Merchant Services

Align your payment processing with your business model

Merchant services made easier

Merchant services is a crucial part of doing business, whether you're processing digital payments, cards or cash. Merchant services is a convenient way to process bank cards and mobile payments as well as invoicing and recurring payments or subscriptions.

Efficient processing

Get instant authorization and next-business-day funding.D

Flexible options

Payments are accepted from a variety of platforms.

Secure payments

Sensitive cardholder data is safely handled and stored.

Ready to get started?

Put our experience to work for you

Merchant Services Benefits
Prioritize payment acceptance with merchant services

Accepting Visa®, Mastercard®, Discover and American Express is a service few businesses can live without. 

Flexible payment capabilities

When the bulk of your customers rely on credit and debit cards, your ability to process point-of-sale payments is crucial to the health of your business. No matter the size of your company, we have a solution to fit your needs.

Streamlined merchant services

Whether using traditional countertop terminals, mobile card scanners, built-in office network applications or an e-commerce site, our merchant card processing services ensure prompt receipt of customer payments with competitive pricing and no hidden fees. To help with sales analysis and resolving billing and collection issues, all of our services include access to transactions and reports in real time.

Backed by technology partners

We help you stay on top of compliance requirements like the Payment Card Industry Data Security Standard. Plus, the connection doesn't stop at the transaction, as our Merchant Insights tool supplies extensive sales-level data to reinforce marketing, operations and staffing decisions. We'll help you navigate your systems—so you can stay focused on your business.

Merchant Services Insights
Manage your company

Treasury Management

What's new in contactless payments?

Contactless payment technology continues to evolve to meet consumer demand and address security concerns.
Biometric authentication alleviates the need for PIN codes and passwords.
Risk Management

Bank fraud prevention tools to try

Business fraud can impact your business's finances, your reputation and customer trust.
Fraud incidents may disrupt operations, erode customer loyalty and trust and threaten revenue streams, leading to reputational damage. Implementing a proactive, multilayered fraud prevention strategy can become a competitive advantage, mitigating risk while building long-term value.
Operations

Endpoint security to prevent wholesale payment fraud

Know these dangers of endpoint payment fraud and the steps the financial industry is taking to prevent it.
The best way business owners can help protect themselves against fraud is by communicating with their banks.
Explore more treasury management insights

Normal bank approval applies.

Next-business day funding for American Express transactions is only available for new customers.

Subject to the bank's Funds Availability Policy.

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Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.

Bank deposit products are offered by First-Citizens Bank. Member FDIC and an Equal Housing Lender. icon: sys-ehl.

NMLSR ID 503941