In addition to excellent customer support and service,
there are many benefits associated with Merchant Card Services
Direct Credit to your Business Checking Account
- Your business will benefit from quick credit sales
processing with direct deposit into your business checking
Supplies- When you sign up for Merchant
Card Services, sales drafts, EDC paper and ribbon, window
decals, signage and imprinters are provided at no additional
You can pick up supplies at your local bank branch, or
have them delivered to your business location. For faster
response, our local customer service center maintains a
direct on-line connection with our cards and forms supply
warehouse. Available locally, and provided at no additional
Local Service and Support for Depositors
- Every day our trained Merchant Card Services Specialists
are out in the field making calls and offering support to
local merchants who are depositing with us.
Merchant Accounting- We have a comprehensive
accounting system tailored to meet a merchant's needs, which
includes month-to-date credit card deposit information on
a transaction statement. Discount fees are assessed monthly,
allowing merchants full use of all funds during the month.
E-Connections - We have available
24 -hour internet access to merchant reports that allow
business customers to review information concerning merchant
statements and authorized, captured, cleared and settled
Voice Authorization - We offer voice authorization
at no cost for merchants as a back-up support for merchants
utilizing the Point Of Sale terminal and Dial Pay programs.
Electronic Check Service - Our Point
of Sale (POS) Check Service converts paper checks presented
at the point of sale into safe, efficient "electronic" transactions.
Your business can continue to offer the option of paying
by check, while reducing paper handling and the cost and
risk of check acceptance, depending on which service option
you select. This improves your cash flow and minimizes the
risk involved with check acceptance.
Reasonable Set Up and Renewal Charges
- For each location, the setup charge is competitive and
includes new application processing, imprinter, related
supplies, and authorization information. On the anniversary
date of your merchant account, a renewal fee is assessed.
How Much will it cost - To process
sales drafts for deposit, a fee is assessed called a "Discount."
We charge a straightforward and competitive Discount. Some
card processors quote a reduced Discount, or what is commonly
known as an unbounded rate, and then tack on additional
costs - i.e. interchange charges, per item charges, transaction
charges, statement fees, charge-back fees and other miscellaneous
Your quoted Discount will be charged once a month for
actual drafts processed for deposit that month. The rate
you will be quoted includes the majority of costs involved
in processing those drafts. If you lease Point Of Sale terminals
for draft capture, that fee is listed separately.
Please contact us with any
questions you may have regarding pricing, or applying for
Merchant Card Services.