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Your credit card processor will provide you with a merchant account.
This merchant account will be used to capture funds collected from credit card sales.
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In truth, when ecommerce first came into existence it was often expensive and complicated to setup.
If all else fails, you can hire a professional investigator to find out for certain whether your signifigant other is using a dating site.
The first step is to be aware of common dating sites and apps (many of which are intended to look inconspicuous) so that if you stumble upon them on a shared devices's apps or browsing history, you’ll recognize them.
This was true from both the Visa / Master Card card acceptance perspective, and also from the technology / shopping cart perspective.
If we fast forward to today ecommerce is common place.