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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Citizens National Bank

Tap2Local™

What is Tap2Local? 

Tap2Local™ allows business users to accept payments through tap-to-pay, payment links, and QR codes directly within our Mobile

Banking app.  This eliminates the need for additional hardware and making it incredibly convenient for businesses to manage sales

both in-store and on the go.  Tap2Local™ can process a wide range of card types, including prepaid, debit, and commercial credit

cards from major networks.  Additionally, the Tap2Local™ functionality is available on both Apple iOS and Android ecosystem.  

 

How does it work?  

Tap2Local™ uses mobile technology and card networks to facilitate payments for business.  It provides three different payment options that give business accountholders the flexibility that their business needs.  Payment Links and QR codes provide the ability to support a card not present experience for the payer.  
 
 
Costs
Please note that these fees are subject to change over time.
Fees for Tap2Local™ apply for both credit and debit card transactions.   
 
In-person completed card payment..................................2.60% + $0.15
 
Online completed card payment and invoicing........2.90% + $0.30
 
International card payment surcharge.............................1%
 
Card account update.....................................................................$0.25
 
Dispute fee.............................................................................................$15.00
 
Completed RTP transaction.......................................................$0.30
 
 
How to Get Started with Tap2Local™
Business accountholders will be able to enroll directly from their app dashboard.  The enrollment process is simple for the business owner, who will have to provide key business details, agree to the merchant agreement, and be verified for eligibility before they can begin to accept payments immediately.  As part of underwriting, the business logo is pulled directly from the businesses' website.  They also have the ability to manage their branding within the merchant account settings.  Note:  Only owners or controllers of the business may enter into a merchant services agreement with Moov.  The financial institution cannot enroll a business directly.    
 
 
Why users love Tap2Local™
  • No more dongles or card readers to charge or lose.
  • You can take tap-to-pay, send payment links, or show a QR code for your customers to scan.
  • Funds settle directly into your Citizens National Bank account by the next day.
  • You get the support of real people at your bank - no getting stranded with a chatbot.
  • It even integrates directly with top accounting software like QuickBooks.                                                                                                                                                                                                                                                                                                                                        

Common concerns and answers

Concern:  "I'm worried about the security of taking payments on my personal phone."

The great thing about Tap2Local™ is that it is backed by the same high-level security you already trust from Citizens National Bank, rather than a third-party app.   

Concern:  "Payment apps usually take days to send me my money."

We know cash flow is everything when you are running a local business or side gig.  Because this is built directly into your account here at Citizens National Bank, your funds will settle as early as the next business day.  You will not have to deal with a typical 3-to-5-day waiting period found with many other apps.

Concern:  "What happens if I need help?  With third-party apps, I can never get a real person on the phone."

Unlike impersonal, app-only fintechs that are known for leaving people stranded with a chatbot or a slow email form, Tap2Local™ is backed by the real people you already know here at Citizens National Bank.  If you have a question about a transaction, you can talk to us directly.


Tap2Local™Demo-Digital Product Demos