HomeTown Bank's comprehensive payment processing solutions give businesses the ability to accept all major credit cards, either at a terminal, online, via a mobile device or tablet, or over the phone.

With HomeTown Bank’s merchant services, you are not bound by complicated cost structures and rigid contracts, we offer monthly contracts and transparent, straight-forward reporting. And we are always a phone call or email away if you need us. Our knowledgeable merchant services professionals will provide the helpful service you rely on from HomeTown Bank.

We offer payment solutions in a variety of industries including:

  • B2B
  • E-commerce
  • Law Offices
  • Medical Practices
  • Non-Profits
  • Places of Worship
  • Restaurants
  • Retail Stores
  • Small Business
  • Travel and Hospitality

     Adam H. Midkiff is 
HomeTown Bank's Director of Merchant Services.
     Adam has vast experience in the payments industry and is ready to assist
     businesses with the ever-changing payment landscape.
     Email Adam


Every business is unique, but here are a few areas that we can help you navigate:

EMV – (Europay MasterCard Visa) cards frequently referred to as “Chip Cards” use an embedded microprocessor within the card to authenticate transactions. This method of acceptance is already being utilized by numerous businesses, and it will replace magnetic strips in the future because it provides added security against certain types of fraud. Equipment and software changes may be needed in order to accept these cards as there is an EMV Liability Shift deadline being imposed by the credit card brands in October 2015.

PCI-DSS – (Payment Card Industry Data Security Standard) is an information security standard for the credit card processing environment. To maintain compliance, businesses must complete a self-assessment questionnaire and a vulnerability scan.  The scan is designed to identify potential weaknesses within the businesses IT infrastructure that could compromise card holder data. Failure to maintain a secure payment environment could expose a customer to fraud and expose a business to loss in customer confidence, or even worse, legal action.

NFC – (Near Field Communications) is the next frontier in payment acceptance. NFC allows customers to make payments at the point of sale using mobile technology like Apple Pay.  NFC transactions are predicted to dominate the retail payment environment in the coming years.  This technology is becoming increasingly common on today’s mobile devices. Mobile wallet transactions are no longer a thing of the future.