Servus Credit Union merchant services delivers payment processing, POS hardware, online payments, and mobile acceptance with interchange-plus pricing and same-day settlement into your business checking account.
Servus Credit Union accounts are federally insured by the National Credit Union Administration. merchant services starts with interchange-plus pricing because flat-rate models overcharge on debit cards and punish businesses that process larger ticket sizes. Every merchant account at Servus Credit Union passes through the actual card network interchange cost with a fixed markup of 0.25% plus $0.10 for card-present transactions and 0.35% plus $0.15 for card-not-present transactions. There are no monthly minimums, no annual PCI compliance fees, and no early termination penalties. Your monthly statement shows every interchange category, every markup, and every batch total in a format your bookkeeper can actually read.
Same-day settlement sets Servus Credit Union apart from third-party processors that hold funds for 48 to 72 hours. When you process transactions through a Servus merchant account linked to a Servus Credit Union business checking account, card batches submitted before 8 PM Eastern Time settle overnight and post to your available balance by 6 AM the next morning. Weekend and holiday batches settle on the next business day. You can monitor batch status, authorization rates, and chargeback notifications through the merchant portal dashboard available in both the Servus online banking interface and a standalone mobile app.
The merchant onboarding process at Servus Credit Union takes one business day from application to processing capability. Our underwriting team reviews your business type, average ticket size, and monthly processing volume to configure the right pricing tier and risk settings. Most businesses receive terminal shipment with pre-loaded merchant parameters, and the virtual terminal activates immediately so you can start taking phone and online orders while hardware is in transit.
Servus Credit Union merchant services supplies countertop, portable, and mobile POS hardware from the Clover, Dejavoo, and PAX terminal families. Countertop terminals handle EMV chip cards, contactless NFC taps including Apple Pay and Google Pay, and traditional magnetic stripe reads. Portable terminals with built-in receipt printers work for table-service restaurants and curbside pickup operations. Mobile card readers connect to iOS and Android devices via Bluetooth for farmers market vendors, trade show booths, and field service invoicing. Hardware pricing starts at $199 for countertop models with no monthly lease fees, and every terminal arrives pre-configured with your merchant parameters and ready to process within minutes of connecting to Wi-Fi or Ethernet.
The online payment gateway integrates with major e-commerce platforms through pre-built plugins for Shopify, WooCommerce, Magento, and BigCommerce. A customizable hosted payment page lets you accept card payments without handling sensitive cardholder data on your server, which reduces your PCI compliance scope to the simplest SAQ A level. The API supports tokenization so returning customers can check out with stored card credentials, and the virtual terminal processes mail-order and telephone-order transactions through a browser interface with address verification and CVV checking.
Mobile payment acceptance through the Servus merchant mobile app turns any smartphone into a payment terminal. The app pairs with a Bluetooth card reader for chip and contactless transactions, supports manual card entry for phone orders taken on the go, and generates digital receipts sent via email or SMS. Transaction history syncs between the mobile app and the full merchant portal, so your bookkeeper sees every sale regardless of which device processed it. The app includes tip entry for service businesses and a product catalog for quick-serve retail operations.
Markup percentages shown are in addition to wholesale interchange assessed by card networks. Interchange rates vary by card type, rewards tier, and transaction method. Servus Credit Union passes interchange through at cost with no padding. All fees effective 2026. Merchant account approval subject to business underwriting.
We cut our processing costs by 30 basis points switching to Servus Credit Union merchant services. The interchange-plus statement finally makes sense, and same-day settlement into our business checking means we never wait three days for money we already earned.
The mobile card reader from Servus lets me take payments at job sites right when the work is done. No invoices, no waiting, no chasing checks. The Bluetooth reader connects to my phone and the money shows up in my account the next morning.
Servus Credit Union merchant services provides in-store POS terminals, online payment gateways, mobile card readers, virtual terminal processing for phone and mail orders, and integrated e-commerce payment APIs. All solutions include EMV chip card acceptance, contactless NFC for Apple Pay and Google Pay, and traditional magnetic stripe reads. Settlement occurs same-day when paired with a Servus Credit Union business checking account, which means funds post to your available balance by the next morning for batches submitted before 8 PM Eastern Time.
Servus Credit Union merchant services uses interchange-plus pricing, which passes the wholesale card network interchange rate through with a transparent, disclosed markup. In-person card-present transactions carry a markup of 0.25% plus $0.10 per transaction. Online and keyed card-not-present transactions carry a markup of 0.35% plus $0.15. PIN debit transactions carry the lowest markup at 0.15% plus $0.05. There are no monthly minimums, no annual PCI compliance fees, no cancellation penalties, and no long-term contracts. Your monthly processing statement itemizes every interchange category and every markup charge.
Yes, Servus Credit Union offers same-day settlement on credit and debit card transactions processed before 8 PM Eastern Time when you maintain a Servus Credit Union business checking account. Card-present batches settle overnight and post to your available balance by 6 AM the following morning. Weekend and holiday transactions settle on the next business day. Card-not-present and virtual terminal batches settle on a next-day schedule. Same-day settlement eliminates the two-to-three-day float that third-party processors typically impose.
Servus Credit Union merchant services supports Clover, Dejavoo, and PAX POS terminal families with countertop, portable, and mobile form factors. Countertop terminals include the Dejavoo Z11 and PAX A80 with built-in receipt printers, color touchscreens, and EMV plus NFC capability. Portable terminals add battery operation and Wi-Fi connectivity for table-service settings. Bluetooth mobile readers pair with the Servus merchant mobile app on iOS and Android for on-the-go payments. Hardware pricing starts at $199 for countertop terminals with no monthly lease obligations. Every terminal arrives pre-configured and ready to process.
Servus Credit Union merchant services offers pre-built plugins for Shopify, WooCommerce, Magento, and BigCommerce that install in minutes and handle the full checkout flow including tokenized card storage for returning customers. A hosted payment page option lets you accept online payments without storing card data on your server, which reduces PCI compliance scope to the simplest self-assessment questionnaire level. The REST API supports custom integrations for proprietary e-commerce platforms, mobile apps, and recurring billing systems. Integration documentation and sandbox testing credentials are available through the Servus merchant portal.
Servus Credit Union merchant services brings interchange-plus pricing, same-day settlement, and multi-channel payment acceptance to businesses that want processing costs they can predict without combing through opaque statements. Pair merchant services with a business checking account to receive same-day settlement and eliminate the external-processor float. When revenue growth calls for capital, explore business loans including SBA-backed term financing and working capital lines of credit.
Every Servus Credit Union merchant account includes access to the online banking portal with integrated batch monitoring and deposit reporting. The cash management platform adds treasury controls for higher-volume merchants. Visit the security center to review PCI compliance support and fraud monitoring tools protecting your account. Our knowledge base contains terminal setup guides and integration tutorials. For assistance, reach contact support or explore online access help for portal configuration.
Servus Credit Union merchant services eliminates the processor middleman so your card revenue lands in your business checking account faster, with transparent pricing and hardware that fits your operation.
Get a merchant services quote in one business day and start processing with same-day settlement into your Servus Credit Union business checking account.
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