The stack
Built layer by layer, connected.
Layer 01 of 06
Clover POS
Take orders and payments, track inventory, manage your team and know your customers, all in one connected system.
- Orders & payments
- Inventory
- Team management
- Customer relationships
Layer 02 of 06
Interchange Plus pricing
Card-network interchange is passed through transparently, with one clear Provident margin on top.
- Interchange
- Passed through
- Provident margin
- One clear line
- Lease fees
- $0
- Early termination fees
- $0
Layer 03 of 06
Secure processing
EMV and PCI-DSS compliant equipment, with PCI-certified point-to-point encryption (P2PE) on the card data.
- EMV
- PCI-DSS compliant equipment
- PCI-certified P2PE
Layer 04 of 06
Loyalty & gift cards
An extensive loyalty and gift card program that gives customers a reason to return.
- Loyalty program
- Gift cards
Layer 05 of 06
Provident Payroll
Full-service payroll, part of the same Provident relationship as your payments.
- Full-service payroll
- One relationship
One Provident relationship
See how payments, pricing, protection, payroll, loyalty, and personal support work through one relationship.
Business context
Updates every example
Clover POS
Active layer · 1 of 6
Your counter
Clover POS brings orders and payments, inventory, team management and customer relationships into one connected system.
For a restaurant business
Orders from the table, the bar and the kitchen line all land in the same system.
- Orders & payments
- Inventory
- Team management
- Customer relationships
Transparent pricing
Active layer · 2 of 6
Interchange Plus pricing
Card-network interchange is passed through transparently, plus one clear Provident margin.
For a restaurant business
Every card at the table follows the same clear structure: interchange, plus one margin.
- No lease fees
- No early termination fees
- One clear margin
EMV, PCI-DSS, P2PE
Active layer · 3 of 6
Secure processing
EMV and PCI-DSS compliant equipment, with PCI-certified point-to-point encryption (P2PE) protecting card data.
For a restaurant business
Guests tap or dip at the table on equipment built to PCI-DSS standards.
- EMV
- PCI-DSS compliant equipment
- PCI-certified P2PE
Reasons to return
Active layer · 4 of 6
Loyalty & gift cards
An extensive loyalty and gift card program that gives customers a reason to come back.
For a restaurant business
Regulars earn rewards at the table-side tap.
- Extensive loyalty program
- Gift cards
Full-service payroll
Active layer · 5 of 6
Provident Payroll
Full-service payroll from the same partner that runs your payments.
For a restaurant business
Servers and the kitchen crew are paid by the partner that runs your register.
- Full-service payroll
- Same partner as your payments
Local, for life
Active layer · 6 of 6
Personal service
A dedicated local relationship manager for the life of the account, backed by 24/7 processor support.
For a restaurant business
Your manager knows your dinner rush, and support is there whenever you are open.
- Dedicated local manager
- 24/7 processor support
34 people across 8 statesCall (800) 989-1139
Meet the teamONE PROVIDENT RELATIONSHIP
Practical payment tools, direct answers, and a team that knows your business.
CAPABILITY · 01
Start with the transaction.
Build the payment foundation around how and where your customers actually pay.
- 01
Payment processing
Accept card payments with equipment selected for the way your business sells.
- 02
Interchange Plus pricing
See how the pricing structure relates to the interchange your business actually uses.
- 03
Secure equipment
Use EMV, PCI-DSS compliant equipment and P2PE technology to help protect card data.
CAPABILITY · 02
Support the work behind every sale.
Connect checkout with the practical tools that help your team run the business.
- 01
Clover POS
Bring orders, payments, inventory, team management, and customer tools into one system.
- 02
Loyalty and gift cards
Give customers practical reasons to return with connected loyalty and gift card options.
- 03
Provident Payroll
Support day-to-day business needs with a robust, full-service payroll solution.
CAPABILITY · 03
Keep a real person involved.
Pair modern payment technology with direct support from people who understand the account.
- 01
Dedicated relationship manager
Work directly with a local Provident contact who stays with your business.
- 02
Direct Provident support
Get clear help with your account, equipment, and services from a team that knows the context.
- 03
24/7 processor support
Keep round-the-clock processor support alongside your direct Provident relationship.
A day at your counter
A day at your counter, covered.
Follow one day at an independent business, and the layer working behind each moment.
01 / Open
- 7:00AM
- Clover POS
The doors open and the whole system wakes up.
Orders, payments, inventory and your team run in one connected Clover system.
- Inventory synced
- Team clocked in
- Orders and payments together
02 / Lunch rush
- 12:15PM
- Secure processing
The rush hits and every card stays protected.
EMV and PCI-DSS compliant equipment and PCI-certified P2PE protect card data from the first tap.
- EMV chip and tap
- PCI-certified P2PE
- PCI-DSS compliant equipment
03 / A regular returns
- 3:40PM
- Loyalty & gift cards
A regular walks back in.
An extensive loyalty and gift card program gives customers a reason to return.
- Loyalty rewards
- Gift cards
04 / Close out
- 9:30PM
- Interchange Plus pricing
The day closes and every line is in plain sight.
Interchange is passed through transparently, with one clear Provident margin.
- Interchange passed through
- One clear margin
- No lease or early termination fees
05 / Payday
- Fri
- Provident Payroll
Friday, and your team gets paid.
Provident Payroll is full-service payroll from the same partner that runs your payments.
- Full-service payroll
- One partner for payments and payroll
01 / Open
- 7:00AM
- Clover POS
The lights come on and everything already talks.
Clover keeps orders, payments, inventory, team and customers in one connected system.
- Inventory synced
- Team clocked in
- Customer relationships
02 / Midday rush
- 12:15PM
- Secure processing
A line at the register and every card stays protected.
EMV and PCI-DSS compliant equipment and PCI-certified P2PE protect card data from the first tap.
- EMV chip and tap
- PCI-certified P2PE
- PCI-DSS compliant equipment
03 / A regular returns
- 3:40PM
- Loyalty & gift cards
A familiar face comes back for more.
An extensive loyalty and gift card program gives customers a reason to return.
- Loyalty rewards
- Gift cards
04 / Close out
- 9:30PM
- Interchange Plus pricing
The day closes and every line is in plain sight.
Interchange is passed through transparently, with one clear Provident margin.
- Interchange passed through
- One clear margin
- No lease or early termination fees
05 / Payday
- Fri
- Provident Payroll
Friday, and your team gets paid.
Provident Payroll is full-service payroll from the same partner that runs your payments.
- Full-service payroll
- One partner for payments and payroll
01 / Set up
- 7:00AM
- Clover POS
Park anywhere. Your whole business comes along.
Orders, payments, inventory and your team stay in one Clover system, wherever you set up.
- Orders and payments
- Inventory synced
- Team clocked in
02 / Lunch rush
- 12:15PM
- Secure processing
A line at the window and every card stays protected.
EMV and PCI-DSS compliant equipment and PCI-certified P2PE protect card data from the first tap.
- EMV chip and tap
- PCI-certified P2PE
- PCI-DSS compliant equipment
03 / A regular returns
- 3:40PM
- Loyalty & gift cards
The same face, back at the window.
An extensive loyalty and gift card program gives customers a reason to return.
- Loyalty rewards
- Gift cards
04 / Close out
- 9:30PM
- Interchange Plus pricing
The day closes and every line is in plain sight.
Interchange is passed through transparently, with one clear Provident margin.
- Interchange passed through
- One clear margin
- No lease or early termination fees
05 / Payday
- Fri
- Provident Payroll
Friday, and your team gets paid.
Provident Payroll is full-service payroll from the same partner that runs your payments.
- Full-service payroll
- One partner for payments and payroll
Always on
One relationship behind all of it.
Six layers, one local team. Tell us about your business and we will show you how they fit.
- 34 people
- across 8 states
- 24/7
- processor support
- No lease fees
- on your account
- No early termination fees
- if you ever leave
The layers are only as good as the people behind them, so every account starts with a conversation and stays with one.