Credit Card Processing
For all your small business payment processing needs.
The First has been offering convenient and affordable payment processing for businesses in Bucks County since 1978. We offer state-of-the-art equipment with hands-on training, installation and competitive pricing. Credit card processing has never been easier, so ask us about accepting credit and debit card transactions using your cell phone, tablet, stand-alone terminal or PC.
The First is a true community bank serving businesses near our branch locations. When you partner with us for your credit card processing needs, you can expect friendly, knowledgeable, and in-person service and training. The First will tailor a cost effective processing equipment solution and offer competitive pricing for every business and budget.
Benefits of Credit Card Processing with The First
- We provide acceptance for VISA®, MasterCard®, American Express®, Discover® and Debit Cards.
- Processing options with 3% surcharge and dual pricing.
- We offer a check service option to reduce your risk of accepting bad checks.
- We have numerous networks and equipment to fit all your business needs.
- We support all sizes and types of merchants. Merchants can process transactions via a swipe terminal, telephone, smartphone, tablet, PC, existing point of sale system, website or the Internet.
- We provide hands-on customer service and training.
Credit Card Processing FAQs
We have the answers to your most common questions about payment processing for small businesses.
Why do I need to accept Debit/Credit Cards for my Business?
With debit cards (funds drawn right from your checking account) and credit cards, consumers and business owners typically do not carry cash. Retailers have found that debit and credit card users spend more than a customer who pays for products or services with cash or check.
I’m worried the fees will be too much for my business to accept Debit/Credit cards.
Most businesses see an increase in sales as high as 30 percent, which typically more than covers the fees. With our variety of products, we can offer very competitive fees or pass the fees to your clients with the options of 3% surcharge and dual pricing. If you already accept debit/credit cards, we can do an estimated comparison for you so that you can see what you might save.
Why do I have to purchase equipment? It’s just too expensive.
The First offers a variety of methods to process debit and credit cards. We have online, terminal, Bluetooth and wireless solutions. We never sell you equipment and products that you do not need and work directly with you to determine the best products that would fit your business needs.
I don’t want to sign a contract.
While The First does require you to sign a three-year contract, we also offer hands-on service and work with you to fully maximize our products. If you decide you are unhappy with our products and service, you can cancel your contract at any time; however, there is a termination fee that is based on the length of the service.
Why should I choose The First for my Credit Card Processing?
The First has been in the Credit Card processing business for over 40 years. We are a community bank that understands our clients’ needs for personalized and cost-effective credit card processing options. Our rates are very competitive, and we offer a variety of products to fit any type and size of business.
I already accept credit cards for my business.
Not a problem, The First will do a free competitive pricing analysis. In most cases, we can reduce your current processing fees.
Existing Customers FAQs
We’re always happy to answer your questions by phone or in person. For your convenience, here is a list of the most frequently asked questions we hear from our existing payment processing customers.
Who should I call if I have a question or my equipment is not working?
- Ironwood Customer Service: 844-449-7687 or email [email protected]
- PAYA (Check Services): 800-261-0240, Press 1
For basic terminal troubleshooting:
- Always reboot
- Make sure all your cables (phone line, ethernet cable, power cord) are connected into your terminal and into the power source
- If the terminal is not printing, make sure the paper is filled and inserted the correct way.
- Black screen on terminal: hit the power button, swipe up, press DVPLite on screen. This should bring you back to the Ironwood screen
How do I order paper for my terminal?
- If you have a standalone terminal, please call 215 –579-3400 or email [email protected] (2 U“ x 70′ thermal)
How do I view my processing statements?
- Log on to your Ironwood portal. Across the top, click on the statement tab. Click on view statement for the corresponding month you want to view. At this point, you can view the statement, download or print it.
What is this $39.95 PCI fee on my statement?
- This means that your PCI questionnaire is expired. PCI Compliance relates to how securely credit card information is being handled and processed and is required by the Card Associations (Visa, MasterCard, Discover, and American Express). Look for emails from Security Metrics to complete the questionnaire.
What if I don’t know my password for Security Metrics?
- You can click “Forgot Password” under the username/password fields or call Ironwood Customer Service at 844-449-7687.
Success Starts Here
Partner with the local Bucks County team that has more than 50 years’ experience in the credit card processing industry. Let us help you improve your cash flow by accepting credit cards anywhere: in-store, mobile, tablet, online, and contactless. We can help you stay connected with the latest payment technology with competitive pricing and strong customer service. Questions about credit card processing or ready to get started? Contact our credit card processing team.
