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Smart payment processing

Payment Processing Service with ARA & KeyBank

Are you paying too much for card processing? See how KeyBank can help.

ARA members who have switched have saved an average of 20 percent* on credit card processing fees.

To learn more and see if your business can save on credit card processing with ARA and KeyBank, click here to log in to the ARA Member section of the website. (Email for log in support.)

For your business to be eligible to save on credit card processing with ARA, you must be an ARA member. Not a member? Join ARA today

More than just savings...

Better payment experience for you and customers

Needs Assessment & Consulting

ARA members can take advantage of a white glove Needs Assessment 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 be 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 percent2
  • Payment technology that reduces corporate card downgrades
  • Fraud mitigation tools reduce chargeback risk
  • ARA exclusive $500 statement credit1

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

1 $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 KeyBank Merchant Services 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 nontransferable 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. 2 Actual savings will vary based on average transaction size, transaction volume, and types of cards accepted. Banking products and services are provided by KeyBank National Association. All credit, loans, lines of credit and merchant services are subject to credit approval, terms of service and any applicable collateral requirements. is a federally registered service mark of KeyCorp. is a federally registered service mark of KeyCorp. ©2022 KeyCorp. All rights reserved. KeyBank is Member FDIC. 220531-1594779

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.

Watch Webinar

View a webinar recording to learn how you can reduce credit card acceptance costs and potentially increase your margins.


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.