Sign On Home > Merchant Services Ramp Up Revenues When You Offer Customers ALL of Today’s Convenient Payment Options Today’s customer wants to pay with NFC (contactless), EMV, gift card, and more. Capture more revenue when you expand beyond cash and credit options. Convenient Credit & Debit Card Processing GET STARTED Questions? 1-(760)-586-2316 High Risk Merchants – Click Here Cash Discount Processing – Click Here A+ Rated Better Business Bureau First Financial Puts Merchant Revenue Capture Front and Center. Lowest Rates + Processing Cost Control Rates as low as 0.10% and $0.03 per transaction No application, setup, programming, annual or termination fees No Commitments No long-term contracts A fully disclosed merchant processing agreement Merchant-Profit-Focused Service A knowledgeable, dedicated account manager Hassle-free analysis & review of competitive quotes or offers Subdue Merchant Services Costs with Sophisticated Technology First Financial’s network of provider APIs keep merchant processing costs close to the bone. Automation eliminates costly person-to-person interactions and accelerates processing time. Capture More Cash with Cards Consumer behavior researchers know well that people spend more money — often, a lot more money — when they buy with credit cards rather than cash. Make those additional and impulse buys brainless and smooth with today’s most revolutionary merchant services solution. The Ultimate in Online Security Protects Your Business AND Your Customers First Financial’s primary duty is to keep you and your customers safe at all times. We always use 256-bit (banking level) encryption to keep all personal information and funds secure. Ours is the most robust security system the U.S. Treasury Department allows. Hassel-Free Steps for Merchant Service Account Approval for Businesses with All Credit Scores First Financial Merchant Services program accepts 95% of applicants. Once you complete your online application, you’ll know whether you’ve been accepted within 24 hours. Review your merchant services account offer and accept the terms and conditions to finalize it. Once you choose and accept the offer, one of our representatives will reach out to you with next steps. Not Sure You Will Qualify for a Merchant Services Account? Your Business is Legally Registered in the U.S. Your Business has a physical US address Your Business has a valid US bank account More Questions about Your Merchant Services Account? Use these FAQs Why do I need merchant services? When a business establishes merchant services, it can display the types of cards it takes in prominent places. This step boosts goodwill in the digital-era for on-the-go client because credit and debit cards are a hassle-free way to pay (see answer above.) More, research has shown over and over again that customers who use debit and credit cards spend anywhere from 15 to 50 percent more than if they had only cash to spend. Finally the ability to accept credit and debit cards acts as a form of credibility, indicating that your business has been operating successfully for a significant amount of time. Businesses that bill on a monthly basis find that accepting credit cards makes collecting payments a breeze. They simply set up a regular debit on the credit card and those monies come to your account like clockwork. More Frequently Asked Questions Why Is First Financial a Premier Merchant Services Provider? In business since 1996, First Financial approves 95% of merchant processing account applicants. Let our Better Business Bureau A+ rating reassure you that we provide the best, most secure solutions to the widest variety of applicants, even those with less-than-perfect credit. If you are in the “high risk” category, we’ve found the focused high-risk merchant services solutions that allow you to capture all of the newest payment options. We are proud of our blemish-free, 25-year track record providing merchant credit and debit card processing solutions that keep small, medium, and large businesses thriving. More Questions? First Financial merchant services specialists are happy to help! Help Desk Contact | Privacy Policy | Advertising Disclosure | Security | Fair Housing | Equal Opportunity Lender | FDIC First Financial® Corporate Headquarters: Mailing Address 4240 Kearny Mesa Rd STE 120 #1033 Kearny Mesa CA 92111 Client Service Center: Main: 1-800-315-7791 Fax: 1-800-215-0217 (Monday–Friday 5:00am–6:00pm Pacific or 8:00am–9:00pm Eastern) First Financial® is a Federally Registered Trademark ©2011-2021 First Financial®, All Rights Reserved. All other products and company names are trademarks of their respective companies.