From our consultative approach to our robust selection of products, there are several factors that make Commerce Bank a strong financial partner for our customers, as we have been for over 150 years. First and foremost, we take the time to get to know our clients and what’s really important to them. If you currently bank with us, you already know the level of service and commitment that we provide on a daily basis. It’s no different with our Merchant Services program – we’ve been applying those same qualities to payment processing solutions for nearly 50 years. Our best-in-class service is epitomized by our exceptional customer retention rate. We realize that everyone has unique needs and we will work with you to understand your goals.
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Give your customers the options they deserve
We understand shoppers make payments in a variety of ways. That’s why we’ve developed flexible solutions for both you and them. We make it easy to accept credit, debit, gift and chip cards, as well as contactless payments and checks. You can reduce time dealing with acceptance issues and spend that valuable time growing your business.
Having multiple acceptance options is essential for your business to be successful. We make it easy to accept credit, debit, gift and chip cards, as well as contactless payments and checks.
No matter the size of your business, we have an E-commerce solution to fit your needs. Whether you are looking for a seamless, web-based customer experience or the latest security features, we can help take your business to the next level.
Is your business on the go? Accept payments anywhere, at any time, by transforming mobile devices into secure, point-of-sale solutions.
What steps are you taking to ensure that your customers' credit card data is secure and confidential? We partner with TrustWave® to help you comply with the Payment Card Industry Data Security Standard (PCI DSS) and identify any additional steps needed to help you protect your business.
Protect your customers
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 (PCI DSS) at all times. Our knowledgeable staff takes your security very seriously. We employ a dedicated Compliance Services Manager to help you navigate security threats and help you protect your business as well as your customers. Trust us to assist with securing your payment card data to help keep customers happy.
Unsure if you are PCI compliant? Call us at 800.828.1629 and let us help!
Top 5 Reasons for Data Compromise:
- Unprotected Internet connection
- E-Commerce website security
- Weak passwords and sharing credentials
- Insecure payment applications or 3rd party integration
- Viruses, malware and spyware
At your service
Merchant Services can be a complex and confusing industry, and we know you have questions — in fact, we welcome them. You’ll have a team of Commerce Bank professionals dedicated to your account to help get you set up, answer questions and provide ongoing support. Whether you’re dealing with interchange management, dispute resolution, EMV technology or all of the above, we’ve got you covered. By insourcing what others outsource, we can assure you’ll speak to a highly-trained, Commerce Bank employee who will offer thoughtful answers to your questions. You are busy running your business, and our employees respect your time. That’s why we’ve ditched our calling trees and will directly connect you to a real human being when you call during normal business hours.
We support our business customers in a unique way. Our commitment to loyalty and best-in-class service epitomizes our exceptional customer retention rate. Our employees have the skills required to perform in today’s complex payment environment. Here is an overview of the professionals you’d be working with:
These on-boarding specialists focus on your account setup as well as provide you and your staff with training
This team targets your long-term goals and growth potential, providing you with strategic direction throughout the life of our relationship
From your initial design to ongoing technical support, this group manages all of your technical facets, including awareness and understanding and progression toward PCI DSS compliance
Merchant Support Center
These highly skilled Commerce Bank employees are committed to assisting with daily payment processing maintenance. When you need us - we'll be here. We believe that's service done right.
I want to switch processors, but I'm in the middle of a contract. Can Commerce help?
What’s the value in changing processors? How can it benefit me?
Commerce Bank separates itself by providing value as a full service bank, offering deposit accounts, business loans and other banking needs, not to mention extremely competitive and transparent rates.
Isn’t it cheaper for me to not accept cards?
Offering your customers additional ways to pay can boost sales. You also won’t be relying on customers to always carry enough cash. Additionally, we offer quick access to funds while possibly decreasing bank costs. The benefits of card acceptance often outweigh the costs.
What if I am already getting a good discount rate from my current provider?
Your discount rate is just one factor in pricing. Other fees and how you process cards can affect what you truly pay. Let us do a no obligation cost analysis to determine how low your rate really is.
This is a very busy time of year for me. Should I wait until business slows down before I switch?
The busiest times provide the best opportunity to save money since you are most likely taking in more credit card payments during this time, resulting in higher costs.
What kind of support do you offer?
Our support team offers consultation you likely aren’t receiving, helping you maintain up-to-date terminal software and assist you with warranty issues – services you are likely not getting from an online provider.
What terms and conditions are involved?
The card brands require an agreement to be signed in order to process their credit cards. This holds us accountable and lets you know we promise to honor its terms and conditions.
Why do I need to give you copies of my statements?
We’ve helped businesses save on processing expenses by uncovering unnecessary or excessive fees. And, of course, we will handle all of your information with care and security in mind.
My current ISO uses First Data for processing. How will this affect my transition to Commerce Bank?
Good news — First Data is our processing partner. The only thing that will change is the benefit of direct customer service from our in-house support team.
What is the PCI Self-Assessment Questionnaire?
The questionnaire is a set of multiple-choice questions designed to identify your card acceptance and processing environment. It’s designed to assess your compliance with the PCI requirements of all card associations regarding your policies, procedures, administrative controls, access controls and physical security measures as they pertain to those systems that store, process or transmit cardholder data.
What is a quarterly network scan?
The scan, often called a vulnerability scan, is conducted by a third-party vendor of your external-facing IPs. It identifies systems that are not secure and could be open to a security breach or data compromise. Together, the questionnaire and the scan provide a snapshot of how well you are protecting your cardholder data that you store, process or transmit. A passing scan and passing questionnaire recognizes your business as PCI compliant. If you don’t pass the scan and/or questionnaire, you are considered non-compliant. We are happy to work with you to address the areas of weakness, risk and vulnerability.
What happens if I am not PCI Compliant?
If you do not comply with the security requirements of the card associations, your business may be at risk for compromise. You are subject to fines from the card associations for non-compliance, and if compromised, you are at risk for financial loss, additional fines, loss of business, damage to your brand's reputation and other critical systems failures. For any questions, or to check your compliance status, please call our Merchant Support team at 800.828.1629.
Questions? We’re up for the challenge.
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