Do I need to incorporate a company to process CC?
Can I process CC without having a mercent account in any bank ?

yeah same question, but i would have to say no. also an international account application fee is what 400 at godaddy.com what about Japan, or some other country. anyone with information on merchant account and setting one up in Japan would be a great help. (maybe not the best place to ask, since this topic seems to get such few visitors.

Unless your using a company like PayPal to accept credit cards/payments you will have to have a Merchant Account.

The CC processor company will use the Merchant Account to deposit funds into your checking account.

He is correct. A merchant account is easy to get... Verisign can do it for you

There is a company out the CPS that does international cards, they had the best credit card rates when I shopped it. I Think they are based out of NY their # was 914-954-6933, ask for Bill.