Merchant Card Services

Card processing solutions for your customers and your business

If you currently accept credit cards for payment at your business or if you have ever thought of doing so, Heritage Oaks Bank is here to provide you with a cost effective solution for all your credit card processing needs1. We can offer you card processing solutions customized for your business. We have authorization, settlement and deposit services available for every industry segment, from small retailers to large nationwide corporations. Research shows that you can increase your sales by providing your customers more ways to pay - why not start today? Ask us today for a complimentary rate analysis!


  • Credit, Debit, Check and Gift Card Processing for all major credit card types including VISA®, Mastercard®, AmericanExpress®, Diners Club®, Discover Card/NOVUS®, Corporate, Business, Purchasing Card, and Reward Cards2.
  • Equipment Options - Receive reasonably priced state of the art PCI Compliant equipment or have Heritage Oaks Bank re-program your existing equipment 95% of the time.
  • Internet Processing - Process your transactions over the Internet in a secure environment. Ask us for information on the Internet solution that best meets the needs of your business.
  • Smart Phone Processing - Accept credit card payments using your mobile device through ROAMpay. ROAMpay is compatible with over 300 types of phones across all major carriers. Ask us for details.
  • Competitive Pricing
    • No set-up, monthly minimum, reprogramming or annual fees
    • No hidden costs and no surprises
    • No back billing or long-term contracts
  • Seasonal accounts open for 1-2 activities per year are welcome.
  • Easy to read monthly statements available online or by mail.
  • Funding within 1-2 business days3.

We have processing products for all types of businesses including:

  • Retail - A quick, efficient way to accept payment for purchases.
  • Medical - Allows up to four doctors to process transactions using the same terminal.
  • Restaurant - Tip editing, server reports, bar tab and customized receipts.
  • Hotel/Lodging - Check in/check out features, folio numbers, customized receipts.

How do I apply for Merchant Services?

  1. Complete the preliminary application. We recommend you complete the Merchant Services Processing Application with a Heritage Oaks Banker.
  2. Deliver the application to any of our local branches.
Download Application


To find out if Merchant Services is right for your business or to receive a complimentary cost comparison, contact your local Branch Manager or Customer Service Manager at 805.369.5200.

  • 1 Heritage Oaks Bank partners with TIB -The Independent Banker's Bank ( for merchant services processing.
  • 2 Rates for American Express®, Diner's Club®, Discover Card®/NOVUS®, Corporate, Business, Purchasing Card and Reward Cards may vary.
  • 3 If your batch is closed by 4:00 p.m. PST, your funds will be available the next business day.