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Smart payment processing

Payment Processing Service with ARA

ARA, in association with a leading financial institution, offers a new member service with upfront pricing for accepting credit/debit and EBT transactions with no hidden fees or surprise surcharges.

Better payment experiences for you and customers

Based on ARA member feedback on their current cost of processing, ag retailers and suppliers can save up to 33 percent on the cost of credit card acceptance. As an ARA member, you will qualify for a $500 rebate as a statement credit* for taking advantage of this new member service.

To learn more on how your business can save on credit card processing through your ARA membership, fill out the brief form below and a dedicated client specialist will contact you within 24 hours.


Needs Assessment & Consulting

This offer includes a Needs Assessment with white-glove consulting that empowers you to better understand your daily financial operations and identify opportunities for you to grow your business more efficiently. 

Saving time with technology:

  • Integrated technologies that reduce cost of card acceptance and automates accounts receivable
  • Electronic invoicing reduces paper clutter, postage, and billing errors. Invoices will get paid more quickly if customers can pay electronically
  • Level II and Level III data is automatically sent with each transaction, reducing the overall interchange costs.

Reduce costs of card acceptance:

  • Reduce the cost of accepting credit cards by up to 30 percent*
  • Payment technology that reduces corporate card downgrades
  • Fraud mitigation tools reduce chargeback risk

Strategic recommendations:

  • Economic considerations
  • Solution recommendations based on individual need

Benefits to your customers:

  • Text to pay
  • Online billing portals
  • Electronic invoicing, automated recurring billing


    More Member Perks

    • Exclusive $500 statement credit* for signing up and activating with the partnering merchant servicer;
    • Competitive upfront pricing for credit and debit transactions;
    • No hidden fees or surprise surcharges;
    • Next-day funding available within 24 hours of settlement to an account with the partnering merchant**. Subject to applicable cut-off times;
    • Easy-to-use online reporting tools;
    • Custom payment tools allow you to send and manage invoices and accept payments by phone or at the office; and
    • Securely store cardholder information for future and recurring transactions.


    Q. Who is the partnering merchant services company?

    A. Our partnering merchant services company has a suite of products that provide affordable electronic payment solutions to all businesses.

    Q. What are electronic payments?

    A. The most common examples are credit and debit transactions. The merchant services provides hardware and software solutions to businesses that allow merchants to accept all major credit and debit cards, including contactless technologies from Apple® and Google™. It also offers the ability to process ACH, and EBT transactions.

    Q. I already already process these cards, what makes this service different?

    A. As an ARA member, your business can take advantage of wholesale pricing that is available through ARA's relationship with the merchant services provider. The competitive pricing, and best in class customer service will save your business money, and offer more value than the competition.

    Q. Are there any incentives in addition to the wholesale rates?

    A. Absolutely! Any merchant who becomes an active customer of this merchant servicing company will receive a $500 statement credit*.

    Q. How can I learn more?

    A. You may contact ARA's dedicated specialist Leslie Frisby at 208-364-8167 or email at Alternatively, you may fill out the brief form and someone will get back to you within 24 hours. 

    Q. Do I need to change banks?

    A. No. You are free to bank with the financial institution of your choice. The merchant servicer will deposit your funds into the account of your choice.

    Not an ARA Member? Join Today!

    Only ARA members get full access to the vast array of other member benefits designed to make your work easier. If you aren't already, join ARA as a member to unlock access.

    Click the button below to submit an online application or contact ARA's Donnie Taylor at or 202-595-1725. 


    *$500 offer is applied as a statement credit to your new Merchant Services account 60 days after account activation. Limit one $500 offer per new merchant relationship. Activation is defined as processing and settling $20.01 to your primary merchant DDA. Activation starts the day of the first KMS transaction. If no processing fees or conversion costs are incurred, credit will remain and be applied after initial fees or conversion costs are incurred. This offer is non-transferable and not valid with any other offers. The terms of this offer are subject to change or cancellation at any time, for any reason. Excludes Clover Web & Phone Payments & Clover Go.
    2Transaction rates do not include equipment costs, chargeback fees, Clover software or security fees, or other third-party charges. Custom pricing available; restrictions apply.
    3The ability to begin taking payments the same day as your application is dependent on credit and underwriting approval.
    Banking products and services are offered by KeyBank National Association. All merchant services, credit, loan and leasing products are subject to credit approval and terms of service. The Clover® name and logo are owned by Clover Network, Inc., a wholly owned subsidiary of First Data corporation, and are registered or used in the U.S. and many foreign countries. Fees and/or in-app purchases may apply to apps purchased through the Clover App Market. ApplePay® is a trademark of Apple Inc., registered in the U.S. and other countries. EMV® is a registered trademark or trademark of EMVCo LLC in the United States and other countries.

    Service At-A-Glance

    Learn more about ARA's newest member service by clicking on the at-a-glance document below and sharing it with your team.


    Not an ARA Member? Join Today!

    Only ARA members get full access to the vast array of other member benefits designed to make your work easier. If you aren't already, join ARA as a member to unlock access.

    Submit an online application or contact ARA's Donnie Taylor at or 202-595-1725.