The account created by the merchant processing agent with the bank is the merchant account where it is strictly used for the transfer funds from the credit sales through merchant processing and agency. Merchant processing is a wide spread service offering category in the financial services which is related to an industry and businesses. The Merchant Processing service enables a corporate business accept enables a business to accept a transaction payment in a very secure and reliable way with very protected and encrypted channel of payment of transaction where happening or possibility of fraudulent transactions is absent. The merchant processing agents offer services which are helpful and burden removing for the corporate and help corporate to concentrate more on the main and core transactions and business of the company. Merchant processing work includes processing of payments in connection with debit cards and credit cards. The merchant agents also deal transaction related to Check guarantee and check conversion services. The automated clearing house payment services and agency of drafting are offered by the merchant processing agency in a professional manner. Programs of gift and loyalty transactions with very secure and confidential gateway of payment. Mostly merchant processing agents deal with the online commerce or online transaction processing services which are at very peak in the current scenario in the financial market.