Merchant Services — FNB Corporation

FNB Corporation Merchant Services delivers a comprehensive suite of payment processing, point-of-sale solutions, and merchant-centric tools designed to support businesses of all sizes across a wide range of industries. Built with reliability, security, and ease of use in mind, our Merchant Services offering helps merchants accept payments, manage transactions, optimize cash flow, and gain actionable insights that drive growth. Whether you operate a retail storefront, an e-commerce site, a restaurant, a service company, or a large enterprise, FNB provides flexible, scalable solutions tailored to your needs.

Key Features

• Multi-channel Payment Acceptance: Accept payments in person, online, and over the phone. Support for major card brands, contactless payments, mobile wallets, and digital payments ensures customers can pay the way they prefer.
• Point-of-Sale (POS) Solutions: Modern, intuitive POS systems with customizable interfaces, inventory management, employee controls, and integrated reporting. Options include countertop terminals, mobile tablets, and integrated POS software for industry-specific workflows.
• Payment Gateway for E-commerce: Secure online payment gateway with tools for shopping cart integration, API access, hosted payment pages, and tokenization for recurring billing and subscription management.
• Virtual Terminal: A web-based terminal for processing card-not-present transactions, key-entered payments, and manual authorizations — ideal for phone orders, mail orders, and back-office payments.
• Recurring Billing & Subscriptions: Automated recurring billing, flexible billing cycles, and subscription management features to simplify revenue collection for membership programs and subscription services.
• Fraud Prevention & Risk Management: Advanced fraud screening tools, customizable rules, velocity checks, address verification, and real-time monitoring to reduce chargebacks and fraudulent activity.
• Tokenization & Encryption: End-to-end encryption and tokenization protect sensitive cardholder data during transmission and storage, helping merchants meet data-security expectations and reduce PCI scope.
• Settlement & Funding Options: Flexible settlement schedules, same-day or next-day funding options where available, and consolidated reporting to help manage cash flow and reconcile accounts.
• Integrated Reporting & Analytics: Comprehensive dashboards and customizable reports provide actionable insights into sales trends, peak hours, product performance, and customer behavior to support smarter business decisions.
• Loyalty & Gift Programs: Turnkey loyalty and gift card solutions that increase customer retention, incentivize repeat purchases, and integrate seamlessly with POS and CRM systems.
• Developer Tools & APIs: RESTful APIs, SDKs, and developer resources for custom integrations, allowing businesses and partners to build tailored payment experiences and connect payment data to internal systems.
• PCI Compliance Support: Guidance, validation tools, and best practices designed to help merchants meet Payment Card Industry Data Security Standard requirements.

Security & Compliance

Security is central to FNB Merchant Services. Our solutions use modern encryption standards and tokenization to protect cardholder data at every step. Real-time monitoring and automated alerts reduce exposure to fraud. We provide clear guidance and tools to help merchants meet applicable compliance requirements, including support for completing self-assessment questionnaires and implementing necessary security controls. These measures reduce business risk and foster consumer trust.

Industry-Specific Solutions

Different industries have unique payment needs. FNB Merchant Services offers targeted configurations and features for:

• Retail: Integrated inventory, barcode scanning, quick tendering, and multi-location management.
• Restaurants & Food Service: Table-side ordering, split checks, tip handling, kitchen routing, and delivery management.
• E-commerce: Secure gateway, hosted checkout, subscription billing, and anti-fraud tools optimized for online transactions.
• Professional Services: Invoicing, virtual terminal, recurring payments, and client management integrations.
• Healthcare: HIPAA-aware workflows, point-of-sale configurations for co-pay collection, and tokenized storage for recurring payments.
• High-Risk & Specialties: Tailored risk assessments and processing strategies for businesses with unique compliance or underwriting needs.

Onboarding & Support

FNB delivers a streamlined onboarding experience with dedicated onboarding specialists to help merchants set up accounts, configure terminals, and integrate with existing systems. Training resources, documentation, and proactive support reduce time to value and ensure a smooth transition. Ongoing support options include phone, email, and online resources, with escalation paths for technical and operational issues.

Pricing & Transparency

Our pricing models are designed to be transparent and flexible, with options that align to a merchant’s size, sales volume, and transaction mix. Available pricing plans include interchange-plus, flat-rate, and tiered options, along with clear disclosure of fees such as gateway charges, terminal rental, chargeback fees, and settlement timing. Merchants receive detailed statements and reporting dashboards to monitor costs, margins, and performance.

Benefits for Merchants

• Improved Cash Flow: Faster settlement options and consolidated reporting help businesses manage liquidity.
• Operational Efficiency: Integrated POS and payment processing reduce manual reconciliation and streamline daily operations.
• Enhanced Customer Experience: Faster checkout, multiple payment options, and loyalty capabilities increase satisfaction and retention.
• Robust Security: Advanced fraud tools and data protection reduce risk and support regulatory compliance.
• Scalability: Solutions grow with the business, supporting single-location merchants through large multi-site enterprises.
• Actionable Insights: Analytics and reporting enable smarter merchandising, staffing, and marketing decisions.

How It Works

Getting started with FNB Merchant Services typically involves account setup, selection of hardware and software configurations, and integration with existing systems or e-commerce platforms. Once configured, transactions are authorized through secure channels, captured and batched, then settled according to the chosen funding schedule. Merchants can access real-time reporting and reconciliation tools via an online merchant portal to monitor activity, handle disputes, and manage account settings.

Why Choose FNB Merchant Services

FNB combines industry expertise with customer-focused service to deliver merchant payment solutions that are secure, dependable, and adaptable. Our approach emphasizes partnership: we work with merchants to understand business requirements, recommend optimal configurations, and provide ongoing support that helps drive efficiency and growth. With flexible pricing, configurable features, and a comprehensive product ecosystem, FNB Merchant Services empowers businesses to accept payments confidently and manage commerce operations with clarity and control.

Get Started

Whether you are launching a new business, modernizing your checkout experience, or optimizing payment operations across multiple locations, FNB Merchant Services offers the tools and expertise to support each stage of your journey. Explore the options that match your needs and discover how integrated payments can simplify operations, secure revenue, and enhance customer satisfaction.