While credit card processing is optional, we very highly recommend it. Customers expect it, it's convenient, and it may be the difference between them using your solution (Munch) and ordering through a more expensive alternative.
When you are setting up an account, you will be given an opportunity to create an account with Stripe. They are a great solution processing billions annually. They accept all credit cards at one highly competitive rate, 2.9% + 30 cents.
All card transactions (debit or credit) will be processed in accordance with your standard processing schedule of 2 business days.
Of note: Credit card transactions are batched at 12am UTC (or 8pm EST). What does this mean? Your daily payments in your bank account may not match exactly what is in your Munch account. Anything ordered after 8pm EST will reflect in the next day's transfers.