Offering your customers a wide range of payment options keeps your business competitive. Today's customers expect to be able to make purchases with their direct payment or credit cards as well as with cash or cheques. Like your customers, you also expect a range of options for handling retail sales. Whether you operate a small corner store or a large corporation, Capital City Savings can provide a merchant solution that meets your business needs.

Merchant Value Program*

The Merchant Value Program is a single solution for processing your debit and credit card transactions. By using the credit union Merchant Value Program, you can streamline your business credit and debit card sales to simplify business accounting and statement reconciliation.
Some of the key features of the Merchant Value Program include:

• Visa, MasterCard and debit card transactions consolidated into one account
• Fees and transaction charges are minimized on your credit card deposits
• There are no per item fees for MasterCard and Visa transactions
• Your business receives detailed deposit and transaction information

Electronic Merchant Services

If electronic authorization and processing of your MasterCard and/or debit card transactions is something you would like to pursue, Capital City Savings has a terminal system to suit your needs. We will work with you to understand and assess your unique business requirements and to recommend the system most appropriate for your business.

Electronic Merchant Services will allow you to:

• Increase sales by providing a variety of payment options to your customers
• Improve cash flow by accessing your money sooner, unlike manual deposits
• Reduce operating costs, losses and hassles
• Save time by having transactions electronically approved and processed
• Minimize your potential credit card fraud losses with the electronic system

Merchant Link/IVR

Ideal for lower volume merchant accounts, IVR provides immediate authorization for all your MasterCard transactions and allows you to automatically deposit MasterCard sales into your Capital City Savings account. As a result, you do more business from your office and reduce your banking charges. IVR is portable as well – you can use it wherever you have access to a phone.

For further information, please call us today at (780) 496-2142, toll free at 1-877-496-2151 or email us .

*Merchant Value Program is a joint initiative with the Bank of Nova Scotia. Visa discount rates are determined by Scotiabank.