Community Bankers Merchant Services

About

Merchant Service Provider

Story

CBMS’ credibility in the processing industry can make your decision of choosing a processor easier. Business owners are constantly bombarded with low offers from merchant service providers. It is easy to find the lowest price on any service, but finding value in that service is a more daunting task. Merchants can rest assured knowing that CBMS has provided quality processing services for the “mom and pop” businesses as well as some of the largest companies in the industry.

We have the ability to process any form of electronic payment such as Visa/MasterCard, American Express/Discover, PIN based and offline debit, Voyager Fleet Card, EBT, check conversion with guarantee as well as support for E-Commerce transactions. Our Gift and Loyalty Card program can replace paper gift certificates and encourage repeat business from your customers. We are an in-house equipment supplier offering low month-to-month rental or purchase options as well as customized lease plans and we support the leading manufacturers of credit card processing equipment, so converting your service to CBMS is a seamless process. Our optional service packages allow merchants access to all equipment supplies at a minimal monthly fee.

The landscape of consumer payment selections have evolved drastically over the last decade with 80% of point of sale purchases made with bankcards. The change in the method of consumer payments has forced merchants to either accept credit cards for customer purchases or cut themselves out of a large share of the market. Studies have shown that businesses lose sales 60% of the time if they do not accept credit cards.

Mission

"We have brought back the lost art of customer service," says Bob Morris, founder and President of Community Bankers Merchant Services. "Because CBMS' success is deep-rooted in merchant applications, we have pioneered countless custom programs to meet the growing needs of sophisticated industries in a high-tech world."

Products

Visa/MasterCard - The mostly widely accepted credit cards in the world.

American Express - 21% of card members do not carry other major credit cards and 50% use the card for both business and personal expenses.

Discover - Over 50 million card holders which rate # 1 in customer loyalty.

Dialpay - Processing via telephone. No terminal needed.

Contactless

Check Conversion with Guarantee - Converts personal checks to an electronic payment using a check reader. No more NSF check returns or trips to the bank to deposit checks.

Dynamic Currency Conversion/Multi-Currency

EBT - Electronic food vouchers.

E-Commerce/Authorize.net - Internet processing with virtual terminal option.

Gift and Loyalty Cards - Personalized gift card program.

Health Care

Interactive Voice Response

Large Merchant

Merchant Cash Advance - Cash Advance through your merchant services credit card processing sales.

Multi-Lane

PC

Petroleum

PIN based Debit - The utilization of a PIN pad to conduct debit/check card transactions. No rates apply; merchants pay only a debit network transaction fee.

Quick Service Restaurants

Remote Deposit - Conveniently deposit your checks from your place of business.

Restaurants

Retail

Travel and Entertainment

Virtual Terminal

Voyager Fleet Cards - The fastest growing universal fuel and maintenance card; used by the United States Postal Service.

Wireless Processing - Transactions processed via wireless terminals.

Industry Specific Management System coming soon!

There are auxiliary services not listed that CBMS may have the ability to support. Ask a CBMS representative if a desired service not listed is feasible.