merchant Account
Reason number one is that you should consider whether you need one. Are your customers requesting it? Will it increase your sales? Only get an account if you can answer yes to the above questions. Remember that once you start taking credit cards customer who would have paid with cash or even check will use their credit cards. This means that you will be charged fees where you weren't charged ones before.
The second reason to not get a merchant account is that you will be forced to sign a long commitment. If you decide it is not for you, you will have to pay a fee to get out of the contract.
The last reason to consider is the extra paperwork that you will have to deal with. You have to keep up with more receipts and it will complicate your banking more. This may not be a huge problem but if you really do not need to accept cards it is an unnecessary burden to take on.
Some business' will definitely benefit from taking credit card. Just make sure that you consider whether yours is one of those business' before you commit to a merchant account. Way all of the pros and cons before you decide for sure. best of luck in whatever you decide.
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