Who We Are First National Merchant Solutions has helped businesses grow for over 50 years. We are a wholly owned subsidiary of First National Bank, the oldest nationally chartered bank west of the Mississippi. It’s this pioneer heritage that gives us the stability and knowledge to build superior service and payment solutions tailored to your needs-whatever your business. What we do Businesses today need more than just payment acceptance from their processor. They need a full-service solutions provider that understands their business and knows their needs. As a leading processor in the industry, First National Merchant Solutions is proud to serve businesses from small, traditional retailers to large multi-channel merchants. Our dedication is not just in our solutions, but in our service. We take the time to know your business and the solutions you need, because the most important aspect of our business is the service we provide for yours. Our $500 Guarantee We’re committed to processing your transactions as efficiently as possible to lower the impact of Visa and MasterCard interchange fees. We guarantee that we can save you at least 10% on your monthly credit card fees or we will pay you $500.