The late Corey Rudl, former President and founder of the Internet Marketing Center, said that you should offer as many payment systems as possible to your customers, including personal cheques, banker's drafts and even cash if necessary.
That provides everybody, irrespective of their credit rating or their banking status, the opportunity to purchase your product if they want it.
Offer an online order form to email to you if they cannot pay online, so that you can then forward their purchase once payment has cleared.
Delivery of the product does not have to be immediate if a customer does not have an immediate means of making payment.
We do not all have credit cards and we do not all trust internet security, and would rather send a check.
Make it possible for us to so.
That is the crux of internet marketing.
Do not make assumptions about people's financial status or belief in internet security systems, and make it possible for them to pay by whatever means they are able to or prefer to.
Offer PayPal (whether you like it or not), credit cards, debit cards, direct internet bank transfer, bankers checks, personal checks, banker's drafts and cash.
Cash is easy if the right postal method has been used, and you can trust those opening the envelopes.
There are many internet payment systems to offer on your website, so check them all out, and offer as many as you feel that you are able to, in order to increase your chances of making that important sale.