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What Is Merchant Card Processing?

What Is Merchant Card Processing?

What is the first thing that comes to mind when you think about credit card processing? 

It probably has something to do with swiping your credit card at a register and making a payment, right? Or maybe gift cards and debit cards, but this still involves tapping or inserting the said card into a machine.

Yes, these are the most common forms of credit card processing, but there’s another type that people don’t really know about. 

It’s called merchant card processing and it involves accepting secure payment via smartphones or tablets. This is done through a service like PayPal or Skrill, making transactions online much easier than they were.

What Goes On With Merchant Card Processing?

Merchant card processing is the act of accepting credit cards through smartphones or tablets. 

This usually entails downloading an app like PayPal, which can be found in either Google Play for Android devices or the App Store for iOS devices. Once you’ve downloaded this app, all that’s left to do is setting up your security before you can start accepting payments.

When people hear about this type of credit card processing, they usually equate it with buying things online. This is partially true; such services are mostly used when shopping online because the user has to input their information in order to make a purchase. 

Once that’s done, you are not required to input your information again to purchase another product or service.

Moreover, it’s used for accepting payments from customers who are shopping in your store. All they have to do is scan the QR code to make their payment.

Growing Popularity Of Merchant Card Processing:

Aside from being able to accept credit cards on the go, one of the main reasons why this type of card processing is becoming popular is because it’s free. 

When people make purchases in a physical store, they have to pay a convenience fee for paying with a credit card. However, when they buy something online, they don’t have to worry about additional fees.

Additionally, merchant card processing apps also offer additional benefits. 

For instance, you can use it to send money to your friends and family– you can even link up your bank account details if you want any money sent or received straight from/to your bank account.

The same rule applies to making purchases. This type of card processing is becoming popular because you can make payments to other people using your phones or tablets, which makes it easier than ever before.

More importantly, this type of card processing offers features that credit cards can’t offer– for example, if you’re buying something on your phone and the QR code is too small to read, you can use the phone’s camera to scan it and make your purchase.

What Are Some Of The Benefits Of Merchant Card Processing?

Apart from the convenience, inexpensiveness, and security benefits of using a service like PayPal, there are several other benefits that merchants can enjoy:

  • No Chargebacks
  • Instant Settlements
  • Safer Transactions
  • Bigger Consumer Market
  • Dashboard to Track Transactions

Why Should You Get Into Merchant Card Processing?

Merchant card services are very useful because they can help you run your business effectively. Such companies offer payment buttons where customers can click and purchase items, such as subscriptions or other digital goods. There’s no need to set up a special account— your bank account will handle it just fine.

Merchant card processing services are very useful for small businesses by allowing the option to accept payments online. Since many people use their smartphones these days, it’s convenient for them to pay for important items on the web. Moreover, you can also sell products through this and directly earn profits on the go from the comfort of smartphones.

This service is very useful as mobile credit card processing helps accept payments online, a familiar method of payment with the younger generation.

How To Get Started With Merchant Card Processing?

If you want to start using this service, then the first thing that you need is an account in any one such company, for example, PayPal. 

If you don’t have one yet, then go ahead and sign up for free. Once your account’s ready, log in and click on “Accept Payments”. Here, you can create different buttons for your products.

You can create a simple one-time button or a recurring payment option. Then, you just have to place the code in the HTML section of your website’s design and that’s it! You’ll immediately be able to start accepting payments from anyone who visits your website/blog.

Additionally, you can give out your business account to your customers. You’ll then be able to receive payments either through the respective website or through their mobile apps directly.


In this day and age, it’s important for businesses to have a mobile credit card processing system. It allows companies to receive payments from customers which makes managing revenue much easier. In addition, it allows small businesses to receive payments online; it’s even better if you want to sell digital goods or your own products.

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