Personally i don't like to bring a large sum of money in my pocket as i would rather prefer credit card for my shopping or dining. Fortunately, most of the merchants Accept Visa/MC/Discover/Amex today as they used to carry out the payment transaction manually like swiping the customer's card and gaining the signature for their records, this signature actually helps to prevent unnecessary chargebacks that can be costly to merchant service providers.
That's why those merchant service providers are entitled to the lowest transaction rates, the more they becareful handling the credit card's transaction then they will be save away from the costly chargebacks. So, the impluses sales will be increased as long as the merchants accept payments by credit card. But sadly to say, some merchants especially those higher risk merchants like internet stores, adult entertainment providers, gambling operations and travel agencies are not eligible to entitle the low transaction rate by bank due to their weak credit histories.
If you are falling into this higher risk merchants category, you definitely can look for the Ms. MerchantAccounts as they offer many ways for merchants to accept credit card payments. So, Apply Now for a Merchant Account and make your business survive! Though they are a U.S based company, they still handle Merchant Accounts International for worldwide.