Encryption system 5. Reporting system for your accounting department In general, if your bank agrees to provide the credit line, it will take care of the other four items. But many small banks may not have experience dealing with online transactions. As a result you might need to open an Internet merchant account with a bank other than the one where you have your standard business credit account. If your regular merchant account is with a different bank, your Internet merchant account will usually act as the liaison to your standard merchant account.
Banks perceive a greater risk in online commerce.