Merchant Card Services

Payment Processing Solutions End-to-End Solutions from Citizens State Bank & Elavon

Logo for Elavon merchant servicesYour business is unique, and so are its challenges. In today’s competitive marketplace, you must balance good customer service with efficient cash management and risk control. You’re in good company with Citizens State Bank and Elavon; we support small business merchants just like you nationwide.

So no matter your business – retail, restaurant, health care, service, mail order, e-commerce – we have the solutions you need to optimize your payment processing.

Logos for Visa, Master Card, American Express and Discover cards

Credit & Debit Cards

Elavon’s end-to-end processing network is one-of-a- kind in the industry. Our payment processing solutions help you improve cash flow, minimize your collections risk, and better serve your customers, all while meeting stringent security standards to protect cardholder data.

Elavon provides authorization, settlement, funding, and support, giving you one point of contact for all your Visa®, MasterCard® and Discover® Network credit and debit card transactions. In addition, we process the following over our network:

  • PIN debit
  • Electronic Benefits Transfer (EBT)
  • Corporate purchasing cards
  • Fleet cards

Value Added Services

Electronic Check Service
With Elavon, accepting checks has never been so convenient and cost-effective. ECS converts all paper checks – consumer and business – into safe, efficient electronic transactions that are processed with the speed and ease of credit card transactions. Gone are manual check reconciliations, time-consuming trips to the bank, and the hassles of check collections.

Electronic Gift & Pre-paid Cards
Electronic gift cards increase revenue and attract new customers. They also reduce the fraud and labor associated with paper gift certificates. Our program allows you to select the card design and processing features tailored to your business needs.

Dynamic Currency Conversion (DCC)
DCC converts international Visa and MasterCard credit card purchases into the cardholder’s home currency at the point of sale and rebates a portion of the conversion fee to your business. We manage the entire conversion process – from direct treasury exchange rates and transaction processing, to back-end reconciliation, settlement, funding, and support.

Point-of-Sale Solutions

Payment Terminals
Stay in compliance with the latest cardholder security standards with Elavon’s broad range of dial, Internet enabled and wireless terminals and peripherals.

Software & Internet Products
Turn any PC with an Internet connection into a powerful processing solution for face-to-face and card-not-present transactions with a choice of secure hosted and distributed software solutions.

Reporting Tools
Monitor your account around the clock from any Web browser through This convenient online site allows you to display recent deposits, view chargebacks and retrieval requests, access customer support, and much more.

Automated Customer Service (ACS)
ACS is an advanced reporting and account reconciliation tool. With ACS, you can view detailed reports from across multiple locations, including transaction activity, statement detail, and card type history – all through this desktop application. Data can even be integrated with your accounting systems.


Risk Management & Fraud Control
Elavon has built-in fraud monitoring and control features to protect your business and your customers’ card data. A robust set of risk management and fraud prevention tools are provided.

Customer Service & Voice Authorization
Customer support is there whenever you need it. A dedicated and well-trained staff of service professionals operates a 24/7-call center for voice authorization and client assistance.

Already accepting credit cards?
Let us give your Merchant Account a thorough check up! We’ll review your current account to see if we can save you money. You have nothing to lose but higher charges!


Regional Sales Executive
for Citizens State Bank
Elavon, Inc
Direct: 832-875-6765