Pacific Enterprise Bank
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Merchant Processing

Pacific Enterprise Bank offers state of the art Merchant Processing through third party services. This service allows businesses to realize the importance of low-cost, reliable Merchant Bankcard Services that process your Point of Sale (POS) and credit card purchases.

Advantages Include:

  • Point of Sale (POS) Purchases:  

Customers may use their bank ATM cards for purchases, providing a valuable convenience to customers and gives you the assurance of guaranteed funds.

  • Credit Card Purchases:

Credit card purchases are an important source of business that allow faster settlement and deposit of funds to your account. This enables the flexibility your business needs to meet your financial commitments. By accepting more cards, you allow your customers more payment options. If you offer both POS and credit card payments, you increase sales opportunities and reduce potential loss from returned bank checks.

  • Global Card Acceptance Capability:

This network accepts MasterCard®, VISA®, Discover Card®, American Express®, Diners Club/Carte Blanc®, and other private label/proprietary cards.  

  • Competitive Pricing:

We are committed to providing you with quality service at competitive pricing. To accomplish this, we carefully control and minimize loss by serving low-risk merchants. You benefit from our reduced losses because we can pass on our services to you at a lowered cost.

  • Support after the Sale:

We have several programs that aim to meet your business needs. We will help you choose a program that provides quality service at a low price. With one call, you can connect with our customer support team who will assist you with training and support, as well as replace any equipment needing repair within 24 hours.  

  • Enhance your business image:  

Your customers benefit from this service by spending less time paying for services, thus allowing you to increase customer service efforts to build loyalty to you and your business.

  • Level 1,2 and 3 Processing:  

Credit card processing is sorted into three categories—Level 1, Level 2 and Level 3 (Level I, Level II and Level III). The benefit of Level 2 and 3 processing is the opportunity to significantly reduce the cost of accepting payments. When you acquire a new merchant account, you’ll be placed into one of these 3 levels. Your credit card processing interchange rates are dependent on which level your merchant account has been assigned. Each level is determined by the amount of information (data) collected for each transaction.


Forms and Other Documents

For Inquiries:
Paulette Silva 

Phone: (949) 623-7602

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