--- title: Merchant Services that Don't Cut Corners description: Bank Independent Merchant Services can be custom-tailored for your business so you don't have to cut corners using other solutions. image: https://blog.bibank.com/hubfs/poynt%20w%20bank%20card.jpg --- FDIC-Insured - Backed by the full faith and credit of the U.S. Government [![bibank-logo](https://blog.bibank.com/hubfs/BankIndependent_October2025/Images/bibank-logo.svg "bibank-logo")](https://bibank.com/) [![svgviewer-png-output (11)](https://blog.bibank.com/hs-fs/hubfs/BankIndependent_October2025/Images/svgviewer-png-output%20(11).png?width=47&height=31&name=svgviewer-png-output%20(11).png "svgviewer-png-output (11)")](https://bibank.com/) - Personal - Deposit - [Compare Checking](https://bibankcom/personal/compare-checking) - [Independent](https://bibank.com/personal/independent-checking) - [Independent Plus](https://bibank.com/personal/independent-plus-checking) - [Independent Plus Student](https://bibank.com/personal/independent-plus-student-checking) - [Independent Plus Senior](https://bibank.com/personal/independent-plus-senior-checking) - [Independent Interest](https://bibank.com/personal/independent-interest-checking) - [Value](https://bibank.com/personal/value-checking) - [Debit Cards](https://bibank.com/personal/debit-cards) - Save - [Compare Savings](https://bibank.com/personal/compare-savings) - [Savings](https://bibank.com/personal/savings) - [Student Savings](https://bibank.com/personal/student-savings) - [Money Market](https://bibank.com/personal/money-market) - [Certificates](https://bibank.com/personal/certificates) - [IRAS](https://bibank.com/personal/iras) - Borrow - [Home Loans](https://bibank.com/personal/home-loans) - [Personal Loans](https://bibank.com/personal/loans) - [Credit Cards](https://bibank.com/personal/credit-cards) - Sync - [ATM Live](https://bibank.com/personal/atm-live) - [Mobile Banking](https://bibank.com/personal/mobile-banking) - [Mobile Deposit](https://bibank.com/personal/mobile-deposit) - [Online Banking](https://bibank.com/personal/online-banking) - Business - Deposit - [Compare Checking](https://bibank.com/business/compare-checking) - [Premier Analysis](https://bibank.com/business/premier-analysis) - [Business Interest](https://bibank.com/business/interest) - [Small Business](https://bibank.com/business/small-business) - [Micro Business](https://bibank.com/business/micro-business) - [Non-Profit](https://bibank.com/business/non-profit) - Save - [Compare Savings](https://bibank.com/business/compare-savings) - [Savings](https://bibank.com/business/savings) - [Smart Money Market](https://bibank.com/business/smart-money-market) - [Certificates](https://bibank.com/business/certificates) - Borrow - [Real Estate](https://bibank.com/business/real-estate) - [Business Loans](https://bibank.com/business/loans) - [Credit Cards](https://bibank.com/business/credit-cards) - Solutions - [Mobile Banking](https://bibank.com/business/mobile-banking) - [Online Banking](https://bibank.com/business/online-banking) - [Cash Management](https://bibank.com/business/cash-management) - [Treasury Solutions](https://bibank.com/business/treasury-solutions) - [Merchant Services](https://bibank.com/business/merchant-services) - [Meet Our Team](https://bibank.com/business/meet-our-team) - [Invest](https://bibank.com/invest) - Resources - Financial Calculators - Open an Account - Mortgage Application - Loan Application - FAQ - Refer a Friend - Connect - About Us - [Our Story](https://bibank.com/connect/our-story) - [Contact Us](https://bibank.com/contact) - [Locations & Hours](https://bibank.com/connect/locations) - Community - [Helping Hands Foundation](https://bibank.com/connect/helping-hands-foundation) - [Donations & Sponsorships](https://bibank.com/connect/donations-and-sponsorships) - [Donation Requests](https://bibank.kadince.com/external/forms/7276a36a9364fd3f4c8925185201fd12) - [Volunteer Request](https://bibank.kadince.com/external/forms/a6d4856c95b2f87268861e6224303fdc) #### 4140 Parker Ave, St. Louis, MO 63116 #### [(207) 555-0119](tel:2075550119) - ![svgviewer-png-output (10)](https://blog.bibank.com/hubfs/BankIndependent_October2025/Images/svgviewer-png-output%20(10).png) [Open an account](https://bibank.com/resources/open-an-account) [Login](https://bibank.com/) [Open an account](https://bibank.com/resources/open-an-account) [Login](https://bibank.com/) **What can we help you find?** Search Bank Independent Start Site Search - Common Searches - [Compare Personal Checking](https://bibank-2025.cms.banno-staging.com/personal/compare-checking) - [Contact Us](https://bibank-2025.cms.banno-staging.com/contact) - [Home Loans](https://bibank-2025.cms.banno-staging.com/personal/home-loans) - [Helping Hands Foundation](https://bibank-2025.cms.banno-staging.com/connect/helping-hands-foundation) - [Compare Business Checking](https://bibank-2025.cms.banno-staging.com/business/compare-checking) Routing Number 06​220​5791 ![Merchant Services that Don't Cut Corners](https://blog.bibank.com/hubfs/poynt%20w%20bank%20card.jpg) # Merchant Services that Don't Cut Corners - Home - [Bank Independent Blog](https://blog.bibank.com/blog) - Merchant Services that Don't Cut Corners [Lynda Darby](https://blog.bibank.com/blog/author/lynda-darby) 10/28/2021 [Banking and Technology](https://blog.bibank.com/blog/topic/banking-and-technology), [Financial Fitness](https://blog.bibank.com/blog/topic/financial-fitness) [0 Comments](https://blog.bibank.com/blog/merchant-services-that-dont-cut-corners#postComment) 2 Minutes Retail and business owners understand how important having the right merchant services can be to the success of their business. Merchant services are basically a business’s ability to process payments for goods or services through a multitude of transactions such as card readers, contactless payments, or online shopping. So, why rely on a simple plug-in card reader to run your business? It’s like trying to put a square peg into a round hole...it’s just not a good fit. Depending upon the needs of your business, you can elect to receive basic payment processing capabilities…or you can choose a more elaborate hardware and software system. Consider everything a robust system fully has to offer and eliminate features from your wish list which your business doesn’t require. A Bank Independent [**Treasury Solutions**](https://www.bibank.com/business/bank/meet-our-team) specialist can custom-tailor a suite of merchant services that's the right fit for your business. ## **Features and Benefits** ### **Card Readers** Card readers are still a great option to ensure that your business is capable of accepting all types of payments on site or online. If you operate a traditional on-premise business, a standard terminal is a great piece of hardware which allows your business multiple transaction types. ### **Mobile Card Readers** Mobile card readers offer payment mobility and convenience for businesses that operate off-site or outside of a traditional store front. The card reader attaches to a mobile device and utilizes cellular or WiFi data to process transactions securely and conveniently. This is an effective tool for sales teams, service providers, entrepreneurs and non-profit organizations to manage transactions on the go. ### **Handheld Terminals** For mobility within a business, consider a handheld Bluetooth or wireless terminal. This type of payment terminal connects to 3G, Wi-Fi and/or Bluetooth and doesn’t require the user to plug-in to a station. This is a great fit for your team to bring the sale to the customer to complete the transaction in settings like restaurants and retail. ### **Compatible with Multiple Payment Types** Widely-used credit and debit cards: This includes Visa®, MasterCard®, Discover®, and American Express®, Contactless/Digital Wallet payments to include Apple Pay, Google Pay, and Samsung Pay, and Secure Payments such as EMV or "chip" cards for secure, encrypted transactions. ### **Payments Software** The software solution you choose can help you manage your point-of-sale systems, track and manage inventory, process inventory through bar codes, as well as provide the support for virtual shopping carts for online purchases. #### **All-in-one, plug-and-play system** The most robust solution for any business is an all-in-one, plug-and-play system that integrates sophisticated yet easy to use terminals backed by an integrated software system. Often presented as the next step up after graduating from standard or mobile card readers, it’s to the benefit of a business to consider an all-in-one system first. Best of all, it can be custom-configured to your business' unique needs. ### **Loyalty Programs** A well-structured loyalty program can provide keen insights into customer trends, identifying frequency and purchasing power. It can help identify reward levels commiserate with the customer’s level of loyalty. ## **Real, Local, Free Consultation** Our Treasury Solutions team wants to help you succeed with Merchant Services right for your business. We provide onsite (*or virtual*) consultation service to help customize your solution and provide ongoing local support. We’ll find the best solution to ensure your business never has to miss a sale, even when you're away from your store. To learn more about the types of hardware and software solutions we offer, contact us today for:   - A dedicated [**Treasury Solutions team**](https://www.bibank.com/business/bank/meet-our-team) available for complimentary on-site consultations and follow-up - Flat-rate pricing - Self-service online reporting - 24/7 customer service by phone - Electronic or paper statements Give us a call Monday through Friday from 8:00 a.m. to 5:00 p.m. at (256) 386-5000 or (877) 865-5050 to speak to a Treasury Solutions Specialist. Don't settle for a one-size fits all product that really doesn't suit your business.  Reach out to our Treasury Solutions team today and let us create a solution that meets all your needs. ## **A better fit.  Bank Independent.** --- #### Tag: [Banking and Technology](https://blog.bibank.com/blog/topic/banking-and-technology) [Financial Fitness](https://blog.bibank.com/blog/topic/financial-fitness) #### Share: - [Follow us on Facebook](http://www.facebook.com/share.php?u=https://blog.bibank.com/blog/merchant-services-that-dont-cut-corners) - [Follow us on Twitter](https://twitter.com/intent/tweet?url=https://blog.bibank.com/blog/merchant-services-that-dont-cut-corners&text=Merchant%20Services%20that%20Don't%20Cut%20Corners) - [Follow us on Linkedin](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.bibank.com/blog/merchant-services-that-dont-cut-corners) - [Follow us on Pinterest](http://pinterest.com/pin/create/button/?url=https://blog.bibank.com/blog/merchant-services-that-dont-cut-corners&text=Merchant%20Services%20that%20Dont%20Cut%20Cornersdescription=Retail%20and%20business%20owners%20understand%20how%20important%20having%20the%20right%20merchant%20services%20can%20be%20to%20the%20success%20of%20their%20business.%20Merchant%20services%20are%20basically[...]&media=https://f.hubspotusercontent10.net/hubfs/377014/poynt%20w%20bank%20card.jpg) --- #### [Build Business Loyalty in 5 Steps Previous Post](https://blog.bibank.com/blog/build-business-loyalty-in-5-steps) #### [Ask an Intern: Just Starting Out. Can LinkedIn Help? Next Post](https://blog.bibank.com/blog/ask-an-intern-just-starting-out.-can-linkedin-help) ### Leave a Reply This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### Category - [Press Releases (151)](https://blog.bibank.com/blog/topic/press-releases) - [Financial Fitness (125)](https://blog.bibank.com/blog/topic/financial-fitness) - [Banking and Technology (101)](https://blog.bibank.com/blog/topic/banking-and-technology) - [Community Insights (59)](https://blog.bibank.com/blog/topic/community-insights) - [Culture (5)](https://blog.bibank.com/blog/topic/culture) ### Popular Posts [Bailey Lovell](https://blog.bibank.com/blog/author/bailey-lovell) 08/09/2017 [Banking and Technology](https://blog.bibank.com/blog/topic/banking-and-technology) [A Former Bank Teller Reveals Answer To Your Number 1 Question](https://blog.bibank.com/blog/a-former-teller-answers-your-most-asked-question) [Ashley Balch](https://blog.bibank.com/blog/author/ashley-balch) 06/11/2026 [Press Releases](https://blog.bibank.com/blog/topic/press-releases) [Bank Independent Promotes New Assistant Vice Presidents, Celebrating a Culture of Hard Work and Strong Leadership](https://blog.bibank.com/blog/bank-independent-promotes-new-assistant-vice-presidents-celebrating-a-culture-of-hard-work-and-strong-leadership) [Ashley Balch](https://blog.bibank.com/blog/author/ashley-balch) 09/13/2022 [Banking and Technology](https://blog.bibank.com/blog/topic/banking-and-technology) [The Complete Guide of How to Use a Contactless Debit Card](https://blog.bibank.com/blog/the-complete-guide-of-how-to-use-a-contactless-debit-card) [Ashley Balch](https://blog.bibank.com/blog/author/ashley-balch) 10/10/2023 [Banking and Technology](https://blog.bibank.com/blog/topic/banking-and-technology) [What is a Contactless Debit Card and Why Do I Need One?](https://blog.bibank.com/blog/what-is-a-contactless-debit-card) --- ## Related Posts [Financial Fitness](https://blog.bibank.com/blog/topic/financial-fitness) [Ashley Balch](https://blog.bibank.com/blog/author/ashley-balch) 28 April, 2026 #### [Set It and Forget It: Automating Your Finances](https://blog.bibank.com/blog/set-it-and-forget-it-automating-your-finances) Life moves fast. Between work, family, and everything else on your plate, keeping up with your... [Read More](https://blog.bibank.com/blog/set-it-and-forget-it-automating-your-finances) [Financial Fitness](https://blog.bibank.com/blog/topic/financial-fitness) [Stephanie Hipps](https://blog.bibank.com/blog/author/stephanie-hipps) 16 April, 2026 #### [How ACH Positive Pay Helps Business Owners Protect Their Accounts](https://blog.bibank.com/blog/how-ach-positive-pay-helps-business-owners-protect-their-accounts) Running a business means keeping a close eye on your money. While you are focused on serving... [Read More](https://blog.bibank.com/blog/how-ach-positive-pay-helps-business-owners-protect-their-accounts) [Financial Fitness](https://blog.bibank.com/blog/topic/financial-fitness) [Ashley Balch](https://blog.bibank.com/blog/author/ashley-balch) 09 April, 2026 #### [Five Small Steps That Can Make a Big Difference](https://blog.bibank.com/blog/five-small-steps-that-can-make-a-big-difference) Financial confidence is not built overnight. It grows through simple habits, intentional choices,... [Read More](https://blog.bibank.com/blog/five-small-steps-that-can-make-a-big-difference) - Give Us A Call - [(256) 386-5000 8am-8pm](tel:12563865000) - [(877) 865-5050 Mon-Sat](tel:18778655050) - [(866) 478-5010 Automated](tel:18664785010) - Common Questions - Routing #062205791 - [Careers](https://bibank.com/careers) - [FAQs](https://bibank.com/resources/faq) - Other Info - [Terms & Conditions](https://bibank.com/terms) - [Privacy Policy](https://bibank.com/privacy) - [Identity Protection](https://bibank.com/identity-protection) - [Website Feedback](https://bibank.com/accessibility-feedback) - Fraud Center - [(800) 237-8990 Debit](tel:18002378990) - [(855) 401-4743 Credit](tel:18554014743) - Send Us a Message - [customerservice@bibank.com Email](mailto:customerservice@bibank.com) - [View our secure form Online](https://bibank.com/contact) [![bibank-brandmark](https://blog.bibank.com/hubfs/BankIndependent_October2025/Images/bibank-brandmark.svg "bibank-brandmark")](https://bibank-2025.cms.banno-staging.com/) Bank Independent is a full-service community bank in North Alabama with branches throughout Colbert, Franklin, Lauderdale, Lawrence, Limestone, Madison, and Morgan counties. © 2025 Bank Independent. | [Sitemap](https://bibank-2025.cms.banno-staging.com/sitemap) | [Equal Housing Lender](https://www.hud.gov) [![svgviewer-png-output (6)](https://blog.bibank.com/hs-fs/hubfs/BankIndependent_October2025/Images/svgviewer-png-output%20(6).png?width=42&name=svgviewer-png-output%20(6).png "svgviewer-png-output (6)")](https://www.facebook.com/BankIndependent/) [![svgviewer-png-output (7)](https://blog.bibank.com/hs-fs/hubfs/BankIndependent_October2025/Images/svgviewer-png-output%20(7).png?width=42&name=svgviewer-png-output%20(7).png "svgviewer-png-output (7)")](https://www.instagram.com/bank_independent/) [![svgviewer-png-output (8)](https://blog.bibank.com/hs-fs/hubfs/BankIndependent_October2025/Images/svgviewer-png-output%20(8).png?width=42&name=svgviewer-png-output%20(8).png "svgviewer-png-output (8)")](https://www.linkedin.com/company/bank-independent/) [![svgviewer-png-output (9)](https://blog.bibank.com/hs-fs/hubfs/BankIndependent_October2025/Images/svgviewer-png-output%20(9).png?width=42&name=svgviewer-png-output%20(9).png "svgviewer-png-output (9)")](https://x.com/bibankal) [![biblog-logo](https://blog.bibank.com/hubfs/BankIndependent_October2025/Images/biblog-logo.svg "biblog-logo")](https://blog.bibank.com/blog?__hstc=235776990.507236a8091338d1326ffb5d4cc37315.1760504391102.1760504391102.1760508234988.2&__hssc=235776990.2.1760508234988&__hsfp=2385172338&_ga=2.27596156.175062658.1760504389-156531646.1760504389) ![monitor-badge-dark](https://blog.bibank.com/hs-fs/hubfs/BankIndependent_October2025/Images/monitor-badge-dark.png?width=88&name=monitor-badge-dark.png "monitor-badge-dark") ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Lynda Darby", "url" : "https://blog.bibank.com/blog/author/lynda-darby" }, "dateModified" : "2021-10-28T21:23:56.778Z", "datePublished" : "2021-10-28T21:23:56.000Z", "headline" : "Merchant Services that Don't Cut Corners", "image" : [ "https://blog.bibank.com/hubfs/poynt%20w%20bank%20card.jpg" ], "mainEntityOfPage" : { "@id" : "https://blog.bibank.com/blog/merchant-services-that-dont-cut-corners", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.bibank.com/hubfs/BI-Logo-380_Green.png" }, "name" : "Bank Independent" } } ```