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Customer paying at a merchant counter

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.

Trends & Insights

March 06, 2024

How can I manage cash flow as my business grows?

Cash flow management is vital in a growing business to prevent cash flow issues. Read these tips to help manage cash flow in your growing business.

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October 10, 2023

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.

Read more…

April 19, 2023

5 steps for improving cash flow at your dental practice

The biggest threat to a dental practice’s long-term success is not a lack of profit, it’s a lack of cash flow.

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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

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

Gateway options

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

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

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

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?

October 27, 2023

Nation’s second-oldest orchestra, St. Louis Symphony Orchestra, investing $140 million in its next act.

Their belief in the life-enriching power of music is driving the $140 million renovation and expansion program currently underway at Powell Hall, the historic landmark that the SLSO has called home in Grand Center since 1968.

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October 12, 2023

ETS-Lindgren, solves a common AR challenge.

With Commerce Bank’s help, ETS-Lindgren is currently exploring ways to offer that option through the company’s ERP (enterprise resource planning) system

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October 06, 2023

Columbia-based mortgage lender, Veterans United, just keeps growing.

Commerce helped provide an AP incentive program for this company to keep grow with it's customers.

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Have a question?

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

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