Sovereign Merchant Services (SMS) was created through an alliance between Sovereign Bank and First Data Corporation, a leading provider of merchant processing.

We provide high quality, merchant processing services for the most widely used electronic payment options.

Credit
By opening a SMS account, you can accept every major credit card at your point-of-sale (POS), including:

• MasterCard^®
• Visa^®
• American Express^®
• Discover^®
• Diners Club^®
• JCB^®

PIN-Secured Debit
We support both PIN-secured and signature-based debit transactions, which are low-cost and help you reduce fraud and increase the speed of transactions.

Checks
Turn a paper check into an electronic purchase right at the POS. It’s fast, secure and convenient for your institution and your customer.

Gift Cards
Our Gift Card program features simple-to-order standard and custom card designs.

POS Solutions
Whether it's a standard dial-up, high-speed IP or wireless terminal, we provide the most-advanced equipment available. Our software solutions make it easy for you to accept electronic payments over the Internet.

Online Reporting
Through our online reporting tool, you can access important account information and transaction history, as well as a number of reports.