Merchant Services for Small Businesses
Accept card payments to increase sales, expand your customer base, and shorten the time it takes to get paid.
Open a new Midland payment processing account by November 30, 2025, and choose your device — Clover Compact, Clover Flex, or Clover Mini. Receive up to six months of $50 monthly checking statement credits, for a total of up to $300. Enjoy secure, flexible payment solutions with no long-term commitment required.*
Seamless in-store payment solutions with secure credit card terminals for small businesses, supporting chip, swipe, and contactless transactions—ideal for businesses just starting out or established retailers upgrading their systems.
Take payments anywhere with the best card reader for small businesses, perfect for startups on the go, service-based businesses, or established brands expanding into mobile sales.
Power your e-commerce store or streamline remote transactions with secure credit card payment processing for small businesses, designed for new ventures and growing businesses alike.
Reduce fraud risks and simplify transactions with electronic check acceptance and ACH processing—whether you're a startup managing cash flow or a long-standing business optimizing payment methods.
Enhance customer retention at any stage of your business with customized gift card and loyalty solutions designed to attract new customers and keep them coming back.
Answer a few quick questions about your payment processing needs. Your insights will help us connect you with the best solutions to support your business.
Tap, Dip, Swipe
Accept EMV® chip and signature, mag stripe, and contactless payments like
Apple Pay® with optional NFC printer.
Faster Than Ever
8‑core, state‑of‑the‑art Qualcomm® Snapdragon™ processor
and 4GB memory to run your apps and business faster.
Safe and Secure
End‑to‑end encryption and data tokenization to help protect your customers and business from fraud.
Tools to Help You Grow
Access sales trends, customer insights, and reporting features to better manage and grow your business.
Designed for Speed
Process payments quickly to keep lines moving and customers happy.
Multiple Ways to Pay
Accept chip cards, contactless payments, and mobile wallets with ease.
Reliable Connectivity
Supports dial-up, internet, or Wi-Fi connections to fit your business setup.
Enhanced Security
Encryption and compliance features help protect transactions from fraud.
One size doesn’t fit all, which is why we design flexible payment solutions to meet the unique needs of every industry. Explore below to discover how we can power your success in yours.
Our team of dedicated professionals are here to support you.
*Promotional offer is available to new or existing Midland customers with the purchase or enrollment in the Shield Program for a Clover Compact, Clover Flex, or Clover Mini. Offer may not be combined with any other Merchant Services promotions or incentives. No multi-year commitment required.
To qualify, you must:
• Purchase or enroll in the Shield Program for a Clover Compact, Clover Flex, or Clover Mini between August 25, 2025, and November 30, 2025.
• Open and be approved for a new Midland States Bank Merchant Account by November 30, 2025.
• Begin actively accepting and settling card payments by December 31, 2025.
• Deposit your merchant processing funds into an eligible Midland States Bank business checking account.
• Keep the approved account in an open status and be actively accepting and settling card payments at the time the statement credit is issued.
Eligible customers will receive a $50 monthly DDA statement credit for up to six (6) months, totaling a maximum of $300. The promotional credit is based on total account fees and charges billed during the initial six (6) months following new account opening, excluding equipment, chargebacks, and adjustments for each respective month.
For example, a new merchant account opened and approved on September 15, 2025, will begin qualifying for credits after successfully onboarding and settling card payments. The credit will appear on the next DDA statement. i.e., If the first payment was posted in October, the last credit would be posted in March. If the merchant account closes or if the merchant proceeds transition to another bank or account, the credits will terminate at that time.
Midland States Bank reserves the right, in its sole discretion, to modify, suspend, or terminate the promotion at any time.
Midland States Bank is a registered Independent Sales Organization of Wells Fargo Bank, N.A., Concord, CA.
View Merchant Services terms and conditions.
The Clover name and logo are owned by Clover Network, LLC a wholly owned subsidiary of First Data corporation, and are registered or used in the U.S. and many foreign countries.