While an increasing number of customers prefer to pay via credit or debit card online these days, a large number of consumers still prefer to pay over the phone or via snail mail. Furthermore, not all customers are comfortable with providing credit card information with these types of payments and would prefer to write a check instead. For this reason, business owners who want to make it as easy as possible for customers to make their preferred forms of payment should have a merchant account that offers not only electronic credit card payment processing, but phone and mail payment processing as well.