Merchant Services

What is a merchant service provider? And how do I find the right one for my business?

Merchant services are resources used by businesses to streamline financial transactions. They enable a business to accept electronic payments and process them efficiently and securely in compliance with payment card industry (PCI) standards. As an authorized liaison between businesses and credit card companies, the merchant service provider (MSP) expedites the process of validating and moving funds from the consumer’s bank to that of the merchant.

The MSP’s payment hardware and/or software transmits a consumer’s transaction details at the point of sale to the appropriate payment card industry member, such as Visa or MasterCard, who then contacts the issuing bank to check on the availability of funds or credit limits. If the transaction is approved, the merchant service provider collects funds accordingly and disburses them in batches to the business through a merchant account.

Are you ready to find the right MSP for your business? Great! You will probably want to gather as much information as possible before making a decision. Here are some of our resources:

Grow Your Business into a Credit Card Processing Machine: Learn all about the basics of credit card processing, the fees involved, what to look for in prospective MSPs, and payment industry vocabulary.

Protect Your Money Through Smart Credit Card Processing: Everything you need to know about loss prevention and chargebacks to keep your profits soaring.

eCheck Processing: Say goodbye to paper checks and hello to EFTs—and give your customers the flexibility and convenience they're looking for.

PIN Debit Transactions: PIN, signature, online and offline debit payments, simplified. Learn how they're processed and how they affect your business.

eCommerce & Payment Gateways: Online shopping is booming. Are you ready to make the leap from brick-and-mortar to omnichannel retailer?

Virtual Terminals: Enter customers' card data from anywhere with a secure internet connection, even if you don't have a company website.

Terminal Processing: A rundown on in-store, wireless, online and mobile processing, and how they can help your business.

EMV Chip Cards: They're far safer than swipe cards, and there's a liability shift in full swing. Here are all the reasons why you should implement an EMV-enabled terminal at your store.

POS Evolution to the Cloud: No hardware? No problem. Shift your resources into the cloud.

Fraud Prevention: Fraud is an unfortunate risk of handling credit cards, but you can prevent it. We can help.

Gift Cards: These gifts never stop giving. Learn how to use them to multiply your customer base and increase buyer loyalty.

High-Risk Merchant Accounts: Our team takes on merchants most banks won't and gives them the tools they need to compete and thrive.

Invoices: A simple concept made even simpler through automation.

Online Reporting: An all-in-one look at your processing statements, payment trends, insights and more. Take advantage of this practical (and free!) add-on to your merchant account that paves the way for making smart business decisions.

Recurring Billing: Take the effort out of collecting payments and give your customers consistent, convenient schedules. The setup is simple and maintenance is minimal.

Tokenization: The gold standard of payment data obfuscation, this security feature plays a large role in your processing system and your customers' privacy.

QuickBooks Integration: Automatically sync your departments to reduce administrative tasks, increase accuracy and max out your business efficiency.

Payment Card Industry Data Security Standard (PCI DSS): A universal set of rules on how to keep your customers' card data safe from fraud. And, if you have any questions, we have an in-house compliance team at your service.