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A merchant services provider helps businesses process payments like debit and credit cards, Automated Clearing House (ACH)/eChecks, and other online transactions. These providers act as intermediaries between merchants, banks, and payment networks, ensuring transactions are processed securely and efficiently.
The 1970s witnessed the birth of electronic authorization systems, enabling real-time communication between merchants and banks to verify the legitimacy of transactions. In the 1990s, the internet revolutionized commerce, and with it, online credit card processing emerged.
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