By having merchant account capabilities, you attract and encourage customers who would rather do business using “plastics” than cash. And, if the ATM and Debit News EFT Data Book is to be believed, more and more people are using their credit cards to purchase products and services. According to the study conducted, in 2007 alone, about 27.2 million credit card transactions will be made. Can you imagine how much business you would lose if you had to turn away every customer who wants to use a credit card?