Merchant Account for Small Business

Merchant account is something that allows you to accept, refund, and transfer payment. Many top credit card processing companies in United States requires you to get a merchant account before accepting credit card.
To qualify for a merchant account, it is needed to open a U.S. business checking account. That means, you will have to set up a company with a valid address in the country. Although it is not a bad idea to register a U.S. company, for most small business, it costs long time and maybe a big money to do so.