There are many people who started business online with the express purpose of starting small and staying small. They may have found they had a hobby that could make them some extra money. Or they came up with a business plan to generate extra income for a specific reason — a vacation, a 401K plan or a new car. Whatever the case they assumed because their business was small, and would stay small, that they didn’t need to worry about adding credit card processing. But the average e-shopper doesn’t care if they are shopping on Amazon or AmazonianHamsters — they want to use their credit card and they do not want to be refused.