Merchant Services

Merchant services is the name given in the United States to a broad category of financial services intended for use by businesses. In its most specific use, it usually refers to the service that enables a business to accept a transaction payment by use of the customer's credit or debit card. More generally, the term includes the following in its use:

§                     Credit and debit cards payment processing

§                     Check guarantee and check conversion services

§                     Automated Clearing House check drafting services

§                     Gift and loyalty card programs

§                     Payment gateway

§                     Email Marketing

§                     Direct Mail Marketing

§                     Merchant Cash Advances

§                     Online Ordering Systems

§                     Point of Sales Systems

Other services include age verification (used by age-restricted businesses), employee payroll tracking functions, electronic benefits transfer programs such as food stamps.

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