Frequently Asked Questions

It’s not just about low rates—it’s about getting a partner who cares. A good provider (like VMS) has experience, offers tools made for your business, keeps your data safe, supports you 24/7, and tells it like it is about fees. In our Merchante Services FAQs, that’s what we call being a true partner.

Yes! VMS works with one of the biggest, most trusted processing networks and uses encryption, tokenization, and PCI-compliant hardware—so you know your customers’ data is in safe hands. That’s a top question in our Merchant Services FAQs for a reason.

Almost certainly! Whether you’re just starting out, in retail, food service, or something else, you likely qualify. We walk you through a quick, custom approval process—totally part of our Merchant Services FAQs promise to help small businesses grow.

Payment processing fees can vary across providers, but at Velocity Merchant Services (VMS), we’re focused on keeping your costs low and your pricing crystal clear.
We use a transparent interchange-plus pricing model, which means you pay the true wholesale rate set by the card networks—plus a small, fixed markup. No hidden fees. No surprise charges. Just honest, easy-to-understand pricing.
Our mission is to help small businesses maximize their profits while giving you full visibility into every dollar you spend on processing. With VMS, you keep more of what you earn and gain a partner who puts your bottom line first.

When you open a merchant account with Velocity Merchant Services (VMS), you’ll be able to accept a full range of payment options—so your customers can pay their way.
Accepted payment types include:
All major credit and debit cards – Visa, Mastercard, Discover, American Express, and more
Mobile wallets – Apple Pay, Google Pay, Samsung Pay
EBT (Electronic Benefit Transfer) – Available for eligible businesses
Gift cards and store credit – Custom-branded or universal options
Offering flexible payment options not only improves the customer experience but also helps you capture more sales. These are not just answers—they’re in our Merchant Services FAQs library for you.

The right point-of-sale (POS) equipment depends on how your business operates. Whether you run a restaurant, retail shop, salon, or service-based business, your needs are unique—and your POS should reflect that.
At Velocity Merchant Services (VMS), we don’t offer cookie-cutter solutions. Instead, you’ll be paired with a dedicated POS specialist who will:
Learn about your daily operations and transaction flow
Recommend the best Clover POS device to match your business size, layout, and service style
Help configure and install your system, apps, and settings to match your workflow
From handheld Flex devices for curbside payments to full Clover Station Duos for high-volume counters, we make sure your hardware and software are optimized from day one. Our goal is to ensure your POS system does more than just ring up sales—it helps your business grow.

With Velocity Merchant Services (VMS), most merchants receive their funds as soon as the next business day. Deposits typically occur within 24 to 48 hours after a transaction is processed.
Exact timing may vary depending on:
Your bank’s deposit schedule
The time you batch out or close your sales for the day (processing cutoff time)
Weekends or bank holidays
We work hard to ensure fast, consistent, and reliable funding—so you can keep your cash flow steady and your business running smoothly. If you ever have questions about a deposit, our 24/7 support team is here to help.

With Velocity Merchant Services (VMS), you can start accepting payments quickly and seamlessly. We ship your payment processing equipment via next-day air, so it arrives fast—usually within 24 hours.
Once your device is delivered:
A dedicated VMS specialist will reach out immediately to walk you through setup.
We’ll help configure your system, connect apps, and make sure everything is working perfectly.
Most merchants are fully operational and accepting payments the same day the device arrives.
No delays. No confusion. Just fast, reliable setup—so your business can hit the ground running.

With Velocity Merchant Services, most merchants receive their deposits as soon as the next business day. Once you batch out for the day, funds are typically deposited into your bank account within 24 to 48 hours.
Timing can vary slightly based on:
When you close your batch (earlier batches tend to fund sooner)
Your bank’s individual processing schedule
Our fast funding helps you keep your cash flow steady and predictable, so you can focus on running your business—not waiting on payouts.

Yes—Velocity Merchant Services offers a Working Capital program designed specifically to help small business owners access fast, flexible funding without the red tape of traditional loans.
Here’s what sets it apart:
No collateral or personal guarantee required
No fixed terms or monthly payments
Repayment is based on daily credit card sales—you pay less when sales dip and more when they rise
Streamlined approval process with minimal documentation
Faster access to funds than conventional lending options
Whether you need cash for inventory, renovations, equipment, or expansion, VMS Working Capital gives you the flexibility to grow on your terms—without tying up your cash flow or credit.

A cloud-based POS system offers a smarter, more flexible way to run your business—especially when powered by VMS. Here’s why:
Access anytime, anywhere – Manage sales, inventory, employees, and reports remotely from any device with an internet connection.
Real-time synchronization – Track performance, stock levels, and transactions instantly across multiple locations or terminals.
Secure, off-site data storage – Your data is encrypted and safely stored in the cloud, so even if your device is lost or damaged, your information remains intact and protected.
Automatic updates and backups – Stay up to date without manual installs. Software improvements, security patches, and system backups happen automatically.
Scalability for growth – Add users, features, or locations without having to overhaul your system.
With a cloud-based POS from Velocity Merchant Services, you gain the agility to run your business more efficiently, securely, and from anywhere—whether you’re behind the counter or on the go.

Not difficult at all. If you can use a smartphone or tablet, you can use Clover. The system is built with a clean, intuitive interface that makes learning it quick and easy—even for first-time users.
When you sign up with Velocity Merchant Services, our team sets everything up for you and provides personal training at no extra cost. We’ll walk you through how to take payments, manage inventory, run reports, and more—so you’re never left guessing.
Even if you’re not tech-savvy, you’ll be confidently running your business with Clover in no time.

Yes! Clover integrates seamlessly with leading accounting platforms like QuickBooks and Xero. This connection automates the flow of your sales, tax, and transaction data—eliminating hours of manual entry and reducing the risk of errors.
With automatic syncing, your books stay accurate and up to date in real time, giving you clearer financial visibility and more time to focus on growing your business—not crunching numbers.

No—your rates will stay the same with Velocity Merchant Services. We believe in transparent, consistent pricing with no surprise increases or hidden fees. Once your rate is locked in, it won’t change unexpectedly—so you can plan your finances with confidence and trust that your processing costs will remain stable over time.

Yes—with a cloud-based system, you can securely access your business data anytime, from anywhere with an internet connection. Whether you’re checking sales, inventory, or employee performance, everything syncs in real time across your devices—so you can stay in control, even when you’re away from the store.

Clover updates automatically—no manual effort required. Your system stays current with the latest features, security patches, and performance improvements without interrupting your workflow. Plus, because Clover stores no sensitive cardholder data on the device itself, all transaction and business information is securely backed up in the cloud. Even in the event of a power outage or hardware loss, your data remains safe and fully recoverable.

Absolutely. At Velocity Merchant Services, we make switching simple. Our team will guide you through every step of the transition—from selecting the right Clover POS system for your business, to setting it up, configuring it to match your workflows, and transferring your existing data. We also provide personalized training for you and your staff to ensure a smooth onboarding experience. And if you ever need help, our in-house support team is available 24/7/365 to assist with anything that comes up. We’re here to make your move to Clover easy, seamless, and stress-free.

Yes. Clover has an offline mode that allows you to continue accepting payments even when your internet connection is temporarily lost. Transactions are securely stored and automatically processed once you’re back online—so your business keeps running and your customers never experience a disruption at checkout.

Yes—Velocity Merchant Services offers flexible equipment options to fit your budget and business goals. You can choose to lease your POS equipment or purchase it outright. Our Small Business Specialists will work with you to determine the best solution based on your cash flow, long-term needs, and growth plans. Whether you’re just getting started or expanding, we’ll help you find the most cost-effective path forward.

We ship your Clover device via next-day air, so it arrives fast. In most cases, you’ll receive your equipment within 1 business day of completing your order. As soon as it’s delivered, a VMS specialist will walk you through setup to get you up and running without delay.

While we don’t typically send reps onsite, our team can handle everything remotely—quickly and professionally. For over 20 years, VMS has helped thousands of business owners nationwide set up their systems entirely over the phone. From selecting the right equipment to programming, training, and ongoing support, we make the entire process simple, seamless, and personal—without ever stepping foot in your store.

Expanding your Clover setup is simple. Whether you need another terminal, a barcode scanner, a kitchen printer, or any other accessory, just contact a Small Business Specialist at VMS. We’ll help you choose the right add-ons for your business, ensure everything is fully compatible with your current system, and assist with setup so you’re ready to go without missing a beat. Merchant Services FAQs

Getting started with Velocity Merchant Services is fast, easy, and personalized to your business. You have a few convenient options:
Call us to speak directly with a Small Business Specialist who will guide you through the process and help determine the best solution for your needs.
Chat with us live using our website chatbot—we’re here to help in real time.
Submit your info using the form below, and one of our team members will contact you shortly to walk you through your options.
No matter how you reach out, we make onboarding simple—so you can start accepting payments and growing your business without delay.