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Drive Your Business Forward With Secure, Flexible Payment Solutions

  • PCI compliance to protect cardholder data
  • Multi-channel payment acceptance
  • Real-time transaction processing
  • 24/7/365 technical support
  • QuickBooks integration
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Get Up to $300 in Payment Processing Statement Credits

Open your new Midland States Bank payment processing account by June 30, 2025, and enjoy up to six months of $50 monthly checking statement credits—totaling up to $300. Experience flexible, secure payment solutions with no multi-year commitment required.*

pharmacist assisting customer with paying with their debit card

Online Payment Gateways

Secure portals for processing online transactions through websites and e-commerce platforms.

Electronic Check Processing

Reduce the risk of fraud, optimize check acceptance, convert paper checks into ACH transactions, and deposit directly in your bank account.

Point of Sale (POS) Systems

Integrated hardware and software solutions for processing payments in physical store-front locations.

Mobile Payment Solutions

Mobile card readers and payment apps for accepting payments via smartphones and tablets.

Electronic Benefits Transfer (EBT)

Boost sales and revenue by accepting payments from government-issued EBT cards, including Social Security, SNAP benefits, Women, Infants, and Children (WIC), and Temporary Assistance for Needy Families (TANF).

Gift Cards and Loyalty Programs

Drive traffic, gain new customers, increase sales, and build brand awareness – keeping more money in your store.

Get Matched With the Right Payment Solutions

Answer a few quick questions about your payment processing needs. Your insights will help us connect you with the best solutions to support your business.

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    Clover® Systems

    Clover Station

    Grow Your Business With Clover®

    Tap, Dip, Swipe
    Accept EMV® chip and signature, mag stripe, and contactless payments like Apple Pay® with optional NFC printer.

    Faster Than Ever
    8‑core, state‑of‑the‑art Qualcomm® Snapdragon processor and 4GB memory to run your apps and business faster.

    Safe and Secure
    End‑to‑end encryption and data tokenization to help protect your customers and business from fraud.

    Tools to Help You Grow
    Access sales trends, customer insights, and reporting features to better manage and grow your business.

    Plan for growth icon

    First Data Terminals

    First Data Terminal

    Modern Countertop Payment Solutions

    Designed for Speed
    Process payments quickly to keep lines moving and customers happy.

    Multiple Ways to Pay
    Accept chip cards, contactless payments, and mobile wallets with ease.

    Reliable Connectivity
    Supports dial-up, internet, or Wi-Fi connections to fit your business setup.

    Enhanced Security
    Encryption and compliance features help protect transactions from fraud.

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    Industries We Serve

    One size doesn’t fit all, which is why we design flexible payment solutions to meet the unique needs of every industry. Explore below to discover how we can power your success in yours.

    • Service Industry
    • Manufacturing
    • Restaurants
    • And more!

    Frequently Asked Questions

    What is a merchant account?

    A merchant account is a payment processing account that processes transactions for your business, from credit and debit cards to other electronic payment formats. To open a merchant account, contact our Merchant Services team today.

    Is a merchant account the same as a bank account?

    No, although a merchant account deposits money into a bank account, a merchant account is a third-party payment processing service.

    What's the difference between a payment gateway and a payment provider?

    A payment provider moves funds between customer and merchant accounts, while a payment gateway securely transmits payment data from a merchant’s website to the processor. 

    Flexible Payment Processing Solutions

    Boost customer satisfaction with fast and easy payment options.
    1. Transform the way you accept payments with just a click.
    2. Answer a few questions about your business.
    3. An experienced professional on our team will be in touch with you shortly.

    *Promotional offer is available with the establishment of a new payment processing account by new or existing Midland customers. Offer may not be combined with any other Merchant Services promotions or incentives. No multi-year commitment required. To qualify, you must:

    Open and be approved for a new Midland States Bank Merchant Account by June 30, 2025.

    New merchant account must be actively accepting and settling card payments by July 31, 2025.

    Deposit your merchant processing funds into an eligible Midland States Bank business checking account.

    Keep the approved account in an open status and be actively accepting and settling card payments at the time the statement credit is issued.

    Eligible customers will receive a $50 monthly DDA statement credit for up to six (6) months, totaling a maximum of $300. The promotional credit is based on total account fees and charges billed during the initial six (6) months following new account opening, excluding equipment, chargebacks, and adjustments for each respective month.

    For example, a new merchant account opened and approved on April 15, 2025, will begin qualifying for credits after successfully onboarding and settling card payments. The credit will appear on the next DDA statement. i.e. If the first payment was posted in May, the last credit would be posted in October. If the merchant account closes or if the merchant proceeds transition to another bank or account, the credits will terminate at that time.

    Midland States Bank reserves the right, in its sole discretion, to modify, suspend, or terminate the promotion at any time.

    Midland States Bank is a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA.

    Prefer Personal Assistance?

    Our team of dedicated professionals are here to support you.