Merchant Services

Simplify your business operations, accept more payments, and unlock sales insights with Clover.


Helping businesses grow and thrive

Owning a business can be demanding – from tracking inventory and supervising employees to taking orders and everything in between. That’s why we’ve teamed up with Fiserv, an industry leader, to offer their best-in-class payment solutions (Clover) to our business members.

Clover can help simplify your operations with an all-in-one payment processing system and business management solution tailored to meet the unique needs of restaurants, retailers, and service businesses.

With Clover, you can:

  • Accept more types of payments, including EMV® chip cards, Apple Pay®, and Samsung Pay®
  • Help protect your customers, business, and reputation from fraud with built-in security
  • Help generate more visits and more sales through mobile loyalty and rewards programs
  • Uncover new insights and compare sales against competition within your market
  • Grow your business online and manage everything in one place
  • Manage inventory, employee schedules, payroll, and more
  • Turn future credit card sales into working capital with Clover Capital — no fixed payment amount, no fixed term, no interest rate

Merchant Services Benefits

Increase your revenue

Accept a wide range of major credit and debit cards to help increase sales

Improve your cash flow

Card authorizations take seconds, funding happens in 1-2 business days

Gain customer satisfaction

Give your customers the freedom and flexibility to pay the way they want

Receive online payments

Invoice customers, receive payments, set up recurring billing and take your business wherever you go

More tools to run your business

Clover also provides business owners real-time access to these reporting tools, which can be accessed anywhere, anytime, on your mobile phone or laptop:

  • Revenue (total and hourly), top-selling items, refund and discount volume, open orders, and more
  • Sales across locations, including online and in-store
Contact Patelco Virtual Branch™ More tools to run your business

How to sign up for merchant services

We’re here to help your business start a relationship with Clover and explore all the benefits the solution has to offer. Getting started is simple – here’s how it works.

  • 1. Meet with Virtual Branch™ to set up your business accounts

  • 2. Let our team know you’re interested in Fiserv’s merchant services program

  • 3. A Fiserv business consultant will contact you to discuss your business needs and present solutions for your business

  • 4. You’ll sign an agreement with Fiserv and the consultant will help you get up and running

Merchant Services FAQs

    Merchant services provide everything — from hardware to software — that a business needs to process credit or debit card payments for in-store and online stores.
     
    Other accepted forms of payment may include Apple Pay, Google Pay, and gift cards.
    Merchant services include:

    • point-of-sale (POS) systems
    • payment card readers
    • software or apps for business management
    • online payment gateways
    • eCommerce platforms and services
    • gift card, loyalty, and other promotional programs

    Merchant Services can support a variety of business types, including retailers, restaurants, lodging, professional services, and consumer services such as home repair and salons.

    The issuing bank will charge the cardholder’s account for the transaction amount. That bank will transfer the funds to the merchant bank (Fiserv in this case), minus interchange fees. The merchant bank will then deposit funds into your business account.
     
    It usually takes 1-2 days for funds to be transferred into your account.

    Costs may vary depending on your business needs.
     
    Authorization fees, or the fee your business pays for credit card transactions, can be percentage-based (1.5% to 3.5%) or a fixed fee.
     
    You may also be charged a setup fee, monthly or annual account fees, and statement fees. You will also need to purchase a card reader or POS system.

    Clover is Fiserv’s industry-leading point of sale (POS) and business management solution for small to medium-sized businesses (SMBs). In addition to providing contactless payment capabilities, Clover offers more than 450 apps to help businesses streamline their payroll, taxes, inventory management, and more – all through their Clover device.
     
    Clover is part of Fiserv, a leading financial services company serving millions of businesses in more than 100 countries.

    If you need support with your Merchant Services, please contact your Fiserv business consultant.

© 2023 Clover Network, LLC. The Clover name and logo are registered trademarks owned by Clover Network, LLC and are registered or used in the U.S. and many foreign countries. Use of Clover requires a Merchant Processing Agreement. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

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