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Is a merchant account needed in order to process credit cards?

Yes, a merchant account is required to process live credit card transactions. A merchant account is a financial intermediary that lets your business accept and process credit card payments from customers.

Integrated Payment Gateways

Your e-commerce section includes integrations with major payment gateways and merchant account providers, among others:

  • Authorize.Net: Industry-leading payment gateway with robust security features.

  • Braintree: PayPal-owned payment platform with comprehensive features.

  • Stripe: Payment processing with API key authentication.

  • Square: Integrated payment processing with access token authentication.

  • NMI: Comprehensive payment gateway with optional customer vault support.

  • FluidPay: Advanced payment processing with username/password authentication.

  • Inovio: Payment processing with merchant account ID, site ID, and dynamic descriptor support.

  • Paysafe: Global payment technology company with processor ID support.

  • PayPal / PayPal Payflow Pro: PayPal integrations with multiple authentication options.

  • Sezzle: Buy now, pay later (BNPL) solution — does not require a traditional merchant account.

Important: For help obtaining a merchant account, contact our technical support team for integration services. Our team can help you with the merchant account application process and select the best solution for your business.