Running a business means juggling a lot at once. How you accept payments is only one piece of the puzzle. Today’s businesses also need better insight into sales, more flexibility in how customers pay, and tools that make daily operations easier, not harder.
That’s where Clover comes in.
At Heartland Credit Union, we offer Clover point‑of‑sale and payment solutions to help our business members simplify payments, manage their business in one place, and scale as they grow.
The big picture: payments are just the beginning
At a glance, Clover may look like a traditional point‑of‑sale system. But it’s more than that.
Clover is an all‑in‑one business management platform designed to work across industries, from restaurants and retail to professional services and growing online businesses. It allows businesses to accept payments virtually anywhere, track performance, and manage operations using a single, easy‑to‑access dashboard.
Whether a business needs a full in‑store POS system or a flexible way to take payments online or over the phone, Clover adapts to how that business operates today and how it may grow tomorrow.
Why it matters: flexibility, visibility, and control
Payment preferences are no longer one‑size‑fits‑all. Customers expect convenience, and business owners need tools that keep up.
Clover helps meet those expectations by offering:
- Multiple ways to get paid
Accept payments in person, online, over the phone, by invoice, or on a mobile device. Businesses can even set up scheduled or recurring payments. - One place to manage the business
Sales data, reports, customer information, inventory, and employee management all live in a single dashboard that’s accessible on the web or a mobile device. - Room to grow
Businesses can start small with solutions like Clover Essentials and add devices, features, or apps as their needs change.
Instead of stitching together multiple tools, Clover brings everything together, helping business owners save time and make more informed decisions.
Built for different types of businesses
No two businesses operate the same way. Clover is designed to support a wide range of business models.
For restaurants
Restaurants move fast, and Clover keeps up. With tools like tableside ordering and payment, table mapping, menu management, and online ordering options, Clover helps streamline both front‑of‑house and back‑of‑house operations.
Restaurant owners can track what’s selling, monitor performance, and manage everything from a single dashboard. Loyalty programs and promotions also help build stronger relationships with guests and encourage repeat visits.
For professional services
Service‑based businesses benefit from flexible payment options and simplified client management. Clover makes it easy to accept payments by mobile device, email, phone, or scheduled billing intervals.
Client databases, sales tracking, and reporting tools help service providers stay organized and focused on delivering great experiences, not managing paperwork.
For online and growing businesses
Clover Essentials is ideal for businesses that operate primarily online, take payments over the phone, or are just getting started. Without requiring a traditional POS device, businesses can accept payments through a web browser, integrate payments into their website, and run everything through one dashboard.
As the business grows, Clover Essentials allows for easy expansion with mobile payment tools or POS hardware.
The HCU difference
Clover is available to Heartland Credit Union business members through our business services team. That means more than just access to technology.
It means local support, guidance on choosing the right setup, and a partner who understands your business goals. Instead of navigating payment solutions on your own, you have a trusted financial partner to help you every step of the way.
Getting started is easier than you think
Whether you’re starting a new business, upgrading your current payment system, or looking for better insight into your operations, Clover offers a flexible solution designed to grow with you.
Ready to take the next step?
Contact Heartland Credit Union to talk with our business services team and learn how Clover can support your business.
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