Merchant Services

3Rivers Federal Credit Union’s Business Services offers credit card processing by Payment Processing Consultants, a recognized leader in payment technology. We can help your business grow by giving you another outlet for collecting income. Accepting credit card payments from your customers – both online and in person – increases your sales.

Already accept credit cards? Capital Bankcard offers a free, no-obligation comparison of your current processor to determine if you’re paying too much in fees.

Why is 3Rivers Merchant Services right for you?

Low Cost

  • $7.95 standard monthly fee with no extra or undisclosed fees
  • No cancellation fee, no application fee, no reprogramming fee, no setup fee
  • Equipment can be purchased at cost (if compatible, existing equipment can be reprogrammed at no additional charge)
  • Customer portal (no additional charge)
  • Ongoing training opportunities (no additional charge)
  • No minimum monthly sales requirement
  • No contracts (lock-in rate agreement only)



  • Local and highly responsive representatives, tech support, and customer service with fast response time

  • Cash settlement to account within 24-48 hours

  • ATM machine can be placed at business for added income opportunity
  • Ensure that members are PCI/EMV compliant and following industry standards ($79 annual fee)


  • Merchant Services Overview