Farmers & Merchants offers a gift/loyalty card that replaces paper gift certificates and looks, feels, and acts just like a major credit card. Each card is cashier activated with a unique, electronically encoded account number stored on a magnetic stripe. Each time the cardholder makes a purchase, visits are tracked and the amount spent is deducted.

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Farmers & Merchants Gift Cards

A stored value program. This card replaces paper gift certificates. First, the customer pays the Merchant, who then loads the collected value onto a gift card through an approved Valutec™ terminal. The funds represented on the card stay in the Merchant's account. The cardholder can redeem the value on the card for goods and services at participating Merchant locations. The amount of the sale is deducted from the card and the balance remaining prints on the receipt. Cards can be reloaded at any time.

Farmers & Merchants Loyalty Cards

A point based program that allows Merchants to reward loyal customers! Customers accumulate points based on rules set by the Merchant, may it be a point for every cup of coffee purchased, a point per pound of cheese or something else. These points can then later be redeemed by the Customer for tangible rewards, again based on what rules the Merchant has established. This program provides merchants with the flexibility to tailor a Customer rewards program with the only limit being their creativity.

Let your customers know you appreciate their business through the Loyalty Program! Get new customers into your store with the Gift Card Program! 

These programs are entirely designed to increase your customer traffic and encourage your current customers to visit more frequently and spend more money. Rewarding your customers as they spend simply entices them to spend more! Every customer loves knowing that they are appreciated. Give a Farmers & Merchants representative a call today to find out how easy Gift Cards are and how exciting they will be for your customers! 


  • Builds customer loyalty. 
  • Increases store traffic. 
  • Eliminates costly backroom accounting. 
  • Standardized reports give all details and totals. 
  • Customizable features for reporting and operating. 
  • Card is activated at point of sale. 
  • Cards can be loaded (POS) for any value. 
  • All merchant reporting is available over a secure internet connection. 
  • Host servers validate authorized transactions and capture data. 
  • POS Printer produces a transaction receipt. 
  • Merchant obtains daily totals via POS system. 
  • 24/7 merchant help desk support. 

Perfect For:

  • Salons 
  • General Retail 
  • Kiosks 
  • Carry Out, Gas Stations 
  • Discount Outlets 
  • Department Stores 
  • Restaurants and Coffee Shops 
  • Grocery Stores 
  • Day Care 
  • Cinemas and Theaters 
  • Hotel/Motel/Lodging 
  • Boutiques 
  • Building Materials 
  • Auto Repair 
  • Medical Office or Clinic 


Specialty Cards Pick a Card, Any Card!!

Farmers & Merchants is able to help businesses set up to accept all types of payment from their customers. It is our distinct goal to ensure you maximize success by enabling your customers to pay you in any way they want. With a Farmers & Merchants merchant account, we can help you set up to accept the following forms of payment!

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  • MasterCard
  • Visa
  • Discover
  • American Express
  • JCB
  • Voyager and Fleet
  • Gift and Loyalty
  • Checks
  • Government Cards
  • Debit Cards, both online and offline (the following networks are supported)
  • Star (Explorer)
  • AFFN (Armed Forces Financial Network)
  • Maestro
  • Interlink
  • Pulse
  • NYCE
  • Cirrus

Farmers & Merchants is also proud to announce the ability for certain businesses to receive special pricing on accepting certain cards or even eliminating a discount rate all together. These business types can receive special interchange pricing:

  • Restaurants
  • Utility Companies
  • Government Agencies

These business types can eliminate a discount rate all together by passing on a Convenience Fee to the card holder.

  • Property Management
  • Charitable Segment
  • Education Segment
  • Child Care Segment

The following Government Segments are also included:

  • City Government
  • Utility Payments
  • Department of Motor Vehicles (DMV)
  • State and Local Taxes
  • Court Systems
  • United Postal Service
  • IRS

Give a Farmers & Merchants representative a call today to learn more about the payment types we can help you process or the new Convenience Fee program!

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