Merchant Services Solutions

Payments that move at the speed of your business – backed by the bank you already trust.

Solutions that power commerce

  • Flexible integrations – Connect payments across your technology ecosystem
  • Seamless experiences – Simplify payment across channels
  • Actionable insights – Optimize performance with payment intelligence
  • Trusted expertise – Guidance tailored to your business

Optimize payment performance

Scalable, secure payment platforms help you capture revenue, control your cost of acceptance, and reduce fraud as your business evolves

Capture more sales

Maximize conversion with frictionless checkout to increase return sales and drive revenue

Control Costs

Optimize costs with the right mix of surcharging or service fees to reduce the cost of acceptance

Reduce fraud

Use industry-leading tokenization to protect transactions and fraud management tools to control losses

Maximize performance

Increase authorization rates, reduce declines, and drive a strong customer experience

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Payment acceptance solutions for every business model

Whether you’re looking to integrate payments into your existing technology ecosystem, accept payments across channels, or optimize payment performance and operational efficiency, our solutions help simplify processes, improve visibility, and support growth across your organization.

Automate receivables and simplify reconciliation with Virtual Card Automation

Reduce costs, increase efficiency, and accelerate payment processing.

While virtual cards provide secure payment acceptance, they often require time-consuming manual intervention to capture, settle, and reconcile each transaction. Virtual Card Automation removes those steps by routing payment emails directly to a digital lockbox, enabling straight-through processing that reduces administrative burden, improves accuracy, and helps your team process more payments with less effort.

  • One Solution for Every Issuer: Instead of managing a separate process for each card program, Virtual Card Automation handles virtual card payments from all issuers in a single workflow. Payment emails route directly into the solution — no portal logins, no copy-and-paste.
  • Eliminating Manual Data Entry: Virtual card payments no longer wait in emails for AR staff to open and process manually after signing on to issuer portals. 
  • Improving Cash Flow: Payments route directly to Virtual Card Automation for processing in real time, helping to reduce days sales outstanding (DSO). 
  • Automated Reporting and Reconciliation: A single portal delivers scheduled and on-demand reporting and remittance files, automating reconciliation in your accounting or ERP system. 
  • Ease of Implementation: Virtual Card Automation requires limited technical effort from your technology team to get started. 

Suppliers expect their buyers to ask to pay by card more often over the next five years than they do today. The more card volume you accept, the more the manual workload compounds — and the more automaton pays off. Contact a Merchant Services consultant

1. Payment arrives: Your customers pay invoices with virtual cards, and virtual card issuers send payment emails for each transaction.

2. Automated routing: Payment emails route directly to Virtual Card Automation, which serves as a digital lockbox instead of landing in your AR inbox.

3. Straight-through processing: Virtual card payments are processed automatically, eliminating the manual effort of handling each payment individually.

4. Settlement and reconciliation: Funds settle to your account, and you receive scheduled and on-demand remittance files for invoice-level matching in your ERP — with historical payment data accessible through the merchant portal.

Simplify payments across every channel with Wells Fargo Payment Gateway

Deliver seamless payment experiences across in-store, online, and digital channels through a flexible, enterprise-grade payment gateway.

Managing separate solutions for in-store, online, and phone payments can increase costs, create operational complexity, and slow growth. Wells Fargo Payment Gateway streamlines payment acceptance through a single omnichannel platform, helping you reduce integration challenges, improve efficiency, and deliver consistent payment experiences across every customer touchpoint.

  • Unified Payment Acceptance: Accept cards, digital wallets, and ACH payments across channels, meeting customers where and how they prefer to pay. Send digital invoices and collect payments through secure payment links, QR codes, and embedded website checkout experiences.
  • Simplified Integration, Faster Time to Market: Integrate once to enable a broad range of payment methods through a hosted, intuitive interface — reducing development effort and accelerating deployment of new digital payment capabilities.
  • Flexible, Scalable, and Secure Architecture: A PCI DSS-compliant platform with multiple integration options supports a wide range of business models and technical environments. AI-driven fraud and risk tools with configurable rules detect and prevent fraud in real time, while 3DS and account protection help reduce chargebacks.
  • Enhanced Customer Experience: Unified Checkout delivers a consistent, frictionless checkout experience across channels — helping improve satisfaction and conversion.
  • Centralized Management and Control: Manage payment methods and customize your payment experience through Enterprise Business Center — all from a single interface, for greater visibility, control, and customization.

Ready to simplify payments across every channel? Contact a Merchant Services consultant

Card present (in-store)

  • PCI DSS-compliant, P2PE-enabled devices help reduce compliance scope, with broad acceptance for tap, dip, swipe, keyed, and MOTO.
  • Automated ERP reconciliation eliminates dual entry, and offline mode captures payments during outages.

Card not present (online, mobile, phone)

  • A cloud-based gateway supports online, mobile, and phone payments for cards and ACH, plus a Virtual Terminal for fast, ad hoc payments with no website required.
  • Supports one-time, recurring, and installment payments with custom schedules, plus tokenization and Account Updater to reduce PCI scope and minimize declines.

Modernize billing and payment collection with E-Bill Express

Accelerate collections and reduce receivables processing costs.

Paper-based billing can create delays, increase administrative burden, and make it harder for customers to pay the way they prefer. E-Bill Express modernizes the billing and payment experience with a hosted online solution that helps accelerate payments, reduce manual reconciliation, lower receivables processing costs, and improve cash flow performance.

  • Convenient Presentment and Payment Options: Customers can view and pay bills online or by phone using credit card, debit card, or ACH, and they can enroll or simply pay as a guest. The interface crosses essential payment channels — online, interactive voice response (IVR), and customer service representatives. 
  • Streamlined Receivables Posting and Reconciliation: Remittance data uploads directly to your system, so you can post and reconcile payments using a detailed remittance report or an automated remittance file. You can also receive a daily accounts receivable file that automatically uploads to your ERP or financial system or use an API for real-time memo posting. 
  • Faster Access to Funds: Next-business-day funding into a Wells Fargo commercial deposit account can help optimize your cash flow and improve working capital. 
  • Robust Reporting on a Secure, Compliant Platform: The administrative portal provides user, financial, bill payment, and file management reports available 24 hours a day, seven days a week, downloadable in CSV, Excel, and PDF formats. The platform is PCI DSS-compliant through our partner FIS Global and is also compliant with HIPAA for data collection and privacy. 
  • Turnkey Simplicity: E-Bill Express works with your existing ERP or financial system and requires no web development or extensive support from your IT resources.

Ready to get paid faster? Contact a Merchant Services consultant

1. Send: You send us a file — or provide data through an API — with your customers' billing information.

2. Notify: Your customers receive bill notifications by email.

3. View and pay: Your customers view their bills online and pay online or by phone.

4. Reconcile: You post payments to your system and reconcile using an automated remittance file or detailed remittance report.

Integrate payments with the technology you already use

Connecting payment acceptance to existing systems can be complex, costly, and time-consuming. Our flexible integration capabilities allow you to securely accept payments through the supported software, gateway, ERP, or point-of-sale solutions you already use—helping reduce implementation effort, streamline operations, and maximize the value of your current technology investments.

  • Integrate with existing business systems and workflows
  • Support secure, reliable payment processing across channels
  • Reduce implementation complexity with flexible integration options
  • Preserve current technology investments without requiring system replacement
  • Scale payment capabilities as your business and technology needs evolve

Ready to integrate payments into your current setup? Contact a Merchant Services consultant

Manage payments and operations in a single platform with Clover®

Streamline operations and gain greater visibility across your business. Managing payments, employees, inventory, and daily operations across multiple systems can create inefficiencies and limit business insight. Clover brings payment acceptance and business management tools together in a single platform, helping you simplify operations, improve visibility into performance, and spend less time managing technology and more time running your business.

  • Accept payments across in-person, online, mobile, and invoicing channels
  • Manage inventory, employees, and day-to-day operations from one platform
  • Access centralized reporting and insights across locations and payment activity
  • Support B2B payment acceptance with Level 2 and Level 3 processing capabilities
  • Help protect payment data with advanced security features, including Point-to-Point Encryption (P2PE)
  • Scale with flexible devices, software, and integration options designed to support changing business needs

Ready to manage payments and operations in one platform? Contact a Merchant Services consultant

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Industry expertise tailored to your business

Partner with payment specialists who understand the unique challenges, regulations, and operating models of your industry. We work closely with you to identify your needs, share relevant insights, and recommend payment acceptance solutions that integrate with your business systems and workflows.

Embedded bill presentment, ACH, and virtual card capabilities built directly into ERP and treasury workflows—modernizing receivables and accelerating cash conversion end to end.

  • Streamlined billing and payment operations from a single, integrated platform
  • Improved working capital with faster, more efficient receivables
  • Actionable data visibility to strengthen reconciliation and control
  • Reduced cost and complexity through receivables modernization
  • Scalable integrations that future-proof your payments ecosystem

Enterprise-grade payment acceptance built to scale—integrating settlement, controls, and reporting into a broader banking relationship that supports rapid growth with less operational friction.

  • Omnichannel acceptance with enterprise-grade controls
  • Faster time to scale through simplified integrations and platform readiness
  • Enhanced financial visibility with streamlined reconciliation and reporting
  • Optimized cost performance with interchange expertise
  • Integrated settlement aligned to treasury and DDA for improved cash management

Reliable, enterprise-grade payments with consolidated reporting, flexible POS, and unified support—built to protect the customer experience and drive efficient, multi-location growth.

  • Unified receivables visibility to deliver insights and decisioning
  • Stronger economics through relationship pricing and enterprise alignment
  • Certified integrations with leading retail POS systems
  • End-to-end POS and business solutions to power payments and streamline operations
  • Scalable infrastructure to support growth and evolving customer experiences

Enterprise-grade payment acceptance, reporting, and unified support—paired with POS and end-to-end management designed for multi-location operators to lower the cost of acceptance and scale efficiently.

  • Unified receivables visibility to deliver insights and decisioning
  • Stronger economics through relationship pricing and enterprise alignment
  • Certified integrations with leading restaurant POS systems
  • End-to-end POS and business solutions to power payments and streamline operations
  • Scalable infrastructure to support growth and evolving customer experiences

A simple, compliant way to transform collections—combining card and ACH in a hosted solution that accelerates cash flow, reduces friction, and strengthens governance and control.

  • Rapid deployment that minimizes client technology lift and accelerates value
  • Expanded payment capabilities across debt repayment, recurring billing, and digital self-service
  • Strengthened governance with audit-ready reporting and controls
  • Optimized cash management through integrated settlement and liquidity
  • Bank-grade reliability and risk management to deliver confidence

Improved patient collections and payment experience—combining enterprise bill presentment with omnichannel acceptance to simplify reconciliation, accelerate cash flow, and support operating deposits.

  • Accelerated patient payments through enterprise billing and digital presentment
  • Seamless, omnichannel acceptance across online, IVR, phone, and in-office
  • Simplified integration with ISVs and patient portals to reduce friction
  • Streamlined cash flow with payments aligned directly to operating deposits
  • Trusted banking relationship backing every transaction

A simple, compliant collections solution—combining card and ACH with the ability to charge service fees and apply earnings credits to offset costs, delivered through a fully integrated, bank-led offering.

  • Seamless, omnichannel acceptance across online, IVR, phone, and in-office
  • Reliable, high-volume billing and recurring payment capabilities at scale
  • Greater control and security through a bank-led gateway model
  • Built-in compliance support for both managed and non-managed accounts
  • Integrated cash, reconciliation, and treasury alignment for end-to-end financial visibility

Simplified, optimized payment infrastructure—combining market-leading payment, billing, and virtual card solutions with the flexibility to bring your own certified gateway.

  • Reliable, high-volume billing and recurring payment capabilities at scale
  • Greater control and security through a bank-led gateway model
  • Optimized cash flow and cost efficiency across B2B payables
  • Built-in compliance support for both managed and non-managed accounts
  • Integrated cash, reconciliation, and treasury alignment for end-to-end financial visibility

Embedded card, ACH, and virtual card acceptance built for high-volume, invoice-driven organizations—designed to accelerate cash conversion and reduce cost across the full receivables cycle.

  • Optimized interchange through Level II/III data on commercial card volume
  • Faster cash conversion with automated, straight-through reconciliation
  • Reduced complexity across payables and receivables
  • ERP-native integrations aligned to your existing systems
  • Scalable infrastructure built to grow with your business

Compliant, purpose-built payment acceptance for firms that need to protect client funds, bill efficiently, and collect faster—all within a trusted banking relationship.

  • Trust and IOLTA-compliant handling to keep client funds properly separated
  • Relationship-based pricing aligned to how your firm bills and operates
  • Seamless integrations with leading practice-management platforms
  • Faster collections with frictionless client billing and reduced write-offs
  • Scalable infrastructure that grows with your firm

A unified payment infrastructure for owners and operators—connecting rent collection, tenant billing, and reporting to improve cash flow visibility across your entire portfolio.

  • Portfolio-wide visibility for sharper insight and decisioning across properties
  • Competitive economics through relationship pricing and enterprise alignment
  • Direct integrations with leading property-management systems
  • Automated recurring billing to reduce collection friction and exceptions
  • Flexible infrastructure built to scale with acquisitions and new assets

One platform for tuition, fees, and campus commerce—giving institutions cleaner reporting, stronger system integrations, and a more consistent experience for students and staff.

  • Unified visibility across all payment flows for smarter financial decisioning
  • Institutional pricing built around relationship economics
  • Certified integrations with leading student information and ERP systems
  • Omni-channel acceptance across in-person, online, and self-service channels
  • Scalable infrastructure ready for enrollment growth and new programs
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Let’s talk about your payments strategy

We can help you streamline operations, improve payment performance, reduce risk, and meet evolving customer expectations.

Contact us

If you accept payments using equipment or a gateway that you did not receive from Wells Fargo, the online or keyed rates and fees may apply to tap, dip, and swipe transactions.

Each Clover account supports only one software plan. Clover software plans and features may vary by solution. Other fees may apply, are subject to change, and are billed directly by Clover.

Clover solutions are offered by Wells Fargo Bank, N.A., which does not provide, and is not responsible for, third-party software or applications, including those offered by Clover.

Merchant Services are provided by Wells Fargo Bank, N.A., subject to review and approval, and are not deposit products. For next business day funding you must use a Wells Fargo business or commercial deposit account.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

The Clover name and logo are registered trademarks owned by Clover Network, LLC, and are registered or used in the U.S. or many foreign countries.

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