Bonnie Carson has owned and managed her gift and card shop in the Central District Shopping area for three years in her hometown. She has a merchant account with her local bank to process payment card charges at her shop. Business at her store has been good, but Bonnie wants to expand without paying higher rent for more floor space at her current location. Thus, she opened an online store using a commerce service provider. Part of the monthly fee that the commerce service provider charges cover the software needed to accept credit cards online. The commerce service provider handles the payment processing, but the charges are much higher than those of her bank charges to process the transactions at her local shop. Bonnie's online business is beginning to pick up and she wants to provide more payment options to her customers and is considering a payment processing service such as PayPal(Links to an external site.) or Checkout by Amazon(Links to an external site.) or ZynlePay(Links to an external site.) as an additional option.

Identify at least one reason Bonnie should use such a service and at least one reason she should not.