A merchant account is a type of bank account that allows businesses to accept payments by credit or debit cards.
If you'd like to accept credit cards for items on eBay.co.uk or eBay.ie, you'll need to set up a merchant account with your bank and then set up a means of processing card payments through a virtual terminal solution. Credit card payments aren't integrated into checkout on eBay.co.uk or eBay.ie.
Tip: Before opening a new merchant account to accept credit cards, remember that buyers can pay you with a credit card using PayPal. They don't necessarily need to register - they can pay as a PayPal guest user. PayPal just processes the card payment and puts the money into your PayPal account.