Online merchant services mean fewer, if any, trips to the bank. Deposits are completed online by using the login feature of a business merchant account. This also means that individual payments and deposits reach a business bank account faster, accelerating and improving cash flow. Accepting card-based payments online also provides greater security through the built-in fraud protection and risk management features included by service providers. Businesses who accept these do not have to worry whether a check will bounce, or an invoice will be paid; transactions are authorized and approved before an order is completed.