A merchant account is a type of bank account that allows businesses to accept credit card and debit card payments. Merchant accounts are typically used by businesses that sell goods or services online, over the phone, or in person. Fundraising is one area where merchant accounts can be particularly helpful. Non-profit organizations often rely on donations to support their work, and merchant accounts make it easy for donors to give money using their credit or debit cards. In addition, merchant accounts can be used to process payments for membership dues, event tickets, and other items. As a result, they can be a valuable tool for organizations that need to raise money.