Merchant Services

The Right Merchant Partner

Finding a payment processing solution tailored to the needs of your business and the needs of your customers is critical. Secure and reliable technology, timely processing, cost effectiveness, and customer service are all important factors in choosing the right Merchant Services provider.  

To better serve your needs, BNC National Bank has partnered with Cielo. Together; we provide industry-leading solutions, along with an unparalleled level of service and commitment to your business.


Who is Cielo?

Cielo is an Internet-based, electronic payments company that provides unrivaled payment processing services, including the Cielo Payment Gateway thatís easy on a merchantís IT resources and the browser-based Cielo Virtual Terminal that never requires a merchant to update payment software.  All solutions use the Cielo direct-to-Visa connection for authorization, are PCI-compliant, and come with extensive business management tools available through the web.  Cielo is an independent, privately owned company.


How large is Cielo?

Cielo currently processes more than $15 billion dollars in payments for more than 76,000 merchants throughout the United States. According to the Nilson Report's 2009 consolidated list of Top U.S. Bank Card Acquirers, Cielo ranks as the 21st largest processor of credit and debit card transactions.


Card Acceptance Programs

With BNC National Bank, in partnership with Cielo, merchants can offer a wide range of card-based options to their customers.  Accepting card-based programs can help to enhance your businessís cash flow and help reduce the staff and time burden of billing and collection.  

We offer a wide selection of industry-leading payment processing solutions to help merchants increase revenue and enhance their bottom line.

  • Accept most major credit cards including Visa, Mastercard, Discover, Diners, JCB and American Express.
  • Offer comprehensive point-of-sale debit card processing solutions
  • Mail order / telephone order processing
  • Touchtone telephone services
  • e-Commerce and web-based processing via the Cielo Virtual Terminal or Cielo Payment Gateway, including support for recurring and installment payments
  • Include gift and loyalty card acceptance in your payment processing services


The Advantage of processing with BNC National Bank and Cielo

  • Experienced and dedicated sales and support staff
  • Merchant consultation to ensure the proper solution for your business
  • Timely service via a 24x7x365 Cielo Help Desk
  • Multiple POS processing methods including advanced technology solutions
  • Fast application submission and approval
  • 48-hour merchant settlement
  • Automated chargeback / retrieval processing system with a 24-hour turnaround.
  • Comprehensive, online access to merchant transaction information, settled batches, transaction look-up, merchant statements, chargebacks and more.

No matter what the size and requirements of your business are, we will customize a program to suit your unique needs.

Want more information? It's Easy!

Apply online, visit a local branch, fill out a contact us form and a banking representative will contact you, or call us at 1-800-BNC-BANK (1-800-262-2265).

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How Can We Help You?

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