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Step 1 - Obtaining a Merchant Account

You must obtain a merchant account in order to process credit cards. A merchant account is needed whether you accept credit cards directly on-line or open a store on the corner and take credit cards directly.  For practical purposes, a merchant account is simply a "special" banking account where the credit cards are turned into money and deposited into your bank.  It's like like a normal credit card running in reverse.

If you don't have a merchant account, let one of our merchant account partners help you get started.

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