A merchantA business selling goods or services either in person (retailer) or remotely (website or mail order/telephone order) often accepting payment cards as a form of payment. More is an individual or a business that sells goods or services to customers. Merchants are able to accept payments through multiple means, including cash, credit/debit cards, digital wallets and online paymentThe transfer of value from one end party to another. More gateways. A retailer, or any other person, firm, or corporation that agrees to accept credit cards, debitA charge to a customer’s deposit account. More cards, or both.