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Merchant Card Processing

Image of a chipcard stating accepting EMV chip credit cards and more with Professional Solutions logo

Are you already accepting credit and debit cards for payments or are you thinking about it?

Improve your bottom line by using the Professional Solutions Program!

Northwest Bank has partnered with Professional Solutions Financial Services to offer merchant processing services with valuable benefits that include the lowest price – Guaranteed!

EMV Chip Cards

By now, you've probably heard of the changes in the payment processing industry as it relates to EMV "chip" credit cards.

Now through October 31, 2015, get an EMV Credit Card Terminal at no additional cost to use for as long as you process through the Professional Solutions Credit Card Processing Program.  This terminal also accepts chip credit cards, Apple Pay & other "contactless" payments from your customers.

What is the October 2015 Fraud Liability Shift?
The card associations (Visa, MasterCard, Discover and American Express) are dictating a fraud liability shift effective October 1, 2015. In short, this means if a merchant doesn't have the proper EMV processing equipment and they are presented with an EMV "chip" card for payment, the liability for any fraud resulting from that transaction shifts from the card issuer to the merchant.

Will my current terminal still work after the October fraud liability shift?
Yes. All EMV chip cards are still being issued with a magnetic stripe on the back and will work fine. In fact, it will continue to be the back-up option when EMV chip card transactions do not work.

Once EMV software is approved and certified, what happens next? 
The goal is to avoid hassles with our merchants having to download multiple "fixes" due to EMV software bugs. Once EMV software is certified and working properly, NCMIC will provide the required software to you. In most cases, a simple download of the new software will allow you to accept EMV cards. If you are a merchant that signed up with us in the last 24 months, you already have the EMV-capable terminal or equipment necessary to process EMV transactions once the required software is certified and available from the processors. Upon EMV software certification, we will contact you immediately regarding next steps. If your terminal is not currently EMV-capable, we'll be in touch to exchange it with new, pre-programmed EMV equipment so you can simply plug it in and begin using it once the software deployment occurs.

What if I want a new EMV terminal now? 
Professional Solutions is happy to provide new EMV equipment in advance of software certification and approval. Please be aware that once EMV software is certified, there may be additional steps for you to take to program your equipment. 

Additional EMV Terminal Information 

Take the Challenge!

Let Professional Solutions do a side-by-side comparison showing the costs of your current processing program and the Professional Solutions program. If they can't save you money, they'll send you a $100 gift card to use anywhere major credit cards are accepted!

Professional Solutions Benefits Include:

  • Lowest Overall Price Guarantee.  Keep more of your profits and improve your bottom line.
  • Quick and Easy Set Up.  No application or set-up fees
  • State-of-the-Art Equipment.  You can rent or buy, it's your choice.   If you already own a terminal, they will reprogram it for FREE.
  • Reliable Service.  24/7 terminal support and industry experts to answer all of your questions.
  • Processing to Meet Your Needs.  Debit/ Credit processing, Gift card redemption and more.
  • Internet Account Statement Available.  Check your business' credit card activity and review deposits and pending payments.
  • No Long Term Obligations.

Click here for more information about this money saving program and additional benefits.

The Credit Card Processing Program is administered by Professional Solutions Financial Services, a division of NCMIC Finance Corporation which offers the credit card processing directly to you. Click here for more information.

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