Any business that wants to accept and process credit and debit card payments from their customers can apply for a merchant account. However, the eligibility criteria and approval process vary among merchant account providers and can depend on factors such as business type, industry, credit history, and financial stability. Some high-risk industries may face more stringent requirements, while others may have limited access to merchant accounts. It's best to research various merchant account providers to find one that meets your business's needs and eligibility requirements.