Traditionally, merchant cash advances have been reserved for businesses that rely heavily on credit and debit card purchases, such as restaurants and retail stores. However, other Idaho businesses that rely on credit card or debit card purchases can now get a merchant cash advance. The payback of a merchant’s cash advance can be done in two ways. You can either receive an upfront cash payment in exchange for a percentage of future credit and debit card sales, or you can receive an upfront cash payment that is reimbursed by ACH withdrawals from your bank account on a daily or weekly basis.