The merchant stands for trade, value and give-and-take. Folk tradition reads the figure as negotiation and the question of what you are willing to exchange.
When this appeared in your dream, what were you feeling?
My Cosmic Code has a private dream journal. Write a dream down and the app picks out the symbols in it, shows what dream books say about them and, over time, which words recur across your entries. The journal is stored on your device only.