Merchant Payment Processing Solutions
Whether you accept customer payments in person, by telephone or online, Central Bank's merchant program offers customized payment solutions that will enhance your customer's payment options.

Central Bank's Service Commitment
Central Bank's merchant program with local representatives is committed to providing superior customer service in a continual effort to exceed our merchant's expectations. Our on staff merchant support team is available 8 a.m. to 5 p.m. Monday through Friday, and we provide 24 hour terminal and PC technical help desk support. Our merchant team has experience in sales and support. As merchant service providers, we process applications in house including data entry, terminal deployment, implementation and one on one personal service with our clients after the sale is made. As a commitment to quality service, Central Bank offers month to month merchant account terms with no cancellation fees.

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* Merchant Services are available to Central Bank customers in Kentucky, Ohio and Indiana.

Overview of Products and Solutions
Our diversified product mix meets a wide range of customer needs incuding:

• Corporate, Business and Purchasing Cards - Today, your business customers are implementing card programs to replace inefficient and expensive paper purchase order processes. Central Bank can set up your business with a qualified level 2 or 3 merchant processing account. The benefits include improving profitability by reducing payment time from 60 days to 2-3 days, reducing collection expenses, and increase your competitiveness with new contracts when level 3 processing may be a requirement.
• Debit Card Purchases/EBT - Take advantage of both online (PIN) and offline (credit) debit purchases with connections major debit networks. By connecting you with online state EBT programs, Central Bank provides single point access to Electronic Benefits Transfer programs.
• Flexible Benefit Cards - If your business is a qualified medical or dependent care provider, take advantage of both medical and dependent care flexible reimbursement card payments from your customers.
• Recurring Billing Payments - Cardholders requesting to be automatically charged on a regular basis for a continuing service can be accommodated with our recurring billing payment options. The ability to generate automatic payments will benefit in reducing receivables, improving cash flow and cutting collections and bad debt as well as enhancing your customer service.
• Card Not Present/Internet Payments - Central Bank supports security features to manage risk on card not present transactions for all payment options. Our representatives specialize in risk education to assist our merchants to minimize card not present risk and requirements to obtain the best processing rate.
• Gift and Loyalty Card Payments - Valutec, Central Banks comprehensive gift and loyalty card program helps you capitalize on a growing industry. By offering a wide range of program options, we provide your organization with the ultimate in choice and flexibility. Issue your own secure electronic gift and loyalty card to replace paper gift certificates and punch card frequency programs. A full suite of reporting services will help you increase sales, manage liability and automatically track point balances for rewards and incentive programs.
• Electronic Check Conversion Processing - Convert paper checks at the point of sale with approved electronic check entries. The service allows you to continue offering your customers the ease and convenience of check writing, while reducing the cost and risk of paper check acceptance.

Payment Processing Options
Central Bank recognizes that the financial processing needs of different businesses can vary widely. We offer multiple customized payment options tailored to your specific payment needs.

• Touch Tone Capture Processing - Touch Tone Capture offers merchants a simple and affordable option for card payment transaction processing. For the smaller volume merchant who may not want to invest in point of sale equipment or software. All transactions are authorized and automatically settled by using any touch tone phone including your cell phone and a toll-free number that connects to an interactive voice response unit to enter the transaction information. The service is available 24x7x365 and is a full featured system and supports sale, return, void, authorization only and forced entry. Dial up touchtone processing offers the convenience of electronic processing including address verification, security features and business card prompts to ensure best processing rates.
• Terminal Processing - For any merchant who wants the convenience of electronic processing along with speed and efficient receipt printers and reporting at the end of your business day. Central Bank has partnered with the leading providers of point of sale equipment with both dial up and internet communication options.
• Wireless Terminal Processing - For any merchant requiring mobility, flexibility, reducing risk for error and missed payments. With mobile wireless terminal solutions, merchant use advanced technology that includes both internal wireless service and battery power so neither a phone line or power outlet is necessary to run credit card transactions. Benefits include fast transaction processing combined with thermal printers to generate customer receipts, and wireless units qualify for card present swiped transactions at the lowest possible rates.
• Virtual Terminal Processing - For merchants who have a need for multiple payment options, Pay Trace Virtual terminal allows multiple users a secure log in to the Virtual online terminal from any PC connected to the internet. User profiles can be created and modified with specific permissions. The virtual terminal will allow for magnetic card present, recurring transactions, refunds, voids, mail phone, and online shopping cart payment options. The secure web log in reduces the merchants risk for compromised card data storage as nothing is stored at the business site and requires no installation or upgrades for newer versions.
• PC Software Solutions - Central Bank supports multiple PAPB (payment application best practices) approved software solutions which allow merchants to turn any windows PC into a functional point of sale register. We offer specialized dial up or secure internet communication processing solutions for your electronic payment needs and can assist in selecting applications in software specific to your industry.
• Internet/E Commerce Solutions - Merchants can accept payments through their website using a registered CISP (Cardholder Information Security Program) Internet payment gateway and a shopping cart for card payment data. Central Bank is committed to risk education for our merchants and can assist clients with approved compatible gateways.

Click here for Merchant Services Products and Links

* Merchant Services are available to Central Bank customers in Kentucky, Ohio and Indiana.