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Bank of Oklahoma offers efficient and cost-effective solutions for accepting card payments to thousands of merchants throughout the United States.

Accepting Visa and MasterCard allows businesses to offer additional payment options, making it easier to sell services or products. A merchant account can provide:

  • Convenience: Allowing for immediate sales.
  • Reduced Receivables: Reduce your 30-, 60-, or 90-day receivables.
  • Fast Availability of Funds: Funds are deposited directly into your checking account within 24 to 48 hours.
  • Easy Reconciliation: Merchants receive the gross amount of their card deposits; processing fees are charged at month-end. Weekly or daily deposit summary statements detail all card transactions. A monthly statement includes a summary of deposits and fees.

No business is the same and Merchant Accounts are customized to meet the unique needs of each merchant.

  • Merchants have the option of accepting Visa, MasterCard, Discover and American Express credit and debit cards, pin-debit cards, electronic benefit cards (EBT) and gift cards.
  • Opening a merchant account permits businesses to accept card payments for purchases with funds depositing electronically into a designated deposit account.
  • Numerous methods for accepting and processing card payments are supported including Smart Phones, touch-tone phones, Point-of-Sale (POS) terminals, Internet virtual terminals, Internet gateways, POS software, as well as custom integration. 

Ask which one is best for your business.

Electronic transmission is effortless and the most economical method of card processing, making it the top choice for most merchants. With Electronic Ticket Capture (ETC), card transactions are authorized, posted and deposited electronically, eliminating the need to physically transport card items to the bank for deposit.

With ETC, you gain flexibility and control over your merchant account with the added ability to make adjustments or corrections to card transactions. The most common electronic processing methods are: 

  • Audio Response Unit (ARU): This method is a viable alternative for paper or low-volume merchants. Merchants utilize a touch-tone telephone to key in merchant and cardholder information. No additional equipment is required, just your touch-tone telephone and an imprinter.
  • Point-of-Sale Terminals (POS): This method is most often used in a retail environment where the card is swiped through a POS terminal. The ability to swipe the card reduces the risk of fraudulent transactions and results in the lowest available processing fees.
  • PC Software: This method is ideal for merchants who receive most of their credit card sales by mail or phone. Various applications are available - ask for details.


To learn more, contact a Business Expert today.

Tulsa Area:
(918) 710-3616

Oklahoma City Area:
(405) 200-1751

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© 2016 Bank of Oklahoma, a division of BOKF, NA. Member FDIC. Equal Housing Lender.