Credit Card Processing Solutions

  • Competitive Rates and No Hidden Fees
  • Free Setup, Supplies, Chargebacks, Terminal Reprogramming
  • No Long-Term, “Handcuff” Contracts
  • Flat-Rate Option for Easiest Bookkeeping
  • No Monthly Minimums
  • EMV/Chip Card Compliant Terminals 

Check Processing

You can deposit consumer checks, plus verify and guarantee checks in process. 

Automatic Data Breach Protection

This coverage, which is provided at no charge with each merchant number, provides up to $100,000 of protection should the unthinkable happen. 

American Express®

American Express can be set up to run on our system just like Visa, MasterCard and Discover.
  • Simple merchant processing relationship management
  • Single point of contact
  • Faster payment
  • Same statement for reconciling 

Recurring Payments and Mobile Processing

  • Automatic customer billing for recurring charges
  • Upload batch files
  • Generate printed receipts or e-receipts
  • Set up multiple users with different levels of access
  • Process ACH transactions
  • Use your smartphone or tablet to process transactions 

Gift Cards

Personalized gift cards help your customers share their love for your store. They integrate with your website and Facebook page. Choose from three easy formats: digital, mobile and physical. Simple to set up and a great way to increase sales. And because they carry a balance, customers are more likely to return. 


As the largest state retail association in the U.S., MRA negotiates discounts to help your bottom line. You get free labor law posters (a $59 savings) and access
to the MRA discount shipping program. The average savings per active member was $575 in shipping costs. Enroll at


The Michigan Retailers Foundation gives you the ability to offer your employees and dependents a chance to defray tuition costs. The foundation provides 20 competitive scholarships each year to college-bound members, dependents and employees. Members can also endow a scholarship in their name. 

Personal Customer Service

You deserve the very best customer service. The local MRA Service Reps are knowledgeable, experienced and ready to serve you.

Real Solutions for Real Life

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Business Checking

Our commitment to delivering you a great banking experience starts with our checking solutions, and is backed with friendly service.

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Business Solutions

Helping improve your day-to-day operations by simplifying your banking. Now you can get back to what you do best - running your business.

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Business Insurance

You’ve worked hard to build your business - we’ll work hard to help protect it. Speak with one of our insurance professionals today.