Anyone who has an online business where customers have the ability to place orders through a website is going to need credit card merchant account services. People who buy things online have grown to expect being able to pay for a product that they order on the internet with a credit card via the website.
If you are going to give customers such an option, you will need to open a merchant account. Chances are that there will be some sort of fee associated with any online merchant account that you start. There may be a fee per transaction, or you might be able to find an account that has a flat monthly charge. This might be a large cost each month, but if you have a massive number of sales on your website, you may find that it is a cheaper alternative to a per transaction fee. You should compare the advantages for each type of account.