Merchant Card Processing

Accepting payments with Merchant Card Processing services from Arbor Bank gives you the flexibility and convenience that today's customers demand.

With Merchant Card Processing:

  • Accept customer payments by 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 view transaction information

Processing Options:

Swipe Machine

Multiple types of swipe machines are offered for rent or purchase. You may even be able to use the equipment you already have.

Phone Verify

No swipe machine is necessary. This option gives you the ability to process card transactions over the phone.


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 with SpotPay™.

SpotPay Logo

SpotPay Processing

Convenience. Security. Profitability. SpotPay.

With 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.

More about SpotPay™

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

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