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Our Solutions | Payments & Treasury Services

Merchant Services

Personalized payment acceptance solutions

The number of people carrying cash is rapidly shrinking, so as a small business owner, it’s imperative that you offer your customers multiple ways to pay for your product or service. Options include checks, debit cards, electronic and mobile payments and of course, credit cards.

As payment technology continues to evolve, so has the term “merchant services.” No longer does this simply refer to the act of accepting and processing credit card payments. It now encompasses online gateways, point-of-sale systems, fraud protection and more.

Every touchpoint with your customers is essential from the moment they walk through your door, visit your website or check out. And just like the unique goods or services you provide, there is no one-size-fits-all answer for our customers. Our consultative approach allows us to tailor customized solutions while providing continuous support throughout our relationship to help our clients achieve their business objectives, whether that’s improving cash flow, reducing operating costs, minimizing exposure to risk — or all of the above.


Insights and Stories

October 17, 2025

4 strategies to protect your business from falling victim to fraudulent activities.

Accounts payable and receivable departments are one of the most vulnerable areas of fraud for any business.

September 26, 2025

Small businesses should look for these qualities in a bank.

A strong banking relationship can do more than provide a safe place for funds. Here are key areas small businesses should evaluate when choosing a bank.

September 26, 2024

A crowning achievement

Benco Dental's implementation of a supplemental AP card program through Commerce Bank not only doubled supplier enrollment and revenue share within six months, but also significantly improved cash flow by reducing reliance on checks and enhancing flexibility in payment options for suppliers.

View all Insights and Stories

Customer using Clover payment method

Point-of-sale systems do so much more than simply process payments. In today’s world, they can be a valuable resource in running your business. You need a flexible solution that is scalable as your business grows.

Learn more about Clover

Integrated payment solutions

Diversified payment devices illustration

Grow your business, streamline business operations and increase customer satisfaction. Integrated payment solutions can improve reconciliation processes by removing inconvenient, manual tasks.

Gateway options

Computer security illustration

Our technology acts as the “middle man” to encrypt and tokenize sensitive credit card information to ensure your transactions are handled in a safe manner for online and other card-not-present scenarios.

Dedicated support

Smiling businessman answering a customer call

While many banks have withdrawn from the merchant services business, we realize no one can provide the level of support our customers deserve better than our own employees. This translates into a client retention rate far exceeding the industry average.

Transparent pricing

Pricing spreadsheets illustration

Whether you are looking for a flat rate or tiered pricing, we’d love to do a cost-free analysis and see what would work best for your business and where we may be able to save you money. Our straightforward pricing shows exactly what you are paying for every month — no hidden fees or vague statements.

Protect your customers

Credit Card lock security

Safeguarding your cardholders’ data is not only good for business, it’s a requirement. All merchants who accept payment card transactions must be compliant with the Payment Card Industry Data Security Standard at all times.

We employ a dedicated Compliance Services team to help you navigate security threats and protect your business as well as your customers.

What do our customers have to say?

January 14, 2026

Construction’s next chapter: Challenges, demand and opportunity.

Construction firms should take advantage of opportunities to expand and diversify while managing risks and exploring emerging technologies.

January 13, 2026

How to reclaim your time with technology

CashFlow Complete from Commerce Bank streamlines invoicing, bill pay, and accounting integration to save businesses time, improve cash flow, and boost efficiency.

January 12, 2026

5 warning signs of cash flow trouble.

With the right planning, tools and banking guidance, you can take control of your cash flow and create the stability you need to grow your business.

Have a question?

Need more information regarding our services? We are ready to answer your questions.

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