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Merchant Services

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As a local business, you need a local partner for credit card processing in Oklahoma and Arkansas. Armstrong Bank has been a reliable financial partner to local businesses since 1909. Our mission is to achieve customer satisfaction in the communities we serve by offering a full menu of financial products and services, delivered with prompt, friendly, and professional service. 


Accept Credit & Debit Cards With TSYS®

Does your business accept credit and debit card payments? If the answer is no, why not? You could be missing out on potentially higher sales and revenue. If you do accept credit and debit card payments, are you paying too much for rates and fees? You could be saving money every month. We have teamed up with TSYS®, one of the nation's leading providers of payment processing services, to offer you innovative, money-saving payment processing solutions that will help your business grow and succeed.

Learn More About TSYS

Customized Payment Processing Solutions for Your Business

Whatever your business model — traditional POS retail, mobile, mail/telephone order, e-commerce or any combination — we can customize a payment processing program that includes everything you need.

Our services include:

  • Ability to accept all major credit and debit cards, plus ACH processing and check verification
  • Next-day funding available
  • Multiple authorization networks and transaction processing options
  • Quick and easy electronic application process
  • 24/7/365 U.S.-based merchant support
  • Comprehensive 24/7 online reporting
  • American Express®Card acceptance at the same rate as other payment cards*

Payment Processing Savings, Choice and Support

Our innovative product offerings include:

Transaction Express®

Complete online payment processing management system and payment gateway gives you complete control of your credit and signature debit card payment acceptance, wherever you are. Capabilities include:

  • Real-time transaction processing
  • Recurring billing with tokenization for both one-time and recurring (automatic and manual) payments
  • Direct swipe via USB with no additional software

 Find out more about Transaction Express.


User-friendly, internet-based reporting system helps you manage payment processing from any web-enabled PC. TransLink includes:

  • Comprehensive activity reports that provide access to all payment card transactions
  • User controls that allow merchants to create reports based on the information they need
  • Online response to chargebacks and retrievals



It’s the next evolution in payment processing — app-and-hardware solutions that let you accept payments wherever and however your customers want to pay. ProcessNow Mobile lets you take your business directly to your customers with mobile processing solutions for Apple® and AndroidTM mini-tablets and smartphones. ProcessNow Register replaces your clunky cash register-and-terminal POS system. Features for both solutions include:

  • Accept Visa®, MasterCard®, American Express, Discover®and PayPal™ at the point of sale
  • Print or email customer receipts
  • Enter inventory items quickly and easily
  • Manage tips and tax rates



Accept credit cards simply and affordably. TransFreedom combines a number of monthly charges into one single low monthly fee that’s less than the cost of the individual fees. It’s serious savings made simple:

  • No hidden fees – statements clearly explain all charges
  • Merchant’s choice of fee tier based on monthly processing volume
  • Cost flexibility allows merchants to grow and still maintain low fees


Data Breach Security Program

This program offers you financial protection in the event of a security breach, saving potentially hundreds of thousands of dollars in fines and related expenses – all for a low monthly fee. The program covers:

  • An industry-mandated audit for a suspected breach
  • Card replacement costs and related expenses
  • Industry assessments and fines


Chip cards are also known as EMV (short for Europay/MasterCard/Visa). They allow you to process credit and debit cards that use a microchip to store data.

  • PROTECT your business from financial liability
  • ACCEPT mobile wallets like Apple Pay®
  • SECURE data transfer through encryption
  • PROCESS non-chip cards, too
  • Your equipment may need to be upgraded in order to accept EMV cards.
  • Chip cards make duplication of card information much more difficult.

You’ve worked tirelessly to build your business.Why not enjoy state-of-the-art payment processing with Armstrong Bank, whom you trust? Ask your business development representative for more information about our payment-processing program with TSYS. 

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You also want to satisfy your customers with payment convenience. Let us equip your business to accept debit cards and all major credit cards. Payment processing makes it easier for everyone, including saving you time on check and cash deposits. To learn more about business credit card processing, visit any of our convenient locations in Bartlesville, Checotah, Dewey, Fort Gibson, Fort Smith, Gore, Muldrow, Muskogee, Pawnee, Sallisaw, Springdale, Stilwell, Tahlequah, Vian, Wagoner, and Warner.

* Merchants that process less than $1,000,000 in American Express annual charge volume may be program-eligible (certain restrictions and exclusions may apply). Transaction Express account required to use Process Now; regular monthly fee applies. All merchants subject to credit approval; some restrictions and exclusions apply.All offerings are subject to change or discontinuance at any time. Trademarks are the property of their respective owners and are not necessarily affiliated with TSYS. Apple and Apple Pay are registered trademarks of Apple Inc. Android is a trademark of Google Inc. EMV is a registered trademark or trademark of EMV C oLLC in the United States and other countries. TSYS® is a federally-registered U.S. service mark of Total System Services, Inc. TSYS Merchant Solutions is a registered ISO/MSP of Wells Fargo Bank, N.A., Walnut Creek, CA and Synovus Bank, Columbus, GA. Synovus Bank, Columbus, GA; and Deutsche Bank,New York, NY; for Visa® and MasterCard® transactions only.