curly-haired woman taps her debit card to pay for a latte at a Grand Forks, ND, coffee shop using Gate City Bank merchant services

Merchant Services 
Made for Your Business.

Accept card payments onsite, online and on the go! With Gate City Bank, payment processing is simple, streamlined and secure – complete with local service right here in ND and MN.

Connect With a Banker

Your Business. Your Way.

Take cards and contactless payments anywhere.

Enjoy terminals with wireless, Bluetooth and tap-and-pay.

Stay secure with mobile and cloud processing.

Manage loyalty programs, gift cards and more.

Local. Personalized. Trusted.

As a business owner, you have plenty of things to think about every day. Customer payment logistics shouldn’t be one of them! From seamless transactions to deposit tracking, our merchant services make it easy to focus on what matters most to your business.

  • Card and contactless payments

    Accept all major credit and debit cards, including American Express®, Discover®, Mastercard®, Visa® and commercial cards. Plus, offer your customers the convenience of digital options, such as Apple Pay®, Samsung Pay® and Google Pay™.

  • Online shopping carts

    Provide a quick, seamless checkout experience with integrations that connect to your website’s online store.

  • Rewarding retail incentives

    Offer gift card and loyalty programs to deepen relationships with your customers.

  • Advanced terminals

    Securely take payments in store, online or on the move – complete with point-of-sale (POS) and virtual terminals equipped with wireless, Bluetooth, tap-and-pay and payment gateways.

  • Local difference

    With local representation and servicing in ND and MN, we’re right by your side.

  • Transparent pricing

    Never be surprised by unexpected or excessive transaction fees, so you can price with confidence.

Get Started With a Banker

“I decided to open my business account with Gate City Bank because of the lack of fees and charges. I think the customer service sets this bank apart from the others. Even all the tellers are super nice and friendly. They are doing things right.”

– Zachary C., Fargo, ND

Close-up of young man in Fargo, ND, tapping his credit card to pay at a local business that uses Gate City Bank merchant services

Have Questions About Merchant Services? We Can Help!

Merchant services, often identified as credit card processing, have to do with the handling of electronic payment transactions for business customers.

Through our partnership with Fiserv, there are multiple merchant service solutions available for business customers:

  • Gateways and virtual terminals
  • EMV countertop terminals
  • POS systems
  • Mobile card processing
  • Internet processing
  • Petroleum/fleet card solutions
  • Gift card/loyalty programs
  • Electronic benefit transfer (EBT)

Business customers can accept credit card and debit card payments for products and services using:

  • Mastercard
  • Visa
  • American Express
  • Discover
  • JCB
  • Debit
  • Fleet/Voyager
  • Gift Cards
  • Prepaid for business

Business customers who take advantage of our merchant services can expect top-notch support in multiple areas, including:

  • The application process
  • Purchasing new equipment
  • Reprogramming existing equipment
  • Training
  • Technical Support
Small business owner with beard and glasses, sitting at his bar counter and banking on his phone in downtown Fargo, ND

Business Banking

No one does business quite like you. From business checking to loans to treasury management, welcome to business banking – customized for the way you work.

Two professionals in downtown Fargo, ND, laughing and talking while making a remote deposit from the office after business hours

Remote Deposit Capture

With remote deposit capture, you can save time and securely deposit your checks electronically right from your business location.

Silver-haired businessman in Grand Forks, ND, smiling while managing ACH origination and payment processing on his company tablet

ACH Origination

Better cash flow. Lower costs. Securely manage your direct deposits for employees, vendor payments and more with all-in-one ACH origination and payment processing.

a joyful and confident female business owner looks on and reflects on the benefits of Gate City Bank’s positive pay service

Positive Pay

Protect your business with an added layer of security to identify potential check fraud, flag any anomalies with ACH transactions and more.

© 2022 Clover Network, LLC. The Clover name, logo and related trademarks are owned by Clover Network, LLC, and are registered or used in the U.S. and many foreign countries. Merchant services are provided by Clover affiliate First Data Merchant Services, LLC. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.