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I know that if you don't take VISA online you're gonna be fucking your business, I think that's probably just the same in reality.
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I would disagree with this. In 'reality' Safeway, McDonalds, Taco Bell, Ace Hardware, Costco, etc would not be out of business if they did not accept Visa.
Your site, Joe Smiths Amateur page, etc would go under without credit card business, for all intents and purposes.
Your site, Joe's site, etc does not allow the customer to physically enter therefore, limiting your form(s) of payment. Safeway etc does not share that problem.