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Card Processing

Heritage Bank Merchant Card Services



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Here. To Expand Business Operations. 

Heritage Bank Merchant Card Services is a superior solution for small to mid-sized businesses already or planning to enable customers to pay by debit or credit card. Designed for a growing small business rather than retrofitted from an enterprise solution, expect a full and up-to-date range of technologies, competitive pricing and excellent customer service. 

Heritage Bank Merchant Card Services is available to every Heritage Bank business customer – whether you are accepting credit and debit card payments now or wondering if you should. We offer a free analysis to compare pricing to your current program and feature a variety of solutions that could streamline your operations while increasing cash flow.



State-of-the-art payment terminals are equipped with the latest EMV chip card technology and PIN-pad compatibility. Ethernet, dialup, and WiFi connectivity are available.

Virtual Terminals

The processing proprietary virtual terminal is the perfect fit for B2B organizations accepting mail and telephone orders or those that require recurring billing capabilities. Process cards on any device with an internet connection, and qualify for the lowest possible rates on card-not-present (CNP) transactions.

Point of Sale (POS)

For integrated business tools and an intuitive end-user experience, Heritage Bank offers the Clover® POS solution. This system’s integrated apps and add-ons allow it to scale with business growth.

Mobile Processing

Process credit and debit transactions wherever your business takes you with user-friendly mobile solutions. Accepting payments is as easy as plugging in the chip reader.


Collect payments anytime, anywhere by allowing your customers to pay online. Heritage Bank can build a secure online shopping cart or integrate with an existing one.

Dual Pricing

Heritage Bank Card Processing solutions enable dual pricing. Dual pricing can allow businesses to reduce or eliminate out-of-pocket card processing costs by passing on the processing costs onto customers. Our solution ensures transparency with customers about the additional costs they are assuming for the convenience of using a credit card or debit card.

Need-to-Know Details:

  • Available for terminal, mobile, virtual and electronic invoicing.
  • Reconciliation facilitated by back-office reporting that includes essential breakdowns.
  • Virtual terminal accepts ACH transactions for a low cost.
  • Competitively Priced: $35.00 Monthly Fee.1, 2
  • First Terminal Free.3

Contact us for more information

 1Additional terminals $10 monthly. For quantities over 5 devices, please contact your sales advisor for special pricing.
2The following fees will be passed through at cost: International Card Brand Fees, Chargeback Fees, Retrieval Fees, and PCI Non-Compliance Fees.
3Any additional terminal(s) will need to be purchased at full retail price.
4Currently only available on Android mobile devices.



Nick Salsgiver

Nick Salsgiver

(859) 869-2942

Email Nick





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