Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to accept credit cards without a merchant account [title] Understand how a third-party merchant works. [step] A third-party merchant is a company that accepts credit card payments on your behalf for a processing fee. The merchant will check the card, process it, and send you a monthly payment for the amount you are owed.

Ending1: These payments can occur over a period of 6 months or longer, depending on the merchant's experience in customer service. By accepting credit cards without a merchant account, you can still receive 10% off a payment. Ending2: Credit cards are used to receive payments from third-party merchants, as well as loan recues and interest on loans. [substeps] Debt cards receive payments from non-customers, so a third-party merchant will pay for each transaction and ship those funds directly to you. Ending3: A third-party merchant does not accept credit cards under a " merchant account. " it accepts the credit card payments and then sends the payment over the phone to you through a special link on the merchant service's website. Ending4: The merchant does most of the work for you, allowing you to focus on developing your products, services and customers. [substeps] If you use a reputable third-party merchant, your customers are more likely to buy goods from you online if they know their credit card information will be secure and safe.

Answer format: ending1/ending2/ending3/ending4