F&M Merchant Services accepts credit and debit card payments securely from anywhere you do business, helping you increase your revenue and maximize customer convenience.

Benefits of F&M Merchant Services

  • No hidden fees
  • Supplies and equipment provided at cost
  • Competitive rates
  • Complimentary analysis and cost comparisons
  • Flexible processing options
  • Variety of payment options: Visa®, MasterCard®, American Express®, and Discover®
  • Online statements and reporting
  • Full service set up
  • Local support
  • 24/7 Help Desk

Online Reporting

Multiple Reports
  • Bank reconciliation
  • Real-time authorization log
  • Transaction summary and details
  • Rejects and adjustments
  • Monthly billing statements
  • Retrieval requests and chargebacks

Accepting Payments

  • Chip card terminals
  • Mobile and wireless processing
  • Virtual terminal
  • eCommerce online processing
  • POS system processing


Subject to credit approval.

Some account features and benefits may be subject to separate application, agreement, fees, and/or approval. Terms, Conditions and Limitations may apply. Account features and benefits are subject to change with or without notice. For additional details, please refer to Services & Fees located at fmb.com/fees, or the agreement and disclosures provided at the time of account opening, or ask our office staff.