Other Business Services

Merchant Program

Capital Credit Union understands the cost of doing business, and strives to help keep your costs low, while offering innovative products to improve cash flow and increase sales. One way we help you is by working with strategic business partners who provide both value and high-quality service.

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NXGEN Payment Services is Capital Credit Union’s vendor of choice for Merchant Services. They offer fair credit card pricing, payment processing solutions, superior support during the application, installation and training process, as well as assistance whenever you need it, 24/7.

Solutions for Every Business
NXGEN has solutions for every type of transaction. Whether you take payments at your restaurant, retail store, over the phone, through a catalog, at conferences and shows, or on-line, NXGEN will make sure you’re maximizing your sales while minimizing your costs.

With today’s technology, you can “process from anywhere” with an Internet connection or a smartphone signal.

And every account comes with FREE on-line reporting to track and analyze your batch and deposit activity!

Credit / Debit Card Processing

  • Ability to accept all card types
  • Specially-negotiated rates
  • Competitive equipment cost
  • Many terminals only require reprogramming
  • Low one-time fees
  • Integrated software solutions
  • Detailed on-line reporting available 24/7
  • 24-hour U.S.-based Customer Service
  • One Point enables 24–48 hour funding for VISA/MasterCard, Discover & American Express on one integrated statement
  • Assistance with PCI compliance

Personalized Gift & Loyalty Cards
Now you can join the big national retailers in using electronic cards to grow your sales.

  • 57% of gift card recipients spend more than the value of the card.
  • 75% of consumers say they would like to receive a gift card as a gift.
  • 12% of gift cards are never redeemed.
  • Gift Cards outsell paper gift certificates 1000 to 1.

We provide every ingredient necessary for you to reach your sales potential:

  • Premium-quality card production
  • In-store displays & merchandising
  • Real-time transaction processing
  • Complete program activity reporting

And you can run several card programs with one system:

  • Gift Cards
  • Loyalty/Reward Cards
  • Prepaid Cash Carts
  • Promotional Cards
  • Merchandise Returns
  • Electronic Coupons

On-Site ATMs
On-site ATMs allow your customers to access all of their available cash from bankcards, credit cards, etc. Studies show that customers spend 20–25% of the cash withdrawn in your store!

Electronic Check Submission for Payment
For most retailers, check acceptance is a necessary, but expensive and cumbersome part of conducting business.

With Electronic Check Processing (ECS), you can continue to offer your customers the option of paying by check, while dramatically reducing the risk associated with checks. ECS turns paper checks into safe, efficient electronic transactions that are processed with the speed and ease of credit card transactions, and funds are typically available within 24-48 hours.

Small Business Payroll Services

Manage payroll online including calculating payroll taxes, keeping track of deadlines, making payroll tax payments and filings. The cost ranges from $9.95 to $49.95 per month.