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Merchant Services

Merchant Services

Jump-start your business with smarter, faster, easier payments products and services designed to reduce risk, drive revenue and maximize value. 

Through our strategic partner, which is one of the nation's top payment processors, The Bank of Missouri is able to offer all the payments services you need to be successful. Whether you simply want to accept card payments, or need a more robust processing option, together we can design the right solution for your business.

Are you ready to simplify card acceptance, increase your competitive edge, and improve your bottom line? We can't wait to help. Call 888-547-6541 to talk to a business banking expert today.

Payment Processing Solutions

EMV/Chip Card Processing

Limit your fraud liability and preserve customer trust with an EMV and encryption-enabled terminal. Processing chip cards with an updated payment device can help protect your business by ensuring that your customers’ payment cards are valid, while limiting your fraud chargeback liability and protecting sensitive card data.

Credit Card Acceptance

Accept payment cards no matter what brand your customers use. You’ll have access to all of the major card networks, including Visa®, MasterCard®, Discover®, and American Express®. You can also process Fleet and Commercial cards – including Level II and Level III data transmission.

Debit Card Acceptance

Customers appreciate the simplicity and convenience of debit cards. Enable these purchases with dependable, secure debit card services. With Vantiv leading the nation as the largest processor of online PIN debit transactions*, you can take advantage of the expertise of a true payments leader.

Mobile Payment Acceptance

Download a dedicated mobile app and combine it with our mobile card reader so you can quickly and securely swipe any U.S.-issued credit, debit or prepaid card for processing on a smartphone or tablet. Looking for a more advanced mobile payment solution? Try our affordable, tablet based, cloud-connected mobile point-of-sale (POS) system. Manage inventory, track sales, market to customers, process sales and more – anytime, anywhere.

Electronic Check Services

Choose from several electronic check processing options that provide real-time authorizations and fewer check-processing hassles. Check services can help you reduce the risk of fraud and bad checks while reducing your check processing costs and increasing back-office efficiencies.

Gift Card Programs

Increase sales, improve cash flow, and project your brand with our affordable gift card program. Our gift card program enables multiple transaction types, flexible program controls, and cardholder and merchant support features to ensure you get the most out of your gift card program.

eCommerce Solutions

For your card-not-present situations you can accept credit, debit and even recurring payment transactions. Manage transactions easily, efficiently and cost-effectively—without expensive alternative acceptance devices—and get convenient and comprehensive customer reporting too.

Recurring Payment Solutions

Offer convenience for customers, and ensure you never miss a payment with our recurring payment solutions. Recurring payments functionality lets cardholders authorize you to periodically bill their payment card for recurring goods or services.

Electronic Benefit Transfer

Support all EBT card forms – SNAP, Cash Benefit and WIC – using the same equipment and processing systems as you do for credit and debit. Accepting EBT delivers complete point-of-sale convenience for EBT cardholders.

Data and Reporting

Manage your accounts 24-hours-a-day, seven-days-a-week through a secure, online reporting portal. It’s a quick, secure, easy-to-use tool that can help you reconcile merchant accounts, respond to chargeback notices, research customer transactions, and more.

Security

Take the complexity out of payment security with our advanced security suite. Our cutting edge security solutions give you the confidence you need to safely accept payments and dramatically reduce your fraud liability and breach vulnerability. Our extensive security suite includes:

  • PCI Assist – Achieve and maintain PCI compliance with ease. Assistance with vulnerability scans, self-assessments, and checklists help you avoid the devastating loss of consumer trust and the financial impact associated with a data breach.
  • Breach Assist - Limit your financial liability in the event of a data breach with Breach Assist. Our breach protection service provides reimbursement for certain breach related costs and includes funds for related hardware and software upgrades that may be required post-breach.
  • Encryption - Add a solid layer of protection by encrypting data the moment it enters your system, and throughout the entire transaction. Card data encryption removes card data from your network, reducing your risk of data compromise and helping you reduce the scope of your PCI compliance requirements.
Small Business Loans

 

*Source: The Nilson Report, March 2015

External Link Disclaimer

You will be linking to another website not owned or operated by The Bank of Missouri. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by The Bank of Missouri of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from The Bank of Missouri.

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Email Disclaimer

Because there is a risk information transmitted via Internet email could fall into the wrong hands, The Bank of Missouri suggests confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated, please contact The Bank of Missouri by phone or at your nearest branch.

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First Choice Insurance Agency, Inc is a wholly owned subsidiary of Reliable Community Bancshares, Inc., parent company of The Bank of Missouri.

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