You can use an internet merchant account in many different ways. If you do not have an internet merchant account, get one. You can use it to pay for items that you purchase on the internet easily and quickly. Instead of having to send out a personal check and wait days for the check to get to the business and for the check to clear, you can send a payment instantly. Your internet merchant account can be hooked up to your credit card account or your bank account. You can also put money into your internet merchant account and send the funds to the seller in this way. Either way you do it, your internet merchant account can pay an online seller for you in a matter of seconds.