What are Merchant Services?

Merchant services encompass a suite of financial solutions designed to facilitate smooth and efficient payment transactions for businesses.

These services go beyond conventional payment processing, offering a range of tools and features that enhance the overall financial operations of your enterprise.

Merchant Services Make Business Finances Easier on You 

Thanks to our partnership with Heartland, you’ve got access to fast, secure, and simple payment solutions that can help you do so much more for your business.

  • Get paid even faster – next-day funding available* 
  • Grow your business with smart point of 
sale solutions 
  • Rely on customized pricing to fit your 
business needs
  • Protect your business with fraud prevention 
and data security tools 
  • Capture and gain visibility to your customer 
data to better manage your business 

Connect with a Business Banker

Take Payments Anywhere

Accept payments wherever your customers are: at the counter, table, food truck, your website, or their home. 

Flexible, scalable hardware: Choose from a variety of intuitive payment devices, and easily upgrade at any time.

All types of cards are accepted: Accept all major payment types including debit, credit, and chip cards along with mobile wallets.

Connect with a Business Banker

How Can Your Business Thrive with 
Payment Processing Solutions? 

Retail Store

Retail Store

Goal: To provide convenient and secure payment options to customers

Use payment processing to accept all credit and debit card payments at the POS terminals.

  • Seamless checkout experience
  • Improved customer satisfaction
  • Increased sales
Online Boutique

Online Boutique

Goal: Expand customer base nationally

Integrate an e-commerce payment gateway to your website.

  • Customers make purchases online
  • Secure online transactions
  • Accept various payment methods, including credit cards and digital wallets
Small Business Tradesman

Small Business Tradesman

Goal: Offer convenient payment options to clients.

Use mobile payment processing tools to accept card payments on-site.

  • Eliminate need for cash transactions
  • Quick and secure payments after completing a service


Goal: Streamline payment process for dine-in and takeout orders.

Use a POS system that integrates with payment processing services.

  • Customers can pay at their table using credit cards.
  • For takeout orders, online payment processing simplifies transactions.
Consulting Firm

Consulting Firm

Goal: Offer clients flexibility in payment options.

Integrate an invoicing system with payment processing capabilities.

  • Clients receive invoices electronically.
  • Clients make payments securely online using various methods that are convenient for them.
Fitness Studio

Fitness Studio

Goal: Simplify class registration and payment collection.

Utilize an online booking system with integrated payment processing.

  • Customers can register and pay for classes in advance.
  • Reduce administrative overhead.
  • Ensure a smoother check-in process at studio.

Manage your business from 
anywhere with any device.

Heartland’s powerful back office allows you to do reporting, inventory, and employee management in 
a way that works for your busy schedule. 

  • Easily run reports for adjustments, authorizations, batches, card activity, IRS reporting, charge back
 and retrieval reports for your business. 
  • Analyze sales by day, week, month, or by user.
  • Employee management features: user 
permissions, time clock reports and custom 
pay period management. 
  • Full inventory management, including quantity tracking and inventory lookup. 

Joes N Dine

A OneAZ business banker introduced me to Heartland Merchant Services, which has made my banking experience more efficient and meaningful. This menu-ordering and card-processing system is amazing. It is so comprehensive and affordable to the point that I made the switch even though I was still in a contract with another company!

Joe Goodman, owner of Joe's Ride N Dine restaurant in Safford


Complete the form to learn about merchant services.

A Business Deposit Services Officer will reach out to you within 48 hours. 

Ready to get started with customized payment processing solutions for your business?

Contact a Business Deposit Services Officer today! 

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