When we opened our Pizza Shop in NYC we were focusing mostly on carry out and delivery. Now we are 70 percent delivery thanks to merchant services. We are able to take credit cards on the phone and soon all of our delivery personnel will be able to take cards as well with the wireless hand held terminals that Merchant Industry can provide. It was a problem in the beginning when customers would call and we could not take a card on the phone. It meant that the delivery person would need to carry more cash which was a security issue. Customers did not always have cash on them and would have to order elsewhere. Today we never lose an order over a credit card purchase.