If you still don’t process credit card payments, it might be time reconsider that decision. With more and more customers using their plastic to pay for bills, book flights or pay for online purchases, it makes sense to start offering credit card payment options.

First step: Look for a merchant account provider

You’ll need to consider a few factors before you choose a company that provides merchant account services in Miami. Start with the fees. Understand the pricing differences for volume, dollar value and credit card types. You’ll also want to do the math and include setup fees right along with the monthly fees to your total costs, The Entrepreneur suggests.

Second step: Consider the cash flow

Processors follow different systems. If it takes your processor too long to get the money to your bank account, you might want to make the switch to a new processor. Look for ones that offer you immediate access to your funds. That makes it easier to manage your proceeds instead of stressing out and waiting too long for the payment to come in.

Third step: Do your homework

There is no single rule to choosing a provider of merchant account services in Miami. That’s why it pays to dig into the background of the company and do a bit of research.

Fourth step: Read reviews

Know as much as you can about the company. Do this before you pick one that’s going to help you offer credit card payment options to your customers. One way to get a better read on the company and how it works is by reading reviews. Reviews are handy and help you figure out which processors are bad and which ones are worth a second look.

Expand your payment options. Start by checking out credit card processors.