Forum OpenACS Q&A: Re: Yahoo Store vs. OpenACS Ecommerce?
And most real merchants with real stores already have a merchant account anyway, doesn't your small bakery-ownding friend accept VISA payments already? If so, the extra cost comes from the transaction fee associated with the online payment gateway (remember, no mom-and-pop ISP is going to be allowed on the internal bank network used by VISA etc).
No, this small bakery does not currently accept credit card payments at all, and never has over their many years of operation. That's my understanding anyway.