Merchant Services

Payment solutions for wherever you do business

Create business efficiencies with a merchant services account

We have the flexible payment solutions you need to accept payments anytime, anywhere. Plus, you can get paid faster with next-day funding and the benefit of working with one bank. Explore our family of merchant processing services for small business owners.

Flexible solutions

Process payments wherever and however you want to do business—on the road, in person or online.

Stronger cash flow

View transactions in real time, set up recurring payments and spend less time on billing and collection.

Next-day funds

Get next-day business fundingD for most credit card transactions into your deposit account.

Connect with a small business merchant services specialist

Ready to connect with a merchant services specialist?

Merchant Services benefits
Flexible, secure payment processing that grow with your business

We provide comprehensive, customized merchant card services and point-of-sale tools that help you meet customer needs—wherever they are.

Comprehensive analysis

Our experienced team will analyze your existing payment acceptance process and develop a customized plan that meets both future and current goals.

Integrated point-of-sale solutions

We offer flexible payment acceptance and integration solutions designed for merchants accepting cards in person.

On-the-go payments from your phone or tablet

Accept payments anywhere you have Wi-Fi or cellular coverage securely, with the highest level of card data encryption.

Virtual terminals and e-commerce options

Get seamless, secure payment processing when you need to take customer payments online, in phone, in person or by mail.

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Send and transfer money using ACH and wires

Receive account and security alerts

Business Digital Banking

Manage your business on the go

Manage your accounts from anywhere

Business Digital Banking

Manage your business on the go

Send and transfer money using ACH and wires

Business Digital Banking

Manage your business on the go

Receive account and security alerts

Merchant Services FAQ
People often ask us

Merchant services are solutions designed to help businesses process payments faster and more efficiently. This can include providing software or hardware necessary to process credit card and debit card payments in person and online, as well as check-processing support.

A merchant services provider facilitates payment acceptance and processing for businesses, serving as a mediator between customers and merchants that allow debit card and credit card transactions.

To open a merchant services account and start processing and accepting payments more efficiently, talk with a banker at your local branch.

Merchant Services Insights
Grow your business

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.

Links to third-party websites may have a privacy policy different from First Citizens Bank and may provide less security than this website. First Citizens Bank and its affiliates are not responsible for the products, services and content on any third-party website.

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

NMLSR ID 503941