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Opening up to different methods of payment will make your customers happier and bring you more profits. It doesn't have to take a lot of time or money to get set up with a merchant account, and once you do you'll wonder why you waited for so long. Some payment processing companies even offer free equipment and have very competitive rates that mean you'll get to keep more of your money and put it back into building your business.
Having a merchant account is part of the price of doing business in the 21st century. Do some research about the different payment processing options and move forward on accepting credit cards as soon as you can. You'll be glad you did. As a new business owner, you probably started out accepting cash and checks but not credit cards. Or if you have a business online, you might have accepted PayPal but no other payment options.