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Merchant Account. For a website to be able to take online payment, the owner of the site has to have a merchant account opened with a bank or a merchant account provider. For an example. If you use PayPal to process your online orders, PayPal is your merchant account provider. If you use Stripe.com to process your online orders, Stripe.com is your merchant account provider. This auction platform can be integrated with almost any type of online merchant account. Once you had it, we will show how or we can do it for you. There are hundreds of merchant account providers out there. It's your business decision to use whoever gave you the best deal.