
Merchant Services
For a business owner, making sure that every payment is accepted and processed smoothly and securely is exactly what you need. However, navigating all the merchant options and selecting the right partner can feel complex.
That's why the Capital Credit Union Treasury Management team has partnered with the time-honored local professionals at Merchants' Choice Card Services LLC to ensure you have a guided selection process powered by superior customer service.Whether you're new to card processing or switching from another provider, their integration process is seamless and straightforward.
You'll be up and running fast and more cost-effectively in no time. Merchants' Choice, in collaboration with their payment processing partners, empowers you to handle transactions in a way that aligns with your business operations, ensuring quick and efficient payment reconciliation, plus so many more additional benefits.
Let’s Discuss Your Tailored Solution
Credit & Debit Card Processing


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EMV-enabled devices ensure the highest level of security for your business, setting you apart from the rest. But that's not all – Merchants’ Choice has gone beyond the norm with NFC capabilities, enabling frictionless transactions with sought-after mobile wallets like Apple Pay®, Samsung Pay®, and Google Wallet® by offering multiple system options through Clover, talech, Valor and SwipeSimple.
ACCEPT PAYMENTS ANYWHERE
Our partner, Merchants’ Choice offers Converge - a hosted solution that allows businesses of all types to accept payments quickly and securely wherever they take place.
In-Person
Connect an EMV payment device to take payments via swipe, dip or tap.

Online
Accept payments or donations on your website via a buy button, hosted payment page or integrated shopping cart.

In an App
Support payments made through digital wallets like PayPal® and Apple Pay® on your website or mobile app.

Over the Phone
Use any browser-connected device to enter card details for mail and phone orders.

In-Office
Manage customers, set up recurring payments, and email electronic invoices.
Accept everything from debit and credit cards to PayPal®, electronic checks, and digital wallets. Manage all payment activity easily and securely from anywhere with any browser-connected device. Accept payments using Converge’s friendly portal or integrate with your websites, accounting and CRM systems with easy-to-use tools.
Streamline payment processes
- Card on File: Securely store customer profiles and card details for repeat, recurring and subscription payments.
- Remote Billing and Invoicing: Email customers’ quotes and invoices and allow them to pay online with a simple click.
- Credit Card Surcharge: Offset costs with our industry-compliant program that allows you to pass acceptance costs to customers.
- Level 3 Processing: Lower interchange costs for business and government transactions by entering line-item details from invoices.
- Product Catalog: Speed checkout and reduce staff keying errors by setting up a list of products and services including prices and descriptions.
- Reporting and Management: Easily generate standard or custom reports to view or export to accounting and management systems.
- Administrative Tools: Add employees and assign roles based on access rights.
Zero Cost Card Processing
Say goodbye to traditional processing fees and embrace a groundbreaking Dual Pricing Solution from Merchants' Choice. This game-changing model allows your business to eliminate all processing fees, replacing them with a simple $50.00 flat monthly fee. This innovative platform is accessible to businesses of all sizes, whether you're processing transactions online or in-person.
Find out more about this card processing service which includes:
- Zero Cost Guarantee
- Tailored Approach
- Exceptional Savings
- Platform Versatility
- Simplified Billing
- Universal Accessibility
Mobile Processing
Your business is on the move. Your ability to accept payments should keep up.
Embark on a journey of convenience and efficiency with our advanced mobile credit card processing solutions.
Imagine the power to handle EMV, NFC (Apple Pay® and Google Wallet)®, and hand-keyed transactions all from the palm of your hand – with your smartphone or tablet.
- Mobile Credit Card Processing - Handle EMV, NFC, and hand-keyed transactions from your smartphone or tablet
- Secure Transactions - Secure your customers' payment data with advanced encryption technology
- Seamless Integration - Easily integrate our solutions with your existing systems and workflows
Click to Pay
Discover the key features of your "Pay Now," "Buy Button," or purchasing hyperlink with the seamless Click to Pay experience, which drives conversions and new business your way!
- Diverse Payment Options: Our platform offers flexibility by enabling users to pay with their method of choice, from traditional credit cards to cutting-edge digital wallets.
- Secure Payment Page: We prioritize the safety of transactions, providing peace of mind for you and your customers.
- Customizable: Our intuitive interface makes navigating the payment process easy for businesses and customers.
We look forward to you joining our retail, restaurant, e-commerce, hospitality, non-profit/fundraising utilities, government agencies and educational leaders who have found our Merchant Services to be the right fit.
Let’s Discuss Your Tailored Solution