Merchant Services for the Retail Industry

Shopping for merchant services tailored to your industry? M&T has merchant account tools and support solutions that can help improve your cash flow management and customer service.

Want to increase sales and keep more cash on hand?

You’ve come to the right place. Our retail-specific payment solutions make it easier to access your funds while improving customer experience.

Get customized payment solutions for your retail business.

At M&T, our Merchant Services Business Consultants will work one-on-one with you to develop a customized payment solution to fit your business and your budget, all backed by 24/7/365 support.

Choose the payment technology that works for you.

Whether you want to accept payments in your store, online or on the go with mobile payment processing solutions, we’ll help you find the right product. We’ll explain the advantages of various payment technologies, help you compare point of sale solutions, and set you up with an affordable lease or purchase plan.

Accept a variety of payment types

We'll show you how to affordably expand your payment acceptance options.

  • Credit and debit cards
  • Electronic Benefit Transfer (EBT)
  • EMV/chip cards
  • Gift cards
  • Mobile payments
  • Online payments
  • Recurring payments

Promote your business with branded gift cards.

Gift cards aren’t just for big box stores. Let us show you how to spread the word about your business with your own branded gift card program.

Help protect your customers’ card data and your business from fraud and identity theft.

We know it’s hard to keep up with the latest security threats, so we offer a range of products and services that can help, including:


We’ll make it all simple.

Just give us a call and let’s start designing your payment solution today.

Use of these features and services requires internet and/or data access through a mobile device. Subject to availability and the same limitations as any service available through the internet. M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and functionality. M&T Bank reserves the right to suspend service for any reason at any time. Your mobile carrier's text messaging and data charges may apply. View the M&T Digital Services Agreement for full details.
M&T Bank Merchant Services® are available subject to completion of a Merchant Services application and credit approval. Merchant Services are provided subject to the terms and conditions of M&T Bank's Merchant Services Agreement. Availability of funds is subject to M&T Bank's Funds Availability Policy. Additional terms and conditions apply.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.