hey there i'm new here and i have question , is there any API or service that could provide a way for the end user of my site to pay for some goods or do a transfer from there credit card but they get deposited as USDT to my wallet without them going to buy crypto to then send me that crypto since crypto is not yet widely adopted it is not ideal for now at least to have it as a main payment gateway , now that was question one , the second is does it need a merchant account like strip does , is there even a payment gateway that does not require merchant account, thanks in advance.