The best replacement for merchant is non merchant.

The best alternatives to merchant are rated as following:
★★★★★  non merchant
★★★★  vendor
★★★  non-merchant
★★★  retailer
★★  merchandiser
★★  paypal
★  service provider
★  service provider pci
★  worried merchant
★  nonmerchant
  portman
  angry
  miva merchant

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Google Trends

Scale is based on the average worldwide traffic of merchant in all years. Click on graph for more.
merchant
non merchant
vendor