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Originally Posted by HuggyBear
Card Payments - High Risk Industry so they charge more 
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Been involved in high risk industries myself and paid no more for credit card transactions than any other business?!
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I have asked suppliers about credit accounts but they asked for trade references of suppliers I have credit accounts already with, or a copy of my accounts
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Fully aware of how the system works, which is why I feel it is worth your while speaking to them, there can be more flexibility than apparent from a trade application form.
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I am not required to have MOQ's with suppliers as I pay them a monthly fee to abolish this - With returns - I just have to hope that a customer doesn't want to return a non-faulty product - I don't know if my shipping and returns info is legal or not
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Blond moment - what is an MOQ?
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"Dispatch
- All orders for items that are in stock are dispatched within 14 working days. All deliveries are made from the United Kingdom. Delivery to UK Mainland is £9.95 for items weighing upto 20KG. £1.95 will be added per Kilogram thereafter. For offshore/remote regions delivery costs and delivery times may be extra - Please contact us for details.
Returns
- In case you are not happy with your purchase, please return the item within 14 days, along with the original invoice. We will credit your account, or exchange the item for another selection.
- In case of returns shipping and handling charges are not refundable. The goods must be complete, undamaged and unsoiled and if possible with the original packaging and labels intact.
- If any of these conditions are not met and the product is found to be in working order, the management reserve the right to charge a 45% re-stocking fee. - This does not affect your statutory rights"
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If by 'credit your account' you mean keeping the payment on account then no, you would need to offer them a full refund. You can not charge a restocking fee in B2C!