Yes and No, to make it simple ZenBusiness Money offers a merchant account. A merchant account is a type of bank account that allows you to process, accept, and store your payments. You can choose to keep your funds in the merchant account or you can transfer funds to your business bank account. A merchant account is an agreement between a merchant bank and payment processor that will allow you to store your credit/debit card payments. When a customer makes a payment using their card the funds will be transferred to your merchant account where they will sit until either you or your payment processor processes a deposit to your business bank account.

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