Business Banking

Credit Card Processing

To better support our business clients, Lake City Bank has partnered with BASYS Processing. Together, we’re proud to offer credit card processing services that are convenient, safe and affordable.


  • A dedicated account manager for all customer service inquiries
  • Comprehensive PCI Compliance support
  • Online reporting capabilities
  • Acceptance of all major card brands
  • Competitive rates

Our processing solutions can help every type of operation accept credit and debit payments, from local businesses to retail e-commerce sites and everything in between. Contact us today, and we’ll help you find the best processing options for you.

Already a credit card processing customer and need more terminal paper? Click below to order it for pick up at your local Lake City Bank branch.

Order Supplies

Processing Options

Virtual Terminals
Point of Sale
Mobile Processing
Software Integration


We equip our comprehensive payment terminals with the latest EMV chip card technology and PIN-pad compatibility. Connect them to the internet via ethernet, dial-up or Wi-Fi. You can schedule auto-settlement to ensure your terminal batches out each evening and you receive funding quickly. Next-day funding is available for most businesses.

Virtual Terminals

BASYS Processing’s proprietary virtual terminal is the ideal fit for B2B organizations that accept mail and telephone orders or need recurring billing capabilities. Process credit and debit cards on any device with an internet connection and qualify for the lowest possible rates on card-not-present transactions. Level II and Level III rates could save your business thousands. Setup is easy and you don’t need any new devices!

Point of Sale (POS)

Choose the Clover® POS solution for integrated business tools and an intuitive end-user experience. This system’s integrated apps and add-ons allow it to scale with your business and give you ultimate flexibility.

Mobile Processing

Accept credit and debit card payments wherever your business takes you! With our user-friendly mobile solutions, accepting payments is as easy as plugging in the chip reader. Mobile processing is a great solution for food trucks, HVAC services and other businesses that need to accept payments on the go.


Collect payments anytime, anywhere, by allowing your customers to pay online. BASYS and Lake City Bank can implement a secure online shopping cart or integrate with an existing one.

Software Integration

Process credit and debit card payments securely without leaving your existing Point of Sale (POS) or Enterprise Resource Planning (ERP) system. Lake City Bank and BASYS can integrate with almost any system currently on the market.


Another option is using Autobooks on our Lake City Bank Digital platform. Send invoices or accept payments for your small business with Autobooks. In addition, you can track outstanding payments, and set up recurring payments. Other robust features such as job estimating, tracking products, running revenue reports are accessible when you upgrade to a subscription model. Learn More

Let’s Get Started

Fill out the inquiry form or contact one of our experts below.

Sheena White

Sheena L. White

Vice President and Merchant & Cardholder Services Manager
(574) 371-9202

Sheena White serves as Vice President, Merchant and Cardholder Services Manager. She started her career in financial services when she joined Lake City Bank in 1997.

She manages both the Merchant and Cardholder Service departments focusing on the sales cycle as well as providing service and enhancing existing relationships. She is experienced in merchant and cardholder processing software integration and customizable solutions for businesses.

Michelle Harris

Assistant Vice President and Merchant Services Support Officer
(844) 979-7164

Michelle Harris serves as Assistant Vice President, Merchant Services Support Officer. She started her career in financial services when she joined Lake City Bank in 1995.

She oversees the merchant account onboarding experience and provides the bank’s clients with continued processing support. She is proficient in assisting clients through validating their Payment Card Industry (PCI) Data Security Standards compliance.

Tiffany Peterson

Tiffany R. Mudd

Assistant Vice President and Merchant and Cardholder Services Officer
(574) 376-7169

Tiffany Mudd serves as Assistant Vice President, Merchant and Cardholder Services Officer. She started her career in financial services when she joined Lake City Bank in 2011.

She works with prospective Merchant and Cardholder Services clients during the sales process, identifying their unique needs and determining the appropriate solution.

Janell Ecklebarger

Janell K. Ecklebarger

Merchant Services Support and Risk Analyst
(574) 371-9254

Janell Ecklebarger serves as Merchant Services Support and Risk Analyst. She started her career in financial services when she joined Lake City Bank in 2011.

She focuses on ensuring Merchant Services customer account support expectations are met. She assists in mitigating risk and chargeback exposure to individual merchants. She also examines and prepares all prospective and existing statement analyses.

She earned her bachelor’s degree at Indiana University South Bend.

Susan Smith

Susan E. Smith

Cardholder Services Specialist
(574) 267-9120

Susan Smith serves as Cardholder Services Specialist. She started her career in financial services in 1984 and joined Lake City Bank in 2004.

She supports our internal and external customers with handling account maintenance, inquiries and product promotion. Susan guides customers through selecting the best product for their business purchasing needs.

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