Your Minimum Viable Product is Processing Credit Cards
I almost never use credit cards. In the Netherlands they've got iDEAL http://ideal.nl/?s=&lang=eng-GB (online payment through your own bank). Why use Cedit Cards at all?Then again, I hate living on credit as do most of my countrymen. I am amazed people would lend to buy a new car. If you can't afford it buy a cheaper model or one that's got more miles (or years) on it.