{"id":76240,"date":"2025-08-26T15:50:30","date_gmt":"2025-08-26T14:50:30","guid":{"rendered":"https:\/\/invoicefly.com\/?page_id=76240"},"modified":"2025-08-26T16:39:54","modified_gmt":"2025-08-26T15:39:54","slug":"cuenta-mercantil","status":"publish","type":"page","link":"https:\/\/invoicefly.com\/es\/glossary\/merchant-account\/","title":{"rendered":"Cuenta de comerciante"},"content":{"rendered":"\t\t
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  1. <\/i> <\/span>Home<\/a><\/li><\/ol><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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    Merchant Account<\/h1><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t
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    A merchant account<\/strong> is a type of business bank account that allows companies to accept and process electronic payments, including credit cards, debit cards, and digital wallets<\/strong>. Unlike a traditional checking account, a merchant account temporarily holds customer funds until they are transferred to the business’s bank account after processing and settlement.<\/p>\n

    How merchant accounts work<\/h2>\n

    When a customer pays with a card, the transaction goes through a payment processor<\/strong> (e.g., Stripe, Square, or PayPal), which communicates with the card network (Visa, Mastercard, American Express) and the issuing bank. The merchant account then receives the funds, deducts any processing fees, and forwards the remaining balance to the merchant’s linked business bank account.<\/p>\n

    Key steps include:<\/p>\n

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    1. Customer presents card or digital wallet for payment.<\/li>\n
    2. Transaction is authorized by the card issuer.<\/li>\n
    3. Funds are deposited into the merchant account (minus fees).<\/li>\n
    4. Funds are transferred to the business’s operating account within 1\u20133 days.<\/li>\n<\/ol>\n

      Examples of merchant accounts<\/h2>\n

      Merchant accounts are offered by banks and payment providers. Examples include:<\/p>\n