Card Services

Horizon offers credit and debit cards, purchasing cards and gift cards, as well as card processing services to your business.  These services are a must have in today's business climate and can make a real difference in how you manage your day-to-day payments and expenses.

Business Credit Cards

Horizon offers a variety of business credit cards to choose from - find the one that will best benefit your business.

VISA Business Card

The more you use this card, the more you'll benefit - with streamlined accounting and solid purchase protection, and no annual membership fee with just one purchase per year.

VISA Business Travel Card

Tired of black out dates and seat restrictions tied to airline cards?  The Horizon VISA Business travel card provides all the standard business card benefits in addition to accelerated point earnings and travel without restriction.  Earn 2 points for every net dollar spent on all travel and lodging purchases in addition to one point for every net dollar on all other purchases.  Redeem points for free tickets on any airline with no blackout dates, seating restrictions or zone restrictions.  Plus you can redeem for merchandise, gift certificates or cash. 

VISA Platinum Business Rewards Card

Designed for the small business owner looking for a low rate card with the ability to earn their choice of rewards.  The VISA Platinum Business Rewards Card lets you earn one point for every net dollar spent on your card.  Points can be redeemed for a variety of rewards such as merchandise, gift certificates and travel options.  All this for no annual membership fee - ever. 

VISA Purchasing Card

Purchasing cards offer more than just your average credit card.  These cards can provide your business with enhanced spending controls, robust reporting, automated G/L interface, and personal servicing that your typical card programs do not offer.

Business Debit Card

With a Horizon business debit MasterCard, you can make purchases wherever MasterCard is accepted and the purchase amount comes directly from your business checking account. A business debit card can offer you some great benefits:

• More convenient than petty cash. The more you and your employees use the card for everyday business expenses the less time you'll spend reconciling your company's petty cash account.
• More protection than cash or checks. Most purchases made with your business debit card are automatically covered by theft and damage protection.
• More control over company expenses. You will receive an itemized listing of all transactions on your monthly business checking account statement, which can make it easier to monitor employee spending, identify tax deductions, and fill out expense reports.
• More ways to save time. Your business debit card can get you out of checkout lines faster because you won't have to wait for check approvals. It can also get you instant order approval when shopping by phone or online. And, routine banking will be easier too, because you can use your card to make deposits, check balances, or transfer funds at any Horizon Bank ATM.
• More security for business travelers. Cardholder benefits include toll free emergency travel assistance from over 75 countries, 24 hour roadside assistance, emergency medical protection and legal referrals, plus access to cash at MasterCard/Maestro/Cirrus ATMs worldwide.

Gift Cards

Bring more customers to your business with gift cards. Electronic gift cards allow you to extend more payment choices to your customers while adding value to your business. Expand your market, increase revenue and build customer loyalty. Use gift cards for holidays and special occasions, corporate gifts, merchandise returns and customer appreciation gifts just to name a few.  And you can choose from very basic card designs to highly customized looks for your cards.  On top of the many uses for gift cards, there are also many benefits to your business:

• Retains 100% of purchased value - unlike paper certificates, there is no cash back.
• Remaining balances bring return visits and ensure the entire value will be spent at your business.
• 61% of gift card users spend more than the value of the card.
• Integrates seamlessly with your current processing solution.
• No extra equipment is needed, and you have one source for all your service needs.

Card Processing

Accepting debit, credit and gift cards as a form of payment allows your business to work smarter and get paid faster. Horizon and the Nova Network have created an alliance to give your business one of the industry's most advanced merchant card processing solutions. By combining Horizon's banking expertise with Nova's processing network, you can enjoy a one-step solution for all your banking and processing needs. Whether you're a small business who is just thinking about accepting credit cards or an old pro with advanced processing needs - we can help.  We have several processing options and methods so that you can select the one that just right for the way you dot business.