additional issues that should be kept in mind when you apply for a Merchant Bank Account are:- A US merchant account can take up to a month to come through.If you already have a merchant bank account, you will probably also need to upgrade it to an Internet.Ensure that your bank accepts Internet merchant accounts and has credit card processors that can connect to FDC, Paymentech or CyberCash.Your account must be able to handle Card Not Present transactions.