"Retailers who accept VISA or MasterCard are foolish because they do not receive the full price for merchandise they sell." Comment. Retailers do pay their banks a small percentage of revenue when a credit card is used. If retailers However, offering such a credit service can increase sales. Offering such a credit service can decrease sales. "Retailers who accept VISA or MasterCard are foolish because they do not receive the full price for merchandise they sell." Comment. Retailers do pay their banks a small percentage of revenue when a credit card is used. If retailers offer their own credit they bear the cost of running a credit department and also forfeit some revenue through bad debts. don't offer credit their sales will decrease and costs associated with sales will rise