Payment solutions for every business need

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Accepting credit cards doesn't have to be expensive

Our program offers highly competitive rates, personalized customer service and the latest technology to help your business thrive. No upsells, no expensive extras and no unnecessary features. We'll simply make sure you’re using the best possible processing option at the best available pricing. And our industry-leading customer service team is always just a phone call away.

Everything You Need

From beginning to end, we handle everything in one place. Account origination, training, supplies, equipment, reporting and service — all from your financial partner.

Low processing rates

We'll offer the lowest possible rates for your business type and won't overwhelm you with extra fees.


Unlike most providers, we don't lock you into a lengthy agreement with a huge cancellation fee. If you can find a better processing option, leave any time.


Everybody says they offer great customer service. We actually do. No matter the issue, our service team is available to help.

in-depth reporting

Secure, web-hosted reporting allows you to monitor your business from anywhere at any time.


From terminals to mobile solutions to POS systems to fully integrated software applications, we're always ready with the latest technology to put your business over the top.

Business Management & Payment Solutions

Not all transactions take place at a sales counter. Our most powerful payment tools provide the capability to conduct business anywhere — online, in the back office, over the phone or even in person. But payments are just the beginning. Aside from serving as a virtual terminal, these fully-featured systems provide a host of integrated tools designed to serve as the hub of your business — keeping you informed, running efficiently and ready to take your business to the next level.

Paya Connect

Paya Connect is an all-in-one virtual payment solution, providing you with a single, secure platform to accept credit and debit, ACH, EFT and FSA. Built for multi-location businesses and recurring-payment transactions, the Paya Vault securely stores customer card data — in accordance with industry standards — to allow for easy repeat billing. Additionally, Paya Connect comes complete with built-in invoicing tools and Level 3 processing capabilities, making this the most important component of your back office.


A full suite of back office and custom payment management tools

See a few of Paya Connect's key features in action, including the simple process of running transactions.


Set up automatic recurring payments for repeat customers

Watch how quickly you can add repeat billings — set it once, and you won't have to worry about it again.

Learn More About Paya Connect


MX™ Merchant

MX™ Merchant is a powerful payment and business management platform that effectively manages all critical aspects of your day-to-day operation. This cloud-based solution can process payments anywhere – including credit cards, cash and/or checks — and a robust set of reporting and monitoring options allow you to view daily payments in real-time, break down historical data or view deposits, settlements, chargebacks, billing and monthly merchant statements.

MX™ Merchant scales to your needs by providing paid access to add-on apps, which allow you to customize the MX™ experience and create the perfect business management solution.


Accept payments, manage billing, track sales and engage customers

More than a payment-processing tool, MX™ Merchant is an entire payments ecosystem custom-built to your needs.

Explore the MX™ Ecosystem

Learn More About MX™ Merchant



The Virtual Terminal from SwipeSimple is a modern, easy-to-use payment solution for small businesses, letting you run transactions, send and receive invoices and more — with just a web browser.

With time-saving functionality like cloud-based inventory, item tracking, real-time transaction history, tax reporting, the ability to set up recurring payments and compatibility with a variety of smart terminal devices, the SwipeSimple Virtual Terminal makes it easier to run your business right from your computer.


Easy payment acceptance right at your computer

Get a quick 2-minute rundown of the capabilities of the SwipeSimple Virtual Terminal.

Learn More About SwipeSimple VT

Retail POS & Mobile Payments

The future of payments is here with devices that do way more than just process a payment. Fully customizable and fully integrated, smart POS systems provide an enhanced transaction experience — including customer-facing touch screens, contactless payments and pay-at-table options. But they do so much more to help you efficiently manage your business, including inventory tracking, customer engagement campaigns and HR applications. Add in the "always-on" connectivity of modern smartphones, and there are no limits to where you can do business.

Clover Station Duo

The ultimate point-of-sale bundle, the Clover Station Duo is ready to go right out of the box. Featuring a 14" HD merchant-facing screen and a 7" customer-facing smart terminal, this all-in-one package also includes a high speed receipt printer.

The Clover Station Duo is the perfect POS package for any setting — retail or restaurant — and connects to other Clover hardware to add even more functionality. And with access to best-in-class apps and back office functions like inventory management, the Clover Station Duo is the center of any business operation.


A powerful point of sale for both sides of the counter

The all-in-one POS for faster service at the counter. How can the Clover Station Duo make your business smarter, faster and more efficient?

Learn More About Clover Station Duo


Clover Station Solo

With a large display, the versatility to accept a number of payment types, the power to organize inventory, manage team activities and the flexibility to create custom functions with Clover family add-ons, the Clover Station Solo is the ultimate POS tool to get your business running.


A point of sale system designed to make things easy

Merchants of all sizes use the Clover Station Solo to get their businesses running and keep them running smoothly

Learn More About Clover Station Solo


Clover Flex

The most flexible POS device on the market. With built-in Wi-Fi and LTE connectivity, the Flex is fully-featured enough to serve as a standalone system. Or, add the Flex to other Clover components to realize their full potential, including pay-at-table capability.


Take your POS Station beyond the counter

Checkout is wherever you want it to be — tableside, on the sales floor, out on the road...or anywhere else you can dream up.

Learn More About Clover Flex


Clover Mini

Small enough to fit into any space, the Clover Mini still packs plenty of POS power to run your business. The Mini is the perfect option for allowing quick service or small retail locations to benefit from the same business management features as larger POS customers. And, as part of the Clover ecosystem, the Mini will easily grow with your business.


A full point of sale system in a small package

Small enough to fit into any space, the Clover Mini packs plenty of POS power to run your full house, front to back

Learn More About Clover Mini


Mobile Payments

Add a mobile component to your merchant account and take your business anywhere. Securely process any payment using just about any smartphone or tablet. Perfect for organizations with distributed employees or those that aren't tied to a specific retail location. Available for both iOS and Android.


Accept payments anywhere, any time

The best payment terminal is the one you already have in your pocket. Utilize the power and security of your own smartphone to process payments and conduct business anywhere.

Learn More About Mobile Payments

Next-Generation Terminals

Don't be fooled by their appearance — the new generation of terminals bear little resemblance to their predecessors when it comes to speed, versatility and integration capabilities. Vibrant customer-facing screens, seamless communication with back-office systems and wireless connectivity are just some of the standard features merchants can expect from the latest payment acceptance devices.


The Desk/3500 is the first step into the new world of smart payment acceptance. Compact, fast, secure and powerful, the Desk/3500 can handle whatever payment is thrown at it and features a variety of connectivity options. And when utilizing the MX Merchant platform, the Desk/3500 will provide instant, real-time reporting directly to your back office system.

Learn More About the Ingenico Desk/3500



Sales are no longer constrained to traditional checkout lines. The Move/5000 provides all the capabilities of a Desk series device but with the freedom of Bluetooth and optional 4G/LTE connectivity, allowing payments to be accepted on the move. A great option for pay-at-table venues, the Move/5000 also includes a full-color touchscreen with video capability to enhance the customer check-out experience.

Learn More About the Ingenico Move/5000



Designed for retailers using the Paya Connect platform for back-office business management, the Ingenico Lane/3000 is a fast and secure solution that covers all payment methods and provides an integrated retail option without hand-keying.

Learn More About the Ingenico Lane/3000

Additional Payment Products & Services


Software Integration

Just because you're using industry-specific or custom software doesn't mean you're stuck with high processing rates. In many cases, our merchant account can be integrated into third-party software applications. Let us determine if our solution will work for you.

Find out if we can integrate with your software


Website Development

Eighty percent of consumers do online research before making a purchase decision, so your business is practically invisible if it doesn’t have a web presence. Websites do more than sell products, they lend credibility, build your brand and let you quickly and efficiently disseminate information to your customers.

Many business owners struggle with the cost, time or technical expertise needed to build an effective website. But it doesn’t have to be that way.

We’ll provide you with a web development expert, who will learn about your company and your web needs, then create a professional, easy-to-navigate personalized website that will help grow your business. You’ll also get a custom domain to serve as your online home — or we’ll transfer your existing URL. And, of course, we’ll provide a fully-integrated and secure payment processing account so that e-commerce is a breeze. Best of all, this can all be done quickly, easily and without breaking the bank.

Learn More About Website Development


Municipal Invoicing

A simple and effective method for municipalities to deliver invoices and collect payments online (including convenience fees).

Learn More About Municipal Invoicing


Donation Management

Nonprofits can manage online fundraising programs by accepting one-time and recurring donations, membership dues and registrations.

Learn More About Donation Management


Gift/Loyalty Cards

An affordable, turnkey program to reinforce your brand. Includes four-color printing, custom branding and multiple program types to provide the ultimate in flexibility.

Learn More About Gift & Loyalty Cards


Check Services

Process check payments as easily and safely as credit cards with check guarantee and conversion services. No bounced checks, no NSF fees and no physical deposits.

Learn More About Check Services

Contact Sherwood State Bank TODAY for more information and your FREE cost/savings analysis!





Payment processing services are provided through a partnership with FiNet, a registered ISO/MSP of BMO Harris Bank NA.

© 2023 FiNet, Inc.