Merchant Services
Say Hello to Clover®
Streamline your business operations with Clover. The Clover point-of-sale (POS) system1 offers payment processing and business management solutions customized for your business.
Clover Station Duo
Clover Station Duo is a fast and powerful POS system with a second screen that lets customers initiate payment and view the transaction. It is designed for speed, security and engagement with a screen for you and a screen for the customer
- Includes 14-inch HD display for you and a 8-inch touch screen for your guests
- Allow customers to confirm their order, view discounts and item level taxes, leave a tip, redeem rewards, pay, and request a digital receipt
- Attractive and easy-to-use hardware with a printer and included cash drawer and all the right software in one system
Clover Station Solo
Accept payments and run your business with a flexible all-in-one POS system. Station Solo offers the solutions you need to process customer payments, print receipts, track sales, monitor inventory, and more.
- Powerful, all-in-on merchant POS system with a 14-inch high-definition touch screen and receipt printer
- Integrated camera, barcode scanner, and credit card reader for swipe and dip transactions
- Pair with optional cash drawer to build a system to meet your business needs
Clover Mini
Enjoy less clutter and more productivity. Clover Mini is a complete point-of-sale system with everything you need at your fingertips. Customize your device with best-in-class apps to help you run your business more efficiently.
- Full-scale POS functionality in a compact package
- Bright, durable 8-inch screen, built-in printer, and Wi-Fi connectivity to send receipts by email or text
- Process orders, track inventory, create menu items, and offer a loyalty program
Clover Flex
Power in the palm of your hand–at the counter, at the table, or on the go. This wireless handheld portable device is packed with all the features of a full POS system, terminal, and business management system.
- Built-in camera, printer, and barcode scanner
- Accept all major payment types wherever you do business including swipe, dip, and contactless payments
- Cloud based so you can access and manage your back-of-house data, inventory, reports and payroll from anywhere
Clover Compact
A simple card payment solution. The Clover Compact desktop terminal ensures smooth transactions and hassle-free processing with several connectivity options including WiFi, Ethernet, and LTE.
- Accept contactless, chip, swipe, and debit PIN payments
- Bright 3.6-inch payment touchscreen with built-in receipt printer and surcharging program options
- Add an optional swivel stand or PIN shield to your terminal to create a custom system to fit your needs
Clover Go
Take your business everywhere. Securely accept payments, track sales, and run your business on your iOS or Android mobile devices. Get the power of a POS anywhere you have Wi-Fi or a cellular internet connection.
- Accept chip, dip, and contactless payments including tap-to-pay on Apple Pay®, Google Pay®, and Samsung Pay®
- Pair the convenient mobile application with an optional card reader and dock to take payments on the go
- Send paperless receipts by email or text
Clover Dashboard
Included with all Clover devices, the Clover Dashboard gives you access to your business 24-hours a day. All your data, all your info, always at your fingertips from the convenience of your laptop, smartphone, or tablet.
- Track sales, run reports to monitor team performance, manage schedules and timesheets, set permissions, and more
- Assign categories, labels, modifiers and variants to keep your inventory current and organized
- Cloud based so you can immediately sync information from your Dashboard to your Clover devices
Interested in Learning More?
Complete our convenient contact form, and a member of our Business Solutions team will be in touch to discuss Clover solutions for your business.
We Offer Other Solutions, Too
Our goal is to help businesses simplify their day-to-day operations by offering a comprehensive lineup of secure merchant services solutions.1 While you’re focused on your customers, we’re focused on you.
Ingenico Card Terminal
Utilize a payment terminal to accept card-present transactions.
- Accepts contactless cards, Apple Pay®, Google Pay®, Samsung Pay®
- Ethernet, phone, or Wi-Fi connectivity options
- Surcharging available
Virtual Terminal
Accept payments right from your web browser..
- Accept payments from your computer with your card on file or keyed entry.
- Send, collect, and manage invoices via email or text.
- Get paid anywhere online with a secure payment link
Authorize.net
Connect your point of sale system to roynat capitol bank as your processor.
- Accept online payments securely through your website
- Automatically deposit payments into your bank account.
- Get real-time online reporting and fraud prevention tools
We’re Here to Support Your Success
Your bank should be an ally in helping you reach your goals. That’s why we offer 24/7 support and no required contract term length for our merchant services. We’ll be here for all of your questions, day or night, providing the knowledge and help you need for your business. We also ensure your funds will be available the next business day. Security, ease, and service you can count on — that’s what you get with roynat capitol bank by your side
Frequently Asked Questions
Our fees debit monthly, the 20th of the following month. Once converted to the new merchant platform, fees will debit the 3rd business day of the following month
Please contact your local branch to get in touch with a Business Solutions officer. We will create a personalized proposal based on your merchant needs.
As a result of a legal settlement to resolve claims brought by a group of U.S. merchants, merchants in the U.S. and U.S. territories may add a surcharge to certain credit card transactions. Merchants who choose to surcharge must follow consumer disclosure and other requirements agreed to as part of the settlement.
U.S. merchants that intend to surcharge are required to:
- Provide written notice to roynat capitol bank Merchant Services with your intent to surcharge at least 30 days in advance of beginning to surcharge.
- Limit surcharging to credit cards only (no surcharging debit and prepaid cards) and limit the amount to your merchant discount rate for the applicable credit card surcharged. Allowed discount rate can be no more than 3% and should not exceed the merchants set discount rate.
- Disclose the surcharge as a merchant fee and clearly alert consumers to the practice at the point of sale – both in store and online – and on every receipt.
Merchants should also consider whether they comply with all applicable state and/or federal laws. Currently, several states have laws that prohibit surcharging. As of April 15, 2023, they are: Connecticut, Maine, Massachusetts, and Oklahoma. Note also that Merchants located in Colorado may not surcharge more than 2% as per State law.
To learn more about payment card surcharge, please call 1-855-547-1385 and select option 5.
Please call our Business Solutions department at 1-855-547-1385 and select option 5.
A payment card surcharge, also known as a checkout fee, is an additional fee that a merchant adds to a consumer’s bill when he or she uses a card for payment. Please note that the ability to surcharge only applies to credit card purchases, and only under certain conditions. U.S. merchants cannot surcharge debit card or prepaid card purchases.
Deposits made Monday through Thursday before 5:00 p.m. and Friday before 6:00 p.m. Eastern Time will be available the same business day. Mobile deposits made before 5:00 p.m. Eastern will be available the same day. Deposits are subject to verification and any applicable holds. Weekends and holidays do not apply.
You can get a copy of a check using Online Banking or by contacting your local branch.
If you suspect fraud on your account, please contact your local branch immediately. You may also report a lost or stolen card at (713) 712-5640
You can complete a stop payment request for a check using Online Banking, by contacting your local branch, or calling our Customer Care Center (713) 712-5640.
Deposits made Monday through Thursday before 5:00 p.m. and Friday before 6:00 p.m. Eastern Time will be available the same business day. Mobile deposits made before 5:00 p.m. Eastern will be available the same day. Deposits are subject to verification and any applicable holds. Weekends and holidays do not apply.