2025 Pub. 14 Issue 2

Offering modern business services like payment processing isn’t just about staying competitive; it’s about staying connected. so has the opportunity to deliver real value. Modern programs now include features like: • Cost-management options such as compliant surcharging. • Streamlined accounting through QuickBooks and other integrations. • Omni-channel flexibility to meet businesses where they are: online, in-person or on the go. • Industry-specific tools that support both B2B and government transactions. When delivered through the right partner, these services can generate consistent non-interest income for the bank without requiring additional internal resources. BEYOND REVENUE: STRENGTHENING COMMUNITY TIES Just as important as the financial upside is the reputational benefit. Merchant services, when thoughtfully deployed, allow banks to stay engaged with the businesses that fuel their local economies. A partner that shares this community-first mindset can help banks maintain their visibility and value, even as the financial services landscape continues to evolve. “Our work with community banks is about more than processing payments. It’s also about preserving their role as essential connectors in the places they serve,” says Gallagher. As community banks navigate a future marked by rapid change, the path forward will depend on adaptability and a continued focus on relationships. Offering modern business services like payment processing isn’t just about staying competitive; it’s about staying connected. With the right approach, these tools can help banks reinforce their role as trusted advisors, deepen local partnerships and support the long-term stability of the communities they serve. This article was submitted by Reliable Payments, a Richmond-based merchant services provider that partners with community banks to deliver secure, modern payment solutions for local businesses. To learn more, visit reliablepayments.com or contact info@reliablepayments.com. 23 The CommunityBanker

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