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Merchant Services


F & M Bank makes available to merchants of all sizes, the ability to accept all forms of payment. In conjunction with Atlantic Merchant Services and Sterling Payment Technologies Inc, we can help to increase your sales potential by providing you with the necessary tools to ensure accurate, convenient, and reliable transaction processing. We offer the latest technology and support most existing terminals, including software applications.


The following services are offered at very competitive prices:
Credit/Debit card processing for Visa®, MasterCard®, American Express®, Discover®, Diner's Club® and JCB.
Check authorization services.
Internet Services.
Electronic Benefits Transfer (Food Stamps, AFDC, etc.).
Hotel and hospitality packages.
 Quick Serve packages for dining establishments.
Multiple payment platforms; including automated Telephone voice response system, Web-based virtual terminal, TCP/IP connectivity, and Wireless service.

With F & M Merchant Services, the setup process is simple and convenient. A representative arrives at your location for contracting, installation, and training.

For more information, please contact an F&M team member or visit one of our convenient locations.