Business services

Merchant services with Clover

Accept payments, manage sales, and keep your business flowing — all from one smart system.

All-in-one payment solutions for creative businesses

Creative Arts Financial partnered with Clover, the all-in-one point-of-sale solution built to make selling simple and stress free. Whether you’re running a studio, managing gigs, or scaling your creative business, Clover helps you turn passion into profit.

Enable eCommerce

Sell online and in person without skipping a beat. Integrate Clover with your existing site or build one in minutes — no coding required.

More ways to pay

Credit, debit, gift cards, recurring billing, electronic invoices — wherever your customers are, you’re ready.

Manage staff like a pro

Track timesheets, run payroll, and keep your team in sync with easy employee management tools.

Online invoicing made simple

Give customers options: pay online, by phone, in person, or through an app. Accept major cards and digital wallets like Apple Pay, Google Pay, and Samsung Pay.

The Creative Arts Financial advantage

Sign up through us and enjoy:

  • Preferred pricing
  • Next-day funding
  • Personalized support that understands your creative hustle

    And here’s the kicker!

    If we can’t beat your current processing fees, you’ll get a $1,000 Mastercard gift card. (Certain conditions apply.)

    What are merchant services and how do they help creative businesses?

    Merchant services allow creative businesses to accept customer payments through multiple methods, including credit cards, debit cards, and digital payments. They help streamline transactions, improve cash flow, and provide a professional and convenient checkout experience for clients.

    What payment options are included with merchant services?

    Merchant services typically include in person card payments, online payments, mobile payments, and contactless options. This allows creative businesses to accept payments wherever they sell, whether in a studio, on site, online, or at events.

    How are merchant services an all in one payment solution?

    All in one merchant services combine payment processing, transaction reporting, and fund settlement into a single solution. This reduces the need for multiple tools and makes it easier for creative businesses to manage payments, track sales, and reconcile finances.

    Can merchant services support both in person and online sales?

    Yes. Merchant services support in person payments through payment terminals as well as online and mobile transactions. This flexibility is ideal for creative businesses that sell across multiple channels.

    Why are merchant services important for managing business cash flow?

    Merchant services help businesses get paid faster and more reliably. Electronic payments reduce delays, limit cash handling, and provide clear transaction records, making cash flow easier to manage and forecast.

    Ready to sell more and stress less?

    Your art deserves a payment system that’s as innovative as you are. Get started with Clover today and make every transaction feel effortless.

    Open a business account

    If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

    Already a member? Contact us to open a new account.

    Become a business member

    If you’re new to Creative Arts Financial, book a virtual appointment to get started on your membership application.

    You can also apply online through our self‑serve platform, powered by FirstOntario Credit Union. Select Creative Arts in the Preferred branch drop‑down.

    Become a member

    If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

    Business U.S. Dollar Investment Savings account

    Balance

    Rate*

    Balance

    All balances

    Rate*

    0.20%

    * Per annum rate. Rate and terms subject to change without notice. Conditions apply.
    Business Savings account

    Balance

    Rate*

    Balance

    $0 – $100,000.00

    Rate*

    1.55%

    Balance

    $100,000.01 – $250,000.00

    Rate*

    1.60%

    Balance

    $250,000.01 – $500,000.00

    Rate*

    1.70%

    Balance

    $500,000.01 – $750,000.00

    Rate*

    1.80%

    Balance

    $750,000.01 – $1,000,000.00

    Rate*

    1.90%

    Balance

    $1,000,000.01 – $2,500,000.00

    Rate*

    2.00%

    Balance

    $2,500,000.01+

    Rate*

    2.10%

    * Per annum rate. Rate and terms subject to change without notice. Conditions apply.

    Open an account

    If you’re new to Creative Arts Financial, book a virtual appointment or complete your membership application online.

    Already a member? Log in to online banking.

    Creative Arts Financial is closed on the following days

    Wednesday, July 1, 2026 Canada Day
    Monday, August 3, 2026 Civic Holiday
    Monday, September 7, 2026 Labour Day
    Wednesday, September 30, 2026 National Day for Truth and Reconciliation*
    Monday, October 12, 2026 Thanksgiving Day
    Wednesday, November 11, 2026 Remembrance Day*
    Thursday, December 24, 2026 Christmas Eve**
    Friday, December 25, 2026 Christmas Day
    Monday, December 28, 2026 Observation of Boxing Day*
    Thursday, December 31, 2026 New Year's Eve**
    Friday, January 1, 2027 New Year's Day 2027
    * Member Service Centre, Member Solutions Team and Personal Assisted Tellers will be available from 8 a.m. to 5 p.m. ** On December 24 and December 31, branches will close at 1 p.m. Our Member Service Centre and Personal Assisted Teller services will be available from 7 a.m. to 4 p.m. and the Member Solutions Team can be reached from 8 a.m. to 4 p.m.
    U.S. Dollar Investment Savings account

    Balance

    Rate*

    Balance

    All balances

    Rate*

    0.15%

    * Per annum rate. Rate and terms subject to change without notice. Conditions apply.
    Daily Interest Savings account for seniors (60+)

    Balance

    Rate*

    Balance

    $0 – $1,000.00

    Rate*

    0.05%

    Balance

    $1,000.01 – $5,000.00

    Rate*

    0.05%

    Balance

    $5,000.01 – $10,000.00

    Rate*

    0.05%

    Balance

    $10,000.01+

    Rate*

    0.05%

    * Per annum rate. Rate and terms subject to change without notice. Conditions apply.
    Investment Savings account

    Account options

    Rate*

    Account options

    Non-registered savings

    Rate*

    0.30%

    Account options

    TFSA investment savings

    Rate*

    0.60%

    Account options

    FHSA investment savings

    Rate*

    3.20%

    Account options

    RRSP investment savings

    Rate*

    0.05%

    Account options

    RRIF investment savings

    Rate*

    0.05%

    * Per annum rate. Rate and terms subject to change without notice. Conditions apply.
    Daily Interest Savings account

    Balance

    Rate*

    Balance

    $0 – $1,000.00

    Rate*

    0.05%

    Balance

    $1,000.01 – $5,000.00

    Rate*

    0.05%

    Balance

    $5,000.01 – $10,000.00

    Rate*

    0.05%

    Balance

    $10,000.01+

    Rate*

    0.05%

    * Per annum rate. Rate and terms subject to change without notice. Conditions apply.
    High Interest eSavings account

    Balance

    Rate*

    Balance

    $0 – $100,000.00

    Rate*

    0.60%

    Balance

    $100,000.01 – $200,000.00

    Rate*

    0.75%

    Balance

    $200,000.01+

    Rate*

    0.80%

    * Per annum rate. Rate and terms subject to change without notice. Conditions apply.apply.