Merchant Services & Payment Processing
Owning a business can be demanding — from tracking inventory and supervising employees to taking orders and everything in between! That’s why First Western Bank has teamed up with Clover, the world’s smartest point-of-sale system. Clover helps simplify your operations with a payment processing system and business management solution tailored to meet the unique needs of restaurants, retailers, and service businesses.
Clover Products
Take credit cards, debit cards, gift cards, checks, cash, contactless payments with EMV® chip cards, mobile wallets, Pay by Bank, and Buy Now Pay Later.
Clover Go
Clover Compact
Clover Flex & Flex Pocket
Clover Mini
Clover Station Solo
Clover Station Duo
Clover Kiosk
Clover Kitchen Display
Clover simplifies the lives of small business owners.
What can First Western Bank and Clover do for you?
- Accept more types of payments, including EMV® chip cards, Apple Pay®, and Samsung Pay®
- Protect your customers, business, and reputation from fraud with built-in security
- Generate more visits and more sales through mobile loyalty and rewards programs
- Uncover new insights and compare sales against competition within your market
- Grow your business online and manage everything in one place
- Manage inventory, employee schedules, payroll, and more
- Turn future credit card sales into working capital with Clover Capital – no fixed payment amount, no fixed term, no interest rate
©2025 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 with First Data Merchant Services LLC. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.
Online Banking
Kassidy Olsen
Jonathan Lanser
Diane Michaelson
Frequently Asked Questions
Clover is an all-in-one point-of-sale (POS) system designed to simplify your business operations. It accepts payments, manages inventory, tracks sales, and integrates with accounting tools in one easy-to-use platform.
Whether you’re on the go, behind the counter, or running a full-service operation, Clover has a solution for you. Choose from options like Clover Go (mobile), Flex (handheld), Mini (compact countertop), or Station (full setup). Our team can help you find the best fit for your business.
With Clover, you can accept all major credit and debit cards, contactless payments such as Apple Pay® and Google Pay™, and even online or mobile transactions wherever your customers do business.
Yes. Clover systems are PCI compliant and use end-to-end encryption and tokenization to keep cardholder information safe. You can have peace of mind knowing every transaction is protected.
Yes. Clover integrates with popular platforms like QuickBooks®, making it simple to manage your books and reporting.
Flex is an all-in-one handheld mobile device with built-in capabilities to help you serve your customers better — whether at the counter, at the table, or on-the-go. Flex has the ability to scale up to a full point-of-sale, accepts virtually all payment types, and gives you the flexibility to take orders, provide receipts, and accept payments away from the counter with its WiFi connectivity.
Mini is our compact countertop model that has the ability to scale up to full point-of-sale functionality and accept virtually all payment types. With an ample touch screen and built-in printer, it’s an all-in-one solution. Both Flex and Mini can also help you grow your business with access to specialized apps from the Clover App Market.
Clover supports a wide array of payment options to cater to diverse customer preferences, which include:
Credit and debit cards: Accept most major credit and debit cards, such as Visa, Mastercard, American Express, and Discover.
Mobile payments: Enable popular mobile wallet options, such as Apple Pay® and Google Wallet™ for quick, contactless transactions.
EMV chip cards:Help safeguard transactions with chip card technology, reducing the risk of fraud.
Contactless payments: Allow customers to pay by simply tapping their cards or waving devices over the terminal.
Gift cards: Process and redeem gift cards easily, enhancing customer engagement and loyalty.
Cash transactions: Take traditional cash payments, too.
Clover’s versatility in payment processing helps ensure you can accommodate your customers’ preferred payment methods seamlessly.
Transmission: When a customer makes a purchase, their payment details are encrypted and transmitted to the payment processor who sends it to the card network.
Authorization:The customer’s card-issuing bank verifies the customer’s information and checks if they have sufficient funds or available credit to complete the transaction.
Notification: The consumer’s bank sends a notification back to the processor and the merchant informing them if the transaction is approved or declined.
Completion: If approved, the merchant completes the transaction by issuing a receipt. For eCommerce orders, the consumer receives a receipt and order confirmation.
Settlement: The processor’s acquiring bank collects the funds from the consumer’s card-issuing bank. These funds are then deposited into the merchant’s bank account, less fees, within 1-3 business days depending on the card network involved.