Merchant Services

Payment solutions made simple.

As your business evolves, so will your banking needs.

Merchant Services¹ from Dime enables you to accept debit and credit card payments both in-store and online. Our competitive pricing and next-day funding can help simplify your operations without hindering your profitability.

Experience the benefits of Merchant Services.

With the complete suite of Merchant Services you’ll have access to:

A woman handing her bank card to a worker.

Customer Vault

Saving your customer’s credit card details is a great way to speed up return visits. However, storing this sensitive information can expose you to increased liability if not handled properly. Dime’s Customer Vault allows you to store payment methods without accessing the full credit card number, reducing security concerns while keeping customer information easily accessible.

  • Encrypts all sensitive payment information in the gateway
  • Level 1 PCI Compliant (the highest PCI DSS Level) since 2004
  • Access through a secure online interface
  • Easily add new customer profiles and view all transactions in a single place
  • Store both credit card and electronic check payment details
  • Integration with iProcess
A woman looking at her phone smiling.

Electronic Invoicing

A simple, secure, and convenient way to bill your customers. Electronic invoicing enables merchants to invoice customers via brandable email and allows customers to make payments by following an embedded link. Electronic Invoicing allows you to invoice your customers via brandable emails which gives customers the ability to make payments by following a secure, embedded link.

  • Reduce the time it takes to get paid and manage paperwork
  • Eliminates the need to store sensitive information
  • Accepts multiple, full, and partial payments
  • Enhanced reporting system maintains complete and secure records
  • Supports multiple currencies
A person taking a payment on their phone.

iProcess

Take your storefront with you wherever you go with iProcess, a simple and easy to use mobile app that allows you to take payments from anywhere using your personal iOS or Android phone. You can run a transaction, add tips, or even issue a refund using the app. And with full Customer Vault integration, you’ll be able to save new credit cards, or pull up previously saved information right from your own mobile device.

  • Encrypted swipe hardware for enhanced security
  • iOS and Android compatibility
  • Full integration with Customer Vault
  • Send email or text receipts to customers
  • Perform full or partial refunds
  • Display full transaction history
  • Captures digital signatures and custom tips if necessary
  • Free to download with no additional per-transaction fees*

Open a Merchant Account Today

Smart solutions¹ for your business.

ACH Origination Services

Move money conveniently, securely and efficiently.

You need the right tools to run your business and manage your cash flow as securely and efficiently as possible. Dime Community Bank works with you to provide Automated Clearing House (ACH) services. Allowing you to process your credit and debit transactions without the cost and time related to paper checks. Do you issue or receive a high volume of checks, make payments, or process payroll? If so, Dime has the right ACH solution for your business.

Dime Community Bank is a business partner committed to your success. Our relationship managers will help customize our ACH services to meet your company’s needs.

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Lockbox Services

Improve operational efficiency and profitability.

Does your business process a large number of receivables and payments by mail? Dime Community Bank has the right cash management solution for you. With our Lockbox Services, we’ll eliminate in-house processing costs, improve funds availability, and simplify your record keeping and reporting. Your customers simply send their payments to an address featuring your company name and lockbox number. We’ll deposit the check and provide correspondence, remittance documents and deposit summaries to your business each day.

Our relationship managers will work with you to structure the right lockbox solution to meet your needs.

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Positive Pay

Protect your business from check fraud.

Managing payment processing and check reconciliation can be daunting for any business, especially at high volumes. Dime’s Check Positive Pay solution helps protect your business by mitigating check fraud. It also provides greater operational efficiency through automated check reconciliation. We’ll match each check processed and presented for payment against a list of checks issued by your business each day. If exceptions are found, we’ll report them to your business for review, and you can make the final “go/no go” decision. We also provide ACH Positive Pay services.

The relationship managers at Dime Community Bank will help set up Positive Pay to protect your business for the future.

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Remote Deposit Capture

Save time and money when depositing checks.

As a business owner, you don’t have time to run to the bank every day to deposit checks. Dime Community Bank’s Remote Deposit Capture saves you time. It allows you to scan and deposit checks whenever you want, right from the convenience of your own office. We’ll set you up with a Remote Deposit Capture (RDC) portable check scanner and software. Allowing you to scan your checks, review the images, and transmit them through a secure website to us for processing.

If exceptions are found, we’ll report them to your business for review. You can make the final “go/no go” decision.

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Merchant Services

Provide your customers with convenience and flexibility.

As your business needs evolve, you need banking and payment solutions that will evolve with you. Merchant Services from Dime, provides point-of-sale payment services for your customers with debit and credit cards without stagnating your business’s profitability. Our Merchant Services program is a more affordable and effective solution to large merchant services providers. With Dime, you’ll receive 24/7 local support – not some 800 number and a long wait time

Dime Community Bank is committed to helping your business succeed. Our relationship managers will help you build the right Merchant Services solution for your business.

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Online Banking & Bill Pay

Manage your finances your way.

When you’re running a business, you barely have time to sleep, let alone stop by the bank. Dime’s Online Banking and Bill Pay takes the hassle out of business banking. Enabling you to maximize your time while managing your bank accounts and bill payments when it’s most convenient. With Dime’s Commercial Center Online Banking, you can easily access balances and transaction histories. It also allows you to transfer funds securely between Dime accounts, pay bills and approve ACH and wire transactions.

Dime Community Bank relationship managers are here to help. They’ll get you set up with the right online banking and bill pay solution for your business.

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Business Mobile Banking

Manage your accounts on the go.

Dime’s Business Mobile Banking² app enables you to manage and monitor your accounts securely, check your balances and transaction histories, transfer funds securely between Dime accounts, pay bills, and approve ACH and wire transactions—all from your smartphone. You can even deposit checks anywhere, anytime with Mobile Check Deposit.

Dime is a leading business bank in New York. As such, we can help you run a more efficient business by putting your accounts in the palm of your hand.

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Zero Balance Accounts

Concentrates all funds into one central operating account.

Zero Balance Account’s (ZBA) help companies that maintain general operating accounts, separate payroll accounts, petty cash, and other purposes. All of the company’s funds are concentrated into one operating account. Disbursements are made from subsidiary accounts, which always maintain a zero balance. This system allows for increased account control and reduces administrative expenses.

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Download Merchant Services Brochure

You can download a brochure version (PDF) of this page and its subpages by clicking the button below.

* Usage fees may apply.

¹ All products subject to Dime approval.

² Must have Dime Online Banking to use Dime Mobile Banking. Dime Mobile Banking App is available for select mobile devices. Mobile Banking is a free service from Dime. However, your mobile carrier may charge for data and text message usage.