Choosing the right merchant account provider can be a daunting task for any business owner. Providers may charge additional fees for processing credit cards online, closing an account early or even using a lower subscription plan. Businesses that operate seasonally often face larger credit card processing fees than those that operate year-round. Finding the right provider for your seasonal business can help you lower maintenance costs and avoid extra fees.

The first thing you need to know is that a merchant account is a separate account that holds all the money you receive when customers’ payments go through. A merchant account provider will set you up with a merchant account, allow you to process all credit and debit card sales through it, and then transfer the money into a designated business account for you to access those sales.

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