When your business accepts credit and debit cards you are able to manage your business more efficiently and better serve your customers. Businesses of every size rely on electronic transaction and payment processing to reduce risk, lower operating costs and provide a means to increase sales.

We are proud to offer a variety of merchant services. Contact Sandhills Bank to learn more about the advantages of accepting credit and debit cards.

• Knowledgeable, Local Sales Representation.
• Accept Cards From Customers All Over the World.
• Leverage Worldwide Coverage of All Major Credit Networks.
• 24/7 Seamless Installation and Support.

Users of Sandhills Bank's Merchant Services program have access to the most robust payment options available - including everything necessary to accept the nearly one billions credit cards
now in the hands of American consumers. Our services provide access to all of the credit card associations, including Visa, MasterCard, American Express, Discover, JCB and Diner's Club.

Up to 40% of all card transactions are made with a debit card. By offering debit, your customers can still purchase goods and services without having cash or a checkbook handy, and can enjoy
the added convenience of getting cash back on purchases. The average debit purchase is approximately 17% higher than cash purchases!

How PIN-secured debit can impact your business:

Increase Profits: The average debit purchase is approximately 17% higher than cash purchases. Debit acceptance can also increase impulse purchases, since customers do not need cash, a check book or a credit card.

Lower Costs: Realize savings by paying a flat or variable capped transaction fee (depending on the debit network), unlike credit card rates and transaction fees.

Reduce Fraud: Requiring the entry of a customer's secret Personal Identification Number (PIN) helps reduce fraudulent card usage.

Improve Customer Flow-through: PIN-secured debit cards do not require businesses to record driver's license and phone numbers, which can speed up the checkout process.