Personally, I believe you should never make it difficult for your customer to pay...paying by credit is a great way for them to spend money they don't actually have in the bank. Yes, there are many fees, and it does add up, but (at least for my business,) accepting credit is half our business. It's also a great way to make sure your artists aren't pocketing cash. :) I think it really comes down to convenience for the customer. If I went shopping (anywhere, for anything) and they didn't accept cards, I would never go there again to avoid the hassle.