Merchant Services The solution to your business challenges! Most businesses today give their customers the choice of paying by cash, debit card or credit card. To accept card payments, you need merchant card processing services. We’d like to help you with that. Our bank offers a Visa/Mastercard/Discover credit card and debit card processing program for merchants interested in accepting these cards. Take payments anywhere at any time. Online access is available to view settlement of funds and payments, and to track all sales. You’ll receive assistance and training with state-of-the-art equipment that's easy to set up and use. Funds are processed within a 24-hour period in most cases, which can improve your cash flow as well. Our merchant program offers: Traditional and mobile processing Next-day credit One simple monthly service charge Easy-to-read monthly statement 24-hour toll-free help line No hidden charges Equipment and supplies immediately available to you Available solutions include: point-of-sale (in person), online (via the internet), wireless, telephone based and SwipeSimple (through your smart device) options. We’re eager to get to know you, share ideas, answer your questions and help you grow your business. Call us today! Q: My family business is doing fine, but there aren’t enough hours in the day to keep up with bookkeeping, so I fall behind. Could merchant services help me out?A: Many merchants use our online dashboard to track sales, monitor inventory, capture customer information and perform other tasks. Tools like that can help you save time and stay organized.Q: Let’s say about 1 in 5 of my customers asks to pay by card. Does my business really need merchant processing services?A: Only you can decide what is best for your business. However, one way of thinking about the question is to estimate how many of your potential customers could be taking their business to a competitor that accepts cards.Q: How much does credit card processing cost?A: The cost of our merchant services is based on how the transaction is processed and the card type. Commonly called “unbundled” pricing, a lower cost overall compared to “bundled” pricing. That is not a clear-cut answer—but if you provide a copy of your monthly statement, we will be happy to do a cost comparison for you.Q: What could card acceptance do for a seasonal business—like a woodworker or jeweler who sells mostly at festivals and outdoor markets?A: The all-in-one card readers we make available are easy to carry, encrypted and equipped to read EMV as well as magstripe cards. The money you take in goes to your business account within two or three days, improving cash flow. You keep your customers happy by letting them choose how they pay. And, purchases are made through the card reader quickly, so more potential customers can visit your booth and buy your products. After the event, you can use the dashboard to check inventory, reorder supplies and set your next production priorities Do you have other questions? We’re here to help. Our bank is local—like you—and we’ll work with you and for you. Let’s get started!