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Merchant services can describe an array of financial services that may be used by a business. In most cases, merchant services will refer to any service that will enable a business to accept and process a transaction that involves a customer paying in the form of a credit or debit card.

Merchant services can also refer to check guarantee and conversion services, gift card and loyalty card programs, and automated clearing house check drafting services. Other services can include employee payroll tracking functions, age verification, and electronic benefits transfer programs, like food stamps.