Credit Card Processing & Merchant Services

Merchant Services

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At First National Bank and Trust (FNBT), we provide customized merchant services designed to help you optimize technology, streamline operations, and gain a competitive edge.


Simplify Payments. Elevate Your Business

With our secure, flexible payment solutions, you can accept payments anytime, anywhere — whether in-store, online, or on the go.

Through our partnership with Ironwood, we offer tailored payment processing solutions that boost revenue, improve efficiency, and keep your business ahead in an ever-changing marketplace. Ready to simplify payments? Click or call 1.888.255.2114 to get started.

Custom Payment Solutions for Every Industry

FNBT is more than just your bank – we are your dedicated partner in business success. Whether you are a small business, a large enterprise, or somewhere in between, we provide the right tools and expertise to meet your unique needs.

Explore Our Solutions:

Point-of-Sale (POS) Solutions

Upgrade your business with a modern, all-in-one POS system that helps you manage sales, inventory, time management, and customer interactions – all in one place. Our cloud‑based POS solutions are designed for speed, reliability, and ease of use, giving you complete control over operations.

Features include:

  • Fast, secure payment processing with EMV & contactless options
  • Inventory tracking to monitor stock levels in real‑time
  • Employee management tools to streamline scheduling and reporting
  • Customer loyalty programs to drive repeat business

Perfect for: Restaurants & Cafes | Salons & Spas | Retail Stores with Inventory | Boutiques

Virtual Terminals and Payment Gateways

A secure, cloud‑based solution that allows you to process payments from any internet‑connected device.

Features include:

  • Customer vault for securely storing payment details
  • Recurring billing and invoicing options
  • Seamless eCommerce integration
  • Integration into popular accounting platforms

Perfect for: eCommerce | Nonprofits | Business‑to‑Business | Subscription‑based Businesses

Mobile Solutions

Transform your smartphone or tablet into a secure mobile payment processor. Ideal for businesses that need flexibility, whether handling in‑person or remote transactions.

Perfect for: Taxi & Rideshare Services | Food Trucks | Field Services (Plumbers, Contractors, etc.) | Event Management

Countertop Terminals

Our plug‑and‑play countertop terminals offer a reliable and user‑friendly way to process payments and keep operations running smoothly while providing a positive experience for customers.

Perfect for: Convenience Stores | Service‑based Businesses | Boutiques | Retail Businesses

Wireless Terminals

Designed for businesses on the move and outdoor events, our wireless terminals work over 4G and provide fast, portable payment processing from virtually anywhere.

Perfect for: Market Vendors | Pop‑Up Shops | Tour Operators | Landscapers

Industry Specific Programs

Our specialized payment solutions provide secure and seamless payment processing for industries with unique transaction needs.

Perfect for: Healthcare | Automotive Services | Higher Education | Municipalities


Go Beyond Payments with Value‑Added Services

Enhance your business with solutions that do more than just process payments:

  • eCheck Processing – Allow your customers the flexibility to pay remotely and securely from their bank account
  • Check Guarantee – Reduce fraud risk
  • Gift and Loyalty Programs – Boost customer retention

Powered by Ironwood, our payment processing solutions offer advanced reporting features and 24/7 support to keep your business running smoothly.