Merchant Services for Michigan Businesses
Expand your payment options with Merchant Services from People Driven Credit Union. Accept credit cards, debit cards, mobile wallets, and online payments, all with the reliability and ease that lets you focus on what matters: growing your business.
Connect to learn more about merchant services and payment processing for Michigan businesses
Accept payments where you do business
Give customers convenient ways to pay whether they are standing at your counter, shopping online, receiving an invoice, or meeting you at a job site.
PDCU Merchant Services can support:
- In-store card payments with countertop and wireless terminals
- Chip, swipe, tap, and digital wallet payments
- Mobile and on-site payments using a phone reader
- Online payments through hosted payment pages and e-commerce integrations
- Emailed invoices customers can pay by card
- Recurring billing for memberships, retainers, subscriptions, and other repeat payments
Our Business Services team can help you choose the payment tools that fit how and where your business accepts payments.
Merchant Services built around your business
Your payment setup should match the way your business sells. PDCU Merchant Services can support businesses that accept payments at a counter, online, at a job site, by invoice, or through recurring billing.
Available Merchant Services features include:
- Flexible payment options: Accept credit cards, debit cards, tap-to-pay, digital wallets, online payments, and recurring payments.
- Transparent interchange-plus pricing: Pay one clear markup over processing cost, with no bundled pricing tiers or monthly minimums.
- Next-business-day funding: Merchant Services batches settle into your People Driven Credit Union account the next business day.
- PCI compliance support: Get help with annual PCI validation and tools designed to help protect card data.
- Chargeback assistance: Receive support when payment disputes or chargebacks occur.
- Local support: Work with PDCU Business Services to review your payment setup, pricing, equipment, and processing needs.
Whether your business is just starting to accept card payments or reviewing an existing processor, our Business Services team can help you compare options and build a setup that fits your needs.
Who should consider Merchant Services?
PDCU Merchant Services may be a good fit for businesses that want to give customers more convenient ways to pay while keeping payment processing easier to manage.
Consider Merchant Services if your business:
- Accepts credit or debit card payments in person
- Wants to offer tap-to-pay or digital wallet options
- Takes payments at job sites, deliveries, events, or other locations
- Sells products or services online
- Sends invoices that customers need to pay electronically
- Collects recurring payments for memberships, subscriptions, retainers, or other ongoing services
- Wants to review current payment processing costs and pricing
- Needs support with PCI compliance or chargebacks
Not sure which payment setup fits your business? PDCU Business Services can review how you currently accept payments and help you explore the available options.
Merchant Services for different types of businesses
Every business accepts payments a little differently. PDCU Merchant Services can support a range of businesses with payment options for in-person, mobile, online, invoice, and recurring transactions.
Retail businesses
Accept chip, swipe, tap, and digital wallet payments with countertop or wireless terminals.
Restaurants and food businesses
Give customers convenient card and contactless payment options at the counter, tableside, or at mobile locations.
Contractors and service businesses
Take payments at job sites, customer locations, deliveries, or events with mobile payment options.
Professional services
Send invoices customers can pay by card and offer convenient electronic payment options for ongoing services.
Online businesses
Accept online payments through hosted payment pages and e-commerce integrations.
Membership and subscription businesses
Securely store cards on file and schedule recurring payments for memberships, subscriptions, retainers, and other repeat billing.
Not sure which setup fits your business? PDCU Business Services can help you review how you accept payments and choose the tools that match your needs.
What to consider when choosing payment processing
The right payment processor should fit the way your business accepts payments today and give you room to grow. When comparing Merchant Services options, look beyond the headline rate and consider the full payment experience.
- Pricing: Understand how processing costs are structured. PDCU Merchant Services uses transparent interchange-plus pricing with one clear markup over cost and no monthly minimum.
- Funding speed: Consider how quickly processed payments reach your business account. PDCU Merchant Services provides next-business-day funding into your People Driven Credit Union account.
- Payment options: Make sure your setup supports the ways your customers want to pay, including card, tap, digital wallet, mobile, online, invoice, and recurring payments.
- Equipment and integrations: Choose terminals, mobile readers, payment gateways, and e-commerce tools that fit where and how your business sells.
- Security and PCI compliance: Look for tools and support that help protect payment information and make annual PCI validation easier.
- Chargeback support: Make sure help is available when a customer disputes a transaction.
- Service and support: Consider who you will call when you need help. PDCU Merchant Services includes local support and assistance with setup and staff training.
PDCU Business Services can also review a recent processing statement and provide a side-by-side comparison so you can better understand what you are currently paying.
Secure payment processing
Protecting payment information matters for both your business and your customers. PDCU Merchant Services includes tools and support designed to help you process payments securely and manage common payment security requirements.
- PCI compliance support: Get guidance with annual PCI validation to help your business meet payment card security requirements.
- Tokenized card data: Sensitive card information can be protected through tokenization, reducing the need to store card details directly.
- Chargeback assistance: Receive support when a customer disputes a transaction or a chargeback occurs.
- Secure payment options: Accept in-store, mobile, online, invoice, and recurring payments through supported payment tools and integrations.
PDCU Business Services can help you understand the security features available with your Merchant Services setup and what your business needs to do to stay compliant.
How to get started with Merchant Services
Getting started begins with a review of how your business accepts payments today.
- Share a recent processing statement: PDCU Business Services can review your current processing costs line by line and compare them with available Merchant Services pricing.
- Choose the right setup: We can help identify the terminals, mobile readers, payment gateway, online tools, and integrations that fit your business.
- Set up and train your team: Your payment tools are configured for your business, and staff training is provided so your team knows how to use them.
- Start accepting payments: Once your setup is complete, transactions can settle into your People Driven Credit Union account the next business day.
Ready to see how your current processing compares? Send us a recent processing statement and request a side-by-side rate review with no obligation.
Not a People Driven Credit Union member yet?
People Driven Credit Union membership is available to individuals who live, work, worship, or attend school in the State of Michigan, as well as relatives of current members.
A Membership Share Savings Account is required to establish membership. A $5 deposit secures your ownership share in the credit union and gives you access to PDCU products and services, including Business Services.
Once your membership and business account are established, our Business Services team can help you explore Merchant Services options for accepting payments.
Frequently asked questions
PDCU Merchant Services can support chip, swipe, tap, and digital wallet payments, along with mobile, online, invoice, and recurring payments.
Yes. Merchant Services can support hosted payment pages, e-commerce integrations, and emailed invoices that customers can pay by card.
Yes. Mobile payment options allow businesses to accept payments at job sites, deliveries, trade shows, events, and other locations.
Yes. Merchant Services can securely store cards on file and schedule recurring billing for memberships, subscriptions, retainers, and other repeat payments.
Interchange-plus pricing separates the underlying card-processing cost from the processor markup. PDCU Merchant Services uses one clear markup over cost rather than bundled pricing tiers.
No. PDCU Merchant Services does not have a monthly minimum.
Merchant Services batches settle into your People Driven Credit Union account the next business day.
Yes. Merchant Services includes guided annual PCI validation and tokenized card-data support to help businesses manage payment security requirements.
Yes. Merchant Services includes support when payment disputes or chargebacks occur.
Yes. PDCU Business Services can review a recent processing statement line by line and provide a side-by-side comparison with no obligation.
Yes. Merchant Services setup includes configuration of applicable terminals, payment gateways, and integrations, along with training for your team.
Contact the People Driven Credit Union Business Services team or request a rate review. Our team can review your current payment setup and help identify the Merchant Services options that fit your business.
Disclosures
Your business deposits at People Driven Credit Union are federally insured by the National Credit Union Administration (NCUA). The NCUA is an independent U.S. government agency that provides deposit insurance backed by the full faith and credit of the United States government. Business accounts are insured up to $250,000 per legal entity. That means if anything were to happen to the credit union, your funds are protected up to that limit at no cost to you.
This coverage is automatic the moment you open an account. No application required. For businesses with larger deposit needs, a PDCU team member can walk you through how account ownership categories may allow for additional coverage across multiple account types. Fraud prevention tools protect your day-to-day transactions. NCUA insurance protects what is behind them.
Related topics
Business Checking
Manage everyday business finances with debit card access, digital banking tools, branch cash deposits, and additional PDCU Business Services.
ACH Origination
Send payroll, vendor payments, taxes, transfers, and other business payments electronically.
Payroll Services
Simplify payroll processing, employee payments, tax filing, reporting, and timekeeping with payroll solutions available through PDCU Business Services.
Fraud Prevention
Help protect your business from check and ACH fraud with tools such as Positive Pay, exception review, alerts, and payment controls.
Remote Deposit Capture
Deposit eligible business checks from your office or on the go using a desktop scanner or mobile device.
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