A merchant account allows you to accept credit cards from your store and get paid directly into your checking account. If you want to accept your customers’ debit and credit cards, you need to have a merchant account. If you don't have a merchant account, 您可以使用默认支付提供者之一, 包括PayPal Braintree和Square. Many of our customers also accept PayPal Express Checkout giving their customers the choice to pay using a standard credit card or their personal credentials in PayPal.