You might think it's a simple process to start accepting credit cards for your e-store. All you need to do is sign up for a merchant account with your local bank and the money starts pouring in. In no time at all, you can be relaxing on a Caribbean beach, sipping piña coladas worry-free, right? I hate to spoil your dreams, but accepting online credit card payments is quite challenging. Whether it's the transaction fees surrounding special cash-back credit cards or complying with a myriad of global sales tax laws, a lot of time and energy goes into setting up a full-featured shopping cart for your customers.