Merchant Services | F&M Bank and Trust

Merchant Services


Merchant Card Services

We are here for your payment processing needs.

Card Processing

As a small business, the choice for card processing is an important one.  One thing you should keep in mind is finding a trusted resource that doesn’t want to sell you on anything for accurate advice. 
F&M Bank and Trust Company began offering card processing services when a number of our customers reached out to us requesting the services.  We offer card processing solutions for all merchant types:  retail, restaurant, mobile, ecommerce, seasonal, and more.  In today's world, accepting more payment types means more sales.

Rate Evaluations

Call Joel Booth for a quote today!  573-221-6425 x 310

Custom Solutions

We customize solutions for your business and couple that with exceptional customer service to provide fast, secure, and reliable transaction processing services.  Some of the programs we offer include: recurring billing, utilities, supermarket, petroleum, business to business, medical, lodging, and more!

Clover System

The Clover system is billed as the best-in-class POS tablet solution.  With options such as the Clover Station, Clover Mini, and Clover Mobile, the Clover system has everything you need to accept more payment types and improve efficiency.  We have exclusive pricing available on this one-of-a-kind system!


Looking to purchase a new credit card terminal or accessory products like external PIN pads and paper supplies?  We have access to all terminal manufacturers and models. Our team has the expertise to help you find the right system to fit the needs of your business operations.  We have options to support EMV/NFC payments, contactless payments like ApplePay, and terminal access through high-speed internet, wireless, and standard landlines.  

We can also support most existing terminals and POS equipment.  Ask us about it today!

Merchant Support

Each of our merchants is issued an individual merchant account with access to 24-hour technical support and robust online reporting tools.

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Contact Us

To become better acquainted with F&M Bank and Trust Company, call us toll free at 877-221-6424 or stop in. We're here to help!

505 Broadway
PO Box 938
Hannibal, MO 63401

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Routing number (281573013)


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