Small Business Resources – Merchant Services | Santander Bank - Santander
Merchant Services Resources
Find answers to the most frequently asked questions for Santander's merchant services. Learn about service charges, payments, security features, and more.
How quickly will my card processing funds be credited to my account?
For linked Santander Small Business Checking Accounts who complete their nightly processing activities by 11:00 p.m. funds are available to transact on by 8:00 a.m. the following day in most cases.
For an additional fee, expedited funding may be available. Some rules apply. Please call 800-916-6264 and reference Clover® Rapid Deposit.*
How do I sign up for credit card processing for my business?
Santander Merchant Services* offers a comprehensive array of electronic payment processing products and services that deliver unsurpassed value. To inquire about a payment processing account, please visit https://partners.clover.com/santander/contact/ or call 1-800-448-0934.
Hours of operations: Monday – Friday 8:00 a.m – 6.00 p.m. ET.
Are there any service charges or fees for using a payment processing account?
Yes. There are monthly subscription fees, which will vary based on package pricing.
What kind of credit and debit cards can I accept?
The Clover® brand of merchant payment solutions can be customized to fit the needs of your business. Credit or debit cards are accepted by swiping, dipping, or tapping. Clover® payment solutions also accept contactless payment.*
Enable your business to accept nearly every type of payment:
- EMV chip cards: Accept payment via any chip card in seconds, with PIN entry and signatures for added security
- Swipe cards: Credit and debit cards from all major brands
- Contactless NFC payments (Apple Pay®, Google Pay®, and Samsung Pay®)
- Process transactions in your shop or on the go with NFC-enabled cards and mobile payment services
- Checks: Scan and submit paper checks as electronic payments
- Cash: Add a cash drawer and take traditional payments as easily as digital ones
Santander Merchant Services is powered by First Data Merchant Services LLC, and its affiliates, including Clover Network LLC. Merchant processing services are provided by First Data Merchant Services LLC.
How long will it take to begin accepting card payments?
Upon approval of your merchant account application with First Data Merchant Services LLC, you’ll be able to accept card payments as soon as you activate your Clover® account. Visit Clover.com for a step-by-step guide on account activation, internet and app access to your Clover® services, and adding new or additional devices.*
How secure are Santander Merchant Services?
Clover® has built-in security to help protect your business and your customers. Clover® works with Fiserv, a leader in payment processing, to ensure multiple layers of security protect your small business from fraud. Your customers’ data is always protected; Clover® uses the latest end-to-end encryption and tokenization technology to secure transactions and keep personal data safe. Learn more at: https://partners.clover.com/santander/merchant-services/security/ .*
©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.
Santander Bank is not affiliated with First Data Merchant Services LLC or any of its affiliates.