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First First Harbor Merchant Services

Working together to build loyalty and create value one opportunity at a time.

FHMS is a leading provider of transaction processing and bankcard acquiring services. We provide processing services for all major card types, as well as most regional and national debit and EBT cards. We also provide the capability for check verification and check guarantee. First First Harbor offers outstanding customer support, comprehensive reporting, and continuous development of processing technology to benefit you now and in the future.

Business Solutions




FHMS is uniquely equipped to handle the specific operational requirements of your business. Our customers seem to agree. In the past three years, our portfolio has expanded by more than three billion dollars making FHMS one of the largest bank acquirers in the United States.
  • Detailed daily reporting at location, regional and corporate levels
  • Industry-specific product offerings
  • Chargeback ratios significantly lower than industry averages
  • State-of-the-art back-office technology
  • Lower interchange rates
  • Simplified reconciliation
  • Faster deposits

Member Site (myFHMSi)

myFHMSi is a secure site for registered clients of First First Harbor Merchant Services.

If you are not a registered user, please contact a First First Harbor Merchant Services Representative at 1-800-555-1212 option 1.