Merchant Services
 

 

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Faster payments are at your fingertips with a little help from our Merchant Services Center. You can increase customer satisfaction by taking debit or credit cards. You can increase funds availability. You can operate your business better.

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What Is Merchant Services?

Merchant Services provides you the ability to accept credit cards and debit cards through your retail store, phone, and more. Whether you are starting a new business, expanding, or are questioning your current payment solutions, we have the tools to meet your payment business needs.

With our customizable solutions, we can help reduce the time that you spend handling payments and allow you to focus on serving your customer's needs and growing your business. We provide a single source for all your electronic payment needs.

Our Solutions Allow You To:

  • Accept a variety of credit/debit cards including:
    • MasterCard®
    • Visa®
    • Discover Network®
    • American Express®
    • Purchasing Cards
    • Fleet Cards
    • ATM/Debit Cards
    • Electronic Benefit Transfer (EBT) Cards
  • Receive reliable electronic payment solutions from a bank you trust
  • Enjoy the friendly, local customer service you expect and deserve
  • Benefit from competitive pricing
  • Choose from a variety of our Processing Solutions and Product Enhancements

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 What Is Merchant Services?
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Gift Cards

Give your business a boost by offering gift cards. It's a great marketing tool to attract new customers and keep current customers coming back.  Plus, they are safer and easier to manage than paper gift certificates.

Increased Income

  • Gift cards are usually the #1 gift during the holiday season
  • Gift cards received during the holiday season are redeemed during January
  • Gift cards are often the most profitable square foot of selling space in the store
  • Merchants report sales increase of 25% to 50% over paper gift certificates
  • Customers spend more with gift cards – 56% spend more than the value of the card

Marketing Impact

  • Cards improve brand awareness and function as small “billboards” in customers’ wallets
  • Cards consistently boost the effectiveness of marketing campaigns to attract new customers
  • A variety of loyalty and reward programs give customers a reason to keep coming back

Management Tools

  • Cards may be used to issue store credit for all merchandise returns – keeps cash in store
  • Detailed reporting reduces fraud and eliminates burdensome manual accounting tasks
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 Gift Cards
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Working With Us

Choosing the right payments partner is critical to your business' bottom line.  Our Merchant Services has the tools to assist you.

  • We base our pricing on your individual profile
  • Rates are based on the number of transactions and dollar volume
  • Next day service via ACH deposit allows you to receive MasterCard® and VISA® deposits the next business day without having to stop by the bank
  • The type of equipment needed depends on the type of processing system that you choose. Our Merchant Services Center has available the necessary equipment to meet all your needs
  • Although MasterCard® and VISA® are the primary cards that are accepted by merchants, Discover®, American Express®, Diners Club® and others can also be processed through the terminal provided by the bank
  • Set-up is provided on-site or via the mail
  • New terminals are programmed prior to installation, saving you time and getting you online as quickly as possible
  • We offer expert training by Merchant Services personnel for your staff as needed
  • Each terminal is equipped with a Quick Reference Card and Terminal Overlay for future reference
  • Each site is provided with appropriate signage, decals, and promotional materials
  • Customer Support: Customer support is available 24 hours a day, 7 days a week.

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 Working With Us
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Processing Solutions with Merchant Services

Point-of-sale, telephones and the Internet can be part of your business success...

Help grow your share of the e-commerce market with our suite of Internet processing solutions. The YourPay® Internet Gateway provides secure Internet shopping to your customers easily and cost-effectively. Regardless of your business size, Merchant Services offers a variety of solutions that enable you to accept the form of payment your customer wants to use.

Point of Sale (POS) Terminals

We offer several POS terminal solutions that are easy to use, fast and affordable. Our goal is to equip your business with the terminal that best meets your needs. We support a variety of connectivity options:

  • Internet Protocol Network (IPN) - allows routing of POS transactions through the internet with faster transaction processing
  • Wireless - authorize purchases virtually anywhere, even with no access to phone lines or electrical outlets
  • Dial-up  - basic analog telephone line connection

Telephone Processing

Touchtone Telephone Processing is a simple, yet versatile, method of processing credit/debit card transactions. All you need is a touch-tone telephone or cell phone for immediate payment authorization and settlement on card transactions.

eCommerce

Tackle the uncertainties of online retail and help grow your share of the e-commerce market with our suite of Internet processing solutions. The YourPay® Internet Gateway provides secure Internet shopping to your customers easily and cost-effectively.

Software Solutions

Businesses need flexibility in payment acceptance. A desktop computer can be a powerful POS payment processing solution by utilizing a business management software program. If you already own such a program, we may support it. If not, we can provide one for you.

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 Processing Solutions with Merchant Services