Credit Card Processing

Experience the uniqueness of First Hawaiian Bank's Merchant Services program -- a credit card acceptance service backed by the on site "local service" of an experienced and knowledgeable staff. 

First Hawaiian Bank's merchant services product is "not the same" as other credit card processors. Local staff and local processing allow us to provide:

  • Credit card batches closed by 7 p.m. HST will be available by 9 a.m. HST next business day.
  • On-site installation, training and trouble shooting.
  • Local availability of replacement equipment.
  • Paper draft processing (if need arises).
  • Supplies free of charge.
  • Personal assistance simply by calling a local phone number; no need to consider different time zones to get help when you need it.
  • Local handling of chargeback requests.

We look forward to having you "experience the difference" when you adopt the First Hawaiian Bank's Merchant Credit Card Acceptance program.

Call our Business Services Sales Department for more information at 844-3174. Neighbor Islands may call (800) 336-0542. Guam and CNMI may call (671) 475-7846.


Faster Access to Funds
No more waiting for checks to clear, providing better cash management.

Increased Sales
More than 300 million people use credit cards with 20% of all sales a result of impulse buying.

Reduced Losses
A credit card sale is virtually guaranteed without the risk of bad checks or cash mishandling.

Substantial Advertising and Promotional Support
Credit card companies spend millions to advertise their services and provide FREE promotional aids and displays.

Large Dollar Sales
Credit card customers have considerable purchasing power and have been prescreened for credit worthiness.

Record Keeping
First Hawaiian Bank provides a monthly statement itemizing all your MasterCard, VISA, American Express OptBlue®, and Discover Network cards (Discover, JCB, China Union Pay, BC Global, Diners International and Carte Blanche).

As a part of our commitment to helping all our merchant customers to safely process credit / debit card payments, First Hawaiian Bank has selected a program to assist you in meeting the Payment Card Industry Data Security Standard (PCI DSS) requirements.

What is PCI DSS?  PCI DSS is a set of guidelines formed by the five major card brands (Visa, MasterCard, American Express, Discover and JCB) to ensure that merchants are following best practices to reduce credit card fraud and security breaches. All merchants are required to ensure compliance with these standards. For more information on PCI DSS, visit

How do I Ensure I’m Compliant?  First Hawaiian Bank has selected Qualified Security Assessor (QSA) ControlScan to help ease your compliance with Payment Card Industry Data Security Standard (PCI DSS) so you can focus on your business.

ControlScan can help to walk through the requirements with you, answer your questions and facilitate initial and ongoing compliance.  This includes a self-assessment questionnaire based on how your business processes credit cards, stores sensitive data and creates and manages written security policies.  Scanning is required for only certain merchants – generally those using a POS system with internet connectivity and those who have ecommerce business.  Finally, all merchants much attest they are compliant annually.


First Hawaiian Bank offers a premier Dynamic Currency Conversion (DCC) program. First Hawaiian Bank’s Pay in Your Currency lets your international Visa and MasterCard customers enjoy the confidence and convenience of paying for their purchase in the currency they understand best – their own. And, the amount on their receipt matches their statement when they return home.

Merchants looking to enhance their customer service and attract more valued international customers should contact us and start taking advantage of Pay in Your Currency’s benefits today!

Merchant Benefits

  • Attract new international customers

  • Encourage repeat business

  • Create a personalized pricing experience

  • Offer superior customer service

  • Create an additional revenue stream

Cardholder Benefits

  • No surprises! Customers see the exact amount of their purchase in their home currency at time-of-sale and on their statement

  • Leisure travelers enjoy the certainty of knowing the final cost in the currency they understand best – their own

  • Business travelers appreciate the convenience of accurate expense accounting

The FHB Data Breach Assistance Program helps to reduce a merchant’s expenses resulting from a suspected or actual breach of credit card data. The data breach can be either a point-of-sale system breach or the physical theft of the credit card data from stolen receipts, stolen computers, or card skimming.

Program Eligibility

  • Any Level 2, 3 or 4 merchant is eligible, provided all vulnerabilities caused by any prior data breach have been remediated.

  • Level 1 merchants are not eligible for this protection. Level 1 merchants include merchants with non-remediated vulnerabilities from a prior breach or merchants with more than 6 million transactions per year.

Program Protection

  • A mandatory forensic audit required by the Payment Card Industry Data Security Standard (PCI DSS) of a merchant when a data breach is suspected.

  • Card replacement costs and related expenses resulting from the data breach.

  • Fees, fines and penalties levied against a merchant by card brands as a result of a data security breach.

Program Limits
The Data Breach Assistance Program provides assistance up to $100,000 per merchant identification number (MID)/per year.  For companies with 5 or more MIDs, there is also a maximum limit of $500,000 in protection per year. This maximum limit applies when 5 or more of a company's MIDs are breached during the course of the year, either in a single incident or in a series of incidents.

To learn more, please make an appointment or visit your nearest branch.

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