What is a Merchant account?
A Revolut Merchant account is a sub-account to the Revolut Business account. It allows your business to accept additional payment methods, mainly card payments made with both debit and credit cards.
When a customer makes a purchase using a credit card or debit card, the funds are first deposited into the Merchant account. Then, after the payments are settled, the funds are transferred from the Merchant account to the Business account.
Accepting customer payments
- In-person transactions: make sales in person with our card reader Revolut Reader, our all-in-one touchscreen terminal Revolut Terminal, or through Tap To Pay on iPhone in eligible countries. You don't need a website to be eligible for these payment methods
- Online transactions: for invoices, Payment Links, or Revolut Pay, you need to have an online presence, but you don't need to have a functional ecommerce website. You can have a regular website, Facebook page, LinkedIn profile, Instagram profile, Google Maps listing, etc.
- API and Plugin integration: process online payments on your website via the Revolut Payment Gateway and receive the payments directly into your Merchant account. You need to have a fully functional website and might need to provide proof of ownership
Do I need a Merchant account?
Businesses that want to accept credit card and debit card payments typically need a Merchant account.
Businesses that operate exclusively through third-party platforms or marketplaces — such as Amazon and eBay — may not need their own Merchant accounts, as these platforms often handle payment processing independently.