Run your business

smarter, faster, easier

Our Business Management Services set your business up for success
by making it easy to increase sales, save time, and add security.
 
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Accept Payments Easily with CloverStations*

Run your point-of-sale more smoothly.

Clover® accepts most payment types – credit, check, cash, debit, gift card, chip card, touchless payments such as Apple Pay® and more.

Increase Security &
Reduce Fraud

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Check Positive Pay

Protect the checks your business issues. Check Positive Pay verifies issued checks against your records to detect and prevent unauthorized or altered payments before they are processed.

Log in to Business Online and instantly make a “pay/no pay”
decision so you can reject unauthorized payments before
incurring loss.

Get Started
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ACH Positive Pay

Guard against unauthorized ACH transactions.

You can even set up an ACH filter and Block to automatically block and return transactions that do not meet your filter criteria.

Get Started

Courier Cash Service²

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Collect cash & checks

Our secure transport vehicles
collect and deliver cash and
checks daily across stores and
banks.
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Cash Center

After pickup, transport
vehicles securely transport your deposits to our cash center.
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Scanned, Counted, Recorded

In the cash center your cash is
scanned, counted, recorded,
and added to your balance
report.
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Processed, And Settled

Then, cash value is reported to
the bank and the dollar value is
added to your account.
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Who can apply?

We encourage anyone in our community to apply. Every application is reviewed on its own merits. Here is what we typically look for:
  • 18 years of age or older
  • Valid government-issued photo ID
  • Proof of income or employment
  • Social Security Number or ITIN
  • U.S. residential address
Not sure if you qualify? Talk to us. We look at the full picture. And if a personal loan isn't the right fit today, we will help you find a path forward.

Manage Your Receivables

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Ponce Payroll Services

Streamline your Payroll Services. Pay your employees directly and conveniently with Direct Deposit.
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E-Checks

Send checks at the speed of email. No more wondering 
when or if the payment will arrive.
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ACH Origination

Streamline your payments. Schedule payments in advance, and easily manage recurring payments.
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Wire Transfer¹

Send money fast through Online Banking.

Manage Your Payables

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Remote Deposit Capture

Streamline the check settlement process by depositing 
checks directly from your location.
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Merchant Credit Card Services

Accept Payments Easily with Clover® Stations.
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Mobile Check Deposit

Take a photo of your check and deposit into your account 
using your smart phone.
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ACH Origination

ACH Originations allow businesses to electronically send payments—such as payroll, vendor payments, and customer debits—directly between bank accounts through the secure Automated Clearing House network.

Are you ready to take the reins
and secure your financial future?

Our Financial Mastery Series is not just about managing your money; it is about
unlocking your full potential and achieving your dreams!

First Time Homebuyer

First Time Homebuyer

Gain the knowledge and confidence to navigate the exciting yet complex journey of purchasing your first home.
Small Business Bootcamp

Small Business Bootcamp

A comprehensive program designed by Ponce Bank to assist small business owners and aspiring entrepreneurs looking to start their businesses.
Non-Profit Grassroots

E-Checks

A valuable resource that assists local nonprofits in developing skills, maximizing impact, and growing capacity.

*Services offered by a Third Party Provider.

1 Restriction on international transactions. Ask us for details. Bank rules and regulations apply. See business schedule of fees for details.

2  Required armored courier service. Services offered through a third- party vendor. Separate courier fees may apply. Ask us for details.

©2026 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.

Apple, the Apple logo, and the App Store are trademarks of Apple Inc., registered in the U.S. and other countries. Google Play and the Google Play logo are trademarks of Google LLC.

Products, services, terms and conditions subject to change without notice. Services offered through a third party vendor. This service does not constitute legal advice; please consult a legal advisor.