Merchant Services and Payment Processing at NexTier Bank

Point-of-Sale Solutions

NexTier Bank offers a range of POS hardware to match your business environment. Countertop terminals handle high-volume retail and restaurant operations with chip, tap, and swipe capability. Wireless terminals serve businesses that process payments tableside, at trade shows, or at job sites. Full POS systems with touchscreen interfaces integrate payment processing with inventory management, employee time tracking, customer loyalty programs, and detailed sales reporting.

All NexTier Bank POS hardware supports EMV chip technology and NFC contactless payments, including Apple Pay and Google Pay. Point-to-point encryption protects card data from the moment of tap or dip through authorization and settlement, meeting or exceeding PCI Data Security Standards. Hardware can be purchased outright or leased on a monthly basis with equipment replacement coverage included in the lease.

For restaurants and hospitality businesses, NexTier Bank offers POS solutions with tip adjustment, menu management, split-check processing, and kitchen display integration. Retail businesses benefit from barcode scanning, inventory tracking with low-stock alerts, and end-of-day reconciliation reports that tie directly to your NexTier Bank deposit record. Every system is configured and installed by our merchant services team with on-site training for your staff.

E-Commerce Payment Gateway

NexTier Bank provides a secure payment gateway that integrates with major e-commerce platforms including Shopify, WooCommerce, BigCommerce, Magento, and custom-built websites through RESTful API integration. The gateway supports credit cards, debit cards, ACH payments, and digital wallets, giving your online customers the same payment flexibility they expect from major retailers.

Hosted payment pages are available for businesses that want to minimize PCI scope by redirecting customers to a NexTier Bank-hosted checkout form. For businesses that prefer a fully embedded checkout experience, our JavaScript SDK allows custom form styling while maintaining PCI compliance through tokenization — sensitive card data never touches your server.

Mobile Payment Processing

The NexTier Bank mobile card reader connects to any iOS or Android smartphone via Bluetooth, enabling your business to accept card payments anywhere with a cellular or Wi-Fi connection. This is ideal for farmers market vendors, food trucks, home service providers, delivery drivers, and any business that operates outside a fixed location.

The mobile reader supports chip, tap, and manual entry transactions. Receipts are delivered via email or SMS, eliminating the need for a thermal printer. Transaction data syncs to your NexTier Bank merchant portal in real time, and settlements follow the same next-business-day timeline as in-store transactions. The Essentials plan includes one free mobile card reader at enrollment.

Virtual Terminal

For businesses that take orders by phone, mail, or invoice, NexTier Bank's virtual terminal allows you to process card-not-present transactions from any web browser. Enter the customer's card information manually, process the payment, and send a digital receipt — no physical terminal required. The virtual terminal also supports recurring billing for subscription-based businesses, membership organizations, and service providers who bill clients on a regular schedule.

Reporting and Reconciliation

Every NexTier Bank merchant account includes access to an online reporting portal with real-time transaction data, daily batch summaries, monthly statements, and chargeback management tools. Reports can be filtered by date range, card type, transaction amount, and terminal ID for multi-location businesses. Data exports in CSV format for direct import into your accounting software.

Because your merchant deposits settle into your NexTier Bank business checking account, reconciliation is straightforward. The deposit amount on your bank statement matches the batch settlement total in your merchant portal, minus processing fees. There is no third-party payment facilitator adding a layer of complexity between your sales and your bank account. The OCC expects banks to maintain transparent merchant services relationships, and NexTier Bank delivers that transparency through clear pricing and detailed reporting.

Transparent Pricing and Fee Review

NexTier Bank takes a fundamentally different approach to merchant services pricing. Instead of bundling processing fees into opaque tiered rates that obscure the true cost of each transaction, our Professional and Enterprise plans use interchange-plus pricing — the actual interchange rate set by the card networks plus a transparent fixed markup. This means you see exactly what Visa, Mastercard, or American Express charges and exactly what NexTier Bank charges on every transaction.

For businesses currently processing with a third-party provider, NexTier Bank offers a free statement analysis. Bring your last three monthly processing statements, and our merchant services team will break down your effective rate, identify hidden fees, and compare your current costs against NexTier Bank pricing. Many businesses that switch to NexTier Bank reduce their effective processing rate by 0.20% to 0.50% — which on $500,000 in annual card volume represents $1,000 to $2,500 in annual savings.

There are no early termination fees on NexTier Bank merchant accounts. We earn your business every month through transparent pricing, reliable settlement, and responsive support — not through a contract that penalizes you for leaving. If you find a better deal elsewhere, you are free to switch at any time. That confidence in our value proposition is rare in the merchant services industry.

Security and PCI Compliance

Payment security is non-negotiable. NexTier Bank merchant services infrastructure is built on PCI DSS Level 1 certified payment processing, the highest standard in the industry. Every in-person transaction uses point-to-point encryption, meaning card data is encrypted at the terminal and cannot be intercepted or read by malware on your network. Online transactions use tokenization, replacing sensitive card numbers with non-reversible tokens that are useless to attackers even if intercepted.

All NexTier Bank merchant plans include PCI compliance support. You receive guided assistance completing your annual PCI self-assessment questionnaire, quarterly external vulnerability scans by an approved scanning vendor, and breach protection insurance that covers forensic investigation costs, card network fines, and notification expenses in the event of a data breach. For businesses that handle card data internally, our security team provides recommendations for network segmentation, access controls, and encryption standards.

Chargeback management tools are available through the online merchant portal. When a customer disputes a transaction, NexTier Bank notifies you immediately with the dispute details and a clear deadline for response. The Professional and Enterprise plans include a full chargeback portal with document upload, response templates, and status tracking. Our merchant services team can also advise on best practices for reducing chargebacks — proper receipt procedures, clear refund policies, and descriptor optimization so customers recognize your charges on their statements.