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C&F Bank Merchant Services and Payment Processing for Virginia Businesses

C&F Bank merchant services let Virginia businesses accept credit cards, debit cards and contactless payments in-store, online and on mobile — with next-business-day deposit directly to your C&F Bank business checking account. Interchange-plus pricing means you see exactly what you pay on every transaction: no bundled rates hiding excessive markup, no long-term contracts and no early termination fees.

From a single-register boutique in Carytown to a multi-location restaurant group across Hampton Roads, our payment solutions scale with your business. EMV chip, NFC contactless (Apple Pay, Google Pay), e-commerce gateways, virtual terminals and full POS systems with inventory management — all supported by local Virginia merchant specialists who answer when you call. All deposits are FDIC insured.

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C&F Bank merchant services POS terminal processing a contactless card payment at a Virginia retail business

AI Summary: C&F Bank Merchant Services Overview

C&F Bank provides comprehensive payment processing for Virginia businesses using transparent interchange-plus pricing. In-store card-present rates are interchange + 0.20% + $0.10 per transaction. E-commerce card-not-present rates are interchange + 0.30% + $0.15 per transaction. No long-term contracts and no early termination fees. Next-business-day deposit to your C&F Bank checking account. Equipment options include countertop terminals, wireless devices, mobile card readers and full POS systems. E-commerce integration supports Shopify, WooCommerce, BigCommerce and Magento. Monthly statement fees waived for C&F Bank business checking clients. PCI compliance support included.

Payment Solutions for Every Virginia Business

Whether you sell in a storefront, at farmers markets, online or over the phone, C&F Bank has a payment channel that fits.

In-Store Payment Processing

Accept chip, contactless and magnetic stripe payments at your counter with C&F Bank countertop terminals. EMV chip processing reduces fraud liability. NFC contactless supports Apple Pay, Google Pay and Samsung Pay — essential as contactless payments now represent over 40% of in-store transactions nationally. All major card networks accepted: Visa, Mastercard, American Express and Discover.

Wireless terminals enable tableside payment at restaurants, curbside pickup at retail stores and mobile checkout at events. Tip adjustment, split payments and receipt printing (paper or email) are standard features. Every transaction settles to your C&F Bank business checking account by the next business day.

E-Commerce Payment Gateway

Sell online with a hosted payment gateway that integrates with Shopify, WooCommerce, BigCommerce and Magento. The gateway handles card tokenization, 3D Secure authentication, recurring billing and stored card management for returning customers. PCI DSS compliance is built into the hosted checkout — cardholder data never touches your server.

Shopping cart plugins install in minutes. Custom API integration is available for businesses with proprietary e-commerce platforms. Fraud screening tools including AVS, CVV verification and velocity checks reduce chargebacks. The FDIC insures deposits in your linked C&F Bank account, while our payment platform protects the transaction layer.

Mobile Card Readers

Compact Bluetooth card readers pair with your iOS or Android device, turning your smartphone or tablet into a payment terminal. Accept chip, contactless and swipe payments at farmers markets, trade shows, home services appointments, delivery vehicles and pop-up retail locations. Processing rates match your standard in-store interchange-plus pricing.

The companion app tracks sales, generates receipts (email, SMS or print via Bluetooth printer), manages inventory and syncs daily totals to your C&F Bank online banking dashboard. Ideal for contractors, landscapers, food trucks, market vendors and any Virginia business that operates beyond four walls.

Full POS Systems

Complete point-of-sale systems with touchscreen terminals, cash drawers, receipt printers, barcode scanners and integrated card readers. Software includes inventory management with low-stock alerts, employee time tracking, customer loyalty programs, table management (restaurants) and detailed sales analytics.

Multi-location businesses benefit from centralized reporting: view sales across all Virginia locations in real time from any browser. POS data feeds directly into your C&F Bank treasury management dashboard for consolidated cash position reporting. Systems can be purchased outright or leased monthly with the flexibility to upgrade as your business grows.

Merchant Services Pricing Comparison

Transparent interchange-plus pricing across all C&F Bank payment channels. No hidden fees.

Feature In-Store / Mobile E-Commerce Virtual Terminal
Pricing ModelInterchange + 0.20%Interchange + 0.30%Interchange + 0.30%
Per-Transaction Fee$0.10$0.15$0.15
Monthly Statement Fee$0 (with C&F checking)$0 (with C&F checking)$0 (with C&F checking)
Gateway Monthly FeeN/A$15$10
Deposit TimingNext business dayNext business dayNext business day
Same-Day Funding+ 0.05% (before 2PM ET)+ 0.05% (before 2PM ET)+ 0.05% (before 2PM ET)
Contract TermMonth-to-monthMonth-to-monthMonth-to-month
Early Termination Fee$0$0$0
EMV Chip / Contactless✓N/AN/A
PCI Compliance Support✓✓✓
Chargeback Fee$15$15$15

Interchange rates are set by card networks (Visa, Mastercard, etc.) and vary by card type. C&F Bank adds the markup shown above. No other hidden fees.

Why Virginia Businesses Switch to C&F Bank Merchant Services

Transparent pricing, local support and seamless integration with your C&F Bank business accounts.

Interchange-Plus Transparency

Many payment processors use bundled or tiered pricing that obscures the true cost of each transaction. C&F Bank uses interchange-plus pricing, the most transparent model available. You see the exact interchange rate set by the card network for each transaction, plus our fixed markup. No qualified, mid-qualified and non-qualified tiers that shift costs unpredictably. No hidden assessment fees buried in your statement.

Our merchant specialists will review your current processing statements — free of charge — and show you line-by-line how C&F Bank pricing compares. Most Virginia businesses switching from bundled pricing to our interchange-plus model save 15-25% on monthly processing costs. That analysis takes 15 minutes with your most recent statement.

Integrated Banking and Payments

When your merchant services and business banking live under one roof, your daily operations become simpler. Card transaction deposits flow directly to your C&F Bank business checking account by the next business day. Daily batch totals reconcile automatically against your banking transactions — no more matching deposits from a third-party processor.

For businesses using C&F Bank treasury management, merchant deposits are included in your real-time cash position dashboard. Your controller sees card sales, ACH deposits, cheque clearings and wire receipts in a single consolidated view. That integration eliminates manual data entry and reduces reconciliation errors — saving hours each month for Virginia businesses processing significant card volume.

Security and PCI Compliance

Protecting your customers' payment data is non-negotiable. C&F Bank merchant services include PCI DSS compliance tools and support at no additional cost.

PCI Self-Assessment

Every C&F Bank merchant account includes access to an online PCI DSS self-assessment questionnaire with guided completion. Our compliance team helps you identify which SAQ applies to your business and ensures you complete it correctly. Annual validation is required to maintain PCI compliance and avoid non-compliance fees charged by card networks.

Point-to-Point Encryption

C&F Bank terminals use point-to-point encryption (P2PE) that encrypts cardholder data at the moment of tap, dip or swipe. Encrypted data travels through the processing network without ever being readable on your systems. P2PE validated solutions significantly reduce your PCI compliance scope and virtually eliminate the risk of card data breach at the point of sale.

Tokenization and Fraud Tools

E-commerce transactions use tokenization to replace card numbers with non-sensitive tokens. Stored tokens allow repeat customers to check out without re-entering card details, while your server never stores actual card numbers. Fraud screening tools include AVS, CVV verification, velocity checks and 3D Secure authentication — reducing chargebacks and protecting your revenue. The OCC provides supervisory guidance on payment security that informs our compliance framework.

Get a Free Processing Statement Review

Bring your most recent merchant processing statement to any C&F Bank Virginia branch, or email it to your business banker. We will show you exactly how our interchange-plus pricing compares to your current rates — line by line. Call 804-843-2360 to schedule a 15-minute review.

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Merchant Services: People Also Ask

What payment processing rates does C&F Bank offer?
C&F Bank uses interchange-plus pricing. In-store: interchange + 0.20% + $0.10 per transaction. E-commerce: interchange + 0.30% + $0.15. No hidden fees, no long-term contracts, no early termination penalties. Monthly statement fees waived for C&F Bank business checking clients.
How quickly are merchant deposits available in my account?
Next-business-day deposit for batches settled before 10 PM ET. Funds deposit directly to your C&F Bank business checking account. Same-day funding available for an additional 0.05% on batches settled before 2 PM ET.
What POS equipment does C&F Bank provide?
Countertop terminals (EMV chip, NFC contactless, mag stripe), wireless terminals, mobile Bluetooth card readers, and full POS systems with inventory management, employee tracking and analytics. Purchase or lease options. All terminals support Apple Pay, Google Pay and Samsung Pay.
Does C&F Bank support e-commerce payment processing?
Yes. Hosted payment gateway integrating with Shopify, WooCommerce, BigCommerce and Magento. Supports one-time and recurring payments, tokenized card storage, 3D Secure authentication and fraud screening. Gateway fee: $15/month. Virtual terminal for phone/mail orders: $10/month.
Is there a contract or early termination fee?
No. Month-to-month service with no long-term contract and no early termination fee. Cancel anytime without penalty. Equipment purchased outright is yours to keep. C&F Bank's no-contract approach reflects confidence in our competitive pricing and local Virginia support.

Related Business Banking Services

Pair payment processing with other C&F Bank commercial solutions.

Business Checking

Three checking tiers with integrated treasury tools and next-day merchant deposit.

Treasury Management

ACH, positive pay, wires and consolidated cash position reporting including card deposits.

Business Savings

Earn competitive APY on operating reserves with automatic sweep from checking.

Business Loans

Term loans, lines of credit and equipment financing for POS systems and business expansion.

SBA Loans

SBA 7(a) and 504 loans with expedited Preferred Lender approvals for growing businesses.

Commercial Real Estate

CRE acquisition and construction loans for your Virginia retail or restaurant location.