Services Offered by First Merchant Services
First Merchant Services is a strategic sales partner of United Bank Card, one of the largest and most reputable payment processors in the United States. Through our partnership with UBC, First Merchant Services is able to offer some of the lowest merchant account processing rates available.
Best of all, as long as you have a merchant account with First Merchant Services, we will provide a replacement cash register if yours breaks or malfunctions, completely free of charge.*
Establishing a merchant account will enable you to accept credit cards as a form of payment from your customers. Credit card transactions are authorized instantly through your integrated electronic cash register and funds are automatically deposited into your checking account of choice within 48 to 72 hours. You will be able to accept all major credit cards such as Visa, MasterCard, Discover, American Express, Diners Club and JCB as well as debit, EBT and check cards for payment.
First Merchant Services offers a web-based reporting system that gives you the ability to manage your merchant account securely and conveniently over the internet. This tool allows you to view credit card statements, batch and transaction details, receipts and electronic signatures. It also give you the ability to order cash register or credit card machine supplies, access instructional materials and chat with a friendly support representative online in real-time. The system even alerts you to any chargebacks or retrieval requests on your account, enabling you to act promptly and avoid fees.
Check Guarantee enables your business to avoid bounced checks and bank fees as a result of accepting nonsufficient funds (NSF) checks. First Merchant Services’ advanced check guarantee system will scan your customers' checks against our database of negative check writers and alert you to negative and NSF check risks. With check conversion, checks will automatically be deposited in your bank account, eliminating the need to make trips to the bank.
Gift and loyalty cards are the fastest growing form of non-cash payment in the country. The gift cards typically seen in the large chain retailers and department stores are now available for even the smallest single location merchants to offer. Gift and loyalty cards provide greater customer retention, improved customer loyalty and repeat business. They also provide detailed reporting for customer purchases and additional revenue streams from unredeemed and expired cards. For a minimal cost, you can offer a complete Gift and Loyalty Card solution to your customers.
Contactless payment systems enable your customers to complete transactions by waving their payment cards in front of a contactless reader. First Merchant Services can equip you with a contactless reader that is compatible with a variety of POS systems. You will be able to accept all major contactless brands, including MasterCard Paypass™, Expresspay™ from American Express, Visa and Discover Network contactless payment programs.
Electronic age verification technology is available to assist retailers in properly distributing age restricted products and to help them avoid substantial fines. This technology scans the driver's license and informs you if the customer can legally purchase tobacco or alcohol and will alert you to fake IDs. Enforcement of age regulations is becoming increasingly more pronounced and it is critical to incorporate an age verification system and to adhere to local, state and federal regulations.