Merchant services is the name given in the United States to a broad category of financial services intended for use by businesses. In its most specific use, it usually refers to the service that enables a business to accept a transaction payment by use of the customer’s credit or debit card. More generally, the term includes the following in its use:

* Credit and debit cards payment processing
* Check guarantee and check conversion services
* Automated Clearing House check drafting services
* Gift and loyalty card programs

Other services include age verification (used by age-restricted businesses), employee payroll tracking functions, electronic benefits transfer programs such as food stamps.

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