Yes, in my two businesses I run, automotive and racing related, credit cards is a must, especially AMEX. But I only sell some crap on eBay once in a while, and it's not worth converting my account to merchant account.
Right now I'm accepting google, because they offer no fees until the end of year. Fees ad up, not a big deal if you sell a lot, but a big deal if you don't sell a lot.