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Merchant accounts typically charge a discount rate, a percentage of the selling price. That's how they make their money. Remember to price your goods accordingly, as you will only be collecting the sale price less the discount rate. You want to shop around and find an internet merchant account with the lowest discount rate, so each sale will cost you less money. An online merchant account has a higher risk of fraudulent credit card use so will typically charge a higher discount rate to cover their risk.