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A special account provided by a bank that is a member of the Visa-MasterCard association. Once the merchant has his merchant account set up, he can accept credit card information from customers.
You will need a merchant account to accept credit card orders on the net. Many existing businesses will already have a merchant account from an established banking relationship.
What are merchant accounts
An arrangement with a commercial bank or cared issuer that permits a business to accept credit card payments and deposit those payments, less charges, to its bank account.