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Payment Solutions

Products tailored to the unique needs of your business, industry and stage of growth.

MERCHANT SERVICES

Accept payments on your website or app

Merchant Services offer payment solutions that make it easy to start accepting a variety of payment types, get paid quickly and manage it all in an intuitive dashboard.D

  • Quick setup, flexible APIs
  • Boost cashflow with fast funding
  • Optimize your checkout experience
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merchant services
EMBEDDED PAYMENTS

Capture new revenue with embedded payments solutions

Help grow revenue while optimizing your client experience with payment solutions that give you comprehensive payment capabilities, tailored for diverse needs and business models.D

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Embedded money movement

Expand your platform services and monetize payments with embedded solutions, customized with payment rails, compliance controls, fraud protection and other services. 

Payment facilitation

Enable your business customers to accept payments within your platform, while you earn fee revenue from their transactions and control underwriting. 

INSTANT PAYMENTS

Help optimize cash flow with instant payments

Send and receive funds in seconds 24/7/365 using the Real-Time Payments (RTP®) network, and simplify reconciliation with detailed transaction data. 

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instant payments

Send payments

Increase flexibility with just-in-time payments for invoices, instantly pay staff and contractors, and offer real-time payments to negotiate better terms with suppliers.

Receive payments

Maximize interest earnings by collecting receivables faster and gain more control for cash management with instant payments solutions that are irrevocable.

ach services
ACH SERVICES

Cost-efficiently send & receive digital payments

Manage secure money movement via the ACH network to help you lower costs, improve cash flow and streamline payables. Fast processing including same day up to $1M. 

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PAYMENT PARTNER SOLUTIONS

Amplify payments efficiency as you scale

Partner solutions

Increase productivity and agility by extending payment and treasury capabilities with leading technologies - tailored to the specific needs of high-growth companies.

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amplify payments

Payments & treasury partners

modern treasury logo

Simplify payments and transfers with faster processing and automatic reconciliation for unlimited transactions.

plaid logo

Instantly authenticate bank accounts and automate secure tokenized payments from your linked account, and speed reconciliation with flexible tools.

Powering every stage of growth

From startup to IPO and beyond, our payment solutions are built to grow with your business, helping you meet evolving needs, maximize efficiency and drive revenue.

New Merchant Services program offerings are subject to underwriting, credit, and collateral approval. All information contained herein is for informational purposes only and no guarantee is expressed or implied. Terms and conditions apply.

Additional terms and conditions, including fees and costs, may apply. Ask your Relationship Manager or Solutions Advisor for details.

Mastercard is a registered trademark of Mastercard International Incorporated and is an independent third party and not affiliated with First Citizens Bank. The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC. EMVCo, LLC is an independent third party and not affiliated with First Citizens Bank.

All third-party trademarks referenced by First Citizens Bank remain the property of their respective owners. First Citizens Bank’s use of third-party trademarks does not indicate any relationship, sponsorship or endorsement between First Citizens Bank and the owners of these trademarks. All references by First Citizens Bank to third-party trademarks are to identify the corresponding third-party goods and services and intended to constitute nominative fair use under applicable trademark laws.

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