Merchant Services

Say goodbye to bulky card readers. With Stillman Bank Merchant Services, powered by Tap2Local, you can accept card payments directly from the Stillman Bank Mobile App, without any extra equipment or terminals. Whether you’re selling at a storefront, running a home business, or on the move, Tap2Local makes transactions fast, secure, and effortless. It supports all major cards, including Visa, Mastercard, American Express, and Discover, and works seamlessly on both iOS and Android devices.

Why Choose Stillman Bank Merchant Services?

✔ No hardware required. Payments happen right from a phone or tablet.
✔ Easy setup and enrollment. Get started in minutes.
✔ Improves customer service. Flexible payment options meet modern customer expectations.
✔ Integrated accounting. Less manual work for business owners.
✔ Strengthens your business’s value. Helps retain and grow business relationships in a competitive market.

How Does Merchant Services Work?

Merchant Services gives your business three flexible payment options, so you can accept payments smoothly anytime and anywhere. Payment links and QR codes make accepting card-not-present payments simple and give your business the versatility it needs.

✔ Tap to Pay. Customers simply tap their physical card or use a digital wallet, like Apple Pay or Google Pay, directly to your business’s mobile phone.
✔ Payment Links. Create unique payment links and send them directly to customers, allowing them to pay securely online at their convenience.
✔ QR Codes. Generate a QR code on your phone screen for customers to scan. This feature works across mobile, web, and desktop interfaces.

Security You Can Trust

Merchant Services protects your business with secure identity verification during sign-up, integrated dispute management, and continuous fraud monitoring to keep every transaction safe.

Fast, Predictable Settlement

Merchant Services offers next-day card settlement, so approved funds are quickly added to your business wallet, boosting cash flow and giving you dependable access to your earnings.

Merchant Insights at Your Fingertips

See your business’s financial insights instantly. Track revenue, monitor key metrics, and follow cash flow in real time within your banking app. No spreadsheets, no delays, just a clear, high-level view of your payments that helps you make smarter decisions faster.

Pricing

✔ In-person payments. 0.60% + 15¢ per transaction, plus interchange.
✔ Online sales. 0.50% + 15¢ per transaction, plus interchange.
✔ In-person payments, international cards. 2.1% + 15¢ per transaction, plus interchange.
✔ Online sales, international cards. 3.9% + 3¢ per transaction, plus interchange.
✔ Chargeback fee. $15.00 per chargeback.

How to Enroll

You can accept card payments directly through the Stillman Bank Mobile App by following a few easy steps:

✔ Locate the Merchant Services sign-up option within the mobile app and tap Enroll Now.
✔ Read the disclosures, and if you’re ready to continue, tap Get Started.
✔ Add general details about your business.
✔ Review the provided pricing agreement.
✔ Select the account you’d like your daily settlements deposited into, and tap Continue and Save.

Each account must be reviewed and approved before it can be used. Approximately 65 to 70 percent of businesses receive instant approval and can start taking payments immediately. Once approved, you’ll be issued a unique merchant identifier, which enables you to begin accepting payments.

Frequently Asked Questions

+ Do I need any special equipment to accept card payments?

No. Merchant Services works directly from the Stillman Bank Mobile App on your phone or tablet, with no card reader or terminal required.

+ What cards can I accept?

Merchant Services supports all major cards, including Visa, Mastercard, American Express, and Discover.

+ How quickly do I get approved?

Approximately 65 to 70 percent of businesses receive instant approval and can start taking payments immediately. Every account is reviewed before it’s approved.

+ How quickly are my funds available?

Merchant Services offers next-day card settlement, so approved funds are added to your business wallet quickly.

+ What does Merchant Services cost?

Pricing depends on how the payment is accepted. In-person payments are 0.60% + 15¢, and online sales are 0.50% + 15¢, plus interchange. International cards and chargebacks have separate rates. Review the pricing agreement during enrollment for full details.

+ Can I track my sales and revenue in real time?

Yes. Merchant Insights gives you a real-time view of revenue, key metrics, and cash flow directly within your banking app.

Find Out if Merchant Services Is Right for Your Business

To find out if Merchant Services is right for your business, or to learn more, contact us today.