Merchant Payment Services Made Simple

Payment Processing That Works for Your Business

Every time a customer pulls out a card or taps a phone, your payment processor takes a slice of the sale. Servus Credit Union merchant services keeps that slice thin and predictable with interchange-plus pricing, so you see exactly what the card networks charge and exactly what Servus adds. No bundled rates, no hidden surcharges, no long-term lock-in contracts that penalize you for leaving. The credit union provides the hardware, the gateway, and the support — and your funds land in your Servus business checking account the next business day.

In-Store Card Processing

Whether you run a retail shop, a restaurant, or a service counter, Servus CU equips you to accept every payment method your customers carry. Countertop EMV terminals process chip cards and contactless taps — including Apple Pay, Google Pay, and Samsung Pay — with the same quick beep customers expect. Wireless terminals let servers and floor staff bring the payment to the customer rather than walking a card to the back, which reduces fraud risk and speeds table turns. If your business operates in the field — a contractor accepting payment on a job site, a vendor working a farmers market — Servus provides mobile card readers that pair with a smartphone or tablet and connect through the cellular network, so you are not dependent on venue Wi-Fi. The processing rate for in-person, chip-and-PIN transactions is the lowest tier in the interchange schedule because these transactions carry the least fraud risk. Servus passes that savings through to you.

Online and E-Commerce Payments

The credit union's payment gateway integrates with most major e-commerce platforms — Shopify, WooCommerce, Magento — and also provides a hosted payment page for businesses that do not run a full online store but want to accept payments through a link in an invoice or an email. Customers enter their card details on a PCI-compliant, SSL-encrypted page hosted by Servus, so your website never touches sensitive cardholder data and your PCI compliance burden shrinks substantially. The virtual terminal handles phone orders and mail-order transactions: you key in the card number while the customer is on the line, and the charge processes in real time. Recurring billing for subscriptions and memberships is built into the gateway, with configurable billing intervals, retry logic for failed payments, and automated email receipts. Online transactions carry a slightly higher interchange rate because the card is not physically present, but Servus CU's markup remains flat and transparent regardless of channel.

Invoicing and Mobile Payments

Servus merchant services includes a digital invoicing tool that lets you create and send professional invoices from your phone or desktop. Each invoice contains a Pay Now button that drops the customer into the secure payment page. You can set payment terms, add line items, attach supporting documents, and track which invoices have been viewed, paid, or ignored. Automated reminders nudge customers when invoices approach their due date, reducing the time you spend chasing receivables. For businesses that sell on the go, the mobile card reader and companion app turn any smartphone into a point-of-sale terminal. The app captures signatures on screen, emails or texts receipts, and syncs transactions with the Servus merchant portal and your business checking account in real time. Inventory tracking is available as an add-on, and the system can even calculate and add sales tax based on your location and product categories, saving you from manual tax-table lookups at the end of each month.

Next-Day Funding

Cash flow is the oxygen supply of a small business, and waiting three to five days for card transactions to settle can choke it. Servus Credit Union merchant services defaults to next-business-day funding for all standard settlement accounts. Transactions batched and settled before the daily cutoff — typically 8:00 PM Eastern — appear in your Servus business checking account by the next morning. For higher-volume merchants with consistent processing history, same-day funding is available for a nominal per-transfer fee, depositing settled transactions within hours of batch close. This accelerated funding cycle means you can pay suppliers, cover payroll, and restock inventory without bridging the gap with a credit card or line of credit. Since the funds land in your Servus account, there is no extra external transfer holding period — the money is available for same-day ACH, wire, or debit card use immediately upon posting.

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Frequently Asked Questions About Merchant Services

1. What payment types does Servus Credit Union merchant services accept?

   Servus Credit Union merchant services processes Visa, Mastercard, American Express, and Discover — both credit and debit — along with contactless payments from digital wallets including Apple Pay, Google Pay, and Samsung Pay. ACH e-check payments are also supported through the virtual terminal and online payment gateway. The countertop terminals accept EMV chip cards and NFC taps. Mobile card readers handle magnetic stripe, chip, and contactless payments from a smartphone. The payment gateway for e-commerce sites processes all major card brands and digital wallets. Servus CU does not add surcharges for accepting American Express — the interchange-plus pricing model applies the same transparent structure across all card brands, so you are not penalized for accepting a particular card type.

2. How much do Servus merchant processing fees actually cost?

   Servus Credit Union uses interchange-plus pricing rather than tiered or bundled pricing, which means you pay the wholesale interchange fee set by the card networks plus a fixed Servus markup per transaction. In-person chip transactions typically carry a markup of 0.25% plus $0.10 per transaction. Online and keyed-in transactions run about 0.45% to 0.55% plus $0.15 because card-not-present transactions carry higher interchange rates due to elevated fraud risk. The interchange portion — which accounts for most of the total cost — depends on the card type: basic consumer debit cards have the lowest interchange, while premium rewards credit cards sit at the high end. Servus CU provides a rate analysis before you sign up, running your last three monthly processing statements through the interchange-plus model so you can compare the projected cost against what you currently pay. Most businesses that switch from flat-rate or tiered processors see a meaningful reduction in their effective processing rate, especially if they process a high proportion of debit card transactions.

3. What hardware and equipment does Servus CU provide for payment processing?

   The credit union offers countertop EMV terminals for fixed-location checkout, wireless handheld terminals for tableside or curbside payment, and mobile card readers that connect to a smartphone or tablet for businesses on the move. Full point-of-sale systems with touchscreen displays, barcode scanners, receipt printers, and cash drawers are available for retail and restaurant environments. Equipment can be purchased outright or leased through Servus, and lease terms are disclosed clearly — no auto-renewing leases that quietly lock you in for another year. Terminal software receives automatic security updates, and if hardware fails, replacement units ship overnight. For businesses that do not need physical terminals — an online retailer, a service business that invoices clients — the payment gateway and virtual terminal handle all payment acceptance through a web browser, with no hardware required. Servus also provides a mobile app that turns a smartphone camera into a barcode scanner for inventory and checkout.

4. Can I send invoices and accept payments online without a full e-commerce website?

   Absolutely. Servus merchant services includes a digital invoicing platform that works independently of any website. You create an invoice from the merchant portal or mobile app, add line items and payment terms, and send it to your customer by email or text message. The customer clicks the Pay Now button in the invoice, enters their card details on a secure hosted payment page, and the funds settle to your Servus business checking account. You can also generate a generic payment link to share in an email, on social media, or in a text conversation — no invoice required. For recurring billing, the platform supports subscription plans with configurable billing frequencies (weekly, monthly, quarterly, annual) and automated retry logic that reattempts failed payments on a schedule you define. All transaction data flows into your Servus merchant dashboard and can be exported for accounting software integration. The platform is PCI DSS compliant and uses tokenization, so card numbers are stored as non-sensitive tokens rather than raw digits.

5. What happens if there is a chargeback or disputed transaction?

   When a customer disputes a charge, the card-issuing bank initiates a chargeback that debits the transaction amount plus a chargeback fee from your Servus merchant account. The credit union notifies you through the merchant portal and provides a response deadline — typically 10 to 20 days depending on the card brand and reason code. You can upload evidence to fight the chargeback: a signed receipt, delivery confirmation, communication with the customer, your refund policy, or any other documentation that supports the validity of the charge. Servus CU provides guidance on what evidence each reason code requires and reviews your response package for completeness before submitting it to the card network. If the chargeback is resolved in your favor, the funds and fee are returned. Servus also offers fraud-prevention tools — CVV verification, AVS address matching, velocity filters that flag unusual transaction patterns — that reduce the likelihood of chargebacks occurring in the first place. For detailed chargeback rules and consumer protection information, visit consumerfinance.gov.

Start Accepting Payments with Servus CU

Switch to transparent interchange-plus pricing, get next-day funding, and keep more of every sale. A Servus merchant services specialist will review your current processing statement and show you the savings.