Merchant Services

Avidia Bank offers business customers a variety of cost-effective Merchant Services:

Having the ability to accept credit and debit cards as payment gives your business the following advantages:

  • Gives you the ability to increase your customer base to those who barely carry cash

  • Improves cash flow

  • Increases customer convenience

  • Improves reconciliation of transaction history through reports

  • Reduces your billing expenses

  • Timely collection of receivables

Our Merchant Card Services Program includes the following:

  • VISA®, MasterCard®, Discover® and American Express Acceptance®

  • Funding within 24-48 hours

  • Low cost equipment with an interest free monthly payment option

  • On-site installation and personalized staff training

  • Fraud management/risk prevention assistance and education

  • Up to $100,000 coverage with Breach Insurance

  • Competitive pricing

  • Processing through one of the top credit card processors in the United States

  • Optional Online Merchant Intelligence Center

Click on Card Processing Solutions

Avidia Bank understands the needs of large and small businesses in the retail, restaurant, mail-order, medical and educational industries. We will tailor a program to fit your business. We provide on-site training for you and your staff. You will also receive 24/7 support.

Processing a card for payment can be done through most mobile devices with our QwickPAY  solution or through online. We can help you process all major credit and debit cards. We only work with compliant authorization processors and equipment.

We offer a gift card solution to help increase your revenue.

See Internet Commerce Solutions  for more information. You may also call us toll free at (800) 508-2265 if you have questions, or to request a quote.

If you have an eCommerce site/shopping cart gives your customers the ability to pay you or shop on-line. gives you on-line credit card processing as well as a virtual terminal which allows your sales reps to process payments they receive by mail or telephone order. This browser based processing method would replace the standard credit card terminal. Quarterly data security scans are required.

Funds are deposited directly into your checking account.

See our Data Security Program for more information. You may also call us toll free at (800) 508-2265 if you have questions, or to request a quote.

Visa®, MasterCard®, Discover® and American Express® have implemented Data Security Standards (DSS) for the Payment Card Industry (PCI). Card processors and merchants who process, obtain, transmit and/or store cardholder data must comply with these standards. Necessary measures must be taken that ensure they have a secure website, network, card acceptance/processing system and customer information.

Compliance helps you safeguard critical business information and avoid potential security breaches, data compromises, penalties and fines.

Avidia Bank has partnered with SecurityMetrics to assist merchants with validating their compliance standing, and to fulfill the requirement of PCI DSS. SecurityMetric's site certification program provides full merchant compliance and automatic reporting to Merchant Services as well as Visa and MasterCard, when applicable. The full compliance program includes security testing of your Internet connections, software and/or hardware applications, and quarterly network system scans (if needed). You will also have the ability to complete the annual Self-Assessment Questionnaire on-line.

Enrollment for the program is easy and affordable. As an Avidia Bank merchant you will receive a discounted price for this program. Enrollment information will be given to you at the time of your new merchant account installation and personalized training.

 You may also call us toll free at (800) 508-2265 if you have questions, or to request a quote.

The Merchant Intelligence Center is an online management tool that provides you with your processing information 24 hours a day, through a secure password protected web-site. Once logged in you will be able to search and view authorizations, settled transactions, batches and merchant statements.

  • Up to 180 days of settled transactions
  • Up to 12 months of merchant statement history
  • Individual transactions via specific search criteria
  • Batch totals
  • Detailed transactions within a batch

Online Merchant Intelligence Center is easy to use and does not require software installation. For more information call our Merchant Services Department toll free at (800) 508-2265 if you have questions, or to request a quote.

Turn your iPhone ® or iPad® device into a secure mobile card processor to easily accept credit and debit card payments anytime, anywhere.

QwickPAY® is a complete mobile payment solution made especially for businesses that need a simple and secure solution to take signature debit and credit card transactions while on the go. Simply attach the easy to install secure card reader authenticator, download the app and you can start accepting credit cards including Visa®, MasterCard®, AMEX® and Discover® anytime, anywhere.


QwickPAY uses the most reliable and safest card swipe reader.

  • Reduce chargebacks with real-time counterfeit card detection.

  • Instant encryption so sensitive card details never enter your phone.

  • Lower the scope and costs of PCI audits, saving you time and money.


QwickPAY helps you grow your business, offer superior customer service and quickly access your funds. After all, it is your money, and you work hard for it.

  • Lower transaction rates by offering authentic, card present transactions.

  • No holds placed on funds.

  • Get paid fast. All funds are available within 2 business days.

 And More...

  • Support for retail and restaurant businesses.

  • Virtual terminal.

  • Create and email custom receipts.

  • Reporting and account management.

  • Tip and tax calculator.

  • On-screen signature capture.

QwickPAY can be used with most mobile devices, iPads & tablets.

A Merchant Account is Required to use QwickPAY.

To learn more contact our Merchant Services Department.  Cheryl Cain: (978) 567-3649 or

Cash and Coin

We also offer business customers cash and coin services. We do not charge for handling large cash and coin deposits. 

Night Depository

Avidia Bank offers night depository services for our business customers. Night deposits are credited the next business day. 

Safe Deposit Boxes

Safe deposit boxes are available at the following branch offices:

For more information call our Business Banking Services Department at (800) 397-2225.