Business

What are merchant services?

Merchant services are financial solutions that help businesses accept and process payments. Wells Fargo provides a complete suite of tools — including hardware and software — to accept payments in person, online, or by phone. Plus, our solutions help you manage operations and uncover opportunities to grow your business.

What is a Wells Fargo merchant account and what does it include?

A merchant account makes it easy for businesses of any size to accept card payments. Once payments are processed, funds are deposited into your account and can be transferred to a business deposit account — as soon as the next business day with a business deposit account from Wells Fargo. We partner with Clover® to deliver flexible, all-in-one solutions for payment acceptance, business management, and growth.

Every account with Clover includes:

• Payment acceptance capabilities
• Basic Clover software plan features
• Access to Clover gateway for virtual payments
• Clover dashboard for visibility into business activity
• Funding as soon as the next business day with a Wells Fargo business deposit account
• 24/7 live expert support
• Real-time sales data and robust reporting
• Advanced fraud protection and dispute management tools
• Built-in payment security compliance

How can I accept the payment methods my customers prefer?

Our payment solutions are designed to give your customers flexibility — and help you never miss a sale. You can accept:

• All major credit and debit cards in-person, by phone, or online
• Payments through invoicing for quick, secure transactions
• Recurring payments for subscription-based services
• Point-of-sale transactions accepted at your business counter or storefront
• Mobile payments when you're on the go
• Payments through self-service kiosks for convenient ordering
• E-commerce payments directly through your website
• Orders by phone with manual card entry

No matter how your customers prefer to pay, we make it simple — so you can focus on running your business.

Can I accept online payments without point-of-sale hardware?

Absolutely. You can take online payments with virtual payment solutions that come standard with your account — no hardware required. You can:

• Email invoices or share secure payment links
• Set up recurring billing for subscription services
• Add checkout buttons or URLs for frequently sold items
• Integrate with your website using hosted checkout pages or popular e-commerce plugins
• Process payments from your browser with our virtual terminal
• Accept payments on the go from your phone

All transactions sync to one dashboard so you can track payments, and keep everything organized.

What tools do you offer to help manage day-to-day operations?

Our system includes a full suite of tools to keep your business organized and running efficiently:

• Employee Management – Track time and attendance, set permissions, and manage schedules.
• Customer Management – Gain insights into buying habits to personalize service.
• Inventory Tools – Maintain accurate stock levels, reduce errors, and save time.
• Real-Time Reporting – Monitor sales trends, performance, and adhere to tax compliance with ease.
• Accounting Integration – Sync with your existing software to cut down on manual entry.
• Dispute Resolution – Resolve payment issues quickly and keep cash flow steady.
• Payroll & HR Basics – Handle payroll, background checks, and employment essentials — all in one place.

Everything connects in one dashboard, giving you the insights and control you need to run your business smoothly.

How can your solutions help me grow my business?

Our tools are designed to help you scale efficiently and reach more customers:

• Promotions & Rewards – Offer promotions and loyalty programs, and collect feedback to keep customers engaged.
• Online Presence – Build a branded website and enable convenient online ordering to boost sales.
• Appointment Management – Take online bookings, send appointment reminders, and manage no-shows.
• Enhanced Reporting – Track discounts, voids, and refunds to reduce losses and improve margins.
• QR Code Payments – Speed up table turns and simplify checkout.
• Third-Party Integrations – Connect with marketing tools and delivery platforms to expand your reach.
• Self-Ordering Kiosks – Reduce wait times and handle more volume with the same team.

All of these work together to help you serve more customers, create new revenue streams, and grow — without overwhelming your staff.