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Do I still need a merchant account and payment gateway to start using Abowire?

Yes. You must setup a merchant account before you start using Abowire. If you need a merchant account, please see the panel above. This account enables you to accept recurring credit card and SEPA payments from your customers. Your payment gateway will transmit your customers' billing information to your merchant bank in order for payments to be deposited into your internet merchant account every month.