Merchant Services

Merchant Services

The Harvard State Bank is proud to partner with TIB Merchant Services which features a complete turnkey offering for your business to process card payments efficiently and safely.  Our full line of fast and convenient payment processing services will provide a solution tailor-made for your business.  Our next business day funding will accelerate your cash flow and our competitive rates will help reduce your expenses.  Whether you need a traditional terminal, an e-Commerce solution, a fully functional Point-Of-Sale solution or the latest in mobile payment technology, we provide fast and secure payment acceptance methods designed to help grow your business.  We will provide a free cost analysis and assessment to determine which payment processing solution best suits your individual business needs.


  • Multiple Forms of Payments Acceptance
  • Loyalty and Business Analytic Solutions
  • Customizable Point of Sale, eCommerce and Mobile Acceptance Solutions
  • One Source of Funding for All Major Card Types, Including American Express
  • Multi-Layered Security and Compliance
  • Contactless Payments
  • EMV Compatible Solutions
  • Next Business Day Funding
  • Competitive Rates
  • Simplified Billing Statements
  • Technical Support, Available 24/7
  • Surcharging Solutions*

*Void where prohibited by state and local laws. Does not apply to check card, prepaid card, or debit card transactions


Our innovative POS systems and smart terminals are affordable and easy to use, and do more than just process sales and accept payments. They include time-saving features that help you analyze your  sales data and manage your inventory, staff and customers.

The best systems also include or have loyalty programs and other capabilities that make it easier to run and grow your business.

We offer customized merchant solutions designed to meet your business specific needs. Most importantly, our smart POS systems are easy to use. The intuitive design is user friendly and requires minimal training to get your staff up and running.

  • All in One
  • Easy to Use
  • Inventory Management
  • Smart POS
  • Loyalty Solutions
  • Time Clock/Employee Management
  • Bar Code Reader
  • Vendor Management
  • Cloud-Based Software
  • More Tools Available Through Market Place for Applications


Enhance your customers’ experience by enabling more payment acceptance methods within more channels. Streamline your operations with additional tools to increase efficiencies, save time, and reduce costs.

  • Bundle Processing: Process Multiple Transactions with One Click
  • PCI Compliant Hosted Payments Page
  • Online Invoice Presentment & Payment Links
  • Virtual Terminal & Hosted Payment Page
  • Fraud Monitoring Tools
  • Recurring Billing & SAFE Management
  • Process Payments in QuickBooks


Take your business with you and make sales virtually anywhere with Mobile Solutions – a full-featured and easy-to-use payment solution, which you can carry in your pocket. Our rugged readers are incredibly responsive, built for security and designed to work easily and flawlessly with your tablet and smartphone.

  • Retail, QSR, Restaurant
  • Contactless Payments
  • Multi-Merchant
  • Tips
  • Payment Links
  • Voids & Returns
  • Offline Mode
  • Online Reporting
  • Online Inventory
  • EMV Enabled
  • PCI Compliant

We look forward to assisting you with a payment processing solution that suits your individual business needs. To determine what is right for your business contact a banker today: