• Merchant Services

    A happy customer is a repeat customer. Keep your operations up and running like a well-oiled machine by offering the tools and benefits consumers have come to expect.

    Contact us to find out how we can create a solution that meets your needs.

    Login to Merchant Services

  • Credit Card Processing

    Offer your customers more payment options by accepting credit cards including Visa®, MasterCard®, Discover® Network, American Express®, Diners Club® and JCB®.

  • Debit Cards

    Personal Identification Number (PIN)-based and signature-based debit transactions are the fastest growing form of electronic payment. This method of payment is convenient for your customers and may offer faster checkout times and higher ticket averages, and may help you reduce fraud in your business.

  • Terminals

    Accepting cards is easy for you and your customer with our merchant card processing solutions. Whether you need a wireless solution or one integrated with your PC, we have the equipment to help your business.

  • Transaction Security

    The security of the Chargeback Defense System is one of the industry’s most accurate for processing chargeback investigations.

  • Gift Cards

    Build your brand and increase your sales with gift cards. Gift cards bring in new customers and gift card customers tend to spend more than just the value of the gift card.

  • Electronic Check Conversion

    Minimize returned checks by turning a paper check into an electronic purchase at the point of sale using TeleCheck Electronic Check Acceptance®. Electronic checks are deposited directly into your account within 48 hours.

  • eCommerce Solutions

    Whether it's a standard dial-up, high-speed IP or a wireless terminal, our software solutions make it easy for you to accept electronic payments over the Internet.

  • 24/7 Online Account Access

    Access key information on all of your payment streams through Business TrackSM, a single consolidated web tool that provides convenient, user friendly insight into your processing data, including credit, debit, prepaid/giftcard and check.

Certain products require credit approval; additional terms and conditions apply; fees may apply; First Niagara does not provide accounting, tax or legal advice.

Merchant Services Account provided through First Data (which is not affiliated with First Niagara Bank) and is subject to First Data underwriting and credit approval.

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