Merchant banks use payment gateways to process their transactions.  We offer 3 options for gateways.  Stripe, Elavon and Authorize.net.  If your current bank uses any of these gateways, you can add those credentials to the section where you configure this option.  You can find it under Setup>Billing.  If you would like to explore your options for merchant bank accounts, we have a preferred merchant banking broker who is happy to quote you somje options.  You can find their link just below the merchant bank credentials fields on this page.  Most banks can be used through Authorize.net.  This gateway also has many great features.  We do not get in between you and your bank, so shop away.