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Products & Services

Merchant Services

Unlike other Merchant Services providers, our representatives are bank employees specialized in providing you with solutions tailored to meet your needs.


EMV credit card terminalPayment Solutions from a trusted partner. Your business is unique, and so are its challenges. In today’s competitive marketplace, you must balance good customer service with efficient cash management and risk control. We have the solutions you need to optimize all of your payment processing.

Positive Cash Flow1

You cannot afford to limit customer payment options or delay access to funding. From credit and debit card processing to our unique Electronic Check Service, we make it possible for you to access your funds within 24-48 hours. And, our Electronic Gift Card solution helps generate new business and keeps loyal customers coming back.

Credit & Debit Card Payments1

CBT’s processing solutions help you improve cash flow, minimize your collections risk, and better serve your customers, all while meeting stringent security standards to protect cardholder data. We provide authorization, settlement, funding, and support giving you one point of contact for all your Visa®, MasterCard® and Discover® network credit and debit card transactions. In addition, we also process:

  • PIN debit
  • Corporate purchasing cards
  • Fleet cards
  • Electronic Benefits Transfer (EBT)

Value Added Solutions1

Electronic Check Service

With CBT, accepting checks has never been so convenient and cost-effective. ECS converts all paper checks - consumer and business - into safe, efficient electronic transactions that are processed with the speed and ease of credit card transactions. Gone are manual check reconciliations, time-consuming trips to the bank, and the hassles of check collections.

Electronic Gift & Pre-paid Cards
Electronic Gift Cards increase revenue and attract new customers. They also reduce the fraud and labor associated with paper gift certificates. Our program allows you to select the card design and processing features tailored to your business needs.
Point-Of-Sale Solutions1
We understand that the way you accept payments varies greatly depending on your business and point-of-sale (POS) configuration. That’s why we offer a wide variety of processing solutions to meet the needs of all types of businesses, from brick-and-mortar to mail-order/telephone-order and e-commerce.
  • Payment Terminals stay in compliance with the latest cardholder security standards with CBT’s broad range of Internet-enabled and wireless terminals and peripherals.
  • Software and Internet Products turn any PC with an Internet connection into a powerful processing solution for face-to-face and card-not-present transactions with a choice of secure hosted and distributed software solutions.
  • VAR Interface Solutions Integrate processing with our POS platform with solutions from hundreds of value-added resellers and software providers.
Mobile Payment Solutions1

Mobile solution from an experienced, full-service provider.

  • Works with multiple phone types to provide freedom of choice regardless of wireless provider.
  • Supports anytime-anywhere processing for mobile environments including card-present and card-not-present.
  • Accommodates an unlimited number of mobile devices to support businesses of any size.

Reporting Solutions

Online Reporting & Support Tools

MerchantConnect is our free online reporting tool that allows you to securely monitor your account from any web browser at any time of day. With MerchantConnect, you can display recent deposits, view chargebacks and retrieval requests, access customer support and more.  Click here to log into Merchant Connect.

Support/Operations

Risk Management & Fraud Control

CBT’s network has built-in fraud monitoring and control features to protect your business and your customers’ card data. A robust set of risk management and fraud prevention tools are provided.

1 Subject to credit approval. Rates subject to change based on VISA® interchange.