Card Acceptance Across Four Networks
Card acceptance through Exchange Bank merchant processing covers Visa, Mastercard, American Express and Discover on a single unified merchant agreement. EMV chip, contactless NFC, magstripe-fallback, and mobile wallet (Apple Pay, Google Pay, Samsung Pay) all route through the same settlement. Interchange is passed through at the network-published rate with a transparent discount rate on top — no opaque tiered bucket pricing. Monthly statements list every transaction's interchange rate category, settlement timing and any adjustments. Domestic debit PIN transactions route through Interac, STAR, Pulse and NYCE at debit interchange, typically lower than credit.
Toast POS for Restaurants & Hospitality
Toast POS is the hospitality-vertical POS recommended by Exchange Bank for independent restaurants, wine-country bistros, tasting-room cafes, brewery taprooms and event venues. Table-side ordering on Toast Go handhelds, kitchen-display tickets, menu management with 86-item callouts, tip pooling, gift-card issuance, loyalty programmes, online ordering for pickup and delivery, and integrated payroll export all sit in one stack. Reporting covers per-server sales, per-menu-item margin, hourly labour cost and daily cash reconciliation. Card transactions captured in Toast settle next-business-day into the merchant's business checking account.
Clover POS for Retail
Clover POS covers boutique retail, specialty foods, tasting-room retail shelves, gift shops and professional-services counters. Clover Station handles full countertop checkout. Clover Mini is a compact tablet for smaller spaces. Clover Flex is a handheld for farmers markets, table-side checkout and mobile craft fairs. Inventory with SKU-level tracking, barcode scanning, loyalty, gift-card issuance, e-commerce integration through Clover Online Store, and employee-permissioning are built in. Every device ships EMV, contactless and PCI-compliant, and a lost device can be remotely deauthorised by the account owner in under a minute.
Mobile Card Readers
Mobile card readers from Exchange Bank merchant processing run on iOS and Android through Bluetooth-connected EMV/contactless readers. The use-case is clear: a Sebastopol farmers-market stand, a Healdsburg wine-country pop-up, a catering gig at a private event, a craft-fair booth, a home-improvement contractor taking a deposit at the jobsite. Readers pair to a smartphone, capture the card read, sign on-screen, and email or text a receipt. Transactions sit in the same merchant account as in-store POS. The hardware cost is low and the merchant avoids a separate processor relationship for low-frequency mobile acceptance.
E-Commerce Gateway
The e-commerce gateway connects online checkouts to the Exchange Bank merchant account through a PCI-compliant API. Shopify, WooCommerce, Squarespace, BigCommerce and Magento stores install a gateway plugin that tokenises card data so the merchant never stores card numbers on their own servers. Token-vaulting supports recurring billing for wine-club shipments, subscription-box retailers and services on a monthly cadence. 3D Secure authentication reduces chargeback liability on ambiguous transactions. Settlement flows to the same business checking account next-business-day. Fraud screening is configurable by merchant-side risk tolerance.
QuickBooks Integration & Reconciliation
QuickBooks integration syncs daily merchant batches directly into QuickBooks Online or QuickBooks Desktop. Deposits, interchange fees, assessments and network dues post to the correct P&L and balance-sheet accounts automatically. A Santa Rosa bookkeeper running books for four tasting-room clients spends materially less time reconciling monthly statements when Exchange Bank merchant batches are syncing into QuickBooks overnight. Chargebacks, refunds and adjustments post with clear category tagging. Sage Intacct, NetSuite and Xero integrations are also available for larger accounting stacks.
