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Merchant Services

Get affordable, secure payment processing for your business.


Gone are the days when consumers and businesses only used credit cards for big ticket investments like appliances, electronics, and travel. Today, folks use credit to pay for just about everything, including inexpensive purchases like coffee and fast food. When your business offers a variety of convenient payment options, you’re one step closer to a sale.

First Northern Bank and Trust can help your company get set up to accept Visa®, Mastercard®, Discover®, American Express®, PayPal®, Diners Club International®, and JCB® payments.

  • Explore solutions for small businesses and large corporations.
  • Save money with competitive transaction fees.
  • Accept one-time and recurring payments.
  • Choose from wireless and countertop terminals, or request no-cost reprogramming of your existing equipment (available on most machines).
  • Process mobile and online payments.
  • Accurately and cost-effectively track transactions.
  • Reduce losses due to check fraud.
  • Security breach coverage
  • TYSYS from Gateway complies with Payment Card Industry (PCI) security standards


Call 1-800-344-2274 to set up a Merchant Account or discuss your organization’s specific needs.

We’d be happy to help you compare plans, review equipment options, and find the solution that will work best for you.


Services are provided by an unaffiliated third party vendor. First Northern Bank and Trust receives a fee from the vendor for this service. Visa is a registered trademark of Visa International Service Association. Mastercard is a registered trademark of Mastercard International Incorporated. Discover is a registered trademark of Discover Financial Services and its affiliates. American Express is a registered trademark of American Express Marketing & Development Corp. PayPal is a registered trademark of PayPal, Inc. Diners Club International is a registered trademark of Diners Club International Ltd. JCB is a registered trademark of JCB Co., Ltd.