While some merchants prefer to accept credit cards from Visa and Mastercard, since the rates are lower, being able to take American Express and Discover can be the difference between a sale and the customer going elseware. This is usually do to the customer wanting to earn miles on their awards program (something American Express became famous for). We often tell our merchant accounts that the extra fees are usually very worth them accepting credit cards from all the major sources. However, if opt to only accept Visa and mastercard, we will be happy to set you up with just those two and keep the option for your credit card merchant account to accept American Express and Discover at a later date. Our credit card processing rates are the lowest, but we also never compromise on service. With VIP Merchant Account, you really can have your cake and eat it too!