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Merchant accounts are what allow you to accept credit card payments. You'll also need a payment gateway to process the transaction. Sometimes an ebusiness solution will include a merchant account and/or a payment gateway with their service and other times you'll need to sign up for these separately. You may pay a charge for each transaction or a minimum fee rather than a percentage if your items are low-cost. Setting up a merchant account on your own may come with a large monthly service fee. This could be worthwhile if your income is high enough, but if you don't expect high sales in the beginning you may want to avoid signing up for a merchant account on your own and find an ebusiness solution that handles that for you.