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Specialty Services

Bill Pay Servicing

As a Bill Payment Service agent for Merchants Bank of California, N.A., you are able to offer your customers the ability to pay their bills to over 12,000 different billers anywhere in the country, from utilities, rent, car payment, insurance, cable, telephone and many other types of bills. This is a convenient service for your customers, considering that a customer who comes to you to cash a paycheck or send a money transfer, will more likely also need to make a car payment or pay their electric bill as well.


Bill Payment Service is most suited for money service customers with a network of multiple locations. As a Bill Payment Service agent, you can provide this service to your customers either through our Merchants Bank’s proprietary web-based system or through our API using your network’s system. Bill payments are processed each evening and your account will usually be debited the following day. Usual delivery time for standard bill payment service is 2-3 days (we also offer limited real time bill payment for billers that offer this service). As an agent, Merchants Bank offers you a flat “buy rate”, allowing you to set your own competitive pricing for your customers.

Foreign Exchange

At Merchants Bank of California, N.A. we have leveraged our knowledge and expertise in foreign exchange and international currency management to become an important trading bank to the money transfer industry, specializing mainly in the US Dollar/ Mexican Peso market. As a U.S. national bank our FX desk maintains significant trading relationships with major banks and international exchanges and can deliver pesos early to your paying institution through our correspondent settlement accounts. We can provide our customers with FX services in the Mexican Peso in Cash, TOM, and Spot. When time is of the essence in having your currency delivered to your paying institution in Mexico, it is reassuring to know that Merchants Bank of California, N.A. is standing behind your trade.

PrePaid Top-Ups

Merchants Bank of California, N.A., makes it convenient for your customers to reload prepaid cell phones, internet or other prepaid services with our “Top-up” Service product. We offer top-up services for over 600 different companies, including some of the most popular ones – Boos, Page Plus, Cricket, Simple Mobile, Verizon, Claro, Movistar, Digicel, Tigo, Nextel, Telce, Telmex and Orange, to name a few. We are able to provide this service to your company either through our Merchants Bank’s proprietary web-based system or through our API using your network’s system.


Top-ups are sold by our agents at face value of the “load” to the customer and commission revenue consists of the difference between the total amount of the sale and the discounted amount charged to your account on the following day.

Merchant Card Services

Merchants Bank of California, N.A. operates as a reseller of major credit card services, Independent Sales Organization (ISO), by providing merchants with the ability to accept all major credit cards for debit and credit card transactions and to perform EBT (Electronic Benefit Transfer) cash-out transactions.


We can assist you in offering Merchant Card Services to your customers. This service will allow your customers to make purchases of goods at your location with a debit or credit card and EBT recipients can withdraw funds from their cards.