Our merchant bank card service provides retailers with the means to accept and benefit from credit card sales from most major credit card issuers, including VISA®, MasterCard® and DISCOVER®. We provide drafts, imprinters, card and purchase authorizations, decals and cardholder application forms. For information on how to take advantage of this important program, contact a Personal Banking Counselor at any of Home State Bank’s convenient locations.

Credit Card Acceptance
Today, more and more Americans are using payment cards for a variety of reasons. Payment cards offer consumers the convenience of not having to carry as much cash or write cumbersome checks. And they facilitate personal financial management by providing the flexibility to defer payments as well as an overview of spending captured in regular monthly statements.

Accepting credit cards is crucial to succeed in today's competitive economy. Home State Bank, in conjunction with Capture Point, will provide your business with superior products and services to make the most out of your payment system. As the electronic payment industry continues to evolve, Home State Bank, in conjunction with Capture Point, will be there to provide innovate state-of-the-art solutions, regardless of merchant type.

Advantages of Credit Card Acceptance Convenience
Consumers prefer to shop with a credit card; in turn they typically spend more when shopping. Visa and MasterCard place advertising their services as a high priority. They convince customers to use credit cards with incentives and promotions, and then provide you with materials letting customers know you accept cards as payment.

Effectiveness: By accepting credit cards, you immediately reduce the amount of cash that you have to keep on hand, while reducing the exposure to bad checks. Accepting credit cards offers increased customer service through increased buying convenience, bringing you more traffic and higher transaction averages. In addition, merchants who accept credit cards experience increased incremental sales and impulse buying as a result.

Authorization: Using a point-of-sale terminal easily authorizes the transaction; you merely swipe the cardholder's credit card.

Reduced Fraud: When using a point-of-sale terminal, you reduce the fraud associated with certain transactions. You now have the ability to identify a valid credit card before you provide goods or services.

Please contact a Capture Point Representative at 888-989-6364 to obtain the products and services that meet your business needs or fill out this on-line form.