PAYMENT PROCESSING SOLUTIONS

Payment processing is a service that enables businesses to accept customer payments through credit cards, debit cards and digital wallets. It involves point-of-sale (POS) equipment or an online payment gateway that securely transfers payment information between the customer, the business and the bank. This solution benefits a wide range of businesses, from retail stores and restaurants to e-commerce platforms and service providers, by streamlining transactions and improving customer convenience. Learn More.

A payment terminal is a device used specifically to accept and process credit and debit card payments. It reads the card information and securely communicates with the bank to authorize the transaction.

A point-of-sale (POS) system, on the other hand, is a more comprehensive solution. While it includes payment processing, it also helps you manage your entire business with features for tracking sales, managing inventory and storing customer data. Think of the payment terminal as one component of a complete POS system.

Banc of California offers the most flexible, efficient POS solutions to our clients. Our Relationship Managers can help you choose the right solution for your needs and support your growth with options that scale as your business expands. Learn More.

Your Banc of California client account is funded the same day we receive funds from the card networks. This allows you to access your money quickly, often within 24 hours of settling your daily transactions.

Banc of California is a principal member of the major payment networks, giving us a direct connection for processing your transactions. This relationship allows us to bypass intermediaries and fund your account faster, often as soon as we receive the daily settlement from the networks.

You benefit from our investment in modern payment technology, ensuring you always have access to current, industry-leading solutions. As a regulated bank, we are held to the highest standards for ethical conduct, financial stability and data security, so you can be confident that your business and your customers are protected.