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Merchant Services

Payments Made Easy for PA, NY & NJ Businesses

Take payments anywhere your customers are, at the counter, on the go, or online. Next day funding, around-the-clock support, and a partner who knows your business.

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Features Payment Solutions Industries Processing Fees Security & PCI Support FAQ

Accept Payments Any Way Your Customers Want to Pay

Your customers expect to pay the way they want, whether that's tapping a card at the counter, checking out online, keying in a number over the phone, or completing a purchase inside your app. Peoples Security Bank & Trust makes it simple with merchant services powered by Elavon*, one of the largest payment processors in the world.

You get enterprise-grade payment technology, layered security, and flexible funding schedules, all backed by the local relationship you already have with your community bank. From your first transaction to your next location, our merchant solutions scale alongside your business.

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*Products and services are offered through Elavon Inc. These products/services are not obligations of Peoples Security Bank & Trust Company. Elavon Inc. and Peoples Security Bank & Trust Company are not affiliated.

What's Included With PSBT Merchant Services

Multi-Channel Acceptance

In-store, online, in-app, phone, and mobile transactions on a single platform.

Advanced Security

Encryption, tokenization, and fraud rules that protect cardholder data in transit and at rest.

Flexible Funding

Choose the deposit schedule that fits your cash flow and business needs.

24/7 Customer Care

Dedicated account managers who know your business, available around the clock.

Industry-Specific Solutions

Built for retail, restaurants, healthcare, professional services, eCommerce, hospitality, travel, and more.

Your Complimentary Review

Not sure what you're actually paying? We'll show you.

PSBT business bankers work with the Elavon* team to review a business's current processing statement and identify where a business is paying above market. There is no obligation from the review. To request a complimentary statement analysis, fill out a contact form or call 1.844.PSBT.NOW.

*Products and services are offered through Elavon Inc. These products/services are not obligations of Peoples Security Bank & Trust Company. Elavon Inc. and Peoples Security Bank & Trust Company are not affiliated.

Get Your Free Review

 

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Every Place Your Customers Actually Pay

PSBT merchant services cover every channel your business uses to take money, in-person, mobile, online, and everything in between.

In-Person Payment Acceptance

Smart terminals with touchscreens, EMV chip card readers, contactless payment terminals for tap-to-pay, and tablet point of sale systems for retail counters and restaurant floors. Every device accepts Visa, Mastercard, Discover, American Express, PIN debit, Apple Pay, Google Pay, and Samsung Pay.

Mobile and Wireless Payments

Portable card readers and wireless terminals for mobile services, food trucks, delivery, in-home visits, and pop-up retail. Payments run over Wi-Fi or cellular so a business can accept a card wherever the customer is.

Ecommerce and Online Payments

A payment gateway that integrates with common online shopping carts, invoicing platforms, and subscription billing tools. The same merchant account handles website checkout, emailed invoices, and recurring billing so reporting and funding live in one place.

Virtual Terminal

Web-based payment acceptance for phone, mail order, and back-office keyed transactions. Any browser becomes a card acceptance device for staff who need to process an order over the phone or key in a transaction from a paper form.

Loyalty and Gift Card Programs

Branded gift cards and loyalty programs that run through the same terminal a business already uses, without adding a second vendor. Useful for restaurants, salons, retailers, and hospitality operators building repeat customer revenue.

Reporting and the Merchant Portal

A web-based reporting portal shows sales trends, batch settlements, chargebacks, and funding activity in one dashboard, viewable from any browser. Owners and controllers can pull the data they need without waiting for a paper statement.

Payment Realities Differ By Industry,

and we get that. PSBT merchant services are configured to match how each business actually takes money.

Restaurants

Full-service dining, quick service, cafes, food trucks, and catering operators need fast counter or tableside payment, split checks, tip adjustments, and reliable takeout and delivery integrations. PSBT merchant services support tablet point of sale systems, handheld payment devices for tableside checkout, and gift card programs that drive repeat visits. Restaurant funding runs on the same next day schedule as retail when paired with a PSBT business checking account.

Retail

Boutiques, specialty shops, and multi-location retailers benefit from counter smart terminals with contactless acceptance, inventory-friendly tablet point of sale systems, and ecommerce gateways for the online storefront. The same merchant account handles the register and the website, so end-of-month reporting is one report, not two.

Healthcare and Dental Practices

Medical, dental, and veterinary practices process co-pays, patient balances, HSA and FSA card acceptance, and card-on-file recurring billing. Virtual terminals and email invoicing let a practice bill patients between visits, and PCI compliance support helps protect sensitive patient payment data.

Professional Services

Law firms, accounting practices, agencies, and consultants often need to accept larger keyed transactions, retainer deposits, and recurring service fees. The virtual terminal, email invoicing, and recurring billing tools inside the PSBT merchant services suite are built for exactly this workflow. IOLTA and trust-account handling is coordinated separately through PSBT business banking.

Hospitality

Hotels, inns, and short-term rental operators need to authorize deposits at booking, capture the final charge at checkout, and manage no-show fees and incidentals. PSBT merchant services support the authorization and capture workflow, plus integrated payments across the property and the online booking channel.

Service-Based Businesses

Salons, spas, contractors, auto services, and home service providers can accept payment on the job with mobile readers, in the shop with a smart terminal, or through recurring billing for maintenance and subscription plans.

How Credit Card Processing Fees Actually Work

The single most common question a business owner asks is what card processing actually costs. The honest answer is that every card transaction has three separate cost layers, and understanding those layers is how you evaluate any processor's proposal.

1

Interchange

Interchange is the fee the card networks (Visa, Mastercard, Discover) set and pass to the bank that issued the customer's card. It is the largest component of card processing cost and varies by card type, whether the card is present or keyed, ticket size, and industry. Rewards cards, corporate cards, and international cards carry higher interchange than standard consumer debit.

2

Assessments

Assessments are separate fees paid directly to the card networks themselves. They are smaller than interchange, published quarterly, and apply to every transaction. Assessments are the same for every processor because they are set by the networks.

3

Processor Markup

The processor markup is what the payment processor charges to route the transaction, deliver hardware and software, provide support, handle chargebacks, and fund the merchant account. This is the layer that varies most between providers and the layer a business owner has room to negotiate.

4

Your Effective Rate

Your effective rate is the total of all three layers divided by your monthly card volume. A business processing $50,000 a month in card sales that pays $1,250 in total fees has a 2.5% effective rate. This single number is the most useful basis of comparison between processors, and it is the number to ask any processor to model against a real month of your card volume.

Your Complimentary Review

Not sure what you're actually paying? We'll show you.

PSBT business bankers work with the Elavon* team to review a business's current processing statement and identify where a business is paying above market. There is no obligation from the review. To request a complimentary statement analysis, fill out a contact form or call 1.844.PSBT.NOW.

*Products and services are offered through Elavon Inc. These products/services are not obligations of Peoples Security Bank & Trust Company. Elavon Inc. and Peoples Security Bank & Trust Company are not affiliated.

Get Your Free Review

Built-In PCI Compliance and Card Data Protection

Every business that accepts card payments has an obligation to protect that card data. PSBT merchant services include multi-layered security tools built to reduce risk and simplify annual PCI DSS validation.

  • End-to-end encryption on every supported terminal and gateway so card data is protected from the moment it is swiped, tapped, or keyed.

  • Tokenization that replaces card numbers with a non-sensitive token for recurring billing, card-on-file, and back-end reporting.

  • EMV chip card and contactless acceptance to reduce counterfeit card exposure and shift liability appropriately at the terminal.

  • PCI DSS compliance support with breach warranty coverage available through the Elavon program.

  • Dedicated fraud monitoring and chargeback tools to catch suspicious activity before it becomes a loss.

National Processor Depth. Local Banker Access.

PSBT merchant services combine a national processor's technical depth with local business banking access.

24/7/365 US-Based Support

Around-the-clock support through the Elavon merchant care team for terminal, gateway, and transaction questions. Call 800.725.1243.

Dedicated Account Manager

One point of contact for account-level questions, statement reviews, and equipment upgrades.

Local PSBT Business Bankers

In-person banking conversations at every PSBT branch across Pennsylvania, New York, and New Jersey.

Direct Line to PSBT

Call 1.844.PSBT.NOW during normal business hours for anything you need.

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Frequently Asked Questions

Answers to the most common questions business owners ask about payment processing, funding timelines, and merchant account setup.

A merchant services account is a business bank account that lets a company accept credit card, debit card, and electronic payments from customers. When a customer pays with a card, funds move from the card network through a payment processor and into the business's merchant account before settling to the business's operating checking account. PSBT provides merchant services through Elavon, so PSBT business customers can accept payments in person, online, and on the go.

Every card transaction has three cost layers. Interchange is set by the card networks and paid to the card issuing bank. Assessments are separate network fees paid to Visa, Mastercard, Discover, and American Express. The processor markup is what the payment processor charges to route the transaction. Your effective rate is the total of all three divided by your monthly card volume. Rates vary based on card type, whether the card is present or keyed, business type, ticket size, and monthly volume.

Through the Elavon partnership, PSBT offers smart terminals with touchscreens, EMV chip card and contactless payment terminals, tablet point of sale systems, portable and wireless card readers, an integrated ecommerce payment gateway, and virtual terminal access for keyed transactions. The right setup depends on the business type, transaction volume, and whether payments happen in person, online, or both.

Yes. PSBT merchant services support ecommerce with a payment gateway that integrates with common online shopping carts, invoicing platforms, and subscription billing tools. Business customers can accept card payments on their website, through emailed invoices, and over the phone using a virtual terminal, all funded to the same merchant account.

PSBT merchant services support next day business funding for eligible transactions when the merchant account is paired with a PSBT business checking account. Funding timing can vary based on batch settlement time, card type, and account type. A PSBT business banker can review the funding schedule that fits the business.

A PSBT business checking account is not required to start a merchant services conversation, but pairing merchant services with a PSBT business checking account is how customers unlock next day funding and consolidate business banking with one local partner across PA, NY, and NJ.

PSBT merchant services fit a wide range of industries including restaurants, retail, healthcare and dental practices, professional services such as law and accounting firms, hospitality, and service-based businesses. The Elavon platform includes industry-specific payment configurations and reporting so the tools match how each business actually takes payments.

PCI DSS compliance is a set of security standards every business that accepts card payments must meet. PSBT merchant services include end-to-end encryption, tokenization, EMV chip card acceptance, and dedicated PCI DSS compliance support to help protect customer card data and simplify annual PCI validation for the business.

Yes. Business owners currently working with another processor can request a complimentary statement review through PSBT. A business banker will connect the customer with the Elavon merchant services team to analyze current processing fees and recommend potential savings. There is no obligation to switch after the review.

PSBT merchant services customers have 24/7/365 support through the Elavon merchant care team plus a dedicated account manager for account-level questions. PSBT customers can also reach a local business banker at any of the 40 PSBT branches across PA, NY, and NJ or by calling 1.844.PSBT.NOW.

Still have questions?

Talk with a PSBT business banker directly.

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