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Several websites offer services where a company can accept credit card payments for free. The Site Wizard is one site that will guide one on how to accept credit card payments on their website.
To accept credit cards on your mobile app, you would need two things: 1. You would need an SDK to be able to accept the swipe and/or manually keyed in information about the credit/debit card. 2. You would then need a payment processor to work with, or more commonly referred to as a PSP (Payment Service Provider) who would provide you with the ability to accept and process credit/debit card payments. Examples of such PSPs are PayPal, Braintree, Balanced Payments, Stripe, etc.
An eCommerce merchant account is a payment gateway for businesses doing transactions online, primarily using credit cards. The merchant account with the credit card company, such as Visa, is what allows the business to accept credit card payments online and have them processed.
A merchants account credit card is a special type of credit card that is issued from a merchant acquiring bank. These credit cards allow a vendor or business to accept payments from customers using a credit card.
In order for one's business to accept credit card payments, one needs to open up a merchant account. A merchant account can be setup either with a bank, PayPal, or an independent sales organization.