Merchant Services

A straight forward way of doing business.

At Midland Merchant Services, the transaction fee you pay when a customer uses a credit card is always the actual VISA, MasterCard and Discover interchange rate. You cannot process for less than the actual interchange rates across the board – so if you're paying a "qualified" rate, "buy" rate or "discount" rate with your current processor, then you are paying too much.

We provide smart savings, plus personal service for merchant credit card payment transactions. Merchants save money with a single, low monthly flat rate for access to card payment processing services at cost, and trained customer service and technical support professionals available 24 hours a day, seven days a week. With us, you will be able to accept payment with any type of credit or debit card, and you will have access to other forms of electronic payment -- such as check processing, e-commerce gateways, Electronic Benefits Transfer (EBT) and gift/loyalty programs -- all at actual cost.

Credit Card Processing (Visa, MasterCard, American Express, Discover, JCB & Diners) and Debit Card Processing (online/PIN & offline)

Credit and debit card processing is the foundation of our product offering. This is a service every business needs to be successful in today's economy. Businesses accepting credit cards have experienced over 30% increases in sales. Accepting credit cards encourages consumer purchasing and stimulates customer impulse buying, which can help grow your business.

Industry experts confirm debit cards are rapidly becoming the most common form of payment at the point-of-sale, surpassing check and credit card volume. More consumers are discovering the convenience of debit and more merchants are discovering the savings over alternative payment methods.

E-Commerce Gateway Solutions

We offer several solutions for e-Commerce merchants with our gateway products allowing merchants to expand their presence to increase their sales.

Wireless / Mobile Processing Programs

We offer wireless processing solutions to merchants. With a wireless solution your business becomes portable and is no longer limited to your phone line location, allowing you to take your business on the road to increase your sales.

Electronic Gift Card Programs and Electronic Loyalty Card Programs

Midland offers comprehensive electronic gift and loyalty card solutions for single or multi-store merchants. A solid gift card and loyalty card program is a must for every retail business and restaurant, as it is designed to keep your customers coming back by providing them with a convenient way to make purchases. This helps merchants improve brand loyalty, increase store traffic and increase sales. Moreover, loyalty cards encourage customers to purchase from a particular merchant by rewarding them with incentives for each dollar they spend using the loyalty card.

Electronic Check Processing

Checks account for a significant percentage of all consumer non-cash purchase payments. Merchants that utilize check processing programs realize accounting and banking savings that will directly increase net income and significantly reduce losses from bad checks.

Electronic Benefits Transfer (EBT) Card Processing

EBT is the delivery of government benefit funds via electronic means. EBT is a payment option growing at a tremendous rate as more of our society utilizes government-sponsored programs. Under Federal law, since 1999, all federal aid distributions must be made electronically. Government programs such as Social Security, state-issued food stamps, Women/Infants/Children (WIC) and Temporary Assistance to Needy Families (TANF), issue benefits on an electronic card known as an EBT card. Your customers that benefit from these government programs will be able to spend at your business using their EBT cards, which will increase your sales and revenue.

Petroleum Programs

We have the ability to process card transactions for the Voyager Card program and the Wright Express Card program. Each of these programs is a "fleet" type corporate purchasing card program. We are one of the few merchant service providers that are processing Voyager and Wright Express transactions.

Supermarket Incentive Program

Both MasterCard and Visa have eliminated the requirement to register supermarket merchants for their supermarket programs. We can help qualified merchants benefit from the special interchange rates for supermarkets.

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Still have questions?

When you have a question, we're just a phone call away. Our Customer Care Specialists are available to answer your account questions quickly by calling us at 1-855-MY-MIDLAND.

Midland Locations

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Our full-service Banking Centers are available for your daily transactions, but also available for those special inquiries to discuss your everyday banking, financing or wealth building needs. Find a location

Business Merchant Services Resources

Midland States Bank is a registered ISO/MSP for Wells Fargo Bank, N.A.