Whether you ring up sales at a counter, on the road, online, or on a monthly schedule, we will set you up with the right terminal and a payment processing rate that actually makes sense.
Most credit card terminal pages start with a list of devices and ask you to figure out which one is for you. That is backwards. The right way is to start with where the payment happens. Then we can match you to a Clover terminal that fits, set up your processing the right way, and get out of your hair.
Here are the four ways most Ontario operators take card payments. Pick the one (or two, or three) that match your operation.
You take payment at a fixed point of sale. A till, a register, a service desk. Customers bring their card to you. Card present, tap or chip, fast turnaround.
Best Clover device for this
Clover Mini for tight counter space, or a full Clover Station setup if you want a real POS, not just a terminal. (See the full Clover POS lineup for system-level setups.)
You take payment away from a fixed counter. Servers carrying terminals to tables, mobile groomers finishing a job in someone's driveway, market vendors at a Saturday pop-up, electricians collecting after a service call.
Best Clover device for this
Clover Flex for handheld POS work with a built-in printer. Clover Go (a card reader that pairs with your phone) for the lightest possible setup with no printer.
You sell through a website, take orders by phone, or send a payment link to a customer to settle an invoice without them ever showing up in person. Card-not-present transactions.
Best Clover device for this
You probably do not need a device at all for this. Clover’s virtual terminal lets you key in a card from any browser, and you can email a payment link to your customer that they tap to pay. We will set up the e-commerce hookup if you sell from a website too.
You charge the same customer regularly. Memberships. Subscriptions. Storage units. Service contracts. Monthly retainer billing. You want to set the schedule once and have it run.
Best Clover device for this
Again, no device needed. We set up tokenized stored cards inside your Clover account, define the recurring schedule, and the payment runs automatically on the date you set. Clean reporting. Clean reconciliation. Customer stays on the same payment method until they choose to update it.
Every business takes payment a little differently. These are three of the industries where the Clover lineup, paired with our Interchange+ pricing and on-site setup, fits especially well.
Front-desk Clover Mini for co-pays and balances. Tap or chip at the counter, payment plans where they fit, receipts emailed to the chart so the front office is not handling printouts.
Reception desk payments, follow-up payment links for after-hours emergency invoices, and clean reporting that splits services from product sales for the bookkeeper.
Clover Flex for on-site payments at the end of a job. Mobile invoicing, tap or chip on the spot, and a printed receipt before you leave the driveway.
Front-desk Clover Mini for co-pays and balances. Tap or chip at the counter, payment plans where they fit, receipts emailed to the chart so the front office is not handling printouts.
Reception desk payments, follow-up payment links for after-hours emergency invoices, and clean reporting that splits services from product sales for the bookkeeper.
Clover Flex for on-site payments at the end of a job. Mobile invoicing, tap or chip on the spot, and a printed receipt before you leave the driveway.
This is the part most providers do not explain because they would rather you not look too closely. Here is what happens when a customer taps a card on a Clover terminal we set up for you.
The Clover device reads the card and sends an authorization request through the secure payment network.
Visa, Mastercard, American Express, Interac, or Discover validates that the card is real, in good standing, and has the funds available. This step takes about a second.
A response comes back to the Clover terminal. Receipt prints. Customer leaves.
With us, that happens next business day as standard. Process today, money is there tomorrow.
Your daily and monthly reports show every transaction, what you were charged, and what cleared to your account, line by line. No mystery fees. No bundled "junk" line items.
The customer taps, dips, or swipes. The Clover device reads the card and sends an authorization request through the secure payment network.
The card network checks the card. Visa, Mastercard, American Express, Interac, or Discover validates that the card is real, in good standing, and has the funds available. This step takes about a second.
The transaction is approved. A response comes back to the Clover terminal. Receipt prints. Customer leaves.
The funds settle into your bank account. With us, that happens next business day as standard. Process today, money is there tomorrow.
You get the report. Your daily and monthly reports show every transaction, what you were charged, and what cleared to your account, line by line. No mystery fees. No bundled "junk" line items.
The same flow runs whether the card is tapped in person, keyed in over the phone, charged on a recurring schedule, or pushed through your website. We will set up whichever path you need, and we will explain the Interchange+ pricing so you can read your statement and know exactly what you are paying for.
We are an authorized Clover Payments reseller serving Southern Ontario from hubs in Owen Sound and Niagara Falls. When you set up your processing through us, here is what comes with it.
Mini, Flex, Flex Pocket, Go. Whichever one fits where you take payment. We will quote your hardware in writing, beside your processing rate, so the total cost is clear before you sign.
We do not bundle. We do not hide a markup inside a flat rate. We will look at your current statement and beat it, in writing, before you switch. (Details on our pricing page.)
Card surcharging has been legal in Canada since October 2022, and a lot of Ontario operators are using it to recover their card fees. We set it up in a way that follows the Visa and Mastercard rules, so you stay compliant.
We bring the device, configure it, and train your team in person. Not over a Zoom call. Not via a manual.
When something stops working at 7 PM on a Saturday, you call us. If we cannot solve it on the spot, our 24/7 Canadian backup partner picks it up. Clover’s direct support is the third backstop.
Process today, the money clears to your account tomorrow. Not three days later. Not on a "rolling schedule." Tomorrow.
The full Clover terminal lineup. Mini, Flex, Flex Pocket, Go. Whichever one fits where you take payment. We will quote your hardware in writing, beside your processing rate, so the total cost is clear before you sign.
Interchange+ rates that we will beat against any statement. We do not bundle. We do not hide a markup inside a flat rate. We will look at your current statement and beat it, in writing, before you switch. (Details on our pricing page.)
Surcharging set up the right way, if you want it. Card surcharging has been legal in Canada since October 2022, and a lot of Ontario operators are using it to recover their card fees. We set it up in a way that follows the Visa and Mastercard rules, so you stay compliant.
Local on-site setup and training. We bring the device, configure it, and train your team in person. Not over a Zoom call. Not via a manual.
Three tiers of support, starting with our cell phones. When something stops working at 7 PM on a Saturday, you call us. If we cannot solve it on the spot, our 24/7 Canadian backup partner picks it up. Clover’s direct support is the third backstop.
Next-day funding as standard. Process today, the money clears to your account tomorrow. Not three days later. Not on a "rolling schedule." Tomorrow.
Every Clover device runs Clover Payments. Pick the form factor that matches where you take money. For the deeper software walkthrough on the full POS systems, see the Clover POS page.
Full-power POS with a customer-facing screen
When you want the full feature set and you want your customer to see what they are paying for.
Single-screen countertop POS
When the Duo is overkill and you just need a fast, full-featured countertop POS.
Compact countertop POS with everything built in
When counter space is tight and you still want a real POS, not just a terminal.
Handheld POS with a built-in printer
When the work happens away from the counter. (See full breakdown below.)
Pocket-size handheld for digital receipts only
When you want the Flex experience in your apron pocket and your customers are happy with email or text receipts.
Card reader for your phone or tablet
When you take payment on the road and you do not need a full POS app at the customer.
Full-power POS with a customer-facing screen
When you want the full feature set and you want your customer to see what they are paying for.
Single-screen countertop POS
When the Duo is overkill and you just need a fast, full-featured countertop POS.
Compact countertop POS with everything built in
When counter space is tight and you still want a real POS, not just a terminal.
Handheld POS with a built-in printer
When the work happens away from the counter. (See full breakdown below.)
Pocket-size handheld for digital receipts only
When you want the Flex experience in your apron pocket and your customers are happy with email or text receipts.
Card reader for your phone or tablet
When you take payment on the road and you do not need a full POS app at the customer.
Not sure which one fits? and we will walk you through it.
Next business day, as standard. Process card payments today (before your daily cutoff) and the funds are deposited into your bank account on the next business day. We do not charge extra for next-day funding the way some processors do. It is just how we set you up.
Lower rates. No surprises. No call centres.
We will come to you. Owen Sound. Niagara. Anywhere in Southern Ontario.
Interchange+. We will walk through your statement line by line.
Real humans first. 24/7 Canadian backup. Clover direct as the safety net.
Local where you are. Remote where you need it.
Send us your statement. If we cannot beat your rate, we will tell you straight.
A statement credit on your first month when you switch to Azimuth.
Or call905.356.9906