SPECIAL OFFER:

Get an EMV®-capable terminal for one year at no charge1,2,3. A $420 savings3! 

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SPECIAL OFFER 1,2,3:

Get an EMV®-capable terminal for one year at no charge - a savings equal to $420 a year!

M&T Bank Cash Flow Solutions

Save time and enjoy faster access to your funds with M&T Bank. Talk to one of our professionals today.
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When you choose M&T, we work with you to help develop the best solutions to fit your business. Our experience and strength includes:

Stability

Having offered merchant processing since the 1970s, you can be sure that M&T's seasoned support staff will be here tomorrow and down the road.

Network

A network of over 650 conveniently located branches in Delaware, Maryland, New Jersey, New York, Pennsylvania, Virginia, Washington, D.C. and West Virginia

Local Teams

Local teams of experienced professionals dedicated to helping address the needs of your business.

What Our Customers Are Saying:

“I love business. I have a passion for business. And it’s great working with a bank that has a passion for what they do.”

– Bob Silverman
CEO of Bylada Foods

What Our Customers Are Saying:

"For me, it's the relationships and mutual respect that makes doing business such a pleasure."

- Danny Malamis
Jersey Mike's Franchise Owner

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- Ram Singla
Owner of Dunkin Donuts

Our Promise

M&T Bank helps safeguard your money with a variety of services designed to help protect you against fraud. Have peace of mind using your M&T Debit Card in person, on the web and over the phone knowing 
M&T Assurance
 can help prevent, detect and resolve card fraud.
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1 M&T Merchant Services are available subject to completion of a Merchant Services application and credit approval. Merchant Services are provided subject to the terms and conditions of M&T Bank’s Merchant Services Agreement. Availability of funds is subject to M&T Bank’s Funds Availability Policy. Additional terms and conditions apply and may be changed at any time without notice to you.

2 This offer applies only to merchants who do not currently have a merchant account with M&T Merchant Services, merchants who are not part of an association, merchants who did not collect from a like offer within the past 12 months, or merchants to whom other special consideration is paid or given related to transaction processing activities or support. The no charge offer is valid for one year on the VX520 Terminal (a $420 savings). After the one year of service, a monthly terminal rental fee of $35 will apply.

3 Card-swiped rate applies to swiped Visa®, MasterCard®, or Discover® network transactions (also sometimes referred to as card present transactions) and requires an M&T Bank card reader attached to your smart phone or tablet device.
Card-swiped transactions will be listed as “Qualified” on your Merchant Services Terms and Conditions as well as your monthly merchant statement. Exclusions to the swiped rate may include transactions swiped but not settled within
24-48 hours of authorization or those not traditionally associated with a card-present environment (i.e. government issued cards, T&E Cards and others as defined by Visa®, MasterCard®, or Discover®). Rate Program limited to $150,000 or less in annual card sales. Pass through interchange charges may occur. Keyed Rate will generally be charged on all manually keyed Visa, MasterCard, or Discover Network transactions that have verified addresses. Keyed transactions will be listed as “Non-Qualified” on your Merchant Services Terms and Conditions as well as your monthly merchant statement. Certain swiped transactions (not settled within time frames or some not traditionally associated with a card-present environment and others as defined by Visa®, MasterCard®, or Discover®) will be listed as “Non-Qualified”. Rate Program limited to $150,000 or less in annual card sales. Pass through interchange charges may occur.

M&T Merchant Services offer is only available to customers who currently have merchant services elsewhere and have not received a proposal from M&T in the last year or as a result of a previous meet or beat campaign.