Baltimore has credit card merchant services. Credit cards enable cashless purchases, by using a credit card processor at the merchant establishment. He is then paid by the credit card company, which is usually the bank. This, and other services, are made available by these agencies or organizations. Some of the services provided include processing options, global quality service and state-of-the-art verification and security technologies. Software for encryption and online payment processing are also available. This is also necessary for online transactions. A number of different devices could be used. Most of these services are for all major credit card companies.The pricing of the services depends on the technology used, the duration of the usage, and other such considerations. The transactions may be secured by the credit card merchant services. It is possible to start accepting credit cards for payment (which result is higher returns for the merchant) in as less as within a day of applying for these services. The funds are cleared on a regular basis.