What is the phone number for the merchants bank customer service? Toll-free: (800) 944-6285 Merchants Bank Routing Number : 091900193 View all bank locations, hours and phone numbers. Online Contact formWhat is merchant bankcard and how does it work? Summary Merchant Bankcard is a technology that helps customers save money on credit cards transactions. Merchant Bankcard offers services for varied bank card holders including Pulse, Cirrus, Discover, American Express, and JCB etc. Merchant Bankcard offers a trial period of 30 days for its services.What is a merchant account and do i need one? A merchant account acts as an intermediary between your business bank account, the credit card networks, and the customer’s issuing bank. Without one, you aren’t able to accept credit cards and other electronic payments.