Merchant Card Services

Our merchant card services program allows commercial customers to accept Visa, MasterCard, American Express, Diner, and Discover cards. We can provide you state of the art electronic payment processing including a cost effective streamlined avenue to accept payments via your website. You receive 24 hour terminal and settlement support, settlement by the second business day, and a monthly Visa & MasterCard combined statement.

First Commercial Bank, N.A. provides merchant services for electronic payment acceptance to all commercial bank customers through our partnership with BancCard.

Accepting electronic payments is one of the most effective ways to make your business competitive and improve your bottom line. For years, the capability to accept payments electronically was limited to places like retail stores, hotels, restaurants and airlines. But today, as more companies take advantage of electronic check and card processing solutions, consumers expect to be able to use their cards for a much broader range of products and services, including health care, groceries, tuition payments, movie tickets and recurring payments, such as cable or utility bills.

Businesses that capitalize on this growing opportunity will enjoy many benefits, including:

  • Offering their customers greater convenience
  • Building customer loyalty and repeat business
  • Increasing revenue and cash flow

Ways to Accept Electronic Payments

  • Counter-Top Processing Solutions
    • If you're face-to-face with your customer, at a single location, or on the road, a terminal at your fingertips is the solution for you!
    • Whether you accept one-time payments, including tips or donations, or need to setup recurring customer payments, we have customized terminals to fit your business needs.
  • Web-Based Terminal Solutions
    • With an Internet connection or a Web-based terminal, you can process transactions through your PC/MAC - no software to install!
    • Reduce your Accounts Receivables balance by providing, flexible, predictable payments plans for your customers.
    • Accept customer-initiated payments online when you sell products on your website or for online donations from supporters.
  • Over-the-Phone Payment Acceptance
    • Using the right software, you earn the lowest possible "key-entered" rates.
    • Accept purchasing cards the best way with tracking level 2 & 3 card data.
    • Utilize our Automated Response Unit (ARU) to process cards anytime from anywhere over the phone.

Additional Products and Services

  • Eliminate the hassle of check handling with automatic deposits to your account with our risk-free electronic check processing.
  • Offer your very own customized gift and loyalty program.
  • Protect your cardholder data and your reputation with our PCI Platinum Security Program.

Ask us about our merchant card services today!

Ancillary services such as mobile banking and bill pay are subject to additional terms and conditions and/or fees, including internet provider and data charges for online and mobile banking.