To compete in today's highly competitive marketplace, you need to take full advantage of all your resources. With First Niagara's merchant processing, your business will have the ability to accept credit and debit cards efficiently and accurately. Your employees will spend less time on transactions and more time on important business matters.

With First Niagara Merchant Services payment card acceptance you can:

• Increase your revenue - card users spend more on average than cash and check carriers.
• Stimulate sales - over 90% of merchants realize a larger average ticket sale on cards versus cash.
• Improve financial efficiency - paperless transactions save time, reduce costs, accelerate payments and minimize efficiency.
• Boost profits - spend less on operating costs.
• Non-Electronic Card Acceptance Service
  Our basic service. It's convenient, quick and easy because the authorization and deposit is done right over the phone. No additional paperwork.
• Electronic Card Acceptance Service
  Our most popular and cost-effective service. The use of a terminal to obtain an authorization and capture the sale.
• Internet Card Acceptance
  Through specific gateways, you are able to process credit cards directly over the Internet at your website for a nominal fee.