Competitive Rates on Merchant Services

Available only through Microsoft Retail Management System, this card payment solution is designed to provide small, independent merchants with significantly lower card processing costs. Simply compare rates and fees with what you're currently paying to see how much you can save with Citibank Merchant Services.

Rates are also available for American Express. Additional fees may apply per your service agreement. Subject to credit approval.

No Hidden Fees

Microsoft and Citibank Merchant Services have designed a program that is simple and contains no hidden costs. When you sign up for this service with Citibank Merchant Services, there are no fees for application, conversion, enrollment, setup, or cancellation. All that is required is credit approval.

Streamlined Operations

By integrating card transaction processing into business operations, you'll help reduce data reentry at the point of sale and facilitate easier reporting and reconciliation of transactions at the end of the month.

Reduced Operating and Labor Costs

Eliminate the need for separate point-of-sale terminals (i.e. card payment terminals) and associated phone lines—the Citibank Merchant Services solution helps simplify associates' jobs and reduce operating costs, while freeing up valuable counter space in your store.

Increased Customer Satisfaction

Fast and reliable, the Citibank Merchant Services solution helps you process transactions for a wide range of cards. You'll be able to offer customers the efficient, consistent service that keeps them coming back.

The Citibank Merchant Services solution accepts most cards carried by your customers, including:

• MasterCard
• Visa
• Diners Club/Carte Blanche
• American Express
• Discover Card
• Corporate purchasing and PIN debit cards

New with Microsoft Retail Management System Version 1.2: Integrated PIN Debit Cards

With Microsoft Retail Management System version 1.2, Citibank Merchant Services now offers integrated processing for PIN-based debit cards for the NYCE, STAR, and Interlink debit networks. There is a per transaction fee of $0.20, a substantial savings on debit transactions. Merchants must have certified PIN pad hardware with their Microsoft Retail Management System solution to utilize this feature (online debit is PIN based versus offline debit which is signature based). Citibank Merchant Services debit card processing is highly secure with nationwide availability, so you'll be able to accept cards from almost any customer. Usage of PIN-based debit cards among consumers has grown considerably over the past few years, and there is very little fraud or risk to the retailer, so its a win-win for everyone.

Simplified, Integrated Card Processing

Available only through Microsoft Retail Management System, this card payment solution is designed to provide small, independent merchants with significantly lower card processing costs.