Merchant Card Processing

Arbor Bank is pleased to offer you Merchant Card Processing services with our card processing partner, debit cardsTransFirst®.  Transfirst® is one of the largest transaction processors in the United States.


  • Ability to accept VISA®, MasterCard®, Discover® and American Express®
  • Settlements are automatically deposited into your checking account
  • Customer service toll-free 24 hours a day, seven days a week
  • Internet access to transaction information is available

Processing Options:

Swipe Machine - Multiple types of swipe machines are offered for rent or purchase. If available, your current equipment may also be used.
Phone Verify - No swipe machine is necessary. This option gives you the ability to process card transactions over the phone.
Laptop - Software can be loaded to your laptop and transactions are authorized through a wireless connection.
Online processing - Capture card transactions on your website and send them directly for processing.
Mobile Processing - Go wireless and process transactions by plugging a card reader directly into your smartphone or tablet.



SpotPay logo

Convenience. Security. Profitability. SpotPay.

SpotPay picutreWith SpotPay™, you can accept credit card transactions anytime and anywhere via a SmartPhone or tablet. It's fast, secure and affordable!

For just 1.99% per transaction* and $8.95 per month, SpotPay™ could be the most cost-effective business decision you make this year. As your business grows, SpotPay™ will grow with you, enabling you to accept and manage payments regardless of how your customers choose to pay.

Visit the Arbor Bank SpotPay™ website to sign up today.

*For most transactions. Excludes American Express direct charges. Non-qualified transactions (e.g. Loyalty, Rewards, Corporate card transations) are billed at 3.19% of transaction. Voice Authorization transactions are billed at 3.19% of transaction plus $3.95.


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