Fraud prevention software minimizes the number of chargebacks your company receives. This software could reduce your discount fee. Net Over 93,000 merchants use Authorize. Net for processing ecommerce payments over the Internet. Check processing is also supported.
Most sites are very successful and increase their sales tremendously by accepting credit cards.
I would say that the only sites that have problems with merchant accounts are porno sites and gambling sites. Other businesses that might be unsuccessful with merchant accounts are home-based businesses or small businesses without a store front. They can still obtain merchant accounts, but they are considered more risky and require higher fees. PayPal has 4 million users, many from Ebay. After transaction, funds hit the PayPal accounts daily.