Bonnie Carson has owned and managed her gift and card shop in the Central Shopping Mall for three years. She has a merchant account with her local bank to process payment card charges at her shop in the mall. Business at the mall store had been good, but Bonnie wanted to expand without paying higher rent for more floor space at the mall. A year ago, she opened an online store using a commerce service provider. Part of the monthly fee that the CSP charges covers the software needed to accept credit cards online. The CSP handles the payment processing, but the charges are much higher than those her bank charges to process the transactions for her shop in the mall. 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 or Checkout by Amazon as an additional option. Identify at least three reasons Bonnie should use such a service and at least three reasons she should not. Prepare a report for Bonnie of about 200 words summarizing your findings.