I need a flow chart to figure out how the Merchant account works. Anyone?

It's good to see your post today, kambrandt-gmail-.

While we don't have a specific flow chart that can help figure out the whole work flow of your Merchant account, you may consider running some reports that can help you understand how it works.

Here are some of the articles that you might find helpful in managing reports in Merchant Service.

• View and download statements in the Merchant Service Center 
• Print a batch detail report from the Merchant Service Center

In case you need help from our Merchant Support, please go to this link. Then follow the steps under QuickBooks Online with Payments & Merchant Service Center.

Be sure to check back in with me here if you have further questions. I'm always around to help you in any way I can. Have a good one.