Most customers have at least one debit card or credit card and expect the option to use it when purchasing almost any product or service. Accepting these cards is a great way for any business to recruit new customers, increase sales and streamline cash flow.

Get next business day deposits into your BB&T business account
Increase sales volume and ticket size
Offer the convenience customers expect
Access transaction information and reporting online 24/7

Why BB&T

BB&T began offering debit card and credit card processing solutions nearly 40 years ago, with the inception of Visa^® and MasterCard^®. Today, we continue to provide processing programs to businesses of all types and sizes. Using the latest technology supported by superior client service, BB&T is able to build a program that will work for your business now and grow with your business in the future.

Debit card and credit card processing from BB&T helps optimize your business operations through:

Streamlined cash flow—next business day deposit of sales revenue into your BB&T business checking account.
Online account access—Merchant Connection puts your processing data at your fingertips when you need it.
Consolidated billing—monthly bill includes all merchant fees for the prior month.
Dedicated support—local client service center available 24x7.
Increased convenience—your payment program coordinates easily with your other BB&T financial services.

Processing Solutions

BB&T offers several debit card and credit card processing solutions. We've partnered with leading providers of payment terminals, software and web-based applications to bring you the latest in processing technology. Your Merchant Consultant will help you select the technology best suited to the needs of your business and your customers.

If you already have technology in place, BB&T generally can reprogram your existing equipment or provide services to support your current processing method.

Processing Technology

Terminal
A terminal is a hardware device used to process debit and credit card information. A variety of terminals are available for purchase or rental including dial, IP, wireless and contactless readers.
Software
Payment processing software allows you to process debit and credit cards using your computer. It can be installed on a single computer or on an entire network to provide greater access. BB&T offers software packages customized to specific industries.
Virtual Terminal
A virtual terminal is a web-based application that allows you to process payments using your computer without downloading software. This technology provides flexibility to merchants because they can process payments using any computer that has access to the Internet. BB&T offers a variety of application options.
Payment Gateway
A payment gateway is a web-based application that allows your customers to make payments on your website and you to process them online. Payment gateways are required in an e-commerce environment. This technology offers convenience for merchants and meets growing customer expectation. BB&T offers a variety of payment gateway options.

Solutions by Industry
BB&T offers customized solutions tailored for the following industries.

Retail
Restaurant (including fast food)
Lodging
Mail/Telephone Order
Internet/eCommerce
Government
Service
Business-to-Business

How It Works

A customer provides you with debit card or credit card information to make a purchase. You accept the card for payment. How do the funds for the sale get to your bank account? When you have a BB&T business account, sales revenue is deposited the next business day. See how below:

Card Processing Card_processing

Reporting

BB&T Merchant Services provides 24/7 online access to your debit card and credit card processing activity and reporting through Merchant Connection. By providing a variety of fully searchable, easy-to-use detailed reports, Merchant Connection puts your transaction information at your fingertips when you need it.

Easy Access