Clover payment processing

When John Torres, executive director at Maryland Farm Bureau, and his team needed a quick and simple solution to accept credit card payments at their Young Farmers Dairy Bar during the Maryland State Fair, they turned to Farm Bureau Bank and Clover, a point of sale system that can be used by business owners in a variety of industries. 

Farm Bureau Bank’s merchant services provided by Clover offer a variety of solutions to help individuals manage their business. Clover allows users to accept more types of payments, protect businesses from fraud and manage merchant accounts online. Ohio Farm Bureau members who sell products directly to customers may be interested in Farm Bureau Bank’s merchant services products offerings like Clover. 

“Clover has a lot of really great apps that help with invoicing, payroll and really anything that a business would need, and it has really great hardware options,” said Andrea Kanter, Farm Bureau Bank treasury solutions manager.

Maryland Farm Bureau has worked with other vendors over the years to accept credit card payments, but as their relationship grew with Farm Bureau Bank, a decision was made to try Clover. 

“We’ve grown our relationship with Farm Bureau Bank greatly throughout the past several years,” Torres said. “Farm Bureau Bank said ‘Hey we have this merchant services provider called Clover’ and they encouraged us to check it out and we decided to see if Clover might be a better fit for what we are trying to do at the state fair.”

Clover benefits to members

State Farm Bureaus, county Farm Bureaus and Farm Bureau members with a business are eligible for discounts on transaction fees. According to Torres, that’s what made working with Clover very attractive.

“Because we do banking with Farm Bureau Bank and since that relationship between Farm Bureau Bank and Clover was already there, it was really easy to collect payment and have transactions directly deposited into our account,” he said. 

According to Torres, it worked out wonderfully.

Additionally, because Maryland Farm Bureau only uses Clover a few weeks throughout the year, there are upgrades and downgrades in service that can be made so that they are not paying for more than they need during certain times of the year.

“Now that we’re doing more business with businesses, we’re seeing a lot more referrals come through for Clover,” Kanter said.

Customer management

In addition to processing payments, Clover can also be used for customer management. Businesses can use their Clover devices to track customer information, including contact information and purchase history, that can allow users to create targeted marketing campaigns and improve customer service. Clover is flexible, user-friendly, and can be customized to meet the specific needs of each individual business.

Maryland State Fair
Maryland Farm Bureau uses Clover to process payments at their Dairy Bar at the state fair.

“From the back end, I will say it is the most user-friendly of the three or four I’ve worked in for the dairy bar in the past,” said Parker Welch, organization director for Maryland Farm Bureau. “It’s simple, self-explanatory and easy to navigate.” 

With the right tools, the Clover system can be a beneficial tool for managing all aspects of a business.

“Training is usually done in a few minutes as shifts of volunteers are changing,” Welch said. “Thankfully it only takes a few transactions for someone, whether technologically savvy or not, to learn how to use it.”

In the first year of the subscription, Maryland Farm Bureau continues to find new, unexpected ways to use the service.

“We do several fundraisers at our state annual convention,” Torres said. “People who participated in the live and silent auction were able to do so using Clover as well. So, Clover has turned out to be beneficial beyond our initial expectations.” 


Through Dec. 31, 2023, get $250 from Farm Bureau Bank when you meet one of the following:

  1. Open a new Merchant Services account.
  2. Maintain an average daily balance of $5,000.
  3. Sign up for a Treasury Management Service.

Get up to $250 from Clover when you:

  1. Open a new Merchant Services account and
  2. Purchase a Clover device.

Contact Farm Bureau Bank at 800-492-3276 or

Labor has always been an issue, mainly because we are a seasonal operation. So that's a challenge finding somebody who only wants to work three months out of a year, sometimes up to six months.
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Mandy Way

Way Farms

Farm Labor Resources
I appreciate the benefit of having a strong voice in my corner. The extras that are included in membership are wonderful, but I'm a member because of the positive impact to my local and state agricultural communities.
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Ernie Welch

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Strong communities
I see the value and need to be engaged in the community I live in, to be a part of the decision-making process and to volunteer with organizations that help make our community better.
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Matt Aultman

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Farm Bureau involvement has taught me how to grow my professional and leadership experience outside of the workforce and how to do that in a community-centric way.
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Jaclyn De Candio

Clark County Farm Bureau

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With not growing up on a farm, I’d say I was a late bloomer to agriculture. I feel so fortunate that I found the agriculture industry. There are so many opportunities for growth.
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Jenna Gregorich

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Knowing that horticulture is under the agriculture umbrella and having Farm Bureau supporting horticulture like it does the rest of ag is very important.
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Jared Hughes

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Austin Heil

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Mary Smallsreed

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