First Horizon National Corporation’s Merchant Services deliver a comprehensive suite of payment processing solutions designed to help businesses of all sizes accept payments securely, efficiently, and competitively. Built around modern technology, flexible integration options, and a focus on customer experience, these services combine traditional point-of-sale support with advanced e-commerce and omnichannel capabilities. Whether you are an independent retailer, a restaurant, a professional services provider, or a growing enterprise, First Horizon Merchant Services aim to simplify payment acceptance, lower operational friction, and provide actionable insight into sales performance.

Core Features

• Point-of-Sale (POS) Solutions: Robust POS systems that support EMV chip, contactless (NFC), and magstripe transactions, tailored to retail, food service, and service environments.
• E-commerce and Virtual Terminals: Secure online payment gateways, hosted checkout options, and virtual terminal access for keyed transactions and remote invoicing.
• Mobile Payments: Accept payments on the go with mobile card readers and app-based processing for sales teams, pop-up shops, and delivery services.
• Integrated Payments: APIs, SDKs, and pre-built connectors enable seamless integration with back-office systems, ERP, accounting software, and shopping carts.
• Recurring Billing & Subscriptions: Tools to manage subscription plans, automated invoicing, and customer billing cycles with support for tokenization and secure card-on-file storage.
• Gift & Loyalty Programs: Customizable gift card solutions and loyalty programs that drive repeat business and enhance customer retention.
• Advanced Reporting & Analytics: Real-time dashboards, detailed transaction reports, and sales analytics to inform decision making and reconciliation.

Security and Compliance

Security is central to First Horizon’s Merchant Services. All payment processing follows industry-standard protections, including end-to-end encryption for cardholder data, EMV compliance for chip card transactions, tokenization for stored credentials, and support for PCI DSS requirements. Fraud mitigation tools and machine-learning-driven monitoring reduce exposure to unauthorized activity and chargebacks, while multi-factor authentication and rigorous access controls protect administrative interfaces. These measures help merchants meet regulatory expectations and safeguard both customer data and business reputation.

Integration and Technology

Designed for flexibility, First Horizon’s Merchant Services support a wide range of technical integrations. Developers can access robust APIs and SDKs to embed payment functionality into native apps and web environments. Pre-built integrations streamline connections with leading e-commerce platforms, accounting packages, and inventory systems, minimizing the need for manual reconciliation. Cloud-based architecture ensures scalability and reliability, while modular features let businesses add or remove capabilities as needs evolve. For merchants requiring on-premises systems, hybrid deployments are available to balance performance with connectivity considerations.

Pricing and Billing Models

First Horizon offers transparent pricing frameworks to align with different merchant profiles. Options include interchange-plus, tiered pricing, and flat-rate plans, allowing businesses to select the structure that best matches transaction volumes and average ticket sizes. Billing statements are designed for clarity, with consolidated summaries and line-item details to make cost analysis straightforward. Additional services such as chargeback management, gateway fees, or hardware rental are disclosed clearly to minimize surprises and help merchants forecast expenses.

Reporting, Reconciliation, and Insights

Comprehensive reporting capabilities turn transaction data into actionable insights. Merchants can access daily settlement reports, real-time sales monitoring, and customized analytics that highlight trends by store, product, or payment method. Reconciliation tools simplify matching payments to deposits and reduce accounting overhead. Advanced reporting can also surface indicators like peak sales periods, card-not-present ratios, and loyalty program performance, empowering business owners to optimize staffing, inventory, and promotions.

Support and Onboarding

Seamless onboarding and responsive support are integral to First Horizon’s Merchant Services. Dedicated account managers and implementation teams assist with setup, hardware provisioning, and software configuration. Training resources and documentation help staff quickly become proficient with terminals and systems. Ongoing technical support and a merchant care center are available to resolve issues, handle disputes, and provide guidance on fraud prevention and regulatory compliance. For larger clients, customized service level agreements and escalation processes ensure consistent uptime and prioritized response.

Use Cases and Business Benefits

First Horizon’s Merchant Services support a wide range of use cases: multi-location retailers can centralize payments and reporting; restaurants can streamline table-side payments and tip management; service providers can automate recurring billing; and online merchants can scale checkout experiences. Key benefits include improved cash flow through fast settlement, reduced friction at the point of sale, enhanced customer experience via modern payment options, and better business intelligence from consolidated data. The result is an adaptable payments environment that helps merchants grow revenue while controlling costs.

Why Choose First Horizon Merchant Services

Choosing First Horizon means partnering with a payments provider backed by a full-service financial institution. The combination of reliable infrastructure, consultative implementation, and a focus on security and compliance makes these Merchant Services a compelling choice for businesses seeking an end-to-end payments solution. With flexible pricing, extensive integration options, and proactive support, merchants can accept payments confidently across channels and focus on running and expanding their business.