A merchant account is a specialized type of bank account that enables businesses to accept and process credit card payments from customers. It acts as an intermediary between the business, the customer's credit card issuer, and the payment processor. he process of credit card payment involves several key players:

Merchant: The business that sells products or services and wishes to accept credit card payments.

Customer: The individual making a purchase and using a credit card for payment.

Issuer: The bank or financial institution that issued the customer's credit card.

Acquirer: Also known as the merchant bank or acquiring bank, this financial institution processes credit card transactions on behalf of the merchant.