Do you use your credit card for most of your purchases? I do. I only carry no more than $20 cash with me. Most of my purchases I charged to my credit cards, online or offline. If you own a business or a shop, you may want to accept credit cards as part of your transaction.  To do so you will need to have a merchant account. And you can get it for free at Merchant Advisors. Most other companies will charge you to open a merchant account but at Merchant Advisor, you get free merchant account, no contract, no application or setup fees and with next day funding. As long as you have at least $1000 in credit card transaction, there will be no fee levied against your merchant account. You can learn more about this by visiting their website.