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Business Merchant Services

Electronic payment processing solutions

Everything a business needs to process credit card swipes, debit card taps, online checkouts, and more.

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Benefits of Payment Processing

Increased Sales: Accepting electronic payments opens up a wider customer base who prefer the convenience of cashless transactions.

Improved Efficiency: Streamlined payment processing saves time compared to manual methods and reduces errors.

Enhanced Security: Merchant services comply with industry security standards to protect customer data and reduce fraud risks.

Better Customer Experience: Faster checkout times and multiple payment options lead to happier customers.

Payment Processing

Point-of-Sale (POS) Systems

Payment Gateways

Merchant Accounts

Additional Services

Payment Processing

This is the core function, enabling your business to securely authorize and capture payments made electronically. It involves the communication between the point-of-sale system, American United FCU, and major card networks such as VISA and Mastercard, ensuring a smoot transaction process for businesses.

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Point-of-Sale (POS) Systems

POS systems are the hardware and software that businesses use to complete transactions in-person. They can be simple setups or more complex systems with inventory management features.

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Payment Gateways

For online businesses, payment gateways provide a secure way to connect your website or app to the payment processing network. They encrypt customer information and handle transactions seamlessly.

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Merchant Accounts

These are special bank accounts that hold funds received from electronic payments before they are deposited into your business’s main account.

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Additional Services

These include gift/loyalty card programs, check acceptance, terminals, e-commerce solutions, recurring billing, mobile payments/swipers, phone/in-person support, fraud prevention tools, breach protection, and reporting/analytics.

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Frequently Asked Questions

What types of payments can I accept with merchant services?

Credit cards (Visa, Mastercard, etc.), debit cards, contactless payments, and sometimes ACH bank transfers.

How much do merchant services cost?

Costs can vary depending on your processing volume, and features needed. There might be monthly fees, transaction fees, and potentially per-statement fees.

Do I need a merchant/business account?

Yes, a merchant account is required to hold the funds from electronic transactions before they are deposited into your business bank account.

Can I integrate with my existing point-of-sale system?

There are solutions that integrate seamlessly with popular POS systems. This can simplify your operations and streamline the checkout process.

What kind of reporting & analytics are offered?

These tools provide valuable insights into your sales trends, customer behavior, and transaction data, helping you make informed business decisions.

Business Premier Checking

Business Premier Checking is designed for businesses of all sizes, providing a higher dividend rate compared to Business Basic Checking. It includes enhanced online and mobile banking services, has a $25 setup fee, and a $20 monthly fee that is waived if the balance exceeds $10,000. Optional services include merchant services and remote check capture. Standard features include no minimum balance requirement, a VISA® Rewards Debit Card, and federal insurance through the NCUA.

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