Why Work with First Independent Bank?

First Independent Bank merchant services allow you to accept credit cards and debit cards, gain the flexibility to purchase or lease payment processing equipment and avoid hidden costs. These services include:

  • Multiple authorization networks and transaction processing options.
  • Experienced and dedicated sales support staff.
  • Quick and easy electronic application process.
  • Online access to application tracking system.
  • National processing capabilities.
  • Comprehensive 24/7 online reporting.
  • Automated Clearing House (ACH) processing and check verification.
  • Automated in-house chargeback/retrieval processing system providing 24-hour turnaround.
  • 24/7 merchant services help desk.
  • Next-day merchant settlement.

TransAction Express®

With this robust payment gateway, you can accept credit cards and signature debit cards through any Internet connection, no matter where you’re located. Capabilities include real-time transaction processing, recurring billing with tokenization for both one-time and recurring (automatic and manual) payments and direct swipe via USB with no additional software.

Web-Based Reporting

TransLink, a user-friendly reporting system, lets you manage payment processing from any web-enabled PC. It includes comprehensive activity reports that provide access to all payment card transactions. You can also create reports based on the information you need. And you can respond online to chargebacks and retrievals.

Mobile Credit Card Processing

With ProcessNow®, you’ll always be ready to do business wherever you go, with the next evolution in mobile processing solutions for Apple® and Android™ mini-tablets and smartphones. You can process Visa®, MasterCard®, Discover®, PayPal™, and American Express® cards at the point of sale. ProcessNow® register replaces your chunky cash register-and-terminal POS system. You can print or email customer receipts, enter inventory items quickly and easily manage tips and tax rates.

Easy Statement Reconciliation

TransFreedom® is a bundled pricing package that simplifies your billing statement. It combines a number of monthly charges into one single low monthly fee that's less than the cost of the individual fees. The statements clearly explain all charges, so there are no hidden fees. You get your choice of a fee tier based on monthly processing volume. And you gain cost flexibility, so you can grow and still maintain low fees.

Robust Security

Get financial protection if a security breach occurs, saving potentially hundreds of thousands of dollars in fines and expenses. With the optional Data Breach Security Program, you’re covered for an industry-mandated audit for a suspected breach, card replacement costs and related expenses, plus industry assessments and fines.