A merchant account is an agreement between a merchant (you) and an acquiring bank. They allow your business to accept and process electronic payments.
We do have a more detailed page on this question, so read our merchant account ultimate guide.
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Without a merchant account, you won’t be able to take or process electronic payments. With cash on the decline in favour of electronic payments any modern business with the ambitions of being successful will need this ability.
Technically, yes, but not in the traditional sense.
Think of it more as a holding pen for the money that sits there when a payment is made and all of the checks are made before the money is sent to your bank account.
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