If you work from home, most banks simply won't allow you to have a merchant account. The very few banks that will allow you to do so require 3 prior years of tax records, personal interviews, photos of your home and a detailed business plan. You'll get your account swiftly, inexpensively and with none of the irritants I mentioned earlier. E-Commerce will take your application right over the phone and you'll be accepting major credit cards within 5 to 7 business days.
Many distributors do accept credit cards.
It is an absolute necessity in today's business climate to make it as convenient as possible for your clients to purchase your services. Having a merchant account will add convenience and credibility with your clients. This deal WILL help your business.