First Payment Services (fnb)

First Payment Services (operating under the FNB Merchants brand at fnbmerchants.com) is a payment processing intermediary that partners with community banks and financial institutions to deliver credit card processing services to merchants. The company positions itself as a white-label or program-management layer between banks (notably Synovus Bank and Wells Fargo Bank) and end merchants, providing risk mitigation, compliance, customer education, and revenue-share programs. It does not appear to have undergone a major pivot but has grown its bank-partnership program over 14+ years.