If you’re an online merchant that has not added credit card services because the process seems too complicated, take heart. Just about every merchant services company has at least one page on their Web site explaining the terms of the business, and how the transactions work. Spend just a few minutes on one of these pages and the notion of being able to accept cards will be a lot less mysterious. And once you are hip to how the process works, you’ll be able to make a better decision on a processing provider so you can accept credit cards.