
Unlock the full potential of your business with our merchant services. We offer innovative solutions designed to streamline your payment processing and enhance client satisfaction.2
Our services are tailored to meet the unique needs of your business, ensuring secure and reliable transactions.
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POS systems are comprehensive solutions that combine hardware and software to facilitate transactions in retail environments.
These systems manage everything from sales and inventory tracking to customer management and analytics. Advanced POS systems offer integrated payment processing, allowing businesses to accept a variety of payment methods, including credit cards, mobile payments, and gift cards.
Additionally, POS systems also include features like sales reporting, employee management, and customer relationship management (CRM) tools, which help businesses operate more efficiently.
Mobile payment solutions enable businesses to accept payments via smartphones, tablets, or dedicated mobile card readers.
These devices connect wirelessly to the internet, allowing transactions to be processed anywhere, whether at a physical store, a pop-up shop, or on the road.
Mobile payments are ideal for businesses that require flexibility and mobility, such as food trucks, market vendors, or service professionals. The technology supports various payment methods, including contactless payments (NFC), chip cards (EMV), and digital wallets (e.g., Apple Pay, Google Pay).

A payment gateway is a digital service that authorizes and processes payments for online businesses, ensuring that customer transactions are secure and seamless.
Payment gateways act as the bridge between the merchant’s website and the payment processor, encrypting sensitive information like credit card numbers to protect against fraud.
They support various payment methods, including credit/debit cards, bank transfers, and e-wallets. Gateways are essential for e-commerce businesses, as they provide the necessary infrastructure to accept and process online payments securely and efficiently.


Our Cash Discount Program lets businesses offer lower prices to customers who pay with cash, helping offset credit card processing costs. Clover automatically displays both cash and card pricing so customers clearly see their options.
When customers pay by card, Clover applies the card‑adjusted price, which includes processing fees. Cash‑paying customers receive an instant discount.
Clover’s dual‑pricing model can significantly reduce or eliminate card‑processing expenses, improve cash flow, and keep pricing transparent—especially helpful for small businesses with tight margins.
Payment terminals are physical devices that enable merchants to accept card payments at the point of sale.
EMV-ready terminals are equipped with the latest technology to process chip-enabled credit and debit cards, providing enhanced security compared to traditional magnetic stripe cards. These terminals can connect to payment processors through various methods, including dial-up, Ethernet, or wireless connections.
They are essential for brick-and-mortar businesses, ensuring quick and secure transactions while minimizing the risk of fraud.

Take the first step towards optimizing your payment processing. Contact our Treasury Management Sales team to find out how we can help your business grow.
1Subject to business and credit approval.
2City National Bank of Florida (CNBFL) Merchant Solutions are provided by Fiserv First Service (Clover). CNBFL and Clover are separate legal entities. All services provided by Clover are subject to applicable terms and conditions and may require credit approval. Restrictions and qualifications may apply. Consult a Clover representative for more information. CNBFL makes no representations or warranties regarding Clover services and does not accept responsibility for any acts or omissions by Clover. CNBFL may receive compensation from Clover for approved accounts and other items.

The FDIC Money Smart Program is designed to boost your financial skills. You can explore Money Smart resources, as they are available 24/7.
These tools are free of charge and available for all, so remember to share the tools with your family and friends.
Explore The FDIC Money Smart Program
Please note: City National Bank of Florida does not offer tax, legal or accounting advice