A Smarter Approach to Merchant Services

Partner with FiNet to build a flexible, revenue-driving program that strengthens relationships and delivers the level of service your business customers expect.

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A well-dressed professional woman sits at a cafe table with the shop owner and shows her data on a tablet.
of small businesses
0 %
prefer merchant services from their community financial institution over a third party.

Is Merchant Services part of your long-term strategy?

Your financial institution should be the trusted provider of the one essential business service your customers rely on to stay competitive.

Fewer consumers are using cash, and offering reliable, modern payment solutions has become a top priority for your business customers. As a FiNet partner, you can provide a comprehensive suite of payment and business management tools—supported by the essential processing services your merchants rely on every day.

For community financial institutions of any size, a well-structured merchant services program is no longer optional—it’s a strategic necessity for future-proofing your portfolio. The right program not only safeguards existing non-interest income, but actively drives new growth, strengthens business relationships, and expands your ability to deliver value-added services that complement your core banking products.

Benefits of
MERCHANT SERVICES

Grow Deposits

Attract new business customers through cross-selling opportunities and a more diversified product offering.

Encourage Retention

Adding new services to existing relationships reduces the likelihood of account attrition.

Stay Competitive

Fintechs everywhere are working to disrupt traditional banking—so why hand your customers to them?

Your Partners in Merchant Services Success

Every community financial institution is unique—so why settle for a pre-packaged merchant services program? With flexible options, dedicated representatives, and custom tools, FiNet builds a program designed around your institution’s needs.

One mission. One focus.

From the start, FiNet has remained dedicated exclusively to serving community financial institutions.

We understand that every community financial institution is unique. That’s why our programs are built to be flexible, intuitive, and fully aligned with your goals. Rather than forcing predefined terms, our representatives collaborate directly with your team to design a program that fits your needs. We also provide ongoing evaluation and support to ensure your program continues to perform at its highest potential.

Our personalized approach doesn’t end there. FiNet offers a full range of customized marketing resources, administrative tools, and staff training to help your program grow. Your business customers receive direct access to their own dedicated sales and support representatives, not an outsourced call queue. Our service team is in-house, experienced, and committed to providing the same friendly, first-name-basis support your customers already expect from their banking partners.

The FiNet leadership team posing next to the FiNet sign.

250+

Total Years of Payment Industry Experience

The FiNet team has devoted its careers to supporting community financial institutions in the payments industry.

Flexibility

Each program is customized to reflect the unique structure, customer base, and community of every financial institution we serve.

Control

You maintain full control of your program, including white-labeling options and final approval on pricing.

Revenue

Every account generates ongoing residuals for the life of the relationship, and revenue can begin almost immediately—with little to no startup cost.

Committment

All we do is support our financial institution partners. Unlike many providers, we have no direct sales channel, so you never have to worry about us competing for your customers.

Designated Support

We assign a dedicated account manager to oversee your program, while your customers receive personalized support from designated sales and service representatives.

Service

No frustrating offshore call centers. We believe in maintaining a knowledgeable, skilled, and empowered in-house support team that resolves issues quickly and effectively.

Risk-Free

All applicants undergo a thorough underwriting process, but all account-related liability rests with FiNet’s processing partners, not the financial institution.

Technology

Your customers gain access to the latest payment and business management solutions, supported by a dedicated product team that stays ahead of evolving payment technology.

Tools and Program Resources

As your partner throughout the life of your program, FiNet provides ongoing training, marketing support, and program-specific resources designed to maximize efficiency and drive revenue growth.

Program Management Dashboard

The central hub for your entire program. A simple, one-page, user-friendly tool to be used by your entire team. 

Custom Branded Marketing

We create and maintain a full line of custom-branded marketing materials for your financial institution to use however you see fit.

Branded Product Website

We provide and host a custom-branded merchant services webpage and keep it up-to-date with the latest products and services.

Staff-Level Training Seminars

Your staff doesn’t need to be experts, but having a general understanding of your merchant services program is key to success. That’s why FiNet developed a simple, effective training curriculum to ensure everyone—from VPs to tellers—feels confident discussing the basics with your business customers.

Our Partners

"CBM preferred partner, FiNet, provides excellent customer service, pricing, and products with their merchant services solutions to small businesses throughout Michigan. We are grateful for the exceptional partnership we have with them, and their focus and efforts with us, and Michigan community banks."

Kate Angles Community Bankers of Michigan

"We were immediately impressed by the fast response and friendliness of everyone at FiNet. We never have to worry about whether our customers are being treated with the same level of care and service that we provide. We are happy to entrust FiNet with our merchant services, knowing that both the bank and our customers are in great hands."

Christopher M. Sandefur Peoples State Bank

"We've had a great experience with FiNet. They’ve been easy to work with, always responsive, and very knowledgeable. When we refer our customers to FiNet, we are confident that they are in great hands"

Adrienne Sting Thumb Bank & Trust

Let's get things started

Let’s start a conversation about your current merchant services program, your long-term goals, and what makes your institution—and the community you serve—unique. From there, our team will develop thoughtful recommendations on the program type that best fits your organization.

No matter where the conversation leads, you can always count on a few things:

Expert partners

Our team specializes in serving community financial institutions. With decades of experience, we understand your unique goals and challenges. That’s why every FiNet partner is supported by a dedicated account manager, sales representative, and service consultant—each committed to keeping your program running smoothly and equipping you with the tools you need to succeed.

Guaranteed revenue

Your institution earns revenue from every new account and receives ongoing residuals for the life of the relationship. A strong merchant services program also creates new opportunities to cross-sell other banking products and build lasting customer loyalty. Best of all, your program can be launched in just a few days—with little to no upfront cost.

You are our sole focus

All we do is serve community financial institutions—merchant services isn’t a side offering or bundled add-on. Unlike providers who compete with their own partners, FiNet never undercuts your institution. We maintain established relationships with all major processors, giving you access to the same—often greater—range of products and services, backed by our full, undivided attention.

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  • Download the MX Restaurant POS product overview (PDF)