Clover

Payments, explained in plain English.

Interchange, tokenization, settlement and more: the terms on your statement, decoded.

✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.

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Merchant Fund Express offers Clover POS and credit card processing through our partnership, with on-site installation, training and phone support.

Merchant Fund Express writes these pages for owners, not for search engines: each one answers a real question about how Clover fits a real business. Pick yours, or call (305) 384-8391 and tell us how you sell.

ACH vs. card paymentsACH moves money directly between bank accounts. Cards run on card networks. Each has a place.AVS and CVVThe address check and the three-digit code are simple tools that catch a surprising amount of fraud on card-no Assessments and card brand fees, explainedAssessments are small fees charged by the card networks on volume. They are one of the layers in your processi Credit card processing for a brand-new businessA new business has no history, and underwriters know it. A little preparation makes approval smoother.Digital wallets and NFCA phone or watch payment is a card payment wearing a different coat. NFC is the short-range radio that makes i EMV chip and the liability shift, in plain EnglishEMV is the chip in the card. The liability shift changed who pays when a counterfeit card is used in person. T Interchange categoriesInterchange is the fee set by card networks and paid to the bank that issued the card. It is not one number; i Level 2 and Level 3 processingLevel 2 and Level 3 are ways of sending extra detail with a card transaction. For business-to-business sales i Mail order and telephone order (MOTO) paymentsMOTO means the card is not in your hand. It is common and legitimate, and it needs more care.Merchant category codes (MCCs)An MCC is a four-digit code that describes what your business does. It follows you through every transaction.Partial and incremental authorizationsA card approval is not always for the final amount. Partial and incremental authorizations explain why.Payment facilitator vs. your own merchant accountThere are two common ways to accept cards: join someone else's master account, or have an account of your own.Payment security for restaurantsRestaurants hand cards to people out of sight. A few habits close the largest gaps. This is general informatio Processing for high-ticket salesA bigger ticket changes the risk picture and sometimes the conversation with your processor.Receipts and signaturesReceipts and signatures are about records and trust. Rules differ by card network and state. This is general i Recurring billing and card on fileCharging a customer again without asking each time is convenient and needs clear permission. This is general i Writing a refund policy customers can understandA good refund policy is short, specific and visible. It prevents arguments and disputes. This is general infor Settlement time and funding schedulesSettlement time is a calendar, not a mystery. Understanding it makes your cash flow predictable.Tokenization and point-to-point encryption, explainedTwo technologies keep card data safe in the system: encryption at the device and tokens in place of card numbe What is a merchant account?A merchant account is the account where your approved card sales are held before they reach your bank.

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Find your business type or the problem you are solving, or call (305) 384-8391 and tell us how you sell.

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