Merchant Services

Accept payments. Manage your business. Keep moving forward.

OptimumBank offers merchant services with Clover®, giving businesses flexible point-of-sale and payment solutions designed to make accepting payments and managing day-to-day operations easier.

Whether your customers pay in person, online or on the go, Clover provides tools that can help you securely accept payments while keeping important parts of your business connected.

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What Clover can do for your business

Accept Payments Easily

Accept credit and debit cards, EMV® chip cards and contactless payments, with solutions for the counter, tableside, mobile and online payments.

Run Your Business

Use Clover tools to help manage transactions, inventory, employees and reporting from a connected business platform.

Build Customer Relationships

Access tools that can support customer engagement, loyalty programs, gift cards, promotions and other ways to encourage repeat business.

Protect Payment Data

Clover solutions include security features designed to help businesses process payments more securely and protect sensitive payment information.

Solutions for the way you do business

Clover offers flexible tools for many types of businesses, from a single-location shop to businesses that need mobile or more advanced point-of-sale capabilities.

Restaurants From the restaurant floor, the kitchen, the back office, and everything in between, Clover helps improve efficiencies, reduce costs, and lets full-service and quick service restauranteurs do what they do better.
Retail With Clover, you can run your entire store from a single, smart POS. Manage inventory and stock, handle returns and exchanges, manage staff, and accept all types of payments.
Service Businesses The Clover POS system and business management platform helps professional, personal, and home and field service businessess process more types of payments, manage employee scheduling, access revenue reports, and get a holistic view of your business.
Healthcare Clover PracticePay™ is a HIPAA-compliant1 platform built specifically for healthcare providers to manage payments, operations and patient experience, all in one place.

1 HIPAA compliance applies to Clover PracticePay powered by Rectangle Health.

Choose a Clover point-of-sale solution

From compact mobile payment devices to complete countertop systems, Clover offers hardware and software options that can be matched to your business needs.

Clover Station Duo

Clover Station Duo

A powerful countertop POS system with separate merchant and customer-facing screens for a smooth checkout experience.

Clover Station Solo

Clover Station Solo

A full-featured countertop point-of-sale system designed to help manage payments and business operations from one station.

Clover Mini

Clover Mini

A compact countertop POS with payment and business-management capabilities in a smaller footprint.

Clover Flex

Clover Flex

A portable handheld device that can help you take payments and serve customers away from the counter.

Clover Go

Clover Go & Virtual Terminal

Flexible options for businesses that need to accept payments from a compatible mobile device or through a browser-based virtual terminal.

Clover Compact

Clover Compact

Get started with a simple counter-based payment terminal that fits all your payment processing needs.

Clover Kiosk

Clover Kiosk

Provides seamless transactions at the customer’s fingertips while freeing up quick service and fast casual restaurant staff.

Clover Kitchen Display System

Clover Kitchen Display System

A durable, restaurant-grade kitchen display system purpose-built to keep your whole restaurant in sync.

More than payment processing

Clover can give businesses access to additional tools and apps for functions such as reporting, inventory management, employee management, customer engagement, gift cards, online ordering, invoicing and more. Available features vary by Clover product and service plan.

Ready to explore merchant services?

Contact OptimumBank to discuss your business, payment needs and available Clover merchant services solutions.

Contact OptimumBank

Important Merchant Services Disclosure: Merchant services and Clover products are provided through third-party service providers and are subject to applicable agreements, approval and underwriting requirements. Merchant services products are not deposits or other obligations of OptimumBank, are not FDIC insured, and are not guaranteed by OptimumBank.

© 2026 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 with First Data Merchant Services LLC. All trademarks, service marks and trade names referenced on this page are the property of their respective owners.

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