Electronic Payment Systems

The GROWMARK Electronic Payments Network currently processes and settles more than 9.7 million transactions and $500 million annually to network merchants across 17 states. We keep pace with regulatory and market demands for bank cards, fleet cards, DEBIT cards, gift cards, ACH/electronic check conversion, and PC/web-based payments. 

For more information, contact Dan Christian, Manager, Electronic Payment Systems. 

GROWMARK Electronic Payments Offerings 



Standard Card Deck

Our standard card deck includes acceptance of the GROWMARK family of proprietary cards and a comprehensive list of nationally branded bank cards. Acceptance of commercial fleet cards help increase gas, diesel, and in-store sales. 

Enhanced Card Deck 

Also available is our enhanced card deck that accepts:

  • EFS Fleet Fueling
  • T-Check
  • TCH
  • Fleet One Over-the-Road 
  • Fuelman
  • CFN
  • MultiService

Proprietary Card Program

Our proprietary card program will meet your customers needs and help you to increase your sales. Our program offers:


  • Consumer and commercial versions of the card program
  • Fuel contracts
  • Special pricing
  • Rack Plus Pricing for commercial cards
  • Tax exempt sales for commercial cards


  • Added security and control with product restrictions to limit unwanted or unapproved purchases


  • Cardholder account management online (click here to login to My Fuel Card) 
  • Email and text alert options
  • Detailed and customizable reports 

Gift Card Program

Want to see your logo on your own custom gift card? Our gift card program not only provides another way to grow your sales, but it offers a way to increase loyalty and spread your name in the community. Gift cards aren't just for special occasions anymore. They can integrate with your marketing program and even be used to foster local business-to-business relationships. 

If you're planning a grand opening or customer appreciation day, we can mass-activate groups of cards and ship them directly to you. You can also manually fund gift cards on your point-of-sale system. Each terminal allows you to activate, recharge or add additional funds, redeem, or conduct a balance inquiry. 


Our network was built with the needs of our merchants in mind. Settlement for standard card deck transactions occurs daily and is paid within three business days of the original transaction. Our consolidated settlement program makes reconciliation simple yet allows users to drill down for detailed settlement information when needed. It even allows you to print a generic receipt by customer request. 

Our secure website gets you the information you need, including: 

  • Transaction and payment information 
  • Sort by ACH date, card type, or location
  • Chargeback information
  • Cashback information
  • Misc./card fee information
  • Fleet card tax exempt detail
  • Download data to Excel or CSV file

Merchant Support

Although issues are inevitable, you can't afford to be unable to accept electronic payments. That's why GROWMARK EPS provides merchant support with a real person on call 24 hours a day, 7 days a week, 365 days a year. We support the following Point of Sale Systems: 

Retail Fueling

  • VeriFone Ci and Commander
  • Gilbarco Passport 
  • Fiscal 
  • VeriFone Vx 520

Unattended Fueling

  • Fiscal 
  • PetroVend

Retail (Non-fueling) 

  • VeriFone Vx 520 
  • VirtualTerminal

Other Solutions


VirtualTerminal enables the scheduling of a single transaction or recurring transactions with a few simple keystrokes on your computer. Your customers will enjoy the convenience and peace of mind knowing their bill will be paid automatically and on time. The VirtualTerminal allows you to accept credit card payments and electronic checks. 

Secure Web Pay

Secure Web Pay harnesses the power of the internet to start accepting payments online. 

Mobile Pay 

For when your office is on wheels.

PCI Compliance Assistance 

Achieving Payment Card Industry Data Security Standards (PCI DSS) compliance can seem like an overwhelming task, but our comprehensive program provides useful tools to track your progress and validate your compliance success.