Business Payments

Three Simple Ways for Your Small Business to Get Paid

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Getting paid should be the easy part of running your business. First State Bank & Trust gives your small business three ways to accept payments — all tied to your business checking account, so your money lands right where it belongs. Whether you want to tap a card on your phone, send a professional invoice, or run a full point-of-sale system, there's an option that fits how you do business.

Tap2Local

Accept Card Payments Right From Your Phone

Tap2Local lets your business accept card payments three ways: tap a customer's card or digital wallet (Apple Pay / Google Wallet) to your phone, send a secure payment link, or display a QR code. It's built right into 1View Digital Banking with no startup costs, no monthly subscription, and no hardware to buy. Add your logo, see a real-time ledger of every transaction, process full or partial refunds, and reconcile with accounting tools like QuickBooks and Xero. Funds can settle to your checking account as soon as the next business day.

Accepts: Visa, Mastercard, American Express, Discover, and international cards.

Best for: Fast, on-the-go card payments and everyday acceptance — without buying equipment or signing up for a monthly plan.

Get Started

Tap payments require iPhone XS or newer (iOS 16.7+) or Android 11+ with NFC. Tap2Local can run alongside another payment provider you already use.

AutoBooks

Online Invoicing and Payment Acceptance

AutoBooks brings online invoicing, payment acceptance, and simple bookkeeping together inside 1View Digital Banking. Create and send professional invoices in minutes, set up recurring billing and estimates, apply discounts or sales tax, add attachments, and turn on payment reminders and late fees. You'll always know who opened your invoice, who paid, and who's past due. You can also create payment links, QR codes, and checkout pages — useful for selling products, collecting donations, or registering people for events. Payments deposit directly into your business checking account.

Best for: Professional invoicing, recurring billing, nonprofit events and collections, and moderate payment volumes.

Get started: Log into 1View Digital Banking, go to the Accept Payment tile on your dashboard, and choose Send Invoice or Accept Payment to enroll.

To meet federal tax-reporting rules, customers earning more than $600 a year through AutoBooks receive a 1099 form at year-end.

Merchant Services

Point-of-Sale and Online Payment Processing

When your business needs point-of-sale systems, card readers, or an online payment gateway, FSBT Merchant Services, backed by our trusted partner BANCCARD, provides the hardware, software, and support to accept payments however your customers want to pay. You'll get a face-to-face consultation, on-site installation, simple month-to-month plans, online reporting, and 24/7 support.

Solutions: Point-of-sale systems, virtual terminals and gateways, software integrations, and specialty cards.

Best for: Retail, restaurants, healthcare, and any business that needs dedicated hardware or higher-volume processing.

Contact Your Banker

Compare Your Options

Find the right fit for how your business gets paid

Service	Best for	How payments arrive	Where to start
Tap2Local	Fast, on-the-go card payments — no hardware or monthly fee	As soon as the next business day to your checking account	Enroll via 1View Digital Banking
AutoBooks	Professional invoicing, recurring billing, and nonprofit collections	Deposited directly into your business checking account	Enroll inside 1View Digital Banking
Merchant Services	Point-of-sale systems and higher-volume in-person + online sales	Through your merchant account setup	Contact your banker

Not Sure Which Option Fits?

Talk to a banker — we'll help you find the right way to get paid.

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