Merchant Account Help For Small Businesses – Which One Should You Pick?

As a small business owner, it’s important to keep the cash flowing. You may not have enough operating capital to fund your business operations from day one and need help with funding. One option is to get a merchant account so you can process credit card payments for your services or products.


But which one should you pick? A standard merchant account, an Asymmetric Merchant Account, or an e-commerce merchant account? There are many different types of merchant accounts and they all provide different advantages.


In this article, we’ll take a look at the features of these options and discuss how they might be helpful in small businesses.


What Is A Merchant Account?


Merchant accounts allow small businesses the opportunity to accept credit card payments from customers to increase cash flow and revenue. The Merchant Account Help takes on extra risks associated with running a business by providing funds for future expenses.


Types Of Accounts


There are two main types of merchant accounts: standard and Asymmetric. The standard account is the more traditional version of the account and allows you to process credit card payments from a variety of customers, typically with a low monthly fee.


The Asymmetric account is similar because it can process credit card payments, but it’s typically used for larger transactions between businesses. The Asymmetric account requires a higher monthly fee and has more restrictions than the Standard Account, but can also be more beneficial if you have a business that requires large transactions or sells expensive products.


E-commerce merchant accounts are another option for small businesses that sell products online. This type of merchant account specializes in selling goods over the internet and comes with certain benefits that may not be available with other accounts.


For example, e-commerce merchants typically don’t have any transaction limits on what they can sell and there is no risk to chargeback fees because the customer pays upfront with their credit card when they order your product or service.


Should You Get An “eCommerce Account”?


An eCommerce account is designed for small businesses that do business online only. It’s a versatile option that allows you to process credit card payments in the same way as a standard merchant account but it also comes with additional features like a built-in shopping cart and email templates to help serve your customers.


The best part of an eCommerce account is that your business can start selling products and services virtually instantly. You don’t need to worry about any paperwork, contracts, or lengthy application processes that may come with other types of merchant accounts. This means you can get started from day one without any hassles or risks involved.




A merchant account is an arrangement between a business and a credit card service provider that allows the business to accept credit card payments. Merchant accounts can be either standard or asymmetric.


Standard accounts are usually cheaper and have lower rates, but as the name suggests, they are also more limited in what they can do than asymmetric accounts.


If you are considering starting an eCommerce store, you may be better off with an asymmetric account. But if you are selling your products through more traditional methods, you may want to consider a standard account instead.


To find the account that is right for your business, review the features and benefits of each option before making your decision.

Duane Roberts

Duane Roberts

Paul Roberts: As a legal affairs journalist turned blogger, Paul's posts offer expert analysis of legal news and court cases. His clear explanations and engaging style make complex legal issues more understandable for readers.