Merchant Services

Convenience is key for attracting the business of today’s consumer. That’s why offering point-of-sale (POS) transactions allowing customers to pay for merchandise or services at the check-out counter is critical for your success.

Merchant Service Customers: We understand that the new PCI Compliance program can be confusing. We’re here to help you. Please click here for a step-by-step guide to ensuring compliance.

Our Merchant Services include:

• Acceptance of
• Visa®
• MasterCard®
• American Express®
• Discover®
• ATM /Debit Card
• EBT
• Electronic Check Conversion
• Gift Cards - Customized Gift Cards available now for your business!

One-Stop Processing

• Free analysis of your current program
• Save money with competitive rates
• Debit, credit and EBT
• Funds available within 24-48 hours
• EBT readiness. Increased EBT mandates have motivated many consumers and merchants to implement and use POS technology.
• PCI-compliant processing

Processing Equipment

• New terminal and PIN-pad sales
• Wireless and mobile devices
• Internet Processing

Managing Your Bank Card Business

• Local account specialist support for implementation and recommendations for increasing your sales
• Local help desk service during banking hours
• Additional technical support - 24 hours a day, 7 days a week
• Monthly merchant statement
• Fraud and risk reviews
• Online merchant account viewing available (eMerchantView)
• Earn processing fee credits for new merchant referrals

Gift Cards

• Gift card processing is available for any merchant wanting to increase customer retention and average sale ticket. Merchants can purchase from a standard pre-made selection, or choose to customize their gift cards with our Custom Card Program.
• Gift Card Displays can be purchased pre-made or customized for display.
• Customer loyalty card programs are also available for merchants wanting to capture their customer's basic demographic information and build a database of their loyalty customers.

ATM Processing

• Increase the level of convenience to your customers by accepting ATM debit cards from Star, Excel, Interlink, and Pulse as well as many other widely issued debit card providers.
• Debit processing can often be easily incorporated with current credit card terminals.

Contact Us

Call our Merchant Services Specialists at 866-714-8225 or 530-226-2933 or email us for more information. A representive will visit with you in person or on the phone to discuss how you can benefit from NVB Merchant Services.

Notice to Merchant Services Customers

Beginning in 2011, all U.S. payment providers including North Valley Bank are required by the Internal Revenue Service (IRS) to report sales information to the IRS about customers who receive payments for the sale of goods or services. In January 2012, you will be provided a Form 1099-K indicating your annual gross sales as reported to the IRS.  To avoid back up withholding beginning in 2012 it is very important that we have the correct tax filing name and taxpayer ID number (TIN) on file. 

We may contact you by mail or phone prior to January 1, 2012 if we do not have a TIN/TFN or need to confirm the accuracy of your TIN/TFN.  If you receive a letter requesting updated information, this does require immediate attention.  Please fax the requested form to 707-268-0511 or call us at 866-714-8225 if you have questions regarding this reporting and validation of your tax information. Click here for a sample of the letter and form.

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