Merchant Services
Starting out or building up, it's our business to make yours easier.
We take a personal approach to helping you run your day-to-day business. With Merchant Services, OnPoint provides the resources and guidance to determine the right payment processing and deposit tools your business needs. By helping you manage your transactions more securely or expanding payment channels to accept digital and mobile payments, we’re helping ensure you never miss out on a sale.
ACH Transactions
ACH (Automated Clearing House) provides your business with a more secure, cost-effective and time-saving way to collect or make payments with your OnPoint business checking account.
ACH Payments
Save money on check printing and improve efficiencies by initiating direct deposits, payroll, tax payments or vendor payments that deposit funds directly into your vendor or employee’s accounts.
ACH Collection
Receive payments – such as recurring invoices, charitable contributions, dues and tuition payments – deposited directly into your OnPoint business account and avoid the hassle of manually collecting funds from your customers.
Desktop Remote Deposit Capture
Quickly deposit your business checks and eliminate unnecessary trips to the branch using a desktop check scanner from the convenience of your business or home office.
Reduce Overhead
Save on costs involved with making regular in-branch deposits, such as employee travel time and mileage reimbursement.
Analyze Deposits
Easily review deposited items and totals with stored check images and custom deposit reports.
Choose Your Equipment
Purchase the business check scanner that fits your particular business needs (prices vary) or use your existing check scanner (if compatible).
Learn More About ACH or Desktop Remote Deposit Capture
Let us know a little more about your business. We will schedule an appointment or give you a call to discuss the best options to fit your business needs. Then, start an application, which entails a review of the business account history, check volume, anticipated monthly transactions and the owner’s creditworthiness.
Credit and Debit Card Processing Solutions
We offer solutions for a variety of payment methods with simple processing and technology, allowing you to handle transactions quickly and accurately.
EMV - NFC - Apple Pay
Give your customers more convenient and secure payment options.
Mobile Payments
Accept cards instantly on your smartphone or tablet.
Real-time Customer Data
Utilize customer information to make better marketing decisions and build stronger relationships.
Transaction Analysis Tools
Take a big picture look at your business with easy-to-use online account management tools. You can monitor the efficiency of your credit card processing to get the lowest interchange rates with MerchReport and keep track of all your payments with Settlement Reconciliation Service (SRS).
Security Tools & Resources
By complying with industry-leading security standards, we make sure your business—and your customers—are always protected.
Fraud Protection
Manage risk, protect your business from fraud and prevent loss if fraud occurs.
Chargeback Prevention
Eliminate unnecessary chargebacks and lower your processing costs.
EMV
Readily accept chip-based payment cards and keep your customer data secure.
Reputation Safeguard
Protect your reputation and eliminate payment security breaches with Payment Card Industry Council (PCI) compliance standards.
Merchant Services FAQs
- Payment Processing Solutions
- Security Tools & Resources
- Transaction Analysis Tools