When everything is working as it should be, customer transactions are like an elegant dance, no matter what the business is, from restaurants to retail. Scan the items, ring them up, run the credit or debit card, have a nice day. A cashier can find themselves getting into a comfortable rhythm, only to have that rhythm interrupted when someone needs to pull out cash or write a check.
The reality is that, these days, most customers will pay for their purchases with credit or debit cards or, more recently, mobile payment apps like Google Pay or Apple Pay, which means that businesses must be prepared to accept these methods of payment. Requiring cash purchases can actually cost you money in the long run, as you lose customers who don’t carry cash or who just can’t be bothered with the inconvenience.
Fortunately, there’s a better way. Central Willamette Credit Union offers our merchant services partners a suite of useful features that can help make all your transactions easy, secure, and cost-effective.
What are the benefits you get when you open a merchant account with Central Willamette Credit Union?
High-Class Service and Quality Offerings
Central Willamette Credit Union merchant services partners get all the benefits of our partnership with Total Merchant Concepts, an expert in the field of merchant services. We offer a month-to-month contract—no lengthy, extended contracts needed—for all your merchant services needs, as well as fantastic customer service.
Acceptance of Credit and Debit Cards and Mobile Pay
Our merchant services partners are able to easily and quickly run a customer’s credit or debit card, whether it’s chipped or not. We offer an extremely affordable set of physical and web-based virtual terminals for point-of-sale processing of cards.
While some card processing services may require vendors to use proprietary equipment that only works with their services, Central Willamette Credit Union and Total Merchant Concepts sell a variety of terminals that can be used with the vast majority of processing companies in the country. That means that, should you want to leave our partnership for any reason, your point-of-sale terminal will still be a useful investment, not wasted money.
If you already have hardware like point-of-sale terminals, then don’t worry—our services are compatible with the vast majority of existing networks, card processing terminals, and credit cards.
The Solutions Your Business Needs
Our range of terminals includes devices that fit various needs, such as restaurants that may have need of pay-at-table solutions or vendors who work in areas where internet and telephone connectivity may be unreliable or unavailable.
If your business is home-based or mobile, such as a food truck, we also offer wireless and mobile options. Further, we offer authorization by fax, mail, and phone—no matter the needs your business has, you can find expert service and offerings at Central Willamette Credit Union.
Ecommerce Offerings
Perhaps your business isn’t just selling to people in person, but you sell items to people all around the state, the country, or even the world. While you could always sell your wares over existing channels such as eBay or Etsy, those are meant for smaller businesses (or individuals), they don’t come off as very professional, and they offer minimal opportunities—if any at all—to establish and showcase your brand.
Through Central Willamette Credit Union, you can offer secure web authorizations for secure online shopping, letting you take advantage of the rapidly growing field of e-commerce. These authorizations can be real-time or delayed, letting you work and do business in the way that makes the most sense for you.
When you’re a Central Willamette Credit Union merchant services partner, you can grow your business both online and in the real world.
Check Support
While most of our offerings thus far have been tailored to higher-tech methods of payment like cards and NFC-enabled mobile payment apps, these aren’t available to all customers. It’s entirely possible that some customers, for instance older ones who may be slower do adopt new technology, may prefer to pay in more traditional analog ways. It wouldn’t do for a merchant services provider to not support these transactions!
Central Willamette Credit Union offers electronic check processing, including verification, guarantee, and ACH conversion, so that when someone comes into your business looking to become a customer, you’re able to serve them, no matter who they are or how they opt to pay.
Safe and Secure Transactions
Even if a solution is fast and easy, when you’re dealing with customers’ financial data—as well as your own—it means little if it isn’t secure. A breach of customer information like credit card numbers can be devastating, opening your customers up to potential identity theft and opening you up to legal liability.
Fortunately, Central Willamette Credit Union and Total Merchant Concepts are able to offer security alongside convenience. Merchant security is very important, after all.
The Benefits of a Local Credit Union
Aside from all of the specific benefits offered to Central Willamette Credit Union merchant services partners, opening a merchant account brings with it the further benefits afforded to all our members. As a credit union, every one of our members is a partial owner, making us able to offer better services and better rates than banks owned and operated by distant boards of executives.
We are a community fixture in the counties we serve—Linn, Benton, Marion, and Polk—and invest in supporting the area we proudly call home. When you open a merchant account and become a merchant services partner, you’ll know that you’re getting not just top-class service from expert providers; you’re supporting your community.
If you’re interested in setting up a merchant services account, the process is very simple:
- Fill out a short referral form.
- Fax or email the form to our partners at Total Merchant Concepts.
- Total Merchant Concepts will contact you within 48 hours.
To learn more about Central Willamette Credit Union and the merchant services we provide, feel free to visit one of our branches or contact us. Please ask for Business Services.
We look forward to being your next business services partner.