The food and beverage industry has probably the highest volume of credit card usage. Food isn’t cheap, but it’s not just the food when it comes to convenience. Many customers don’t have enough money to tip the server, so they rely on their credit card. This is good for not just the restaurant, but also the server because it is a well known fact that the customer will spend more on food and tip. They may not have the cash for a appetizer, dessert or tip, but they do have the credit. Also, if a customer comes in and you do not accept credit cards it may be the last time you see that customer.